davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX
Consumer complaint received 2021-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

Dear CFPB ; I am a Federal Student Loan borrower with FedLoan Servicing. I have contacted FedLoan and disputed specific ineligible payments most recently on XX/XX/XXXX and XX/XX/XXXX in addition to other years and they ; FedLoan Servicing are unable to provide clear answers. I am asking you the CFPB to contact FedLoan Servicing and get FedLoan to fix the ones that should have been fixed. My records show that I should have qualified for the Public Student Loan Forgiveness program XX/XX/XXXX. However, I currently have only XXXX qualifying payments identified through their tracker, with XXXX that need to be manually reviewed dating back to XXXX, and over 20 that are stated as ineligible for qualification. If the XXXX that need manual review could be reviewed it's possible that I would have my 120 qualifying payments now. With the change with providers I believe there was error with tracking of my records.
Consumer complaint received 2020-08-14
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. (FL)

On my Equifax report I have an item being listed as : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

XXXX XXXX XXXX XXXX ( XXXX ) provided a letter saying they have removed that item and I have included this letter in a dispute to Equifax on three separate occasions. On each dispute Equifax wrongfully determines the item does belong to me. 

Equifax claims they are waiting on XXXX to remove the item ; XXXX claims they have removed it and it us up to Equifax to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
Consumer complaint received 2020-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (AZ)

XXXX DISCOVER XXXX XX/XX/XXXX {$16000.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} These accounts was never late
Consumer complaint received 2021-07-13
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. (MO)

There's an unknown account on my credit file inwhich I have absolutely any knowledge of, therefore I'm demanding that this account be removed immediately from my credit file. 

1 ) XXXX XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (ID)

In XXXX of 2020 I was contacted by a collection agency -- Oklahoma FMS -- for a " debt '' that I was unaware of. I disputed the debt and in XXXX they provided me with information they received from the " creditor, '' Synchrony Bank Pay Pal Credit. This consisted of a bill showing a series of charges made in a seven day period. Part of those days I was camping and not near any merchant. All the nine charges are either {$29.00} or {$29.00}. 
I requested Synchrony bank to provide me with the name of the merchant and the nature of the charges because neither was shown on the information I received from Synchrony Bank. 

They were not able or were unwilling to do so. Now they have hired a different collection agency, XXXX XXXX XXXX and I have disputed this debt with them.. 

The series of charges is highly suspicious because of the dates incurred and the similarity of the charges. Additionally Synchrony bank did not have my current address. The address they had used in the statement provided to me by Oklahoma FMS had not been my address for more than two years. I was not aware that I had a charge account with Synchrony Bank or Pay pal. 
I believe I did not incur any of the charges so I dispute the validity of this claim.
Consumer complaint received 2018-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

Im trying to get to the bottom of why my Equifax score dropped 20 points over night back in XX/XX/2018, when everything is paid off and I have no hard inquiries or anything lik that. I requested my free credit reports on XXXX and successfully was able to view my XXXX and XXXX reports, but of course the only one I was trying to see ( the Equifax ) was the only one that mysteriously was unable to view online. Even after successfully passing my identity verification disclosures. Im unable to make any type of  dispute with Equifax unless I can see it online, and for some reason, or another, theyre essentially making it impossible to do so.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IN)

I have been inundated with promotions and advertisements from Discover Card. Mailings two to three times per week over several months telling me I was preapproved for a Discover credit card. Simply apply online to the address give. Finally, I did on XX/XX/XXXX. I then received a message telling me to call a number for additional information. When I did, I was asked to give Discover access to my income tax returns. I refused and decided to withdraw my credit card application. On XX/XX/XXXX I received a letter from Discover saying my application had been denied. I have called the company three times regarding this situation as they had already done a hard check on my credit which now appears on my credit report. I have asked why the letter didn't say I withdrew the application but did not receive a satisfactory reply. Apparently this is just how they do things. I feel their advertising methods border on harassment and are misleading and dishonest. Since I originally spoke to a Discover rep on XXXX XXXX and asked them to stop the mailings, during the period of XX/XX/XXXX to XX/XX/XXXX I have received 4 additional mailings.
Consumer complaint received 2020-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

Dear CFPB, On XX/XX/XXXX I called to cancel the overdraft service on my ATM / DEBIT card. US Bank representatives confirm that this request is visible in their system and that it shows the request went through. I was informed on that call that transactions would thereafter decline for insufficient available balance. 

