davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

XX/XX/year> : I received a {$890.00} Costco annual rewards check from the citi costco card. 
I took the check to the store and they suggested I use the citi costco app and have the money put straight into my account- so I checked the box for this. 
2 weeks later the money had not credited into my citi account and when I looked into it, it explained that the money would go into a linked checking account. I had no account linked, so I connected my checking account on XX/XX/year>. 
The money did not arrive, and when I contacted Citi they told me that I had taken the money into my XXXX account on XX/XX/XXXX. This could not be true, as I did not have an account linked .I complained. 
XX/XX/year> I received a letter stating that the certificate had gone to a bank of my choice. 
XX/XX/year> I called to complain and asked for the case to be resubmitted XX/XX/year> I called and was told that the check may take 2 billing cycles to be reissued XX/XX/year> I called Citi and had a conference call with XXXX XXXX  who confirmed I did not receive the check. 
XX/XX/year> I received a letter stating that my inquiry had been forwarded to the appropriate area. 
XX/XX/year> I called and was told the case was closed so I asked for it to be reopened. 
XX/XX/year> I received a letter saying that the reward certificate had not been incorrectly redeemed. 
XXXX/XXXXXXXX I called and spoke to a supervisor who was very apologetic and stated that my case should be sorted with a reissue of check within 24-48 hours. He confirmed that the date my account was connected to the Citi card was 9 days after the check was redeemed. 
XX/XX/year> I received and email stating that Citi were looking into the case. 
XX/XX/year> I have heard nothing It is apparent to me there was internal fraud. However, the terrible customer service -- each call took about an hour- and the lack of someone to talk to is extremely frustrating. All the promises have come to naught. I still am owed my reward.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NY)

* Inaccuracy of the Debt : I dispute the validity of this debt, as the amount being reported does not accurately reflect my records. 
* Failure to Verify the Debt : Pursuant to the FDCPA, 15 U.S.C. 1692g ( b ), you are required to provide verification of the debt. I have not received proper verification of the debt as required by law.

* Violation of Credit Reporting Laws : Under the FCRA, 15 U.S.C. 1681s-2, you are responsible for ensuring that all information furnished to credit reporting agencies is accurate and complete. The continued reporting of this debt without proper verification or validation violates these requirements.
Consumer complaint received 2018-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tri-State Adjustments, Inc. (WI)

Tri-State adjustments is trying to collect a debt that is past my state statute of limitations so I no longer ordered that plus they are reporting it to the credit bureaus and it is negatively impacting my score. I also believe that there may be more than one account related to a single debt reported to my credit agency which is making my turn off balance of amount of money old go up inaccurately
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (OR)

I currently have XXXX  Loans held by XXXX University and serviced by UAS. For the past three years, UAS has been erroneously reporting a default status to the NSLDS. Upon logging into their website as a borrower, it showed {$0.00} due as a payment and the account as being in repayment and current. They had their website coded on the front end so that I would see the loan as current and zero payments due, while at the same time sending opposite information to the NSLDS on the back-end that the loan was in default. 

In summary, for a period of at least three years, UAS has been providing information to the borrower that stated the loan was in repayment, in good standing, and zero payment was due while at the same time, providing information to the NSLDS that the loan was in default, not in good standing, and past due. These damaging acts committed by UAS were confirmed and acknowledged in writing by XXXX University officials via emails that are attached to this complaint. 

In addition, they have XXXX University listed as the lender. However, XXXX University has stated that they are not the lender but rather, the federal government is the lender, and they are just the servicer. 

Furthermore, during this time, XXXX University and UAS had the option to voluntarily suspend interest and payments for XXXX Loans in alignment with the 0 % interest Covid-19 forbearance offered by the Department of Education . UAS and XXXX University chose not to do this and instead, UAS erroneously reported my loan as defaulted. In fact, as of today, it is still being reported as defaulted to the NSLDS because they have not updated their records yet since they will only do so at month-end.
Consumer complaint received 2022-04-06
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. (PA)

On XXXX I noticed an alert from my Experian app stating that someone applied for a XXXX XXXX XXXX of some sorts under my current profile. I have no knowledge of this application, nor have I applied myself. Please have this removed at once for I am attempting to purchase a home in the next few months, and I need to make sure my credit is at the most upstanding condition. Please let me know in the near future if there is anything I can do to assist in making sure this doesn't occur in the future. Under 15 U.S.C. 1666 a 2 I am informing you of a billing error and would like this to be removed as soon as possible so that i can avoid further damage to my reputation and credit history. Thank you.
Consumer complaint received 2018-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX, Credit Reporting Agency has made it difficult for a consumer to dispute erroneous information on a credit file. I am requesting a reasonable investigation regarding the following information being reported in my credit report/file : ************************XXXX-Credit Report FILE NUMBER # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Acct # XXXX -- Amount Disputed -- XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

2- XXXX - XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX and XXXX  seem to be the same erroneous account being reported TWICE. 

I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

3- XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/2016 XXXX ( Cable/Cellular ) Past Due : > $ XXXX I have no recollection of this alleged acct and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

*******************EXPERIAN CREDIT REPORTING AGENCY I AM DISPUTING THE SAME ( 3 ) ERRONEOUS INFORMATION/ACCOUNTS AS BEING REPORTED BY XXXX AND I AM ATTACHING A COPY OF A RECENT CREDIT FILE WITH THE RELEVANT INFORMATION THAT IS BEING DISPUTED. 

1- XXXX XXXX, XXXX, AND XXXX XXXX XXXXXXXX THAT EXPERIAN IS REPORTING IN MY CREDIT FILE. 
I have no recollection of this alleged accts and I am requesting a complete history of any late fees charged, interest charged, any invoice ( s ), or contract bearing my signature as mandated by the FCRA. 

