davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
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. (TX)

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called XXXX XXXX XXXX to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the Military is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (GA)

I sent a factual dispute to SETF/ World Omni Financial and they responded with a letter saying one of my accounts was going to collections. The account should have NEVER even been able to be sold off because I first sent them FCRA violations they committed against me. I will attach supporting documentation.
Consumer complaint received 2022-05-18
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. (TX)

I sent a supporting letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is to share my information to a third party. 

There are clear violations of my federally protected consumer rights.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

OnXX/XX/2020, I received a bill from Fifth Third Bank in the amount of {$8400.00}. Since I have never been a customer with Fifth Third Bank, much less applied for a line of credit with them, I immediately called their Resolutions Department to indicate that this was a case of identity theft. Judging from the bill, the card was maxed out in two days, with charges originating in Indiana. I live in Michigan. I explained to the agent in the Resolutions Dept that I had lately been the victim of several cases of identity theft with other banks and companies which occurred in the week directly after XXXX and the first week of XXXX. ( I placed a credit freeze with the three credit agencies around this time. ) The agent explained that the bank would be sending an affidavit for me to sign and notarize swearing that I was not responsible for the charges. 

I faxed Fifth Third Bank this affidavit as soon as I received it, on XX/XX/2020. After repeated inquiries on my part, I finally learned on XX/XX/2020 that Fifth Third Bank rejected my appeal. Their reason for doing so, according to the agent to whom I spoke, was that I did not include a police report. This took me by surprise since a police report had never been requested. In my naivete I had thought that this was a fairly self-evident case of identity theft. I have never maxed out a credit card in my life ; the fraud occurred in XXXX, IN, whereas I live in Michigan ; the same location was used in a XXXX XXXX obtained fraudulently in my name that XXXX XXXX reviewed and determined was a case of identity theft ; I did indeed file a police report on XX/XX/2020 ; and the bank had my sworn statement that I did not make the purchases, much less apply for the credit, it says I did. Fifth Third Bank has been apprised of all these particulars but nevertheless seems determined to extort more than {$8000.00} from me for no other reason than the fact that a thief has duped them into believing a lie. 

Given the failure of Fifth Third Bank to act in a timely manner in responding to my appeal and given its shifting account of what I must bring forward to prove my innocence, I have no other recourse but to file this complaint.
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I joined to US XXXX in 2016 and was sent to my training in XXXX. Before going to my training, I called Fed loan servicing to grant me a forbearance because I was going to be away. During the training, Nobody has access to his phone, internet or any way of dealing with credit company. A few months later, after my initial training, I came to find out that I account was being reported delinquent. I picked up my phone and called them, and they said that they were going to fix it with the credit bureaus. And recently, the same thing happened again. They grant you a forbearance, and turn around and reports your accounts as late. I have attached my Military orders to show that I was XXXX XXXX during that time and I have also attached their approved forbearance. 
This has ruined my life and has made me unable to apply any loan since 2016. This one account is reported into 8 tradelines/split accounts on my credit report and is showing that I have been late 5 times per tradeline/split which total to 40 times late. I have tried to multiple times and avenues this has never been resolved and everyone seems not to care. I am being treated this way because I chose to serve the country? Joining the XXXX is not an excuse to get away from financial obligations, but at least necessary steps were taken to ensure that I was covered during my XXXX XXXX time. If there is anyone out there to help me, I will appreciate because 40 late payments have been sitting on my credit for 4 years now. These late payments have crippled me and had made me unable to even get a security clearance. My wife and my XXXX kids can not enjoy the life that I have always dreamed to give them because every time I want to take a step forward, 40 late payments are holding me back. I have saved up for a mortgage but can not get qualified. Can someone look into this and save my life and the life of my miserable family? Please I need help.
Consumer complaint received 2022-05-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery XXXX, for committing identity theft. I have never given Portfolion Recovery XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with Portfolio Recovery A and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from Portfolio Recovery A, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

my name is XXXX XXXX XXXX. i lost my job during the covid-19 so around XXXX I couldn't make my credit card payment due to hardship of my finance situation at that moment so they ending up reporting on my credit report on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX so really bring my credit score down more than 200 points. i decided to talk to a representive of Bank of America and I explain my situation to agent and he removes all the late payment fees so i could pay it and we had a agreement so if I pay the amounts I own them, all my late payments is gon na be removed from my credit report which I did paid XXXX XXXX and it still on my credit report those XXXX XXXX i paid which was really come from a lot sacrifice I did to get all my lates payments removes it and they didn't respect our agreement. I'm trying to get a new delivery car to be able to pay my bills but I can't because of the lack of respect of our agreement. Please I need the consumer finance support to get those late payments remove from my credit asap so I can start working and provide for my family ( XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I began questioning this organization in XXXXXXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc (GA)

This is not due to identity theft just the incorrect reporting of the account on my consumer report. Harley Davidson Credit Corp is continuing to report late payments on my report in violation of FCRA 15 USC 1681a ( 2 ) ( A ) ( i ). This is also violating my Right to Privacy, Defamation of Character, the accuracy of the report, negligent Non-Compliance, Civil Liability, and Mental Anguish. See attached documents... 

