davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-24
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ACS Education Services (TX)

On XX/XX/XXXX I sent ACS a certified letter to validate an account. The letter was received and signed for on XX/XX/XXXX. After 30 days and still no response a second certified letter was sent on XX/XX/XXXX stating that I did not receive a response and that they were non compliant with federal laws under the FDCPA and FCRA. On XX/XX/XXXX the certified letter was received and signed for and I have yet to get a response from ACS in reference to both letters.
Consumer complaint received 2019-10-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: National Credit Adjusters, LLC (LA)

I have sent multiple notices to National Credit Adjusters requesting verification/validation of the debt with no correspondence. The original furnisher was XXXX and purchase by NCA. Also NCA does not have a license to collect a debt in the state of Louisiana, which is state law. National Credit Adjusters is refusing to send me information that I request which is also illegal under the FCRA Act. I will attach all of the notices that has been sent to National Credit Adjusters.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

False promises are given by reps and supervisors. I reached out to Care Credit In XXXX as I had noticed on my statement that my balance had increased dramatically. I was informed my promo had ended and that I was charged the full interest. I asked how I could get this resolved. The rep stated that if I paid my promotional balance in full by XX/XX/XXXX which happened to be my birthday, that they would waive the rest of my balance as it was all interest and late fees. I had been paying double my minimum for a year not realizing that this was doing nothing for my balance due to the fact that my payment was submitted on time however not posted on time and late fees were assessed in the amount of {$220.00} for the year. The rep seemed to understand. Fast forward a week, I submitted a payment of {$410.00} towards my {$830.00} promotional balance. I contacted Care Credit again asking for my interest and fees to be waived. They stated that the promo balance needed to be paid in full first before they could waive anything. Fast forward another week or two. I submitted another payment of {$410.00}. This left my balance of {$580.00}. This is made up of {$430.00} in interest and {$220.00} in late fee 's. My promo balance was now paid in full. I contacted Care Credit again. I let them know my promo balance was paid in full and that I needed the remaining balance waived. They waived the original interest and still continued to charge me interest on a balance made up entirely of late fee 's refusing to waive the late fee 's aside from two equalling {$78.00}. I explained I was promised that if I paid my entire promo balance in full that my account would be wiped to a XXXX  balance as the remaining would only be  interest and late fees. The supervisor told me there is nothing he can do. So they basically tricked me in to pay this large lump sum under an agreement that I would then be in good standings when I followed through with my part they did not follow through with theirs. I now have used all the money I have and am being threatened to be sent to collections over a {$170.00} balance of late fees and interest on my late fees. Safe to say I closed this account as I do not want to deal with this company and it's untruthful ways ever again.
Consumer complaint received 2018-05-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (NC)

Student loan reprting is deceptive and destructive in the way they report to the credit bureaus. This appears to be a common problem that I am surprised hasn't been addressed. I took out 4 parent plus loans which have all been in deferment until recently. The problem is on all 4 loans they show a high credit of only the original loan amount. Interest accrues and the amount I owe is correct on the report however with the high credit only being the actual amount of the original loan amount on the credit report takes away available credit and show the loans are collectively negative by about 130 % of the original amount. This is destroying credit reports from all students. Once the loans go into repayment then the loan is set and should reflect the original loan amount plus interest as a high credit because it is. That should be your high credit because that is actual. This is deceptive practices. I have sent certified letter to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and they are standing by their reporting. Also sent certified letters to the credit reporting agencies. I have all the documentation to provide.
Consumer complaint received 2022-08-23
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance XXXX {$200.00} Medical XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I recently learned that I should have received information about the PSLF program when I started making payments in XX/XX/XXXX on my federal student loans as I was employed in a XXXX XXXX. Unfortunately for me, I learned in XX/XX/XXXX that I needed to consolidate my loans in order to qualify for the PSLF program under a different plan ( income-based repayment plan ). I have reached out to my loan provider ( XXXX XXXX ) and searched on the Dept. of Education 's website for information on how to get those four years of payments to count towards my PSLF. However, XXXX XXXX told me that since they were not in charge of my loans prior they can't help me. Also the Dept of Ed. website gives a phone number for contact but the phone number is to XXXX XXXX. I am reaching out the CFPB because I read that other people are dealing with this same issue. Please advise.
Consumer complaint received 2022-08-23
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX, NC XXXX Medical XXXX Balance XXXX {$200.00} Medical XXXX Balance : {$170.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$300.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$420.00} Medical XXXX Balance : {$100.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$230.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$120.00} Medical XXXX Balance : {$600.00} Medical XXXX Balance : {$490.00} Medical XXXX Balance : {$850.00} Medical XXXX Balance : {$2100.00}
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

my name is XXXX XXXX first of all it started about two years ago i applied for a XXXX XXXX card I recieved it well let me put it this was it came to the address XXXX XXXX XXXX XXXX # XXXX I was a roommate with XXXX XXXX I used his computer to login my EDD claim and I didnt deleat my information off his computer and he sold my information and he reported my XXXX XXXX credit card lost so they sent a replacement card out while i had my card in my wallet so i didnt know that the card in my wallet was cancelled cause i only used it when i need it their were bank accounts morages car loans property cermercial I never been the kind of person who keep up with my credit score because when time got tight i would write a check and i knew that i didnt have the funds to cover it when i try to open an account at diffrent banks they would say that i ready have an account and then they would make up so excuess about something to throw me off
Consumer complaint received 2022-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX AND XXXX  XXXX BANK HAVE REPOTED LATE PAYMENTS AFTER ACCOUNTS HAVE BEEN CLOSRD. MONTHS LATER. THEY THEN AFTER DISPUTINNG SUBMITTED NEW CLOSED DATES SO THAT THE LATE PAYMENT FILINGS COULD STAY ON REPORT. 

