davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (FL)

I was victim of an identity theft back in 2019 irecieved many collection letter including the Ginnys acct XXXX, XXXX  them I filled all the affidavit forms and sent I different crditos but Ginnys is still showing on my credit report, please do fix the problem as I am aplying for a very important credit and this is affecting my score
Consumer complaint received 2023-02-09
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. (NC)

On XX/XX/21 I sent a dispute letter to Experian. The bureau did not investigate my dispute but instead sent me a system generated email refusing my FCRA rignt to have questionable items investigated properly for accuracy. Furthermore the credit bureau has no right to refuse my investigation request on the unsubstantiated claim of using a credit repair company, also there is no law that states a consumer may not use a 3rd party nor is there a law that states I must notify the bureau of me utilizing such services as that is my right to privacy and my right as a consumer. Promptly investigate all accounts listed on letter. Please be advised you no longer have another 30 days since you failed to investigate my original request.
Consumer complaint received 2020-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Loancare has No help in place for their customers during this Covid 19 times they advertise on their front page thers help but all there is a Forebearance which demands full payment of owed amount after the period of forbearance which is NO help if one isn't working because of mandortary shut down by the state and government and we dont have an income how will we be able to pay back XXXX XXXX in 3-6 months most other banks is offering Deferment which is helpful and makes sense. 
SOMEONE PLEASE HELP I DONT WANT TO LOSE MY HOME due to this epidemic I been through it ALREADY IN 2008 I have called them and to no avail
Consumer complaint received 2023-02-09
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. (TX)

Since I obtained the Bread Cashback American Express Card by Comenity Capital Bank, I have not been able to access my account online to view transactions or make a payment. I got the card around or I first used the card around XX/XX/XXXX. Around XXXX I tried to create an account online to make a payment, but each time I tried the system denied my input and the following statement is given each time I try : " The information you entered does not match our records. Please confirm your information is accurate and try again. '' Each time this happens I call customer service. Sometimes customer service can not access my account or say there is little they can do to help and they open a ticket for another entity to try to fix the problem. Each time I call customer service enters a note to my account regarding the problem. According to customer service during the summer of XXXX there was a software update which affected several accounts and apparently my account was affected by this update. Late XX/XX/XXXX I was finally able to make a payment through the automated phone service. I in-turn call customer service for them to remove and credit my account for any late fee, financial charges, etc. which they did do. On XX/XX/XXXX I tried to make a payment, but the system did not recognize my account so I called customer service, but they did not see my account by the account number. They were able to see the account by my phone number, but were not able to access the account. Once again I am not able to make a payment. My biggest fear is that negative information get reported to the credit bureau and it impact my credit history and score.
Consumer complaint received 2023-02-09
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 have a loan with XXXX XXXX, XXXX XXXX, and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2023-02-09
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX I paid XXXX to a company who claimed that they will work on XXXX on my website. After I paid them, they told me that I have to pay an extra XXXX which I did pay on XX/XX/XXXX. They told me this process would take time so I waited and nothing happened the company. If you can call them a company based out of XXXX did not do anything as a matter of fact, they added XXXX generated blogs in total of XXXX to my website and claimed that this was the work. I told him that this is definitely not what XXXX AND THAT I BELIEVE I DESERVE A REFUND. THEY TOLD ME THAT THEY WILL NOT GIVE A REFUND BECAUSE THEY DID THE WORK, BUT THE WORK WAS ONLY XXXX BLOGS MADE FROM XXXX WHICH DID NOTHING TO HELP MY WEBSITE BUT ONLY COST ME OVER {$2600.00}. I contacted PayPal credit which is managed by a company called synchrony about this and I filed a dispute because I did not get the service that I paid for. PayPal credit i.e. synchrony only filed a dispute, which was a terrible process with them. They dont have a good process to file a dispute but the company or the merchant we can call them said that they did the work in full work meaning the XXXX blogs that they did. PayPal credit i.e. synchrony went with this and that I do not deserve a refund because they did the work. I have provided evidence to PayPal, but they did not care. They made the process difficult by not allowing us to contact them directly, and The only send us to a third-party customer support which does not help at all. The people can not even do anything. The only thing they can do is file a dispute I believe, PayPal credit i.e. synchrony should be held accountable and should be sued for them, allowing scammers to be on the website processing payments and not honoring disputes despite the evidence.
Consumer complaint received 2021-03-04
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. (CA)

