davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-04
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. (AL)

I recently received a copy of my credit report and found that the credit bureaus are still illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection/charge off with a past due balance. This is a violation of the FCRA and also in violation of the requisite METRO 2 complaint reporting standards. 

According to the Fair reporting act. I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate and verifiable. 

Please remove this accurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and Metro2 reporting standards as well as these accounts removed. 

XXXX. XXXX XXXX XXXX balance {$100.00} XXXX XXXX {$480.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXXXXXX {$700.00}
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CUSTOMERS BANCORP, INC (TX)

On XX/XX/2022, I opened a money market account ( ending in XXXX ) with Customers Bank. On XX/XX/2022, Customers Bank made an ACH transfer from another financial institution in the amount of {$1000.00} to fund my account. 

On XX/XX/2022, I attempted to access my account via Customers Bank 's online portal. I was informed that my username had been disabled. See the attached photo. I immediately called their customer service line. A Customers Bank representative verified my identity. The representative confirmed that my username had been disabled and that she could do nothing more other than transfer me to the account fraud desk. The " account fraud desk '' is a recorded message that promised to return calls within XXXX hours. 

XXXX hours later, I called Customers Bank 's customer service line again. I was verified again. I was transferred to the account fraud desk again and left a message. I called again on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time I was verified by the Customers Bank representative. Each time I was transferred to the account fraud desk. Each time I left a message with all necessary information. Each time I was promised a return call within XXXX hours. 

I have yet to hear from them. They have my money and they seem inclined to keep it.
Consumer complaint received 2022-09-04
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)

I have made on time payments for years never have been late because student loans were in deferred. I am currently a couple years up current but I ask that these late payments be immediately removed. This account number is XXXX name of account is XXXXDept of ed
Consumer complaint received 2022-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.M. Galicia, Inc. (CA)

A verification of debt letter was sent to agency and no proof or verification of debt was provided in response. They sent detailed medical records, which is a violation of my privacy. I did not sign a XXXX release form to authorize access to medical records. Also, my name is mis-spelled incorrectly.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

I signed up for a XXXX Discount Tire Synchrony Car Care card after being told that it was the same thing as a XXXX card and would be accepted anywhere that XXXX cards were accepted. After multiple attempts to use the card in different locations they were all declined. The store managers at XXXX Discount tire at the following locations are specifically instructed to tell the customer that the card is accepted anywhere that discover cards are accepted. I know this because I was a manager there and was told this. When I asked for more information regarding this the Regional managers would reply with a script about not questioning things because we are proving help to the customer that can't pay. This happens in two specific locations and one manager would go as far as saying it would not affect the customers credit scores in anyway just to get the bonuses that were given for most sign ups of the card. The store is located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX and the manager that haas now moved up because of his lying to the consumer is named XXXX XXXX who is now at the location XXXX XXXX XXXX XXXX, XXXX, NJ XXXX
Consumer complaint received 2019-11-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA (NY)

I had been up to date for 5 years on my personal student loans. I received a phone call about debt consolidation. decided to move forward with it. ( later found out I was solicited by a third party ) made 3 payments to this third party company and they enrolled me into the federal student loan forgiveness program. problem is I did not know who had my loans. then, about a year later saw it come up on my credit report that I was 90 days late on payments, and saw the company that had my loans. Federal Student Loan Forgiveness program. so I contacted them and immediately got my loans up to date. the problem was I never got a notice in the mail or email. during my phone call it became clear that I was scammed by a third party, and after much deliberation with the person on the phone, they said if I can prove I was solicited by a third party they would fix my credit report. ( score went down by nearly 100 points ) so I wrote a report, got bank statements and printed out articles on the internet where other people were also solicited by Student Loan Relief Counseling ( or counselors ) and sent that into the credit dispute committee. I thought it was clear what happened. they had said that they sent notifications to my inbox I created, but I never did create one, and they also had the wrong cell number for me. so I was really unable to get the information to update my payments. 

They declined my credit dispute because as one person I spoke with said " we didn't tell you to work with a third party '' this was extremely disappointing. they said fixing the credit report had no negative effect on them, so I couldn't understand why they wouldn't want to help me out of a situation I was scammed into. it seems to happen a lot with the third party companies, you would think there was some firewall against that happening. Again, I was told my if I was able to prove I was scammed into the program they would fix the 90 days late, so I put a clear package together showing what happened, and instead it got declined and my credit score went down again. my credit score is still nearly 100 points lower than what it was before this all happened. And I wonder why a program designed to help people In financial need would be so short to dismiss these kind of issues. 

thank you.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MI)

INFORMATION FOR DISCOVER CARD On or before XX/XX/XXXX someone at XXXX ( XXXX XXXX ) set up an account with XXXX  using the name XXXX XXXX or XXXX XXXX XXXX ant transferred or charged the amount of XXXX! ( attachment XXXX XXXX ) On or after XX/XX/XXXX a fake bill was made ( Fake Bill ) On or before XXXX XXXX, XXXX the fake depth was transferred from XXXX bank XXXX XXXX ( Bill of sell, Crook 1, Crook 2 ). 

