davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I contacted XXXX XXXX today after receiving an alert stating that they reported my account 30 days past due. I reviewed my XXXX statement and it shows that my payment was received. 

I advised XXXX that my former account was closed due to my recent divorce and that I had gone on their site to update my account information with my new checking account. I also scheduled a payment of {$40.00} for my XXXX bill which they somehow pushed it to my XXXX bill. I never received a late notice in the mail nor via e-mail ( I have electronic statements from them ). I don't even use this card ; the {$10.00} that they are charging me each month is the fee that that charge to report to the credit bureaus ( per a rep that I spoke with years ago ). 

As of my statement closing date it shows that I was not past due but 8 days later they are now saying that my payment was not received ( after they pushed it to XXXX XXXX. I feel that this is an unacceptable practice. I am currently applying for a mortgage and this has caused my score to drop 30+ points disqualifying me. Please help me resolve this issue as soon as you can.
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (AZ)

I am XXXX XXXX and I am submitting this complaint by myself and there is no third party involved. 
I XXXX XXXX is a consumer, natural person and the original creditor and I know my rights. As a consumer I have the right to privacy and no third party has my permissible purpose to put anything on my consumer report. This is a violation of the federal laws. By reporting any payment history and transactional history not limited to student loan, auto loans, credit cards, installment loans and other accounts without my permissible purpose, Fedloan Servicing is found to have violated many federal and state laws. As a consumer, natural person and original creditor, I will exercise my rights and pursue ANY damages incurred for willful noncompliance and negligence on behalf of Fedloan Servicing. Fedloan Servicing Does NOT have my permission to report any of my PRIVATE business to any third party consumer agencies to be placed on my consumer report. Please remove all the accounts listed on my consumer file. 

PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CT)

I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX. In my disputes I have requested that they investigate the account and the amount, because I believe that the services were illegally used by the landlord or new tenants long after I moved from the address this account is related to. I.C. Systems is erroneously reporting that my balance is {$5100.00}. The last date in which I disputed this account was XX/XX/2020.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

I had autopay turned on at GM Financial and had made timely payments throughout the lifecycle of my lease. At my lease termination, I had returned my car and closed the account as the account was paid in full. Couple months later I found out that someone had added on {$36.00} fees without notifying me after autopay had paid off the account in full. 3 months later I find out through my credit report that I now carried a balance. I called GM Financial and even they were surprised stating this was the first time they had seen this either. However, no action was taken after I submitted 2 complaints and had 2 phone calls with them. It now shows that someone had closed out the account to cover their tracks but left the errors still showing on the account so now I have proof of their errors and evidence of hiding their tracks. 

This is a disaster of company operations and GM Financial should be held accountable. I can't imagine how many others are being affected by this as well.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

XX/XX/2021 American Express had welcome bonus of XXXX XXXX XXXX Bonus Points for getting a new card. Required to spend {$1000.00} in XXXX months. I applied online. 

I charged over {$1000.00} in the first XXXX months. 
XX/XX/2021 Called American Express. They said that I did not qualify and that when asking for card there was a " pop-up '' saying that I did not qualify. 

Never. Why would I ask for the card if I was not going to get the bonus offer. 

The supervisor, XXXX said that I did not qualify, but she did not know why. She opened a " case '', but I never heard any more. 

I
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (PA)

I am the original creditor of the account in question. 

After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). 

NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. 

NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. 

On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. 

On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. 

I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. 

NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent.

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. 

NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. 

NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). 

NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ).
Consumer complaint received 2021-11-22
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)

I am XXXX XXXX and I am submitting this complaint myself to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. DELETE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( Original creditor : XXXX, XXXX XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor:XXXX, Original creditor : XXXX, Original creditor:XXXX )
Consumer complaint received 2021-11-21
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: EQUIFAX, INC. (MD)

I have tried multiple time to send in disputes and call to dispute these accounts with no response. Please investigate and remove these inaccurate accounts from my credit report.
Consumer complaint received 2020-11-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (TX)

On XX/XX/2020, I was notified by XXXX XXXX regarding a substantial decrease in my credit score due to the appearance of a new account. Upon reviewing my credit reports through all three credit bureaus I noticed the appearance of a collection filed by SEQUIUM ASSET SOLUTIONS , LLC, regarding {$120.00} debt owed to XXXX XXXX. I have never been notified of such debt by XXXX XXXX, nor by Sequium Assat Solutions, and my account with XXXX XXXX has routinely been timely paid.
Consumer complaint received 2022-06-23
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. (PA)

XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

My XXXX tax refund was mistakenly deposited into a unknown Wells Fargo checking account. This account does not belong to me or anyone who I know. The money was taken by whoever owns the bank account. The money was never returned to me. I submitted a complaint with Wells Fargo, # XXXX, and I have tried to contact XXXX XXXX XXXX XXXX but she is unresponsive. My complaint was closed because they said she could not get in touch with me, this is untrue as my lawyer and I have been calling and leaving voicemails. I would like my tax refund to be reimbursed to me. I should not be penalized just because the money was deposited into the wrong account. Wells Fargo should be required to conduct an investigation of this unauthorized deposit.
Consumer complaint received 2022-06-23
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. (AZ)

Remove late payment from XX/XX/2021 for XXXX XXXX XXXX XXXX ; this company is in violation of 15 USC 1681 15USC 1681b 15 USC 1681 ( 2 ) ( a ) ( i ) 15 USC 1681
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (NY)

Experian has refused since XXXX to give me access to my annual free credit report. 

