davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
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. (CA)

XXXX XXXX is incorrectly reporting a closed account in order to keep the item on my credit report. The credit bureaus have not done their due diligence in obtaining supporting account information to verify that what is being reported is correct and accurate. I have disputed this information with the credit bureaus numerous times, however they continue to report the account as opened in 2019. 

According to law, the information reported by collection agencies must coincide with information from the original creditor. XXXX XXXX is ignoring these requirements, in addition to harassing me by calling me numerous times per day and often several times per hour despite my requests for them to cease. The credit bureaus, Experian and XXXX, are continuing to report this incorrect information and after a dispute, I have been asked to provide documentation. Reporting agencies are required to provide information validating what they are reporting so they are required to provide accurate information and verify the information they are reporting. I would like a copy of the information including the actual date the account was opened and the actual date the account was closed with the original creditor. 

I would like this incorrect information removed from my credit report and I would like XXXX XXXX to cease the harassment.
Consumer complaint received 2022-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

I called Aidvantage on XX/XX/22 to request a refund of {$1900.00}. The refund was for funds that I had paid during the XXXX payment pause. I was told it would be processed and I would receive a refund in XXXX weeks. I called back about XXXX weeks after my request to check the status since I had not received the refund. They said that the time frame had changed to XXXX but my request was approved and I didnt need to worry. Throughout this there was no way to get a tracking number or any confirmation outside of verbal confirmation. When I called back XXXX weeks later XX/XX/22 I was told that it was approved but never processed so the request was not sent to the XXXX XXXX As of the XXXX I was told this has been processed and expedited but since the Treasury is back logged it will still be an additional XXXX weeks. This will leave me without a refund for up to XXXX weeks from the original request all due to them not properly submitting my request. They said there is nothing more they can do. I find them XXXX XXXX  at fault and I am left without money that is rightfully mine
Consumer complaint received 2020-05-14
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc. (CA)

I co-signed a school loan for my niece. My niece consolidated her debts on XX/XX/2020. I received a call from Firstmark Services on XX/XX/2020 at XXXX, notifying me the loan was past due in the amount of {$210.00}. I notified the Firstmark representative that my niece had just consolidated her loans and they should be receiving a correspondence or payment soon from the company. I informed the representative that there was no need to make further calls with the information I provided. 

XX/XX/2020 at XXXX, I received another call from a Firstmark Services representative notifying me my niece loan was past due in the amount of {$210.00}. I informed her that I had already received a call and notified the previous caller that the loan payment was being taken care of by a debt consolidation company. I further informed her that I would consider any further phone calls to be harassment. The representative told me they were not harassing me and had the right to call me until the past due amount was paid. 

I did not answer the following calls. XX/XX/2020, at XXXX, XX/XX/2020, at XXXX and XX/XX/2020, at XXXX. I answered a call on XX/XX/2020, at XXXX, a Firstmark Services representative named XXXX. I asked XXXX if they would know if their company had received any correspondence from the consolidation company notifying XXXX that they would be making payments. XXXX stated they would most likely just make the payments. I asked XXXX if he could see the notes from the previous calls, that I requested the phone calls to stop or I would take legal action for harassment. XXXX said it was in the notes but as long a the account was past due they would continue to call.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

An incorrect delinquent account status was reported to credit agencies and now reported on my credit report. The account is for a student loan where the student is still finishing his last semester and hence, the payments are not due. However, as of XXXX of 2020, WF has been asking for payments!!
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me stress, anxiety, loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress.

I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you.

I am a California Consumer and I will refer you all to the district attorney office.

I have also filed a complaint with the FTC and XXXX.

Removed this off my CREDIT NOW!
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have had a credit card with Best Buy ( Citibank ) for a long time and have used it and paid it back. I had a small balance left from a previous purchase but needed to buy a new refrigerator. I was going to pay cash but the sales associate at the XXXX XXXX, Illinois location kept insisting I pay with my credit card. I told him I had a balance that already had 0 % but he said I could have two simultaneous promotions. He said I could get the refrigerator at 0 % for 12 months so I accepted even though I really just was comfortable paying cash. When I got my first statement, I saw that the refrigerator was no at % interest. I made the payment and tried to call the store but the manager never called me back. Finally he called back after several calls and told me to call Citibank. At this point, another statement generated and it still had interest being charged. I called Citibank and they said they would look into it. I never heard back and got frustrated and paid it off. I understand with COVID, call centers were very delayed but I have been inquiring with store and customer service for months. On XX/XX/XXXX ( after I paid off ), I decided to send a message to them to voice my complaint and request a refund of the interest I paid on the refrigerator. I got a message back a week later apologizing for not " meeting my expectations '' and they appreciate feedback. Here is the exact email they sent me : We received your recent inquiry regarding the account. 


