davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (TX)

Per Fair Credit Reporting Act FCRA as a FEDERALLY PROTECTED CONSUMER, I am now opting out of ANY AND ALL authorization, I the consumer may have given you written, verbally or unwritten or nonverbal per 15 USC 6802. 




Best, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (CA)

In XX/XX/XXXX the company 's received notice from the consumer to remove all personal information regarding transactions and experiences between parties from all reports delivered to third party agencies. Upon their failure to comply additional notice was delivered as followed : Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and nonverbal per 15 USC 6802. Promptly remove all our transaction and experience details from credit reports immediately and indefinitely. Your current malpractice is a violation of the Privacy Act of 1974.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THIRD PARTY- XXXX XXXX XXXX XXXX EQUIFAX , ORIGINAL CREDITOR- XXXX XXXX XXXX XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX XXXX XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. SSN : XXXX CARD HOLDER!
Consumer complaint received 2021-03-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

I contacted the national XX/XX/XXXXand the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.
Consumer complaint received 2016-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alorica Inc. (IN)

COLLECTOR IGNORED CEASE AND DESIST AND KEPT CALLING AND COLLECTING ON A DEBT UNDER GLOBAL REC. SOLUTIONS AND WENT ON MY CREDIT REPORT TWICE W/O VALIDATION.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (TX)

The following inquiries were reported and need to be removed. I have no knowledge of these inquiry dates or the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed twice same day 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 XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2016-07-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

This loan defaulted at a time when I was still in deferment in all other student loans. The company was impossible to communicate with and instead put my loan into default and his since issued a judgment. Every other student loan I have is current.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

CFPB Complaint XXXX XXXX fail to provide any documentation that I requested for them to provide. I really hate the fact that a company can respond to a complaint and isn't held responsible when asked for documentation to prove their response. Again I am asking for documentation that allows you to report consumer financial responsibilities to a third party. PLEASE PROVIDE DOCUMENTATION TO PROVE YOUR RESPONSE FROM COMPLAINT # cfpb XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (VA)

My loans were forgiven under XXXX in XX/XX/2023. Mohela still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.
Consumer complaint received 2023-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

Hello, I keep submitting my PSLF forms and the payments are not updated. There was carry over from XXXX XXXX  that was not ever processed. I have resubmitted and can not get ahold of a representative ( Mohela hangs up, long prerecorded messages to listen to ). 

Just a difficult company to work with, can someone help?
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Sunset Management, Inc (GA)

Sunset Finance has a marketing scheme to lure customers with financial hardships into getting excessively high interest rates on loans they otherwise would not and can not afford. This is hitting HOME with me, I am noticing a few of my friends and family are getting random letters from Sunset with loan checks enclosed for $ XXXX+. By depositing this check, the unsuspecting customers fall prey to going DEEPER in debt by paying double amount of the check based off Sunsets high interest rates when the customers are already suffering from financial hardship.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc. (NC)

This company forced me into a verification process that lasted months, during which time I was unable to update my banking information to make payments. The have no phone system and they never responded to emails. Then I suddenly receive a settlement offer, which I accepted and paid but they dont report it to credit agencies, theyve saddled me with a bunch of missed payments, which I could do absolutely nothing to remedy and they did not provide me a copy of the settlement either electronically or by mail. An immediate investigation needs to be launched on this company and its unfair and seemingly illegal practices.
Consumer complaint received 2015-03-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (PA)

Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.
Consumer complaint received 2022-10-03
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. (WI)

I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-05-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (FL)

I had to file for Bankruptcy to protect my home because the bank has refused to modify my mortgage for years. This started in XX/XX/XXXX and Wells Fargo told me in order for them to help me I had to stop paying my mortgage with XXXX and when they take over the will modify my mortgage. When they finally took over they have continued to deny my modification even though I qualify. Now the prices are starting to come back up in Florida, I believe they are illegally denying me so they can sell the house for more and deny me again. The statute of limitation in Florida is XXXX years and my foreclosure ha been going on for longer than that. Why is the government and the state continuing to let the banks get away with this??? I want an answer ans want the banks to be held liable for what they have been doing to home owners since XX/XX/XXXX! Please respond! 
XXXX. XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2019-02-17
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: Experian Information Solutions Inc. (NJ)

I DID NOT AUTHORIZE THESE INQUIRIES.. PLEASE REMOVE THEM.IT IS AFFECTING MY POSITION AT WORK AS WELL AS MY HEALTH. XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Financing   XX/XX/XXXX Experian XXXX XXXX Auto/Truck Leasing XX/XX/XXXX Experian XXXX XXXX Automotive XX/XX/XXXX XXXX  XXXX  XXXX XXXX Automotive   XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX   XXXX XXXX Student Loans  XX/XX/XXXX Experian XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance/Personal XX/XX/XXXX XXXX
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been infected by XXXX  XXXX this year and I reached out to capital one to obtain assistance with my payments. 
They are reporting past due payments during the time I have requested XXXX XXXX  assistance due to me being hospitalized due to XXXX XXXX I started making payments soon as I was able this is not fair I can not get any help now because capital one reported these late payments on my account this is truly unfair its not my fault I had XXXX
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

I am very upset with the XXXX dollars I received on your behalf for the lose of my home.This was a complete nightmare and the XXXX dollars is so unfair and a slap in the face. I need help to sue them myself and at least get my money that is owed to me. I 'm sure you understand that.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