However, declines never began and overdrafts continued to be charged including two on XXXX, and one on XX/XX/XXXX. 

On XX/XX/XXXX my wife and I called again and asked for the overdraft service to be cancelled and we were given confirmation that it was, and one fee was reversed. US Bank confirms that the fee was reversed but failed to notate why or that any call was made. 

The card still failed to decline and overdraft fees were incurred on XX/XX/XXXX and XX/XX/XXXX. 

Today I called US Bank and the representative confirmed that the overdraft service is notated as being canceled on XX/XX/XXXX, and that she does not see any notation on the account for when or why it was ever turned back on. She has turned it off again but I have no confidence that it is truly off or that it will remain off. 

The total fees improperly charged since turning off the overdraft service on XX/XX/XXXX total {$210.00} and I will not be satisfied until all of That is returned back to me, that the overdraft service is truly XXXX permanently and that I am given written guarantees that it will not be re-establishes without my signed, written permission. 

Thank you for your assistance and diligence.

Kindest Regards, Sincerely, XXXX XXXX
Consumer complaint received 2020-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX  XXXX XXXX which I disputed then CBE which I disputed and was deleted and now they sold it to XXXX XXXX XXXX. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am, XXXX XXXX, Consumer and I am disputing inaccurate reporting by Transunion. 

Transunion, how was an investigative consumer report conducted for the following : Fair Collections & Out, Dept. of Education-XXXX  and XXXX XXXX? Which friend, neighbor or associates of mine ( XXXX XXXX, Consumer ) have you interviewed concerning the disputes I have submitted? How did you verify these accounts? 

I am proving through the following documents that Transunion has violated the above referenced laws. Transunion has stated through online disputes, written disputes and verbal disputes that an investigative consumer report was conducted and has come back as VERIFIED. So, how was it verified? 

The Department of Education XXXX accounts is being inaccurately reported as 90 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX ; 120 days late on XX/XX/XXXX and 120 late on XX/XX/XXXX. How can there be such a big gap in alleged late payment dates? This is inaccurate information. 

How can I be reported OK on XX/XX/XXXX and be 90 days late on this alleged debt on XX/XX/XXXX then 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX? How is this being reported accurately? It is not. 

There is another inaccurate reporting from the Department of EducationXXXX alleged debt, How is it reported OK on XX/XX/XXXX then 90 days late on XX/XX/XXXX and 120 days late XX/XX/XXXX? How is this being reported accurately? It is not. 

The Department of EducationXXXX XXXX accounts are also in violation of 15 USC 1681i ( c ) because when I disputed the inaccurate information it was not noted on my Transunion consumer report as consumer disputes information It has been over 30 days. 

*Cited from Violation sent to Transunion* *I have attached violation Notice* *I have attached my government issued id*
Consumer complaint received 2021-10-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA SECRET. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (UT)

Shortly after opening my American Express card, I setup billing from my bank checking account and enabled Autopay. My bank declined my first payment for some reason, but worked a few days later with the same account number/routing number. Unbeknownst to me, American Express cancelled my autopay. While they informed me that the payment didnt go through originally, I was never notified that autopay was cancelled. 

This month, I expected that my statement would automatically be settled through autopay, but I was surprised when I checked my account and I was assessed a late fee. I worked with Amex to reverse the fee after explaining that they cancelled autopay without my knowledge. 

My main complaint and worry is that this credit card company is able to cancel autopay and not notify customers that this has taken place. This allows them to be predatory in collecting late fees that customers dont expect because their accounts go past due, when they shouldnt due to autopay.
Consumer complaint received 2023-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-02-19
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. (TX)

