davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MD)

I made a call to Navient on Monday XX/XX/2020 at XXXX in regards to my student loan. When I spoke to the representative she looked over my account and we proceeded to do the forbearance. She asked me what day I would like to setup the payment. And no point in time during that conversation that she stayed if the payment was after the eighth that it would be late reporting. On XX/XX/XXXX, I spoke to another customer service representative from Navient. He stated that that particular representative did not give me complete information and should have disclose that my due date was the eighth and that if the payment was after that particular day it would have been reported as late. He also submitted a complaint to the supervisor due to the previous representative failure to disclose complete and accurate information. As a result my payment was reported as late which has stopped me from purchasing a home and jeopardized my background check as a federal employee. 


I also made the payment on the 23rd and was told that it went through third and still received an email stating I had a payment due on XX/XX/XXXX. And at the bottom of the email it states that 1The payment amount ( s ) listed above reflects the amount due as of the date of this email. Please log in to your account at Navient.com to view your minimum payment due. I would hope that the forbearance will be processed in a timely manner, so that I do not have another late reporting.
Consumer complaint received 2020-01-24
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: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING LLC is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for MIDLAND FUNDING LLC to DELETE from my credit reports or i will sue both MIDLAND FUNDING LLC and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing
Consumer complaint received 2023-03-01
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: Nelnet, Inc. (AL)

I, XXXX XXXX XXXX, am acting on my own behalf and HAVE NOT used a third party for this dispute. This dispute was not filed in error. Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPT OF EDUCATIONXXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPT OF EDUCATIONXXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Credit Services Inc. (LA)

I spoke to the original creditor to verify debt, nothing could be verified. They have now sent it to collections. The collection company has been harassing me but will not provide proof of debt or the purchase agreement stating they owe the alleged debt.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Cascade CISS Holdings, LLC (MS)

This is my another refilling of complaint to XACTUS LL for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

XXXX XXXX IC System Inc -- I cancelled an account with XXXX and returned their equipment. They continued to bill me even though I did not receive service. I had been on autopay my entire time using their service. So had never been late with a payment. When I called them to notify them they had billed me for service I did not receive and equipment I had returned, they assured me it would be taken care of and removed from my account. XXXX XXXX confirmed they were removing the charges. Not only did they not remove the amount they said I owed, they sent it to collections. It has killed my excellent credit when I'm trying to get a mortgage. I have written to them every year and written to the credit reporting agencies. I have excellent credit, have never been late with a bill or payment and this has destroyed me. Do not believe anything the XXXX representatives tell you on the phone. They will tell you whatever you want to hear so you dont cancel your service. 
But they will not fix it or back you up when they make an error. My nearly perfect credit score of XXXX did not include any negative items, and 0 late payments.
Consumer complaint received 2020-01-24
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. (NV)

To whom it may concern, On XX/XX/2020 I was notified of an account being reported to my credit file ( s ) as a collection. The invalid an inaccurate account and creditor is " XXXX XXXX XXXX ''.

To begin, I've never heard of or have ever done ANY business with this company in my life, I have absolutely no idea who they are. After doing some research I found out that they are a scam collection company who buys so called debts and they have a high reputation of illegally placing collections on consumers credit files. Secondly I'd like to be clear that I have never signed a contract, given any personal information ( ex : Social Security Number ) in regards to applying for credit/credit check nor even given consent to this company in any form to use any information they have ( which can't be much being I've never done business with this company ) to even be able to place anything on my credit file ( s ). Thirdly please be fully aware that this company has now violated sections 609, 617 and 619 of the FCRA in the matter of their blatant disregard of giving valid proof of the validity of this account with their company! I have no signed contractual agreement with this company who please be advised is a 3rd party collection company and again I've never done business with them in any form or fashion. This is an unlawful act and I plan on seeking a lawsuit if this erroneous item is not removed from my credit file ( s ). Also I've never received anything from this company stating where this supposed debt even came from. I'm also now asking the company to give valid proof if they believe this debt to be mine, meaning a physical wet signature contractual agreement between myself and XXXX XXXX XXXX within 5 days. A digital signature and other forms of trying to prove this account to be mine will not suffice due to the nature of this collection and me never working with or doing business with this company. If not given that proves the invalidity of this fraudulent account on my file and by FCRA law needs to be removed within 30 days.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I had a checking account with Wells Fargo bank and tried to deposit a check into my account in person in their only branch in XXXX, NV when I was traveling through town with my RV on Tuesday, XX/XX/year> mid-day. I tried to deposit a check in the amount of around {$140.00} written by XXXX XXXX XXXX ( XXXX XXXX XXXX ) for a refund on some of their services. They refused my deposit despite me having 3 form of picture ID on me ( DL, US passport, another country 's passport ), and additional forms of ID including SSN card, plus various bank cards in my name. I was harassed, verbally abused and threatened, accused of being a fraud, clearly because of my ethnic origin and being an XXXX. Bank employees literally laughed in my face as they refused service. Was refused a deposit and threatened with police. I was asked to state my SSN information verbally with numerous people present in the branch where everyone could hear me, to " prove who I were '', which I of course refused for privacy reasons. I was illegally discriminated against, harassed and refused service. Also them refusing me a deposit caused hateful unhinged bigot who was behind me to threaten me and yell at me, and me having to stand my ground against him, he later followed my RV through town yelling threats and showing me a fist and a middle finger, which could have lead to injury or death, which Wells Fargo would have been liable for. I had already reported this incident to Wells Fargo and had closed my account with them, however there's no indication that this vile criminal organization that abuses and defrauds customers would do anything to address this ( the complaint line had put me on forever hold, which was later disconnected and I haven't heard from them again ). In addition I suffered health damages from this incident of illegal discrimination, threats and denial of service. My associated bank card number was XXXX ( now closed )
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I have not heard from BoA even though I was promised a response over a month ago. 