From about XXXX to XXXX someone was transferring money from my credit cards to fake accounts set p by these two crooks. I thought it was Discovery card but now with these court Documents I believe it was the two crooks 1 and 2.
Consumer complaint received 2022-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I had an account with FedLoan and paid off my loan during covid. With the CARES act were supposed to be able to request a refund of payments made after XX/XX/XXXX and before XX/XX/XXXX. I called FedLoan XX/XX/XXXX and requested a refund. They said they could process it and it would take 4 weeks to 6 months. Instead they just transferred my Lon to XXXX. They were not transparent on what was going to happen with my account. I got different answers from each rep I called when I called to confirm twice in XXXX.
Consumer complaint received 2022-09-05
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. (IL)

XXXX ( XXXX XXXX XXXX  ) ran a hard inquiry on my credit report. I DO NOT KNOW WHO THIS IS. I do NOT own a home nor have I applied for a home loan. Please remove this from my report. The only inquiry I've had in the last 3 year is XX/XX/2022. NO OTHER HARD INQUIRIES SHOULD BE ON THIS REPORT. Equifax is violating this law : 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private thats posted on your consumer report is a violation. Infringed upon my right of privacy.
Consumer complaint received 2022-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

TO WHOM IT MAY CONCERN. As you requested that your office be updated on this case. As of now the sale date XXXX of XXXX. Mr Cooper requested all information to do a modification. All the information reqtired for the modification has been sent mr cooper. The problem is that Mr copper has not requested for the court to extend the sales date. To allow the needed time to finish the modification. We are writing to you to help us request an retention date., .We are still working with XXXX XXXX XXXX We need time to complete with that. To enable us to save our home. The court appointed a mediator. The court mediator did everything to have a work out. The bank will not corporate. The bank came up with a monthly payment of over $ 7000 monthly. Knowing very well that is not practicable. The court mediator approve for us to go to the XXXX XXXX We are now working with XXXX XXXX. They said that they will need 60 days to finish the process. Please see some of the correspondence with the XXXX XXXX. The bank now have refuse to give us the time to finish the process. They have refuse to change the sale date. The XXXX of XX/XX/2022. Please see the court information. We are appealing to your office to help us to appeal to the bank to allow the process with the XXXX XXXX And the bank recent request for all our documents to do a modification. We just forwarded all the bank requested information to the bank. The bank need to extend the sale date to allow all this process. Our situation is urgent. We appeal for your office to help us. The bank has one goal in mind., That is to write off XXXX XXXX XXXX in there tax return. They have compounded interest and other charges in the principal of the original loan amount. In hope that you will came to our rescue. Thanks in anticipation. XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX. 
XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-11-07
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: Checkr, Inc (IL)

I have been waiting on a background check to be completed with Checkr for 1 month and 2 weeks. Because this background check is critical to my finances Checkr is damaging me financially. I am requesting Checkr to complete my background check immediately. This is unacceptable.
Consumer complaint received 2022-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

In XXXX I walked out of XXXX XXXX  and XXXX XXXX XXXX XXXX. Walked into a Guitar Center with a POCKET FULL OF CASH! Paid in cash for things SUCH AS : XXXX XXXX XXXX ( {$1200.00} ) XXXX XXXX  XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$400.00} ) XXXX XXXX ( {$400.00} ) XXXX IXXXX XXXX ( {$400.00} ) The team at THAT TIME saw potential to steal from my pockets while shopping and pressured me to leverage MY CAPITAL against their CREDIT CARDS because the STORE could benefit from " people like me. '' SO I GAVE THEM AN AUTOGRAPH!! 

Since then my CAPITAL and PROFIT has been TREAD by representatives of the company and credit reporters and groups/banks. 

My PATENT WAS INFRINGED... 
My intellectual property has been COMPROMISED and maintaining the SPECIFIC MIND I WAS BORN WITH is now washed and ultimately incorporated with a SCANDAL. MY BUSINESS, REPUTATION, NOTATION, AND LIFE HAS BEEN STOLEN AND DESTROYED. 

I HAVE INSTRUMENTALS CREATED A XXXX AGO THAT HAVE BEEN COPYRIGHT INFRINGED TO XXXX XXXX THAT I CAN'T EVEN GO TO THE COPYRIGHT OFFICE ABOUT! 

XXXX XXXX XXXX have ultimately HACKED MY TOOLS. 