XXXX LATE PAYMENT INCORRECT REPORTING. I opened this account in XXXX whenIi moved to XXXX XXXX XXXX # XXXX XXXX, NY. A year later I moved to XXXX XXXX XXXX, XXXX NY XXXX and the following year I moved back to the same apartment ( XXXX XXXX XXXX # XXXX XXXX NY XXXX ) during the process of moving back, the XXXX agent wrongly left the account from XXXX XXXX open instead of forwarding my account to the new address. The agent opened a new secondary account on the XXXX XXXX XXXX address leaving me with two open accounts while continuing sending bills to XXXX XXXX XXXX. XXXX NY XXXX. Late in XXXX of XXXX I discovered through my credit report that I have over {$600.00} collection account open with XXXX, despite me paying my bills. After months of investigation and escalations, finally a manager from the executive department apologized for their mistake and told me that if I pay off a balance of around {$270.00}, they would remove the account from my credit. Here is the case number that pertains to the above information, and to the removal of the XXXX  account. Escalation Case number : XXXX Unfortunately, after following the managers directions and paying the balance, the account is still being listed on my credit report despite my disputes and XXXX promises. Please remove this XXXX account immediately as it is causing unjustified and unreasonable damages to my credit and to my life. XXXX LATE PAYMENT INCORRECT REPORTING.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

To : TJX Companies Synchrony Subject : Credit Bureau Disputes Application Key Code : XXXX REF : XXXX Name : XXXX XXXX Zip Code : XXXX I had a horrible conversation with an agent named XXXX who sounded like she didn't speak XXXX. XXXX # XXXX I called your offices to file a dispute as you have mislead my in relation to the credit application and have without my consent made multiple credit bureau inquiries which I did not give you permission to do. These multiple inquiries have affected my credit score. I am requesting that you cease and desist with these deceptive tactics at the cash register trying to get people to apply. No one ever applies for a card and agrees for two credit bureau inquiries for some rinky dink store credit card. 

You need to remove these inquiries from my credit reports at XXXX  and XXXX  effective immediately or I will be reporting you to the Consumer Financial Protection Bureau as well as the XXXX XXXX XXXX for Fraud and Deceptive Advertising practices related to credit applications. Dodd Frank violations for misleading practices at the cash registers attempting to solicit applicaitons. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PENTAGON FEDERAL CREDIT UNION (NJ)

For some reason I kept paying my credit card with an old account and there was no way for me to remove it online ( which the customer service agent confirmed that I can't do and has to be done my management ), so I was paying my monthly payment from the wrong account not realizing it. This caused me to have a late payment on my credit report and I have never been late with Pentagon Federal Credit Union or any account in years.
Consumer complaint received 2020-08-14
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: WELLS FARGO & COMPANY (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-11-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Neon Newco Corporation (NY)

I filed a dispute with my Prepaid Card Issuer, Netspend regarding two ATM withdrawal transactions initiated on separate dates at the same ATM. During both instances while awaiting for the ATM to dispense the requested amount of funds, the ATM stated the funds were being dispensed, despite not having dispensed any of the funds requested. immediately afterwards, the ATM displayed an error message on screen which stated " receipt printer error '' which also resulted in the ATM not having provided a receipt. The first transaction took place on XX/XX/2018 for a total of XXXX the second ATM transaction took place on XX/XX/2018 for XXXX. I notified Netspend and filed a dispute regarding both transactions and slso faxed over an ATM dispute from. During my initial contact with Netspend over the phone, I verbally requested a provisional credit be issued to me within 10 days if they did not receive a response from the Merchant And also asked for a mailing address to send out my written ATM dispute form via USPS certified mail, but they stated they did not have an Address for me to mail out my dispute form and insisted I fax them the ATM dispute form. On XX/XX/2018, I faxed the dispute form to the phone number listed on the dispute form, and after 10 business  days have not received my provisional credit to utilize my funds since they requested more time in order to investigate. I also notified customer service on XX/XX/2018 and advised them I would fax it again because the CSR told me they had not received my dispute form. This is unfair and is also a violation of non compliance under Regulation E which entitles me to a provisional credit so that I may temporarily utilize the funds while they complete their investigation. It should also be taken into consideration that I have been a Netspend customer for over 2 years.
Consumer complaint received 2020-08-14
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: Conn's, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-01-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IL)

Private loans with Navient ( " Signature Loans '' ) were discharged in bankruptcy. Navient reported accounts 'closed ' on my credit report with XXXX   balance due. 

Discharge dated XX/XX/XXXX / XXXX  district Illinois. 

They later claim that the loan are now in repayment. 

I feel compelled to not make payments for loans that show as closed and XXXX balance on my credit report. 

These need to be confirmed as discharged with Navient 's system.