XXXX CREDIT REPORTING AGENCY I misplaced the recent credit file and the ( 3 ) same erroneous accounts also appear in my XXXX   credit file. If XXXX  can not or chooses not to conduct an investigation of the same ( 3 ) accounts that are being reported by Experian and XXXX, then I request for a copy of my credit file be sent by email to XXXX or by regular USPS to my current mailing address. I attached a copy of my ID and a recent utility bill with the address where I been living for the last ( 4 ) years.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX I purchased a cashiers check at a capital one branch in XXXX XXXX and mailed it using XXXX  overnight and XXXX lost the check. I contacted capital one on XX/XX/XXXX to see what could be done to recover my money since the check was lost and had not been cashed and I was told that before a stop payment could be issued I had a waiting period of 91 days. After the 91 days had passed I called capital one to have the stop payment issued on the check since it was verified as being outstanding ( not cashed ) and It has been nearly two weeks of trying to get them to follow their process to get my money back but it seems that nothing is being done. I have called in 5 times in the last two weeks since no stop payment has been placed, the affadavit I was asked to fill out was never sent to me and I still dont have my money back in my account. I just want my money back. I didn't lose the check and i already had to replace the money that was lost. I feel like this is being done purposefully so they don't have to give me my money back. Maybe they think I will just forget but I need my money and this is ridiculous. I have called in on XX/XX/XXXX, XXXX XXXX and XXXX only to be given the runaround. Something needs to be done.
Consumer complaint received 2018-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I asked XXXX, XXXX  and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, Transunion and XXXX  did not. I sent a copy of the XXXX  report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to Transunion and XXXX  the BK Court in XXXX verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't Transunion and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There was 3 times where someone tried opening a credit card with my credentials. The accounts include XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXXXXXX on XX/XX/XXXX, and XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I notified Transunion about the inaccurate credit report from the hard inquiries from opening but they did absolutely nothing to help me and it ultimately impacted my score negatively. 

Transunion is in violation of 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-12-11
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me.
Consumer complaint received 2024-09-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (CA)

My student loans were taken out in the XXXX and XXXX and I am a victim of predatory lending practices by the servicer of my original student loans XXXX XXXXXXXX XXXX Who was recently sued by CFPB for millions of dollars for defrauding students like myself. My damages are that when my loans were serviced by XXXX XXXXXXXX XXXX. I was victimized and not told of my options like, because I am a XXXX XXXX XXXX XXXX I was eligible for XXXX loan forgiveness and instead they continued to push me into deferments and forbearances. Please understand that these student loans were taken out in the XXXX and XXXX and I had no smartphone or computer to investigate on my own and do my own research. I only had a phone to speak with the servicers and the representatives on the other end of the phone giving me misinformation. I am a XXXX XXXX XXXX XXXX in title 1 under served areas and have been for 26.5 years. I took these student loans out in my XXXX XXXX XXXX XXXX and I am now XXXX. The loans now are a whopping XXXX due to having predatory servicers! I want this money paid back to me! All the interest they accrued which made my loans greatly increase! I want justice given I am providing documentation. I seek damages totally XXXX. I am in default with the federal government because of servicers like XXXX XXXXXXXX XXXX And this is why my student loan debt is now XXXX. Predatory practices!
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (SC)

I am writing to formally lodge a complaint against XXXX XXXX, a collection agency, for violations of consumer protection laws as outlined below. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for your review and appropriate action. 

1. Dispute of Debt Ownership : I dispute owing any and all debts to XXXX XXXX. I request that XXXX XXXX cease all communication with me through email, text messages, and phone calls as of the date of this letter. Please be informed that I am revoking any rights for XXXX, XXXX to contact me using these means. 

2. Debt Validation and Purchase Agreement : I request that XXXX XXXX provide validation of t the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), Additionally, I request a copy of the purchase agreement between XXXX XXXX and the original creditor to verify the legitimacy of their claim. Furthermore, I require proof that XXXX XXXX is duly licensed and bonded to operate as a collection agency. 

3. Violation of Consumer Rights : XXXX XXXX has failed to provide validation information as required by law but has proceeded to report the collection account on my consumer report. This action has deprived me of the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

4. Use of False, Misleading, and Deceptive Means : XXXX XXXX has engaged in false, misleading, misrepresentation, and deceptive practices in their collection attempts, which is a clear violation of consumer rights. 

5. Failure to Provide Required Disclosures : XXXX XXXX has furnished accounts to consumer reporting agencies without providing the necessary disclosures as mandated by law, thus violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S I urge the Consumer Financial Protection Bureau to investigate these violations thoroughly and take appropriate enforcement actions against XXXX XXXX. I also request that any negative reporting related to this disputed debt be removed from my consumer report until a valid verification is provided.
Consumer complaint received 2018-12-11
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: U.S. BANCORP (TX)

I received a Visa Platinum Card in the mail today. I did not apply for the card and there is no indication of an application number. Regardless, I did not apply for or want this or any card from First National Bank. A scan of the letter ( with card ) is attached ( XXXX XXXX - First National Bank.pdf ). It appears that XXXX XXXX XXXX XX/XX/2018 may be the source of the application.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (NC)

I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.
Consumer complaint received 2018-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 for the second time I sent certified mail and requested that any addresses that didn't reflect my current address on my credit report be removed Transunion with a notarized letter. Since then they responded back with the addresses still showing.
Consumer complaint received 2021-05-28
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. (MO)

I have had so many issues with this company, from reporting late payments that were not true to now reporting the incorrect balance and it is keeping g me from a better credit score and also keeping me from applying for new credit. I need for the balance to be corrected and also the late payments to be removed since we were in a pandemic and I tried to make payments but the company is so unprofessional I was unable to pay on time due to unprofessional workers working from home