davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Student loan — Federal student loan servicing
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: AES/PHEAA (WI)

Towards the end of XXXX/beginning of XXXX, I was alerted of my XXXX  score taking a drastic hit through an XXXX alert. After investigation, it turns out American Education Services ( XXXX XXXX XXXX XXXX XXXX XXXX was failing to draft my autopay payments from the checking accounts setup. I continued to see emails regarding posted payments all the way through XXXX, and was never notified through mail ( I have paperless billing enabled ) or phone call ( the company has had my current phone number on file for some time ) that there was a problem with the autopay failing. The XXXX XXXX I was using had been experiencing a number of issues with their online banking system, and I ended up going away from them entirely due to issues linking accounts online, getting payments, etc. 

I called AES to determine what the best course of action was, and they were of surprisingly little assistance : I was treated as though I could not make my payments when I had a flawless payment history along with zero records on my credit report of missed/delinquent payments. When I inquired as to why I was never notified of the issue regarding failed payments, I was given a runaround answer and simply asked if I was able to currently make payments. I immediately brought the account current and asked them how to dispute a " late '' payment ( that I was never notified of missing ) being submitted to the credit bureaus. I was instructed to fill out a form and send it in via priority mail to the address provided, but I have received no answer in roughly XXXX weeks now. 

I would like to dispute the singular error of my student loan payments failing ( which have historically never been missed on any of my accounts ) and dispute the predatory practices of reporting failed payments to the credit bureaus without any notification to the borrower via phone call, email, etc., when AES has all of my current information on file. This is clearly a mistake via an automated payment system and not my fault. Furthermore, the constant postponing of federal student loan repayment by the federal government has made tracking which loans are due and which loans are on a forced pause extremely difficult to monitor for the borrower. I would like to have this incident forgiven under the pretense that AES will properly contact me in the future regarding issues with my account.
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2022-06-22
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)

under the fair credit reporting act i have proof that accounts below has been reporting incorrect information on my behalf. these accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). Notice, it is a fact, pursuant to 15 U.S.Code 1692a ( 4 ), the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact. Notice, it is a fact, affiant is aware that the amount specified by the original contract is different from what XXXX XXXX is attempting to collect. There is no prior contract which authorizes them to collect the amount, shown in Exhibit ( A ), that XXXX XXXX is attempting to collect and no part of the contract expressly authorized the collection of this amount. This is a violation of 15 U.S.Code 1692f ( 1 ). Notice, it is a fact, affiant is aware a consumer reporting agency may furnish a consumer report in accordance with the written instructions from the consumer to whom it relates. Please provide the written instructions that I, the consumer gave to { Name of CRA } which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice this has been a fraudulently made consumer report using my identifying information. Exhibit ( A ) shows proof of XXXX U.S.Code 1681b ( a ) ( 2 ) being violated by Equifax, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. The account, XXXX XXXX must be removed. Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXXs abusive and deceptive business practices. Notice, it is a fact, affiant is aware, If judgement is made against XXXX XXXX I, the affiant, can and will pursue class action for the amount of XXXX to 1 % of your company in accordance with 15 U.S.Code 1692k ( a ) ( 2 ) ( B ). I DEMAND these items be removed from my consumer reports immediately.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

According to the FCRA IT IS A VIOLATION TO HAVE ITEMS ON YOUR CREDIT REPORT THAT IS INACCURATE Ive tried over and over to removed addresses that is not associated with me and XXXX, equifax and XXXX has yet to remove these addresses i will sue the credit bureaus my lawyer will be contacting. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In reference to CFPB Complaint XXXX - Equifax is still reporting the accounts however in the ( complaint XXXX ) response they claimed where not reporting this inaccurate reporting. SEE ATTACHED STATEMENT CFPB - EQUIFAX LETTER XX/XX/2022 ; SEE ATTACHED EQUIFAX CREDIT REPORT AS PROOF OF THE FACTS
Consumer complaint received 2020-07-14
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. (FL)

THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Second mortgage transferred from XXXX XXXX XXXXXXXX to Carrington Mortgage on XX/XX/XXXX of XXXX. I was under a loan modification in both mortgages 1st and 2nd. 
XXXX XXXX holds m

y 1st mortgage till today. 2nd mortgage never contact me to fin
ish the loan application. From XXXX till XXXX I couldnt find any information about my loan, until XXXX XXXX XXXX. Left a note on my front door. 
I reached out to them and found 2nd mortgage was transferred from Carrington mortgage on XX/XX/XXXX of XXXX. They only contact me on XXXX. 
House is in foreclosure and I tear of {$56000.00} fees are applied and the total amount is {$130000.00} Still trying to reach out XXXX By fax, email, mail letter and dont get a response. They have no records of any loan under my name property address or SSN. 
. 
What should I do? My attorney is not doing anything it looks like. Hearing was XX/XX/XXXX and I am waiting on some of the fees to be removed but Speciali loan service are not willing to do that or negotiate or application for a loan modification.
Consumer complaint received 2022-06-22
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. (AR)

