davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2018-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NY)

Date : Applied for a credit card on XX/XX/XXXX with XXXX XXXX. 

Summary : After application, I did not receive bill by mail or e-mail. Never used the card after receiving the card. Did not receive notice when amount was due. Bank representatives called to warn but refused to send written notice or explain why notices never came. I was clueless about how to make payments. Do not know how to cancel the card. 

Actions : I applied for a XXXX XXXX credit card for an in-store purchase on XX/XX/XXXX. The item purchased was {$27.00}. I left my e-mail account, mail address, and phone number with XXXX XXXX in the application. The card was mailed to my address. However, I never received a physical bill statement or electronic notice. The amount became due on XX/XX/XXXX. I failed to pay because I incorrectly assumed I could not use the card before it was delivered to me and that I had paid for the item with another card. Around XX/XX/XXXX, I received an anonymous phone call regarding late payment. I was worried and promised I would go home and check. After I got home, I realized I did not have a statement to verify the amount and not even the company to which the amount was due. I couldn't call back because the number was anonymous. In XX/XX/XXXX, I received another anonymous phone call. I asked the lady to send me a written notice about the bill and all relevant information. The lady said she did not have my e-mail account. I felt incredulous as I kept getting XXXX XXXX promotion e-mails. I asked why I had never received a mail about the bill. She refused to confirm mail address with me. At some point, I lost connection with caller because I was on subway. Again, I couldn't call back since it was anonymous. I called XXXX XXXX and found out the company was not in charge of credit card services. I searched online and finally found a webpage to " register '' for the card I applied with XXXX XXXX. It was only until then that I learned the real card company -- XX/XX/XXXX. I finished the registration process and paid the full amount on the website. I wondered why the bank could not give me proper notice. My credit score went down. And this is the first time I ever had a late payment in life.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (WI)

On XX/XX/XXXX someone had fraudulently used my American Express CC and charged {$12000.00} in American Express points. I had contacted AE on XX/XX/XXXX and talked with XXXX who had stated the {$12000.00} charge would be credited and the problem would be resolved. On my XX/XX/XXXX statement the {$12000.00} charge was still on my account along with interest charges and fees. On XX/XX/XXXX I talked with XXXX at AE and she said AE would credit my {$12000.00} charge along with interest charges and fees. She stated it would take 30 days. On my XX/XX/XXXX statement the {$12000.00} charge was credited but there were interest and and fees still on the account - American Express never credited the interest and fees from the {$12000.00}. I assumed AE would credit the interest and fees. In XX/XX/XXXX I contacted AE and XXXX stated the interest charges and fees would be credited back and that my statement balance would be XXXX. She stated it would take 24-48 hours to be corrected and I would get an email showing the credits. When nothing happened in 7 days, I called AE again and talked to XXXX who stated the interest and fees would be credited and it would take 7-10 business days. In the meantime I am applying for a conventional mortgage with my husband to purchase a house. I received a call from our bank that American Express has reported me to the credit bureau and that I have bad credit. This has had an influence on my husband and I purchasing a house! I called American Express again and talked to someone who said it was the Fraud departments 's problem to fix, the Fraud department stated it was the Rewards problem to fix. I asked to speak with a supervisor - actually for the last 6 months - and finally someone gave my " case '' to a " Team Leader '' at American Express. The Team Lead called me back and said all of the interest and fees have been reversed and credited and that a letter was sent to the Credit Bureau stating that but that it would take 30 days. I don't have 30 days - for getting my loan I need this resolved ASAP. My latest statement XX/XX/XXXX states I owe {$250.00}. I also received a letter from American Express that they are closing my account. I need a letter for my bank stating the charges were in error and have been reversed - it was not my fault - and that I have good credit!
Consumer complaint received 2024-09-29
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. (MI)