I have three XXXX unsubsidized loans and one consolidation for loans taken out before 2010 for a XXXX  program, which I completed and have been paying back without a problem. I moved AND the pandemic hit at the same time, making my work unstable at best. I understand President Biden signed an executive order of forebearance on Federal student loans with XXXX interest, which applies to my XXXX loans. Somewhere along the way, apparently, my loans were sold (? ) to Navient, who says they do not need to comply with this order. 

I did not agree to have my loans administered by a non-federal group. And I will complain to the highest levels to make this right. I deserve to have my loans treated as any other Federal Student Loans. 

Frankly I also believe how interest is accrued is also VERY UNFAIR to the student.
Consumer complaint received 2020-06-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Due to XXXX XXXX, my business and income took a drastic casualty. We were unable to pay on personal loans for the past three months. Because of this, we made the efforts to contact each of our lenders to arrange payments. Each of the lenders enrolled us into their programs to delay payments and reporting. 

However, two credit card companies have still reported missing payments. I followed up with each of the lenders, but they simply reply saying " Any credit issues should be dealt with by the credit bureaus. '' Both companies have acknowledged that their records show I am enrolled in the programs. 

The credit card companies are Capital One and XXXX. 

It is my honest assumptions that this is a system glitch. However, there could very well be something on my part that I did not do, primarily due to ignorance. This has never happened to me before! 

As my records will show, prior to COVID 19 I only had one missed payment in the last 9 years, which was my first credit card ever. 

It is my great hope and desire that my credit history and your grace will stand in the gap for me in this instance, because I am not sure what else to do. The past 4 years of my life I have maintained above a 680 credit score. In the last thee months it has dropped to almost a 500. 

In my best efforts to fix this matter, I have also taken the measure of seeking help to restore my credit. And growing in my education as much as possible.
Consumer complaint received 2021-04-12
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. (GA)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX : Opened a Citibank account after seeing a poster that said I would receive a XXXX  {$200.00} XXXX cash bonus after depositing at least XXXX {$5000.00} XXXX  of new-to-Citibank money into a new Checking account within 30 days of account opening, and the balance must be maintained for 60 days. The bonus will then post within 90 days if the account is in good standing. 

XX/XX/XXXX : XXXX XXXX {$100.00} XXXX cash into my new Citi XXXX account due to the required opening deposit at the branch. XX/XX/XXXX : Initiated transfer of { {$4900.00} } into my new Citi Checking account and e-mailed banker to activate the promotion in my account XX/XX/XXXX : Deposit of XXXX {$4900.00} XXXX  via ACH from XXXX Bank posts into my new Citi Checking account : Account balance in Citi Checking : XXXX {$5000.00} XXXX On XX/XX/XXXX, I e-mailed my personal banker at Citi to see why the bonus had not been received. On XXXX, I received a return call from my personal banker saying that my account was ineligible for the bonus since the {$100.00} cash from my opening deposit does not count as new-to-Citibank money, and only ACH, wire transfers, and checks from other financial institutions count as such money. I visited another branch and was told that they could not see any promotion on my account, and thus they could not find the promotion code to open a dispute for the promotion. I was never made aware of this unusual definition of new-to-Citibank money, and the cash came from my pocket and was not previously deposited in Citibank, and therefore it should be new-to-Citibank money. They falsely advertised their promotion by failing to clearly disclose the terms of the promotion, and my account is 100 % eligible for the XXXX {$200.00} XXXX bonus. I am attaching : -E-mail 1 I  received on XX/XX/XXXX showing that I am signed up for the offer by my banker -Screenshot 1 Terms of identical offer at the current time -PDF 1 Account statement for first month I appreciate your help in advance, thank you.
Consumer complaint received 2023-02-09
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. (MD)

I am an active participant in the XXXX  XXXX program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer XXXX XXXX reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.
Consumer complaint received 2020-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