I received a copy of my credit report and found the following errors and reporting inaccurately. Here as follows is the item in error : - XXXX XXXXXXXX XXXX The credit limit on this secured credit card is {$1000.00}, its reporting a high credit of {$900.00} that is inaccurate. There is something that XXXX XXXX made up called a permanent credit where they kept my money in the amount of {$580.00} on an account they closed after I filed a complaint with the Consumer Finance Protection Bureau. In addition to a credit of {$26.00} and {$5.00}, this totals {$610.00} which is money that has not been spent. The balance of {$380.00}, which is accurate is not a high balance is what should be reported. I will include a letter from XXXX XXXX admitting to the permanent credit, which can not be spent by myself of my own money. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2022-06-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I am a new Comenity Bank user due to an application for a Lane Bryant store card. After receiving my card, I have been attempting to create a new account and make a payment online for several days. My payment is due tonight. Charge of {$41.00} late fee plus interest is possible. I have not been able to reach online and telephone service ( XXXX ) gives a generic " system update '' message and hangs up. I tried calling the store, but they are not able to support this Comenity bank service or receive payment. There are no communication options.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I visited a Bank of America Atm in XXXX, Ca ATM ID : XXXX. I deposited XXXX checks for {$1400.00}. {$900.00}, {$900.00} a total of {$3200.00} in the ATM. There was a ATM malfunction and the atm only credited my checking for {$900.00}. I called BofA to file a claim and they eventually credited my account for the difference of {$2300.00}. Then they completed their investigation and took {$900.00} back. They told me that they could not find the other {$900.00}, that the atm may have destroyed it. This is a flimsy XXXX excuse for their poor atm machines. BofA have my {$900.00} and refusing to return it to my business checking ending XXXX. Because they can't find it, I have suffer. I called in again and I faxed over some docs for proof evidence.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I have a XXXX XXXX XXXX through Comenity Capital Bank, which is part of Bread Financial. Their website is inaccessible, supposedly due to a system update. I called and the recording said no phone representatives were available to access accounts, also due to a system update. With the website and phone down they've left no avenue at all to make a payment. There is also no end date or time listed for the end of the update or estimate about when they are going to be back online. 

They have supposedly been updating the system for about a week, but this is highly unusual. I am the lead XXXX XXXX for my company and have led different types of systems updates at my current company and in previous experiences. This is not what an update should look like. Additionally, even if their tech stack were down, that should not impact the ability for costumer representatives to take down account numbers and respective concerns in a temporary note taking app when people 's financial health is on the line.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

on XX/XX/21 I went online and requested for a credit limit increase. I received a message stating that I will receive something in the mail 2-3 days. I received an email stating I have a new document in my capital one document folder. the letter was regarding my request for increase why it was denied. The letter stated I was denied because my recent payments are to low. I pay my credit cards balance off every month, I even make multiple payments off some months splitting what's due in have and making 2 payments. I called Capital One and was told to retry that its computer driven for the response and that it was nothing she could do. I always have an issue with Capital One regarding this account. They don't increase the credit limit automatically I have to manually request for one just to get denied, And I do not want to keep requesting a increase do I do not want my credit to keep taking an hit and be affected. They don't even look at what you are talking about it feels like the are reading a script to get you off the phone.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

I've been trying to pay my Ikea Projekt card bill through Comenity Bank for over a week, but their website is down and their phone lines are no longer working. Their service agents reportedly can't even access our accounts currently as it is. I'm afraid I'm going to be charged a late fee as I can't even register my account to pay or pay by phone. Their excuse is that a scheduled maintenance is taking longer than expected, but its been XXXX days now and my bill is coming due.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Collection Bureau, Inc. (SC)

My personal information was shared without my permission. This inaccurate credit reporting has resulted in my children suffering homelessness because I can not find housing. My inability to furnish housing for my children for the last two years is a direct result of the credit reporting agencies undermining a banking system that depends on fair and accurate reporting. I did not give these agencies permission to furnish my private personal information.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid 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: Chime Financial Inc (TX)

I made a online purchase on XX/XX/XXXX. After 3 months of not receiving my product I requested a refund which they agreed to. I filed a dispute with Chime bank on XX/XX/XXXX. It was quickly denied. I have opened multiple rebuttals since then. On XX/XX/XXXX I talked to a supervisor of the dispute department. He informed me that it probably got denied because it was filed under failure to receive goods or services, but since the company said they would give me a refund they denied it. They said they were going to file it as a failure to credit since I didnt get my refund. It was denied shortly after that.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (IL)

I believe Im a victim of of identity theft I noticed theres an fraudulent close auto accident from XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX for the sum of {$11000.00} thats in collections that I did not open, along with 9 inquiries listed on my credit report that I did not authorized. My personal information was leaked in the XXXX XXXX data breach. In accordance with the Fair Credit Reporting Act my rights have been violated. 
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 an account without my written conse
Consumer complaint received 2021-11-11
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-12-06
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Thaxton Investment Corporation ()

I am late due to other bills automatically taken out of my account and i will pay them but they have been calling me and my fiance from their personal cell number and also contacting me at work when i have asked them not to numberous times because i cant take personal phone calls at work, i am not going to try to get out of paying them but i havent had the money to do so at the moment.