On XX/XX/XXXX, I checked my aidvantage account and saw that all of a sudden my forbearance changed from XXXX XXXX to XX/XX/XXXX. No email, no call, no form of communication was given about this sudden change, and my loans started accruing immediately without notice. I had already planned to pay everything before that time frame, but was forced to do it sooner than later. One can only imagine the amount of frustration my husband and I felt having to take out a large chunk of money in our savings. I spoke with a representative for an hour, and they were also confused why I never received any forewarning about this sudden change. Not only that, but they still havent processed my {$1000.00} payment scheduled for XX/XX/XXXX, yet were able to successfully get the {$10000.00} that we took out from our savings. NOW, I still have interest accruing when I shouldve been done since XX/XX/XXXX.
Consumer complaint received 2018-05-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I CHECKED MY XXXX INFORMATION REQUEST WITH THE SECRETARY OF STATE AND I HAVE NO LIENS PLACED AGAINST MY NAME. I SENT MY IDENTITY THEFT REPORT, PROOF OF IDENTITY, FTC NOTICE TO FURNISHER, AND COPY OF ACCOUNT STATEMENT SHOWING THE FRAUDLUENT ITEMS.NONE OF THE ACCOUNT LISTED BELONGS TO ME.TRANSUNION REPLIED THAT ( LETTER ATTACHED ) " IN ACCORDANCE WITH SECTION 605B AND FCRA THEY HAVE DETERMINED THAT MY REQUEST HAS EITHER A. ) BEEN MADE IN EROR B. ) A MISREPRESENTATION OF MATERIAL FACT RELEVANT TO THE REQUEST TO BLOCK AND OR C. ) I HAVE OBTAINED POSSESSION OF GOODS, SERVICES MONEY AS A RESULT OF THE ISSUE. '' I HAVE ATTACHED A REPORT RECEIVED FROM TRANSUNION WITH VARIATIONS OF NAME LISTED ON MY REPORT AND WOULD LIKE TO KNOW WHICH NAME DID THEY VERIFY THE INFORMATION ON. I ONLY HAVE ONE LEGAL NAME AND PROOF OF IDENTITY WAS ATTACHED WITH MY LETTERS. I ALSO WOULD LIKE TRANSUNION TO SHOW THE CFPB HOW DID THEY VERIFY THESE ACCOUNTS WHICH DETERMINED THEY CAN NOT PROCESS MY REQUEST. I HAVE ALSO SENT THEM A VALIDATION LETTER BY MAIL AGAIN AND TRANSUNION NEEDS TO REPLY AND SHOW THE CFPB WHY THEY DENIED MY REQUEST AND ALSO REPLY SEPARATELY BY MAIL.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Consumer complaint received 2018-05-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (NY)

32 years ago in XX/XX/XXXX I bought a new XXXX and took out a XXXX loan for 36 months. NYS DMV issued a title for the car showing the lien. I paid the loan off in XX/XX/XXXX and received a loan satisfaction letter from XXXX. NYS DMV removed the lien from the title and sent me a new clear title. Sometime in the intervening years I lost the clear title. 

A few months ago I paid NYS DMV to issue a replacement title. When I received the title it listed Ally Financial as a lienholder. Ally Financial has been a successor in interest to XXXX since about XX/XX/XXXX. 

Ally Financial can not locate any documents supporting this lien for this 32 year old car. They can't tell me if someone else fraudulently borrow money on my old car. They can't release the lien. As a result, I can't sell the car to  a junk dealer! 

I have no open accounts with Ally Financial. The only identification number I have is the VIN for the XXXX.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

The referenced collection agency has violated the FCRA and has falsified dates within my my credit file. The collection agency states that the debt is from a XXXX XXXX account in 2015. It is true that I did have an account with XXXX XXXX in 2015 but the account that the collection agency is referring to is not the account that was opened in that year. The account the agency is referring to was opened more than 7 years ago. The date that is in my credit file is not the actual last date of delinquency for a debt owed to XXXX XXXX. The debt collector also has not been able to provide any documentation from XXXX XXXX which is the original creditor they state the debt is owed to from 2015. Instead they are only providing inaccurate falsified paperwork. They contacted me via phone regarding a debt for XXXX XXXX and did not provide any account number or information regarding what account the debt was for. In not providing me with the documentation notifying me of what debt I was paying and to whom the debt collector has violated other laws in the FCRA.
Consumer complaint received 2018-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

We bought our home in XX/XX/XXXX and our first payment was supposed to be due in XX/XX/XXXX.  When the loan was sold to Lakeview Loan Servicing , LLC, we attempted several times to make our XX/XX/XXXX payment. We were told that the payment was moved to XX/XX/XXXX and that no payment was due XX/XX/XXXX. We were hesitant to accept this change as our note stated that the payment was due XX/XX/XXXX. We made calls prior to 5/1 and again on XX/XX/XXXX. All documents received from our new lender, including a mortgage statement dated XX/XX/XXXX, show our payment due date is XX/XX/XXXX. However, on XX/XX/XXXX, my husband received a phone call stating that we were late for our XX/XX/XXXX payment. Apparently this was an error made at some point in purchasing the loan and it was fixed on XX/XX/XXXX. If it was fixed on XX/XX/XXXX, we received nothing in writing regarding this change. Now, 2 weeks after the change, and one week after we are already late, they called demanding payment. We have attempted to request that this mistake be cured and our loan modified but were only told that we need to make 2 mortgage payments within the next 20 days to avoid penalties. My husband spoke with a supervisor yesterday who admitted to having made the mistake and told my husband " it shouldn't be a problem to adjust our payments and add a month to the end of the loan ''. When I spoke to them today, the company was clear in offering no cure to their mistake. The last person I spoke to was XXXX, her ID # XXXX. Any assistance in the matter is appreciated. Thank you
Consumer complaint received 2024-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (NJ)

