davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (NC)

I noticed XXXX was charging 2 different finance charges on my bill. Upon questioning them about it, via email and phone call, I was told it was due to their Terms had changed. Now, I was aware of the terms changing, but did not think it would result into 2 different finance charges each month thereafter the terms changing. The only way I could have gotten out of those terms ( according to the supervisor I spoke with ), which was also not stated in the message I was sent online, was to close my card. The way they did this, to me was double billing, in turn against the law according to the Credit Card Accountability and Disclosure Act of 2009. They said its not double billing because of the way their terms are noted. The APR is the same from the past and current Billings. However, Im being charged for the finance charge before the terms changed and the finance charge of after the terms changed. This just does not seem right. I have closed my account with them as of today due to all of this.
Consumer complaint received 2022-10-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc. (MN)

I received a letter from American Accounts & Advisors on XX/XX/22 on a medical debt I pay the hospital directly on. 

This company has taken it upon themselves to report this to my credit illegally. And continue collection efforts even after contacting them regarding their mistake.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00}
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (MN)

I usually would have my cards secure but have been homeless for two yrs with no address for a new card the last time i had a child support card would be 2011 so am wondering why i havent been able to get a new one. Also where do i find the balance of the amount on my old cars
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX is not reporting to equifax and is preventing me from getting a better loan right now I have paid for over a year now and nothing is being reported to equifax. My XXXX account number is XXXX.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

THIS IS NOT A DUPLICATE, PORTFOLIO RECOVERY HAS NOT COMPLIED WITH THE FCRA OR THE FDCPA. THEY NEED TO CEASE COMMUNICATION IN ALL MEDIUMS INCLUDED BUT NOT LIMITED TO XXXX, XXXX, XXXX, SOCIAL MEDIA, EMAIL ETC. 

On XX/XX/2022, I sent a certified letter to Portfolio Recovery Acct # XXXX, tracking number : XXXX and it was delivered on XX/XX/2022, at XXXX. This letter was demanding that they cease all communication on all mediums included but not limited to my consumer reports XXXX, XXXX and XXXX. I also sent copies of these letters to XXXX, XXXX and XXXX via certified mail letting them know that I refused to pay this alleged debt. As of XX/XX/2022, XXXX and XXXX have continued to report this inaccurate and false information. XXXX has failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IN)

I have a Discover card which I used for a charge of : {$10.00}. Through my bank, XXXX XXXX XXXX, I electronically paid this {$10.00} charge to Discover card it was debited from my business checking account dynasty management group of which I am the sole manager. I caused a check for {$10.00} to be sent to Discover card and notified discover card before the payment was made and after the payment was made that the electronic check would have the name dynasty management group on it as well as my name Both as remitters. Discover card employee ( s ) somehow lost the payment and now after approximately five hours having been spent on the phone with me to no avail requesting to speak with management, supervisors, team leads and the like : discover card puts me on hold for five hours now over several days and refuses to remove the {$10.00} despite my having paid the {$10.00}. I will not spend {$30.00} to stop payment on an electronic payment that Discover card has on someones desk that did not credit the {$10.00} payment to my account. Further, I was told over several weeks that a manager would call me back and I never received a call until I informed Discover card that I was filing this FTC complaint against Discover Card. I am XXXX under the Americans with disabilities act, I am XXXX years of age and a senior citizen, and I am on a limited income. I also was the victim of a XXXX XXXX XXXX  for which I now require several XXXX. I respectfully request Discover card to remove the {$10.00} charge from my credit card account including any cumulative interest or late payment for reasons stated herein. When Discover card locates the payment that I caused to be sent electronically from XXXX XXXX XXXX Bank to Discover Card they are welcome to deposit my payment referenced to herein above to my credit card account to offset the {$10.00} charge.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WI)

I requested a refund under the CARES Act for payments made during the XXXX waiver of {$34000.00} on XX/XX/22. I followed up with a phone call on XX/XX/22 to check that the refund was in process and received confirmation that it was sent to the Department of Education. I have not received any updates or information since XX/XX/22. 

On XX/XX/XXXX I logged into my Fedloan account and all my information has been erased. When I try to call Fedloan, they say that my account has been transferred to XXXX and I can not get hold of a representative because the call ends automatically. I received no information ( email, text, or physical ) that this has happened I found out by chance. 

It has been almost XXXX weeks since I put in my refund request on XX/XX/22 and I am hearing that Fedloan canceled the refund request when they transferred my loan over to XXXX  which I did not authorize them to do.
Consumer complaint received 2022-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( virtual assistance services ) since XXXX 2021. My paypal account XXXX has stucked funds in it that I have to withdraw, also i still have incoming payments from my customer for the services i rendered for this month. And I am hoping that I will get back my account and able to withdraw my funds, as well as use it yo receive payments again. Thank you and Godbless.
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

I contacted Aidvantage on XX/XX/22 requesting a refund on my student loans. I was informed it will take 4 to 6 weeks to receive the money. However, I contacted Aidvantage again after a week for the status of my request and the agent had to re-submit my application and informed me it will take 8 weeks and not 4 to 6 weeks for my request to be processed. I was told initially my request was submitted ; however, later I was informed it wasn't properly submitted when I called back. This issue could have been prevented if Aidvantage was giving confirmation to show the request has been submitted. Also, why does it take 8 weeks to reinstate my loan balance? It appears other loan providers are reinstating balances in a shorter time period.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

On XX/XX/2022 Experian reported to my bank, XXXX, a credit score of XXXX when in fact my credit score was XXXX at the time of reporting. The reporting of incorrect information had costed me a loss of {$10000.00} and a large decrease in my credit score.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

On or about XX/XX/22, I received a notice of a declined credit card from Wells Fargo, I also received an alert from XXXX XXXX about a new inquiry from XXXX XXXX XXXXXXXX, two actually. I immediately called both as I had not applied for any new credit. I have since filed the appropriate paper work with the XXXX, sent certified letters, along with supporting documents. Police report, driver license etc. Asking for the hard inquiries to be removed from my credit as XXXX had determined it was fraud and has closed the checking account, and credit accounts down. However, the hard inquiry still remains, they have stated that the credit reporting agency must receive a dispute that they can not help. I have already done this and the credit agency states that only the creditor can remove the hard inquiry. I do not know what else I can do. I have followed all of the steps necessary but am not receiving the result I need.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CT)

Gap card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XXXX, 2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent GAP the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.
Consumer complaint received 2018-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (AL)

I RECEIVED AN ALERT FROM XXXX XXXX BECAUSE A COMPANY CALLED XXXX XXXX REPORTED AN ACCOUNT ON MY CREDIT REPORT FROM WHICH THEY PURCHASED A DEBT FROM ANOTHER COLLECTION COMPANY NAME XXXX XXXX XXXX XXXX XXXXXXXX XXXX.I DID NOT RECEIVE MY RIGHT TO DISPUTE THIS DEBT AND I HAVE NOT EVER HEARD OF THIS COMPANY BECAUSE I HAVE NOT DONE BUSINESS WITH THIS COMPANY AND THEY IS IN VIOLATION OF THE FDCPA AND NEED TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (VA)

I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. 

Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/2022 at XXXX a checking and savings account were opened up online with Truist/SunTrust Bank using my social security number. I was told by a banker at the XXXX, PA branch that ppl are able to create an online account and skip the upload ID step. 

An hour later, at XXXX on XX/XX/2022 money from my XXXXXXXX XXXX checking account has been transferred into these Truist accounts ( {$50.00} into savings ; {$1900.00} into checking ). 

I have called fraud at both banks. I am extremely upset and cornered that no ID was needed to create an online account with Truist and this fraudulent person was immediately able to start transacting funds. There should be a period of time where the accounts are reviewed for actual ID.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.
Consumer complaint received 2018-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (IN)

I directly contracted the company, AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX and asked that this debt which is showing as a collection on my credit be removed. The original creditor is listed as XXXX XXXX. I have never lived in Nevada, have never had an electric/light bill in NV, and do not owe this money. I've also contact the credit bureaus to dispute this, but they stated that the collection agency reported it as valid and put it back on. At this point, I don't know what to do. I've never owed this money, and I don't want to pay it, but it's negatively impacting my credit score.
Consumer complaint received 2023-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

Since submitting my TEPSLF forms in XX/XX/XXXX, I have regularly followed up with my loan servicer, Mohela. On XX/XX/XXXX, I received notification that all of my forms were reviewed and processed, and my qualifying payments would be updated. I also called and confirmed with a representative that all of my forms had been approved for the listed dates, which totaled over the 120 months required for loan forgiveness. 

However, one of the files I had uploaded contained two forms, and it was not entered correctly. A call to a representative resulted in the form being resubmitted for another review to ensure that both employers ' dates were added to my qualifying payments. 

On XX/XX/XXXX, I received a message that my approved dates had been added, but only 95 and 112 qualifying payments were added. Of the two loans listed, the one given 95 qualifying payments is eligible for 122 payments, and the loan given 112 is eligible for 139 payments. When I called to find out more, I was informed by Mohela that they would continue to enter additional dates, as many of the dates from my approved forms had not yet been added. 

I once again called on XX/XX/XXXX to find out why no additional dates had been added to my account and my resubmitted form had not yet been processed. The representative told me she would submit an expedited form that should take 3-5 business days at most to ensure that all of my approved dates would be added and the resubmitted form would be processed. As of tonight, five business days later, my resubmitted form still says it was cancelled and nothing has been updated on my account. 

I have spent well over a decade working in public service and would like to have my loans processed and forgiven so I can move forward with my life goals.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I submitted a letter to the XXXX XXXX XXXX XXXXXX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have always contended that the XXXX XXXX XXXXXXXX account that is reporting on my credit report is reporting incorrectly and I intend to prove this. In the latest credit report that I got from XXXX it says that the account was paid in full and that the last payment date was XX/XX/XXXX and yet Equifax is saying that the last payment date was in XX/XX/XXXX. How can it be that two credit bureaus are getting their information from the same source but are reporting two different payment dates? That makes no sense. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX ( which is false ) and XXXX is reporting that the account went into a charge state in XX/XX/XXXX. How can it be that two credit bureaus that should be getting information from the same source are reporting two different charge off dates and two different payment dates? 
This makes no sense and I have often complained that the XXXX XXXX XXXX account is reporting inaccurately on my credit report and I want it deleted immediately. 
Kindly see files attached proving my point