I have filed complaints with CFPB and still have not heard from BofA. See complaints below. 

XXXX XXXX XXXX Conventional home mortgage Trouble during payment process Bank of America XX/XX/2020 XXXX XXXX XXXX Conventional home mortgage Trouble during payment process BANK OF AMERICA HOME LOAN XX/XX/2020 Personnel at BoA have repeatedly promised me responses including the staff named in my previous complaint. I have not heard one peep from them -- either by email, mail, or phone.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (MA)

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (MA)

I was shocked and puzzled that when I reviewed my credit report today and found late payment on XX/XX/XXXX for 30 days. How? I am not sure how this happened, and I believe this is an internal error with XXXX and Credit reporting agencies. First of all, I'm not liable for this mortgage loan account because that was for my ex-husband and I haven't paid on that account for like 3-4 years. That account belongs to my ex-husband XXXX XXXX. And actually he refinanced the loan on XX/XX/XXXX and paid off the entire loan and my name was legally removed. Please delete this immediately from my credit report.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I overpaid my Bank of America Visa in XXXX and they issued me a refund for {$84.00} in XX/XX/XXXX. I never cashed the check and called them on XXXX  asked them to void the check and apply it as a statement credit. During the first call, they told me it could take up to 10 business days. I called back on XX/XX/XXXX and it was not applied yet and they told me it would be done by XX/XX/XXXX. I called back on XXXX  and was initially told it could take up to two billing cycles. When I asked for a supervisor, they revised their story and I was told it could take up to 14 business days and to call back on XXXX 

There is no reason for this process to take so long when the check is drawn on their own account and simply needs to be applied back to my credit card. In the interim, they are continuing to charge me interest on my balance the longer it takes to issue the credit.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

This is an addition to my copmlaint # XXXX filed earlier today. While in the branch, I had offered to show them multiple pictures IDs that had I had on me ( 3 of them ), plus additional non-picture IDs, but they refused to even see them, this had been recorded on my phone, before refusing deposit and service, while these hateful, criminal employees twice younger than me kept laughing in my face.
Consumer complaint received 2020-05-19
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. (CA)

Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account been paid. No payment has ever been missed and therefore no lates should be reporting. I was not aware there were any lates reporting until I obtained a most recent copy of my credit report. I contacted XXXX XXXX and spoke with the billing department and they stated to me that they did not show any late payments and/or missed payment in their accounting system. I have attached a copy of my payment history as proof that this account has in fact been paid. The lates being reported are in error and need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-02-28
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XX/XX/2019 portfolio recovery associates , llc starting to report a derogatory collection tradeline to my credit report which has to be In result of identity theft this account reporting on my credit report has absolutely tarnished my more then perfect XXXX XXXX as long as my overall report they have been reporting a past due balance on a month to month basis which is not supposed to be done I am demanding for the collection tradeline to be deleted from my credit report on all credit Bureaus, I am urging for this collection tradeline account to be permanently removed from my credit report within the next 30 days I will be attaching supporting documents in order to show how its reporting to my credit report and how awful it is affecting my XXXX XXXX and overall credit report.
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (KY)

XX/XX/2023 I had a mobile check deposit for XXXX that was obtained by a personal loan. The next day I was no longer able to access my online account or use my debit card. After I contacted the bank they stated they had put my account on hold to ensure the check had cleared. The check has cleared but the bank has closed my account and refuses to fund me my money and claims they are sending the money back to the lender. I just want to obtain my money, I am a single mother and need the funds.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Oportun/webbank XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX Subject : Dispute of Charged-Off XXXX Dear, oportun/webbank and the cfpb I am writing to formally dispute the charged-off account referenced above. I have noticed that this account was charged off on XXXX XXXX XXXXXXXX, and I have not received a Form 1099-C for the discharged debt. 
It is my understanding that, when a debt is charged off and claimed as a loss, the creditor is required to provide a Form 1099-C to the debtor for tax reporting purposes. The absence of this form raises concerns about the accuracy of the reporting of this account and the tax implications related to it.

To resolve this matter, I kindly request the following : Verification of the debt, including details of the original agreement.

A copy of the payment history associated with this account.

An explanation as to why a 1099-C form has not been issued for this charged-off debt.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies in my credit report. Please investigate this matter and respond in writing within 30 days. If you can not verify this debt or provide the necessary documentation, I request that you remove this account from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is listed on each of my reports as a collection/chargeoff. I immediately disputed thisinformation with XXXX, XXXX and TransUnion and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX did not respond to demand letter FCRA 623 ( b ) for violations of the FCRA and did not remove the adverse account from my report.
Consumer complaint received 2023-02-27
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. (WA)

XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.
Consumer complaint received 2022-07-07
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. (MI)

In accordance with The Fair Credit Reporting Act XXXX XXXX  account number XXXX and XXXX XXXX XXXX  account number XXXX has violated my rights 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instruction