My consumer rights have been violated by Fidelity Creditor Services. On XXXX XXXX, XXXX XXXX, XX/XX/2020 and XX/XX/2020, I submitted disputes to XXXX  disputing the account with Fidelity and the continue to report the fradulent account on my credit report. 
On XXXX XXXX, I submitted a dispute letter to XXXX  regarding the account with Fidelity, I never recieved a response. 
On XXXX XXXX, I mailed a 30 day to comply to XXXX, I did not receive a response from them. After mailing the 30 day to comply I filed a complaint with CFPB against Fidelity, as of today they never responded to the complaint. 
On XXXX XXXX, I mailed another round of dispute letters to XXXX  again requesting them to investigate the account with Fidelity. I received a redponse thaat the account was validated. 
On XXXX XXXX, i mailed a Validation of Debt letter to Fidelity, asking them to validate the debt they're stating is mine. I never received a response. 
On XXXX XXXX, I recieved dispute results stating that again the account from Fidelity was valid and they were not going to remove it from my credit report. I then clled XXXX  on XXXX XXXX and sopke with a rep named XXXX. I asked the representative how they were validating the information on my account, and he stated that XXXX  does not have to disclose their method of verification to consumers, which I believe is incorrect. 
On XXXX XXXX I filed a report for identity theft with FTC, and mailed the copies to the 3 credit bureaus. I received a dispute result from XXXX  on XXXX XXXX indicating that Fidelity is requesting for me to contact them directly, and the fradulent account remained on my report. 
I called XXXX  and sopke with the supervisor XXXX in the fraud department, and she verified the FTC report that was on file, my identity and I provided her with the police report number that I had. XXXX began another investigation on XXXX XXXX. 
As of today my re-investigation is under investigation.
Consumer complaint received 2019-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (AL)

On or about XX/XX/2019, The Money Source ( TMS ) acquired service of the mortgage on my home. At that time there was an outstanding hail damage ( roofing ) repair to be made, first half of the insurance check to cover repairs had been released by my previous mortgage service provider XXXX. Due to weather and backlog, our roofer did not complete repairs until early XX/XX/2019, at which time my wife began to make attempts to have TMS to begin their procedures to close out this repair and pay the roofer his final check. Following two weeks of attempts, I had to once again give TMS permission to speak with my wife as now they state that I can not give verbal permission over the phone and must do so by mail ( given different stories on how to go about this by each person I spoke with ), anyway after giving what TMS said is last time of verbal permission, their representative told my wife that they do not have the funds from the insurance claim nor have any knowledge of this, as well she was told that we would have to figure out where the funds were. I specifically spoke with an agent from TMS in XXXX concerning this claim and my concerns about this going smoothly, I was assured that after a period of about 30 days funds would be ready for release following inspection of completed repairs. My wife and I have both spoken to an agent from XXXX who states that funds were wired to TMS, however XXXX has yet to provide proof, this has been going on since approximately XXXX XX/XX/2019. Repairs on my roof are very close to 30 days past, at which time the roofer may choose to submit a lien on my mortgage, which will affect my credit. Check amount is $ 4,600+. There is no record available to me anywhere indicating where these funds are, as if they just disappeared. I am beginning to suspect insurance fraud by means of asset diversion. I do not know or have proof of which company ( XXXX or TMS ) has these funds, I do know that my wife and I signed the insurance check and submitted it to XXXX upon recipt from our insurer. As our current mortgage service provider, TMS should be providing assistance with getting this matter settled and to prevent a lien being placed on this property.
Consumer complaint received 2019-07-01
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. (TX)

I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Consumer complaint received 2019-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

On XX/XX/2019 I deposited a check in my account by mistake that I had previously cashed that same day. Prior to that day I had made deposits from XXXX, XXXX and XXXX the previous week. All of my money is being held by Citibank with no resolution or release of my funds because they put a fraud freeze on my account. I explained in detail what he happened to numerous people with Citi and no one can help me. It's been 3 weeks now and they still have my money. I dont know what to  do.
Consumer complaint received 2020-06-23
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant
Consumer complaint received 2023-02-09
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 would like to file a complaint against the XXXX and Experian credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party, not from my own filings or from a court. This bankruptcy has been deleted from my credit reports with XXXX. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency.

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 



Sincerely, XXXX XXXX