The time you took to let us know that we did not meet your expectations is appreciated. For this, we sincerely apologize and hope that you will continue to make us your choice for quality and value. 

Your business and feedback are very important to us and we will continue to improve our service to you. 

We regret any inconvenience or difficulty this may have caused you. 

Nothing about the fact they lied, ignored my previous calls, or a resolution on refunding me interest. I am so upset that just apologized but did not research the issue or refund me.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (MO)

Charges on my credit card from another distant state including XXXX XXXX, XXXX XXXX XXXX, and foreign charges. 
TD Bank flagged these charges as suspicious and we immediately responded to the text with " FRAUD '' and called TD Bank immediately. TD Bank is forcing us to pay these fraudulent charges. TD BANK appears to be incompetent at processing Fraud. We suspect TD Bank had a data breach that compromised our credit card number. 

Charges {$360.00} - XXXX {$10.00} - Foreign Transaction Fees {$0.00} - XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Back in XXXX & XXXX of XXXX, Capital One Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, XXXX shows account was paid as agreed, no negative information was placed on the two accounts that I had with Capital One, under my XXXX credit report so I am requesting this negative information be removed from XXXX and XXXX as well due to inaccurate information being placed on my credit reports. Late payments being reported to XXXX, but not with XXXX and XXXX.
Consumer complaint received 2020-05-15
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: EQUIFAX, INC. (FL)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I learned that XXXX had greatly downgraded my credit score and requested a report to learn the reason. The report indicated a debt to Capital One. The last bill I received from Capital One ( by email, as was every other prior bill ) was paid in full in XX/XX/2022 ; and I have not received any communication ( email, mail or phone call ) from them since. I called the bank on XX/XX/XXXX and learned that there were charges totaling {$20.00} made in XXXX and XXXX. I am not disputing this, only the interest and late fees which came to {$100.00}. The first person I spoke with at the bank could not explain why I had not received any emailed statements, and said " the system '' could only allow her to waive {$40.00} in fees. I then spoke with a manager who claimed that they did send me emails, but they were " undeliverable. '' At first he would not provide the email they had on file, but then asked me for it. When I provided it, he told me it matched the one on file. I was told that it was my responsibility to check my statements and to ask my email provider why I was not receiving the bank 's emails. When I asked why did they not call me, I was told they have too many customers to follow up on instances like mine. I authorized a payment of {$20.00} from my bank account and requested that my account with Capital One be closed. The manager agreed to do so, but said the bank might continue to bill me.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (NM)

Dear Consumer Financial Credit Protection Bureau ; This is concerning : XXXX XXXX  - XXXX XXXX XXXX., XXXX, Wi. XXXX XXXX Account # XXXX I ordered a robe, when it came in it did not fit. So I packaged it up and returned it. I called XXXX  XXXX they acknowledged they received it. All of a sudden I started receiving so many threatening phone calls, letters I mean 2-3 letters a week, 2-3 threating calls per week. All to receive {$31.00} for shipping? I shipped this product my self. 
I got on XXXX  and filed a dispute they said it was taken off my credit bureau, Yet I'm still receiving threating letters. This is starting to hurt my credit. Yhey are saying I missed 3 payments. This has got to stop! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WV)

On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.
Consumer complaint received 2022-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (WA)

ELAN card services, the servicer of my fidelity rewards visa, continues to decline legitimate transactions. This is apparently due to false positives on their fraud model. I've contacted them multiple times on the past few days, put a travel note on my account and asked to receive fraud notifications. Despite this, they continue to decline transactions without sending me notifications.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I had an address XXXX XXXX XXXX XXXX Florida XXXX and an employer named XXXXXXXX XXXX XXXX that I never lived or worked for someone else has gained access to my credit report back in XX/XX/2022 and it wasn't me the only person I know lives in XXXX is my ex husband and his girlfriend I have been in Georgia for XXXX years
Consumer complaint received 2022-05-01
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: TD BANK US HOLDING COMPANY (WA)

Hello. I Have a XXXX XXXX XXXX card and one of my payment went late because i lost my debit card and i blocked that. Due to that credit card payment didnt went through. As soon as i realize that i pay them straight away but they put missed payment and negative impact on my credit
Consumer complaint received 2021-05-01
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: GLA Collection Company, Inc. (TN)

These accounts were sold. According to my findings, I am no longer liable for the alleged debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Consumer complaint received 2022-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose