davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America credit card ending in XXXX claims in the letter that on XX/XX/XXXX due to a breach of terms and agreements my account was closed I did not receive the reason why even though it was stated that they will send a copy of the terms and agreements for this account in a separate mailing the letter that I received was dated XX/XX/XXXX and there was no explanation on that letter and there has been no explanation to date. I believe that since I recently stopped direct deposit into a separate account and subsequently closed my checking and saving account held by the same bank, this was a retaliatory action.
Consumer complaint received 2019-07-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes ( XX/XX/XXXX ) by means of a Credit Repair Organization, Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below  ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX {$1300.00} not mine XXXX XXXX XXXX XXXX XXXX {$3500.00} not mine XXXX XXXX XXXX XXXX {$2500.00} not mine XXXX XXXX XXXX XXXX XXXX {$230.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2022-04-08
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. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX Balance {$410.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  / XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX Balance : {$290.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient : My 'Original Balance ' date shows on Navient 's site as XX/XX/2003 with a total balance then for two Direct Fed loans of {$71000.00}. Since then I've obtained one or more deferments but the navient site provides little to no info about what interest they charged me during those periods. It's Loan Balance section also does not show 'loan balance ' numbers after each payment is applied. Navient 's records show I've paid a total of approximately {$14000.00} toward my loan account since I've been serviced by Navient, but only about {$2400.00} of that has been applied to Principle while about {$11000.00} has been applied to Interest. I have also been making overpayments monthly for some time now and Navient appears to be applying overpayments also to Interest rather than to Principle. Its site shows my original balance with them was, as noted above, {$71000.00}, but that my current balance is today at {$70000.00}, after all these years and all payments made!!! My balance seems to be going up rather than down, and the interest charged in forebearance/deferments must have impacted this but I can't tell. How could I possibly have paid {$14000.00} or more toward the loans and only have a loan reduction net of only {$370.00} ( $ XXXX $ XXXX {$370.00} ) with a 4.750 fixed interest rate??? I can't keep affording payments toward loan balances that never go down and my payment plan is one set to actually be substantially INcreasing as years pass, not decreasing. If I stop paying, though, I will be penalized even further. 
Help! Thank you! XXXX XXXX XXXX XXXX , Colorado , age XXXX
Consumer complaint received 2020-03-27
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: EQUIFAX, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX As required by FACTA and in support of my request, I am including a copy of my AFFIDAVIT And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX As required by FACTA and in support of my request, I am including a copy of my AFFIDAVIT And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (VT)

Experian is VERY difficult to deal with. The temporary unfreeze option at https : //www.experian.com/XXXX DO NOT WORK. I was forced to go through Experian XXXX in order to unlock it. But once I unlocked it, it's requiring me to pay money to lock it again. 

I have tried calling them at their listed #, XXXX, but no matter what options I choose, I can not get to a human being and the system hangs up on me. It's very frustrating. 

Experian is holding me hostage, trying to make me pay to freeze my report again.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

Back in XX/XX/2019 I was preapproved for a Victorias Secret credit card I applied and then I received a letter in the mail saying my application was denied because my information didnt match what they had on file so I left it alone but then they started sending me bank statements in the mail and I dont see why if they denied my application, also I purchased items but never received them I also did a dispute with them about that but still havent heard anything
Consumer complaint received 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CIT BANK, NATIONAL ASSOCIATION (OH)

I recently responded to a advertisement for financing for a used commercial truck from XXXX XXXX sales in XXXX, OH. The advertised financing offer was as low as 5.99 % APR. The requirements listed was a FICO score of at least 720 and at least 2 years in business. I met and exceeded the requirement for the loan and yet was denied. My FICO score is above XXXX. I have no adverse credit issues on my credit report. I own my own home. I have been in business nearly 5 years. I have more than 3 or 4 times the required down payment. And I have t least 3 tradelines associated with my business. All in excellent standing. I feel that discriminatory business practices have been used against me and my company
Consumer complaint received 2022-10-08
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: Paypal Holdings, Inc (CA)

I went to purchase a music box on a website XXXX XXXX XXXXXXXX for XXXX dollars ; I was going to use my credit card but when I went to check out the page automatically went to Paypal and then quickly went back to the website XXXX  and it showed that the item was paid for by my Paypal, which I did not want to use, nor intended to use but it all happened so fast and now in hindsight, I think what happened that this site has a script on it or something that checks quickly if the person has Paypal and since I did and my password for Paypal site is saved the purchase went thru. When I did not receive an email from the merchant like the way every purchase you make online does and along with the weird check-out episode I got very suspicious so I contacted Paypal right away within 5 minutes of the transaction and Paypal said I needed to take it up with my bank [ my Paypal card is backed by my bank checking account ] I said why and they told me the purchase went through with Paypal and told me I made a transaction by " sending money to family and friends '' and they don't offer protection for transactions of sending money to family and friends. I tried to tell them I did not send money to family and friends but instead purchased a music box on this website XXXX XXXX XXXXXXXX and was going to use my credit card but it automatically went through Paypal, which was weird in itself and so I contacted my bank to stop payment but they told me I had to wait for the transaction to clear ; I said I don't want it to clear because if it is fraudulent it will be just giving a criminal my money but they said that is their policy for it to clear first [ which I think should be a crime in itself ] so after it cleared they said they would file a dispute and after 60 days they denied my dispute because Paypal told them that the transaction was " sending money to family and friends '' and they don't offer any protection for this type of transaction. I asked them why would I " send money to family or friends '' when I am purchasing a music box on a website. Neither my bank nor Paypal would help me and I and out the XXXX XXXX and never received the music box..This complaint is against XXXX and Paypal . I filed a complaint to the hosting company that hosts XXXX XXXX XXXX which is XXXX. all they did was remove the website. I did some investigation and the person that had this site also had about 10 other sites with some of them still up and running. I just want my XXXX dollars back.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (IL)

XX/XX/XXXX ' a collection was assigned to a charged off amount that was " owed ''. 
This account was a joint-account with a former roommate. The amount initially agreed to was approximately $ XXXX dollars - half of the amount, since this was a joint account. No direct-communication was made after XX/XX/XXXX. 

In the most recent credit report from XXXX, it now states a balance of {$1300.00} -- and that 49 % paid off. In which both entries are 1. ) inaccurate 2. ) Completely false.

A screen shot of email dialogue between the original furnisher : XXXX and or " internal '' collections of original debt -- states an actual amount due ; approximately $ XXXX {$590.00}. 
The email was uncovered, A screenshot was taken, the black and white pdf was uploaded onto the credit agency 's website. 

In XXXX of XXXX, a follow-up call was made to XXXX 's customer service. A new dispute was filed regarding the inaccurate amount, the agent documented and- retrieved the uploaded document. The collection item, was promptly updated -- within 24-36 hours with the revised amount. 

XXXX month later, the item resurfaced -- I was never notified of the action taking place on my account. No letter was ever sent to my address; indicating the updates, and or the actions that took place with the customer service agent. 

It has now been approximately five years since the item was sent to the collection agency ; IQDATA. Origins of the debt is furnished in a state I no longer reside in. 

I never signed any agreements, or made direct contact -- aside from disputes through the credit agency 's, for the inaccurate amount that is due.
Consumer complaint received 2022-04-08
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MO)

I purchased a mattress through Acima credit. I was supposed to receive an early buy out in 3 months. The company never contacted me though mail, phone, or email. I called the company today to see what was going on. They said they had sent emails and they had all " bounced back '' even though the email on file was correct. I never received a copy of my contract or even an account number. My financed amount was {$350.00} and now my account is over {$400.00}! I have made every payment though the auto draft through my bank account but they will not offer me the original buy out even though I never received any information on it. They were clearly negligent. They even admitted that they never tried to reach out to me. This credit company seems like a scam to me! They told me their hands were tied and refused to make the original buy out deal with me even though there is clearly an issue on their end with correspondence.
Consumer complaint received 2022-09-11
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-04-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (NY)

I have sent these companies two rescission documents, with all proof of the fraud in the contract they mislead and coerced me into endorsing. XXXX XXXX XXXX and Ally financial never received nor have I ever signed power of attorney over to them. XXXX XXXX XXXX committed fraud by registering my car without my permission. XXXX XXXX and Ally never provided me with the right to rescind documents which is against the law and a violation of my rights as a consumer. I have provided all necessary documents in attachments below.
Consumer complaint received 2020-11-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (CA)

Turned in my XXXX XXXX during XXXX on XX/XX/2020 per the appointment for inspection audit gave me while lease was ending on the following month ( XX/XX/2020 ). Did not want to lease another car but XXXX XXXX XXXX dealer said they will pay the last month lease of {$340.00} if I lease a new car with them which I did. They never paid the last month fee. I called Audi XXXX XXXX, Audi Financial and Audi XXXX group and still paid the balance out of pocket. As result I paid for two cars for the month of XX/XX/2020 as the sales person did not honor what they have promised us and I did not want my credit to be effected.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (KY)

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

Here are the list of fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-08
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {XXXX} XXXX XXXX XXXX XX/XX/XXXX {XXXX}
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: American Student Assistance (VA)

I have a loan with AM STD ASST, XXXX, and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, AM STD ASST, XXXX, and XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-10-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX  and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One and Kohls unilaterally sent me an unsolicited kohls XXXX card, with a new account number and a new card, mailed to me in early XXXX. I did not ask Kohls or Capital One for a separate XXXX card. In fact, because of this unwanted change, without any contact with me whatsoever until after the fact, i closed my original kohls account on XX/XX/year>. I still received this new kohls visa card around XX/XX/year>, despite my XXXX phone conversations with both capital one and kohls telling them i dont want it. Now tthat i have this new card and new account number, they both say they still can not cancel this unwanted account. To be clear : I do not want this egregiously high interest credit card that I DID NOT APPLY FOR AND DID NOT ASK FOR AND ACTUALLY TRIED TO STOP IT FROM BEING ISSUED ; I want this account cancelled, not closed, because i never requested or opened it ; and i want to avoid any negative impact on my credit reports and scores. Also, i need a written assurance from the guilty parties, kohls and capital one, that there was no reporting of any open/closed account notices or any other negative reports will be sent to any credit reporting agency regarding this bait and switch tactic that seems like a really unsavory business practice. Thanks for your help.