This Acct # XXXX shows that I owe them that I owe them {$5700.00} this acct is reporting that this acct was open XX/XX/2020 on ( 2 ) XXXX  and ) XX/XX/2020 this acct is mis reporting inaccurate info. I don't have any account with XXXX  XXXX XXXX.
Consumer complaint received 2024-03-26
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: SoLo Funds Inc. (FL)

Money was illegally taken from my Account for a loan that I had trouble paying back. I was in involved in a work related accident, so I work limited hours. Once I had more money. I would set up a payment arrangement, but they couldn't wait and took all of my money. They hired a third party named XXXX as a debt collector for the loan.
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I disputed XXXX items on my Apple Card ( Goldman Sachs ) on XX/XX/2024. I called Apple thereafter and requested that they remove one of the disputes since I was able to speak to the merchant. They agreed and I received an email confirming my request to withdraw XXXX of the disputed items. 

Three hours later I receive an email from Goldman Sachs saying they changed my virtual credit card number - I did not request this. Then, beginning at XXXX I started getting a " feed '' of emails notifying me of initiated charge disputes dating back from XXXX. These were unauthorized disputes since all were legitimate charges. In a matter of 10 minutes, over XXXX emails for almost {$1000.00} were sent to me notifying me and also the merchants that charges were being disputed by me. I had several of my merchants close my accounts because of Apple Card services employees ' criminal behavior. 

I tried contacting Apple through their number. The number requires the caller to listen to credit card information and disconnects you if it can not understand the request to speak to a customer service rep. They only want to text. My neck and back are killing me after texting with 2 people for another hour today after spending 2 hours on the phone on Wednesday. I also had to contact the merchants and change my credit cards and resubscribe. 

I need help from the CFPB in reaching the right people at Apple Card Services. They are still processing unauthorized disputes on my account. they can not tell me what the outstanding balance is on my card. I don't know if they cleared all of the disputed items. Because the phone system is antiquated and faulty, it's impossible to clear something of this magnitude by text message. Please help me get the right person to clean my account. Remember - this problem was due solely to Apple Cards system and employee- It's an " inside job ''. I believe someone breached security and firewalls and engaged in this criminal behavior because they are disgruntled.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

Had a fraudulent transaction on my account, that was then promptly followed by overdraft fees with overdraft protection enabled on my account. I contacted US Bank when I noticed the fee 's, they refused to remove the fraudulent transaction because of how long it took me to notice the transaction and continued to bill me more overdraft fee 's totaling over {$400.00}. This occurred during the pandemic.
Consumer complaint received 2022-08-25
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. (MI)

To begin, I haven't been trying to contact a " real person '' with Experian for the past week. Upon finally getting in touch with someone on XX/XX/XXXX, he was not only rude, but of no help in trying to solve my issue. I noticed some activity on my report and immediately placed a freeze on the account and tried to get things removed ( inquiries ) that were not authorized by myself. I also contacted the company before contacting Experian. I am a customer and I contacted this company for assistance, of which I received none.
Consumer complaint received 2016-06-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I have already filed a complaint with is company to no avail. Ditech complaint # XXXX. I have spoken to numerous persons with the company many supervisors. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX they have all tried to contact and emailed XXXX XXXX whom I received a letter from ( should be on file ). They statements made in the letter were never followed through with. According to the persons I have listed and spoken with I still have an outstanding balance of {$4300.00} and to date am 168 days overdue. 
XXXX XXXX has never contacted me or taken care of the OVERPAYMENT that was made by me when the loan was paid off. 
I understand from the letter that he has forgiven the moneys owed, however I NEVER OWED ANY MONEY. Ditech owes me money. I have been told by the title company and my C.P.A that I overpaid close to {$2400.00}. 
I have been trying to get this settled for close to 3 weeks. In the letter he states it will be settled within 1-2 weeks. Well I am going on 3 weeks and nothing has been settled. 
I have been very patient and trying to avoid paying an attorney to take care of this matter ( I have already retained one ). I will give Ditech 10 days to take care of this matter, and return my overpayment. I will then persue my only other option. 
This has been this worst morgage company I have ever delt with and will continue to persue. They are wrong in this matter and SHOULD be reported as I am doing, for all there illegal doings. 
Thank you, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLIANT CREDIT UNION (CA)

On XXXX XXXX XXXX, I notified Alliant Credit Union via notarized Affidavit of Truth that they were in violation of the Fair Debt Collection Practices Act. Additionally, I made them aware of the specific federally protected consumer law violations that they had breached and invoiced them in order for them to provide a remedy. By XXXX XXXX XXXX they had failed to respond to the aforementioned Affidavit of Truth ( attached ). Also on XXXX XXXX XXXX I notified them via notarized Default and Opportunity to Cure letter that they were in default and gave them the opportunity to cure within 3 days. Furthermore, I re-sent the previous Affidavit of Truth and Invoice for their review. There was also no response to this. Alliant Credit Union has violated my rights as a federally protected consumer under the following specific statutes : 15 USC 1692 d ( 1 ) 15 USC 1692 b ( 2 ) 15 USC 1692 f ( 8 ) 15 USC 1692 b ( 5 )
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2024 an entry ( hard credit pull ) was made on my XXXX credit report, indicating that I applied for a JC Penney Mastercard. It shows as XXXX/JC PENNEY XXXXXXXX ( Hotel and travel ). This is inaccurate, in that I did not apply for credit as indicated in my credit report.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (MD)

Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! XXXX bless you!
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.