I AM GOING INTO TRIBAL CONSULTATION!
Consumer complaint received 2019-11-30
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. (CT)

I have been currently disputing accounts on all three of my credit reports since. XXXX ... .Equifax and XXXX since XXXX of 2019. I have been unsuccessful with them deleting medical accounts in collections that are in violation of HIPPA. I have sent out dispute letters to the creditors as well as all three credit bureaus. During every dispute process the creditors and credit bureaus failed to show me proof of original documentation that I signed to have these medical services done. Due to these collections being on all three credit bureau reports it is interfering with my quality of life. I tried to get a XXXX XXXX loan so I can have an XXXX  done for a XXXX I was denied. I was just recently denied for a personal loan to take care of some medical expenses for my mother and I was denied. After this I am going to submit a complaint to HHS.gov for a violation of HIPPA. Then my next step is litigation. I have consulted a credit lawyer who has advised me to submit a complaint via CFPB first then HHS.gov, if the issue isn't resolved for them to delete those collection accounts of my credit reports after this we will move forward with litigation with all three credit bureaus XXXX   XXXX, and Equifax.
Consumer complaint received 2022-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

I received a Room to Go store credit card under a zero interest promotion for 3 or 5 years. I would have to look at my paperwork. As I'm paying down my balance, Synchrony Bank is moving amounts to a separate " purchases " balance that has no date and is accruing 29.99 % interest. Every month this miscellaneous purchase amount increases so as I'm paying it down, more interest is added to the account. Again a card that us currently under a zero interest promotion. Synchrony balance chased my account to the point of closure but as I continue to pay this account I want to know what this miscellaneous purchases is and why it increases every month and why is there interest. I did not make any purchases outside of the promotion.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CT)

My friend who visited me on XXXX used my phone while I am distracted asked my password PIN numbers, and ordered product XXXXXXXX XXXX XXXX, price and date was, Transaction date : XX/XX/2022, Transaction amount : {$550.00} USD, my friend used my XXXX account with linking citi bank debit card. 
And I tried to cancel whole order and dispute it after find out, but both XXXX  and citi bank customer service declined my request, that is why I am requesting to adjust from here. 

so please assist me with cancel this whole order and get full refund.
Consumer complaint received 2022-09-04
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. (FL)

I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.
Consumer complaint received 2022-09-04
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)

n accordance with the Fair Credit Reporting act 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

XXXX aka cbna reported that a closed account which Im paying off was 90 days late. Because of this inaccurate information i was declined credit for a mortgage. I was able to find checks cashed by cbna that went back to XXXX. They have been reporting late which is incorrect and have caused my credit score to remain/ be low. I did dispute this with the XXXX and XXXX. But if its changed will my score go up like it went down? XXXX is also looking into this issue.
Consumer complaint received 2022-09-04
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. (GA)

Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.
Consumer complaint received 2022-09-04
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: SYNCHRONY FINANCIAL (GA)

In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-04
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: Westlake Services, LLC (NJ)

I had a credit card with a company called XXXX. Payments were scheduled on autopay and no payments were ever late. Around XX/XX/XXXX, a company called Westlake Portfolio Management acquired XXXX and took over all accounts including mine. Neither XXXX or Westlake notified me that this was happening, and Westlake additionally stopped my autopay without notice. I was completely unaware any of this had happened, and because the autopay was only a small amount per month I didn't notice that it had stopped drawing from my bank account. It wasn't until I reviewed my credit report that I discovered late payments to an unrecognized company ( Westlake ). I looked them up and they seemed like scammy company with a lot of complaints against them. I called them to understand the issue they explained the acquisition. The remaining balance they claimed I owed was significantly higher than it should have been. I asked them for proof of the original contract I had signed with XXXX  stating the terms and APR of the account, and they said they did not have this information and could not provide it. I also did not have access to the contract because the XXXX website was shut down so I could not log into my account. The initial person I talked to at Westlake ( I have his name ) also admitted that many customers were caught off guard just like me, many of the reported balances were inaccurate, and that some customers were even told they owed money even though they had already paid off their XXXX balances in full before the acquisition. I called multiple times asking to speak to a manager, and was given an excuse every time ( manager is at lunch, not in today, call back in an hour, etc. ). After weeks of severe stress, I couldn't take it any more and decided to just pay off the full balance to make the problem go away ( XX/XX/XXXX ). I asked Westlake, in exchange for me paying the balance in full ( including interest and late fees ) as my very first payment to them as the new owner of my account, to please remove the late payments reported on my credit report. They refused, and said I would first have to make the payment, and then file a dispute with the credit reporting agencies. I asked for a manager to call me back after making the payment so that I could talk to them further about the credit report and I was told they would. They never called. In XX/XX/XXXX, I filed disputes with XXXX and XXXX. The XXXX dispute completed today and the late payments were NOT removed from my credit history. The XXXX dispute is still in progress.