On XXXX, I have attempted since XXXX to obtain a copy of my Experian report. However, in each instance, I am told they can not process this request because the security questions I answered are incorrect or I am unable to simply view it online for unknown reasons. 

The questions they ask me never pertain to me and the email correspondence I have with the company is answered by someone that refuses to read my emails and give me copy+pasted responses. Calling up phone number results in a person with an accent not understanding the problem with Experian asking me about Mortgages when I never ever had a mortgage. They refuse to help. They keep telling me to sign up for their online services and pay the subscription fees. How in the world this is not illegal, I do not know. I have no issues with XXXX  with any of this. 

I am asking CFPB to please just help me obtain my free annual credit report.
Consumer complaint received 2022-02-15
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. (NC)

My name is XXXX XXXX XXXX and I am sending this request without any third party involved and I'm seeking help to address the inaccuracies form my credit file. This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00}
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (SC)

XXXX  account as reappeared on my credit file account number XXXX .I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please be advised of my ftc report for you to remove the unverified accounts listed below that remain on my credit report in violation of U.S.C. 1961. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these account : How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PDQ Services, Inc. (TX)

I have filed multiple complaints regarding ID theft I owe this company nothing nor do I owe any of its affiliates. I have never paid this company or any of its affiliates. I am aware that there is someone is using my information but this company doesn't seem to care. I would like any documentation with my signature including an application with my name on it to include with my 4th official police report
Consumer complaint received 2022-10-12
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: Bread Financial Holdings, Inc. (PA)

Open a loan with the XXXX XXXX the company they referred is Comentity BankXXXX they are reporting it as a credit card when its a set payment by reporting it as a credit card its saying I have 103 % maxed out my credit card I have no physical credit never had one with this company its a loan One of the biggest problems it has hurt me with my new credit cards interest rates and low credit score coatings me a lot in interest Im being charged because of the false reporting I spoke with them on the phone XX/XX/2022 they said its like a credit card once I explained I didnt have a physical card she transferred to two departments that had no clue what I was saying please help its destroying my credit
Consumer complaint received 2020-11-18
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I was offered forbearance at the the beginning of the pandemic which I accepted. At the end of the forbearance I requested the balance be moved to the end of the loan which was kindly agreed. I am listed as the end of the trial period and waiting for the loan to be complete. this completed process has gone on for 2 months and I feel there should be some further explanation. I can not reach anyone with the authority to explain.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX Tuesday at XXXX XXXX  PST ( XXXX XXXX  EST ), I/COMPLAINTANT talked to a representative via XXXX for about 10 minutes. I/COMPLAINTANT tried to raise issue with a merchant ( rather to mark the transaction for the merchant to identify my/COMPLAINTANT 's login credentials, in this case ). 
However, the representative was rather difficult on processing this dispute. 
( 1 ) I/COMPLAINTANT aware of being able to file dispute via mail or online but representative was overly curious on why I don't file this via online method. 
( 2 ) He filed the dispute for amount more than what I/COMPLAINTANT asked for.

( 3 ) I/COMPLAINTANT tried to NOT make this dispute a " fraud '' case, however, representative tried to insist that the credit card number be replaced with a new card. 
COMPLAINTANT/I insisted back and convinced the representative to simply process the dispute WITHOUT replacing the card with a new number. 
COMPLAINTANT/I would like to remind the representative that he/representative does not have to advocate for the merchant or for me/COMPLAINTANT. However, in this case he/representative tried to, by insisting that changing the credit card number with a new card is a necessary step.
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/2020 stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.
Consumer complaint received 2022-06-23
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. (CA)

Account Name : " XXXX XXXX XXXX '' Account # : XXXX XXXX XXXX XXXX does NOT have written authorization from me to pay any debts on my behalf. Therefore ; in accordance to 15 U.S.C 1681 Section 604 A Section 2, their " collection '' is a form of illegal activity for which I will not be financially responsible for.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (GA)

*The Correct and Only Spelling Of My Name Is XXXX XXXX XXXXThese Following Addresses Do Not Belong To Me I Need It Removed Immediately XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Pl XXXX XXXX, NY XXXX XXXX These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 In Accordance with the Fair Credit Reporting act Convergent Accounts has Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Consumer complaint received 2024-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ZIONS BANCORPORATION (TX)

Opened account on XX/XX/XXXX, and was locked out on XX/XX/XXXX. I called in and was asked to go to a branch to show my ID. I did so, and the representative had no idea why I was asked to do so, nor did the representative know who to call about the issue.