The same letter was sent to XXXX XXXX XXXX XXXX. Have had no response as of yet.
Consumer complaint received 2020-05-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TX)

Comenity bank where I have 7 branded cards for services ranging from XXXX, XXXX XXXX and XXXX medical card. I attempted to use my card now that my doctor is allowing XXXX XXXX- I went online to verify my dr was in the network and he was comenity site asked during the search to provide services possibly being used and identify the dr office this was in XX/XX/2020  when trying to use the card on XX/XX/2020 it was declined- I sent them a secured message and they quickly replied that due to inactivity they closed the account and coincidentally it was two days after my search for my dr on their site. I have had the card for 5 years and paid all my medical procedures on time, in full and before interest could accrue. My credit score has decreased in the past couple of months due to using 22 % of my available credit vs my usual 11 %. This is not a result of financial loss only my being cautious and keeping more cash on hand but still no late payments to any creditor for 45 years - no bankruptcy, no collections, always and still pay well above the minimum due. I understand banks are pulling back credit lines with no real reason. The credit agreement for all comenity cards does not list that credit will be evaluated at anytime or for any purchase as long as account is in good standing their medical services card are not subject to closure due to long periods of non use. And certainly they knew I planned to use the card and once they closed it it immediately raised my credit usage to 30 % and dropped my score 20+ points. I dont believe this is a fair practice during this pandemic and am tired of seeing and now feeling myself these lenders just making rules as they go. When I called they asked me several times my date of birth and asked how long the dr was offering terms - I got put on hold and when he came back online said I would have to reapply- I feel Ive been age discriminated against and also based on my name the assumption that I was not the race of client they wanted to continue to do business with. XXXX did this after XX/XX/XXXX and not only did they pay dearly but have been one of my best financial partners since.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Pottery Barn posts on their website that you can receive a 10 % rewards ( effectively 10 % in gift funds ) for new Gold Rewards members when they apply for a Pottery Barn Visa through Capital One. However, Pottery Barn sets the credit limit at {$1000.00} which is below the purchase price of a large purchase, in my instance a {$2600.00} bed. So the website advertised a 10 % reward of {$260.00} but that reward isn't obtainable because of the low credit limit. I would never have applied for the credit card had this limit been disclosed.
Consumer complaint received 2020-05-16
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: Bread Financial Holdings, Inc. (SC)

I opened up a XXXX XXXX account with XXXX XXXX sometime in XXXX. This account has been kept in good standing and was always used responsibly. On or about XX/XX/XXXX, there were over {$600.00} worth of fraudulent charges made on the account that I did not authorize. This happened around the same time I was relocating from XXXX to XXXX XXXX due to employment. I raised my concern to XXXX XXXX, which in turn they immediately credited about {$250.00} worth of charges and stated they were going to freeze my account and all reporting to the credit agencies XXXX which they did not ), while they investigated. Also XXXX reached out to let consumers know of a breach that impacted XXXX XXXX XXXX customers ( XXXX XXXX did not notify me of a breach ). Around that time it appears XXXX XXXX sold off the XXXX accounts to Comenity bank, and nothing was done In the investigation. as XXXX XXXX never reached back out to me to share their conclusion. When I reached out to Commenity bank and their fraud dept to explain the situation, I was told that they were going to issue me a new card once I brought the account current ( which they never did ). When I called back- Agents were rude and would refuse to provide information on the status of my account, my fraud case and the status of my card issuance. Commenity continued to negatively report to the credit agencies without addressing my concerns, and directed me to dispute the fraud charges with the agencies rather than with their bank. After weeks of back and forth, Commenity ultimately shared that the account was closed and they were never going to re-issue a new card, even after they took several payments on my account. I made a final payment to the account as it was clear they werent investigating my fraud claims and the interest on that balance was still accruing. Even after paying out and closing the account, Comenity still sends me notices about my account as if it were still active, Recently they just sent me a change of terms to our agreement ( see attached ), Ultimately both companies completely mismanaged my fraud case and continued to negatively report against me- even when Ive done everything on my part to notify them about the fraudulent charges. I want all negative reporting to be deleted, and I want both banks to be held accountable for how they mishandled the transition of my account.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX  XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BBVA FINANCIAL CORPORATION (TN)

I have Few CD 's with BBVA Bank. I asked them to close and credit the fund to my money market account. I followed all their instruction. 
Even after all that I called them and they would not take care of the problem. I had to call them 5, 6, even seven times and they credit the fund after 7 to 8 days. 
I want them to pay the Interest at my cd rates for those days. Also not following my instruction and westing my time I would prefer to be compensated for the time and inconvenience.
Consumer complaint received 2020-05-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$22000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account.
Consumer complaint received 2024-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I had my Mortgage Loan with Truist Bank on XXXX, without any problems or issues. Then at the beginning of the year they sold my Loan to XXXX XXXX XXXX, at the time the entire transanction was done I was not in XXXX at my house and was not receiving the mail correctly, therefore I continued to make payments to Truist until XX/XX/year>, the problem is that all the payments that I made till XXXX were transferred correctly to XXXX XXXX, except the payment that I send on XX/XX/year>, this payment was not applied to the Truist Account or to the New Lender ( XXXX XXXX ). I had a previous complaint with you # XXXX ( and I received an e-mail yesterday telling me that case was closed and resolve/ which is not true ). The amount of the payment is {$1200.00}, I am attaching receipt from my Bank with the information of the payment and also the transaction number. I honestly don't know what to do anymore, I am a retired person and can't afford to lose this money. Can you please tell me what to do???