davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

Dear Sir, or Ma'am, Although the XXXX bank doesn't remind me of any other criminal incidents I've experienced, since opening my account at BankMobileXXXX  through financial aid at my college, I have had consistent problems with it. They ROUTINELY charged me the $ 3 monthly service fee even when I had well over the required {$300.00} ( approx. ) amount in my account, e.g., {$700.00}. 
I think there were other irregularities, too, but, since I'm homeless, and since COVID closed the college campus, I really have lost track of what the bank was or wasn't doing. I complained to them each time at first, then got tired of that, thinking, " well, it's only a few dollars, and I have to get this paper written for [ XXXX, XXXX, XXXX XXXX, etc. ], '' and I didn't follow up on it. I also don't have a phone very often, and when I do, its a XXXX, since you need an address for anything else, and, like I said, I'm homeless. 
Recently, I discovered a XXXX purchase that I didn't make. On XX/XX/22, {$2.00} was deducted from my account. I really doubt that I was there. As soon as I saw it ( on the XXXX or XXXX ), I thought back -- it would have been within the past 3 days -- and was sure that I had not been to XXXX. The last balance I remembered was {$3.00} ( approx. ), and I was saving that for some occasion when I needed to use XXXX ' wi-fi. So, I had been saving it and would have remember spending it, I think. This has happened before with XXXX ( XXXX XXXX, CA, I think ), but I don't remember the dates or amounts. 
This might be two separate issues : the XXXX  ( XXXXXXXX XXXX ), and XXXX. I don't have enough information on XXXX to say how often this has happened, but I think it happened this time, and the other time I mentioned, as I simply don't check my statements that often ( I'm homeless, and secure wi-fi is not that easy to find ).
Consumer complaint received 2022-12-15
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. (FL)

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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TN)

XXXX XXXX credit cards were acquired by Barclays. I received a letter in the mail stating that my account would be switched over to Barclays and we would get a new card in the mail. I opened my XXXX XXXX Credit Card in XXXX of 2019 with my married name, XXXX XXXX. 
When I received my new Barclays statement my maiden name showed on my account XXXX XXXX but my card came a few days later and it was correct with my married name. 
I called into Barclays and they informed me that their computers were not working and they couldnt help me. I called back 2 days later and the rep refused to help me or make a change. His manager told me I would have to mail in a copy of my marriage license with a note for them to update my account. 
I mailed the copy of my marriage license with the note but today received a letter from them stating that they were unable to fulfill my request because the information was incomplete or illegal. 

This makes NO sense. I sent appropriate documentation as directed and they are refusing to correct THEIR mistake. My information was correct with my previous XXXX XXXX  account and they have my name correct on my account. 

They need to correct this mistake now.
Consumer complaint received 2021-07-28
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. (IL)

I have been a victim of identity theft. I recently reviewed my credit report to find request for my credit that I did not do. I am not sure who the person is & how they got my information but this is all Fraudulent request.
Consumer complaint received 2022-09-28
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. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX  with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.
Consumer complaint received 2022-09-28
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. (FL)

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX with a reported balance of {$300.00} be removed from my credit report as at the time, I was a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder who may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Consumer complaint received 2022-09-28
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

In XXXX, I had payments on the first XXXX loan sequenced start and was not contacted by phone, email, or mail to confirm that they started. For 10 months, they were reported as delinquent but I started paying the {$190.00} XX/XX/XXXX. 

As you know, the CARES Act put all Federal Student loans in Forbearance. Fed Loan Servicing had put all my current and DELINQUENT loans into the forbearance. I have made pyments of {$190.00} throughout the forbearance period because the service provider told me and my legal representative that all my payments will go to principle on a recorded line. My interest has been capitalized even though the cares act pushes back capitalization of student loans to XXXX. 

My principal balances are way higher than they would be if I did not pay the {$190.00} towards the account. Because of this incident I was unable to get mortgage approvals and take advantage of the low interest rates that XXXX brought. I was seriously impacted by this situation and have been trying for over a year to figure out what is going on. The interest I was legally able to write off on my tax return was only {$800.00} so where did the rest of my payments go? 

Fed Loan Servicing does NOT service my loans anymore. As soon as the payments were scheduled to start, XXXX XXXX took over and started calling me to confirm balances? They said they have no information but I have made a payment to FedLoan Ssrvicing that went to nothing. They illegally pulled {$190.00} out of my account and credited no balance. I put my XX/XX/XXXX payment to XXXX but the prior payment to FedLoan Servicing went to nothing just like the past +22 payments made to them. 