THERE ARE XXXX DATES OF ACCOUNT CLOSING. XXXX AN OFFICIAL DATE OF CLOSURE THEN ANOTHER LISTED IN THE " PAYMENT HISTORY '' SECTION OF REPORT. XXXX DISPUTED AND BROUGHT TO CREDITOR AND DISPUTED WITH BUREAUS ... .NOTHING HAS BEEN DONE... .SEVERAL DISPUTES FILED... WHEN I BRING IT TO THEIR ATTENTION... XXXX TOLD TO FILE ANOTHER DISPUTE. WHEN I SAY XXXX  DONE XXXX OR MORE LOOK AT THEM ... XXXX TOLD THEY ARE CLOSED AND CANT HELP ME... SO THEY DONT WANT TO LOOK AT THEM. 

WHEN I QUOTE THE F C R A REGULATIONS AND ASK HOW THIS CAN BE ... THEY SAY XXXX RIGHT .... '' BUT THEY CANT REMOVE '' CREDITOR HAS TOO. XXXX STUNNED ... IN MY FACE AND IN THEIRS ITS WRONG AND THEY REFUSE TO REMOVE UNVALIDATED DEBTS AND WRONG / FALSELY REPORTED NEGATIVE INFO... XXXX REFUSE TO DO SO AND TELL ME " THATS ALL THEY CAN DO FOR ME IS FILE ANOTHER DISPUTE ... XXXX HAVE EXPLAINED YOUR OPTIONS I AM GOING TO END THIS CALL BECAUSE I CANT HELP YOU '' I HAVE RECORDED CONVERSATIONS OF XXXX FROM EACH BUREAU TELLING ME THIS. 

XXXX  IS ANOTHER ... PAID OFF ACCOUNT XX/XX/XXXX. XXXX XXXX. DISPUTED IT ... XX/XX/XXXX RESPONDED INFO IS CORRECT... DISPUTED AGAIN IN XXXX... XXXX... SAME THING ... WHEN I ASKED FOR WHAT XXXX THEY COULD POSSIBLY GIVE YOU SHOWING A BALANCE OWED... THEY REFUSED TO TELL ME OR OFFER ANY INFO... .SO I ASKED THEM ... .WHAT COULD THEY POSSIBLY GIVE YOU AS PROOF ... WHEN I SUBMITTED XXXX  FROM XXXX  " THANK YOU FOR YOUR BUSINESS LOAN IS PAID OFF ... WOULD YOU LIKE TO PURCHASE ANYTHING ELSE '' EVEN HAD THEM ON PHONE WITH XXXX BUREAU ... XXXX PAID IN FULL... THEY STILL DID NOTHING ... .AND HAD NO WAY OF VALIDATING CREDITOR REPORTING ... I HAD EMAIL ... .ITS STILL LISTED AS OPEN... AND XXXX CREDITOR REPORTED IT OPEN STILL ... XXXX ASKED FOR PROOF IT WAS... THEY HAD NONE TO OFFER ... .I THOUGHT THEY HAD TO IMMEDIATELLY REMOVE ... .TOOOOO MUCH TO TYPE ... .TOO MUCH MORE ....
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (AZ)

I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

please have equifax delete this XXXX XXXX mortgage acct enclosed is a letter from XXXX XXXX to remove it.you can contact verify this with XXXX XXXX at XXXX XXXX to verify XXXX or by email at XXXXXXXXXXXX. attached is a letter from XXXX XXXX
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2020-04-09
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 (OH)

On XX/XX/XXXX my XXXX year old daughter 's mother sent her money thru PayPal. She followed the link which allowed he to establish a profile with no age questions. The money was then unable to be accepted due to the inability for her to add a bank account ( because she dose not have on ). Now the money was unable to be used for her purchase and also unable to be refunded back to her mother. Using text messaging going back and forth for over two hours before being rectified. During this time my daughter ( XXXX yrs old ) was told many times she should have read the terms and agreements because she was not old enough to open an account. ( Yet they allowed her to do so ) Then repeatedly told she could not refund the money ( until she was crying ). So basically the money was at paypal, out of her mother 's account but not refundable or useable and it was her fault. After trying to add my account, which did not match her name and trying to add her custodial account, again not allowed! That money was sitting there, in limbo and not accessible. If this company is limiting by age, then why are they opening accounts for minors and allowing transfers? i became involved when I found out she was going to just let the money stay there because she was afraid she was going to get into trouble. ( for something they allowed ) ... My complaint? How many times and how much money are they scooping up this was? Why do they not have a proper refund option in place, why would they treat a child that way by not asking proper verifying questions, how many fraudulent and money laundering accounts are they facilitation? And on top of it all no phone number contact. I believe they should be looked into for circumventing financial institution laws.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I have hard inquiries on my credit report that I don't recognize which is, XXXX CARD. I already tried to fix this problem and even started to lock my credit report so it didn't happen again.
Consumer complaint received 2022-08-09
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. AXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/2020 Balance {$3100.00}.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following are unauthorized on my credit report. Try to work with TransUnion XXXX refused to remove. Please see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (NV)

In accordance with the Fair Credit Reporting act XXXX account # 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 also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from XXXX, Equifax and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I am a victim of identity theft. I disputed this Belk account multiple times, and requested validation. This account does not belong to me and I want it deleted from my reports immediately. The debt validation including the original application was sent to me by the company, and shows the account was opened by someone living in another state that I have never lived in. The same state in which the majority of the identity theft took place. 

It is obvious this person just used my first name, date of birth, and social security number to open a fradulent account. Very clear cut identity theft.
Consumer complaint received 2022-06-09
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: Experian Information Solutions Inc. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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