On XX/XX/year> I checked my credit report and saw a collection account from Professional Debt mediation ( XXXX ) XXXX. I contacted them and informed them that it was not my debt and someone used my name to open the account. I've never lived in Texas, been to Texas or associated with anyone in Texas. The original debt was from XXXX XXXX. The address where my name was used to open a utility account is XXXX XXXX XXXX XXXX TX XXXX. I have no further information about this account.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Navient XX/XX/XXXX compliant is I have previous set up a payment plan with Navient. From XX/XX/XXXX. to XX/XX/XXXX this will end. I have paid on time every month. But they are still continuously calling me daily and even on weekends. They sent me an XXXX letter stating I am default and I need to take action soon. I decided to call them and spoke with a representative, she said the representative who set up my payment plan should have never done that. I was never notified about that issue. All I know is that my payment was being deducted from my account every month. Today I spoke with another representative she set a plan that is suffice. ( Forbearance Plan ). 
I was inconvenience for something that wasn't my fought.
Consumer complaint received 2018-06-20
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. (NY)

Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus Experian, XXXX and XXXX. 

Experian and XXXX have failed or denied all attempts mark debt accurately. 
Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail. 

As of XX/XX/XXXX, Bureaus Experian and XXXX still advertise the debt as outstanding and late.
Consumer complaint received 2018-05-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2014 A BROKER WITH XXXX XXXX XXXX, XXXX XXXX MISUSED FUNDS OF MINE ( SEVERAL ANNUITIES ) ADDING UP TO XXXX DOLLARS WHICH SHE INVESTED WITH XXXX XXXX XXXX.ONE ANNUITY IN THE AMOUNT OF XXXX DOLLARS WAS RETURNED TO XXXX XXXX XXXX BY XXXX.HOWEVER THE REST OF THE MONEY MYSTERIOUSLY DISAPPEARED.MY SIGNATURE WAS EVEN FORGED AT TIMES.WHEN COMPLAINING ABOUT THIS TO XXXX XXXX, CAPITAL ONE RELATIONSHIP BANKER NMLS # XXXX SHE CONFIRMED THAT SOME OF THE MONEY WAS MISSING, AND STATED THAT XXXX XXXX WAS NO LONGER EMPLOYED THERE.THE BANK DENIED ANY WRONG DOING. I WENT TO THE BANK SEVERAL TIMES AND WAS TREATED IN A VERY CONDESCENDING MANNER WHICH MADE ME FEEL LIKE A FOOL.I, CUT ALL TIES WITH XXXX XXXX XXXX AND TRANSFERRED THE REMAINING MONEY TO ANOTHER BANK.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NAVY FEDERAL CREDIT UNION (UT)

I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX  refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX  from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc (PA)

On XX/XX/XXXX I received an adverse action notice that denied my employment with XXXX due to my background check. I have been a XXXX for XXXX since XX/XX/XXXX. At that time my pre employment background check was ran and came back clear. XXXX uses a third party background check company named Checkr. Checkr reported outdated background check information to XXXX on my behalf. My criminal background is from XX/XX/XXXX where XXXX XXXX   requirements states that there must not be any criminal record within the last seven years. I have tried contacting both XXXX and Checkr regarding this issue and both companies keep directing me back to the other. I would like checkr to report my criminal background history per companys policies since they are the background check provider for numerous companies. If my background is from XX/XX/XXXX and the company only requires to go back 7 years checkr shouldnt be reporting information that surpasses the 7 year guidelines especially since checkr gave me a clear background check upon employment with XXXX.
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

I recently discovered that Citi has been charging me a monthly fee for a " Payment Safeguard Protection '' program that I did not enroll in. I contacted the company and they have canceled my enrollment but were unwilling to refund me for the unapproved charges.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I did not authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (NJ)

I have an unauthorized and unrecognized hard inquiry on my XXXX credit report from XXXX XXXX XXXX Again I did not authorize you to pull my credit report. Please investigate and delete this hard inquiry off of all of my credit reports.
Consumer complaint received 2024-09-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/30, I scheduled payment from my TD bank account, XXXX XXXX XXXX to my student loans company, XXXX XXXX XXXX ; my account number is XXXX. However, the transaction was reversed due to insufficient funds in my TD Bank account, and XXXX XXXX XXXX canceled the transaction. Despite this, my TD checking account still shows that the transaction was executed, and I was charged {$2500.00}, even though the payment was reversed and not posted on my student loans account. Td bank charged me {$2500.00} and sent my account to the collection agency. TD Bank customer service is very rude, and they are unwilling to resolve the problem with my fraudulent charges. Why Td bank still charged me {$2500.00} even the transaction was canceled and money wasn't post on my XXXXXXXX XXXX XXXX 

My TD Bank account is now closed and has been sent to collections. 
Td bank account : XXXX customer service : XXXX XXXX XXXX XXXX XXXX loans The account number is XXXX XXXX XXXX XXXX XXXX