I have been going around and around in circles with this. Every time I call FedLoan Servicing, they lie, give wrong balances, tell me my original loan was {$25000.00} when that was never the balance with thw interest.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (GA)

I have made several complaints to Equifax regarding these accounts, and I'mbeyond tired of going back and forth about MY consumer report and the unfair treatment I am receiving. The fraud is real and I will take legal action if my complaints are taken seriously. Equifax, you have 10 days to make this right-DELETE the FRAUDULENT accounts on my consumer report, I never gave you written permission to report these alleged account.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (WA)

I cancelled a recurring payment with XXXX on XX/XX/XXXX and never received a confirmation of cancellation. I reached out to the merchant to confirm that night and they said that they found no record of my account and that it was cancelled. When I tried to search for the transaction the next month on my online credit card statement I didnt find it, but realized much later that I was still being charged with a variation of the name on my credit card. After discovering the charge had continued and given the previous phone attempt had failed to cancel the account, I visited a XXXX retail store in person on XX/XX/XXXX where they confirmed that there had been zero activity for the duration of that time, but they would not or could not correct any charges there or via XXXX customer support. I was told the account was closed and no balance was due. They instead said if I wished to pursue a refund, I needed to dispute the charges directly with my credit card company, which I did. 

I received no further communication from the company or their agents until XX/XX/XXXX, at which point I received a notice labeled as a " Final Bill '' dated XX/XX/XXXX stating I had 10 days to pay the balance owed before the account would be referred to collections. The very next day, I received a collections notice from XXXX  XXXX dated XX/XX/XXXX, indicating the account had already been referred to collections and I didnt have 10 days to pay. XXXX refused to discuss the notice, account, or debt when contacted. XXXX XXXX was notified that the debt was disputed on XX/XX/XXXX. 

Shortly after, I received another notice from XXXX, a different collection agency, stating that my card would be charged again automatically on XX/XX/XXXX, the original amount ( {$180.00} ) plus a series of fees ( {$140.00} ), including a {$35.00} fee on a {$0.00} transaction disputed. It was also disputed immediately via phone, but as with previous contacts, outside of the initial notices, I have received no further communication. 

On XX/XX/XXXX, I received a new notice from a new collection agency Amsher Collections services that {$200.00} was still owed. At which point, I promptly sent them a notice via email that this is disputed and has been disputed previously. 

While this started with a dispute over {$180.00} with XXXX and subsequently with the credit card company over charges for a service that was not provided, those fees are no longer even in dispute as they were not refunded to me. Yet I have still been contacted by collections agencies over the course of a year for amounts above and beyond the original amount.
Consumer complaint received 2020-08-26
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. (TX)

Transunion has continued to report an account on my credit report after I have disputed it numerous times. I have written them to let them know that tin addition to the reporting debt being inaccurate, the company in question, XXXX XXXX XXXX is NOT licensed to collect the debt in my state.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-13
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 an account without my written instructions
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

I contacted Professional Debt of XXXX XXXX XXXX, FL 2, XXXX, FL XXXX ( which is the address listed on my credit report ) on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them. They reported on my credit report as I had an account in collections with them in the amount of {$5900.00}. I also informed Professional Debt that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character. I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent. In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), and 15 USC 1692f ( 8 ). They do owe me financial compensation for each violation. {$1000.00} per violation in fact pursuant to 15 USC 1692k under the FDCPA. 

I appreciate the CFPB 's assistance in the matter. 

Best,
Consumer complaint received 2024-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have tried to reach out and take care of this matter and yet it still remains on my credit report. This company ( CAPITAL ONE BANK, XXXX  XXXX  ) whom, I have never done business with does not have a written contract for me. And I need this removed as soon as possible.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, This account XXXX is reporting different information on my credit reports. 
This account is unknown collection. 
Please furnish the following 1. The accounting history, detailing past due amounts, amounts owed etc. 

2. Personal information associated with this account for identity purposes. 

3. Contracts detailing legal authority to accept payments.
Consumer complaint received 2022-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Before I start typing this message, I want to make sure that Navient does not mark this as a duplicate as they did with my last message. ( This is not a duplicate ). 
I contacted Navient through CFPB in XXXX because the student loan # ending in XXXX that Navient claims I have should have been relieved under the attorney generals settlement earlier this year. Navient got back and reported that my cosigners XXXX score was above the threshold of XXXX at the time of origination and thats why the loan can not be relieved. I am requesting Navient to please prove that. I did ask them this in my previous message sent to them through CFPB. They didnt have any answer, so they marked it as a duplicate message.If Navient can not provide me a copy of my XXXX XXXX score showing that my cosigners XXXX score was about XXXX at the time of origination, then they need to relieve my loan and inform all three credit bureaus. I am requesting all three credit bureaus agencies that if Navient can not provide me the proof of that XXXX score from the time they are claiming then it should be removed from my credit history. I will also send a complaint to the Virginia Attorney General 's office regarding this message. I will be waiting for Navient to respond on this matter. ( THIS IS NOT A DUPLICATE ).
Consumer complaint received 2021-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (MD)

1. Correspondence was sent on XX/XX/2021 by consumer and Hartland ECSI had 7 days to respond in which there where no response 2.Hartland ECSI received proper endorsement on statement UCC 3-204 and Hartland has not credit the account nor updated credit report, to bring the balance to XXXX See Attachments
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NY)

I am writing today in regards to my account with XXXX XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021 and XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021 and XX/XX/2021. As soon as I was able to, I got my payment made and caught up.