davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

On XXXX after checking my credit report I seen a collection from the collection company XXXX XXXX XXXX. Apparently this a debt from XXXX XXXX originally for {$820.00}. On XXXX I finally got in touch with a XXXX XXXX  representative that informed me that the debt no longer belongs to them and that I would have to dispute the fraudulent debt with the collection company. After several attempts within the months of XXXX till now to get XXXX XXXX to validate this debt they 've FAILED. I received a letter XXXX from XXXX XXXX sending me a bill as validation with an address I have n't live in since i was XXXX XXXX XXXX so I know this is a false account. I sent these letters certified mail as informed by my attorney and have the receipts. I sent another letter certified mail which they replied " debt validated already ''. This company is trying to collect debt that does not belong to me. I was informed by an XXXX rep to come here before file a suit against these people.
Consumer complaint received 2017-12-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc (CA)

After going to the hospital in XX/XX/XXXX, I paid my co pay ( {$50.00} ) at the time of service. Anyway, Financial Credit Network started contacted me about a XXXX debt from when I went to the hospital in XX/XX/XXXX. They put it on my credit report that I owe. Which I did not owe. The continued to ruin my credit by falsifying documents saying the original amount owed was {$65.00} and I had paid XXXX of the amount in XX/XX/XXXX. This is NOT true. I never paid Financial Credit Network in XXXX CA. anything, because I did not owe anything. Then they say I the amount changed to XXXX and I paid off XXXX in XX/XX/XXXXJust so they could keep it on my credit report. I have been fighting this for years. I know XXXX is not a large amount but these people wo n't stop. And they had to have falsified documents to say I made any payments, because I did not. This should be removed from all my credit reports for good. The charge is way to old and it was wrong in the first place. The credit reporting agencies had removed this charge several time, but Financial Credit Network in XXXX, Ca continue putting it back on my report. They even have the dates wrong. : This is on my report : Collections If you 've fallen behind on payments, your account could be sent to a collections agency. This can have a big impact on your credit score. 

FINANCIAL CREDIT NETWORK INC Reported : XX/XX/XXXX - {$50.00} Needs Attention Overview You 've paid off 23 % of your collection amount. 
Balance {$50.00} Highest Balance {$65.00} Opened XX/XX/XXXX ( 5 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Consumer disputes - reinvestigation in progress Original Creditor Name XXXX XXXX XXXX Financial Credit Network Inc Financial Credit Network Credit reporting agency in XXXX, California Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2017-12-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On or about XXXX to XXXX, while checking my bank statement discovered 6 transactions done at 6 different ATM card # XXXX with Wells Fargo banks local here in XXXX for {$300.00} each and one for {$100.00}, not done by me but by some other people, ( the transactions it started on XXXX ), I call the bank. 0n or about XXXX and notified them, they told me they will send me another ATM card within 5 working days. I when to the bank again and they started a claim # XXXX. On XXXX the bank send me 2 letters, one with the temporary credit on the losses {$1700.00} XXXX resolution claim # XXXX for account ending on XXXX. And the other letter saying they will take back the temporate credit within 10 days. On 2 occasions I went to the Bank and they notified me the claim was decline 2 times. XXXX a lady over the phone at the Bank in California in charge of operations XXXX XXXX XXXX told me that I could go to the police station and file a complain, wish I did PD # XXXX XXXX XXXX. And again when to the bank and show them the police report, it takes 21 days for the report to reach the crime bureau.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Yes, my payment due date is the XXXX of every month on this card and new statement period is created three days after the due date. However, for the month of XXXX XXXX, I was told that that can speed it up, and that the statement period was reduce to begin on the XXXX of XXXX XXXX. I contacted customer service and they said they are doing this only for the holidays and that they have every right to do so. Is this legal? I also made two purchases on XXXX ( how could this be XXXX that are still pending. This is illegal. I had no prior notice of this.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XXXX XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But XXXX refuse to take actions to correct this issue.
Consumer complaint received 2017-12-11
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. (OH)

My personal information was breached in both the XXXX breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Consumer complaint received 2017-12-11
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. (OH)

My personal information was breached in both the FASFA breach and now the Equifax breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Diversified Consultants, Inc. (NC)

I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Upon trying to rebuild credit, I received an updated credit report in XXXX XXXX 2017, that reflected an account charged off/closed from XXXX XXXX XXXX on my file. This was shocking news, and explained what was hurting my credit. I never applied for anything with this company. When sending requests directly to XXXX XXXX XXXX, for verification and validation of debt bearing my signature, per my right under the FDCPA Section 809 ( a ) and ( b ), this company refuses to provide and just send letters stating " refer to your credit card agreement ''. ( Which I have record of ). What was even more shocking is the fraudulent account they are reporting is in my maiden name. Which I have not applied for anything in several years under that name. They have never sent verification nor validation of any kind bearing my signature. I 've even tried to dispute this with credit bureaus to have this fraudulent account removed. I will be consulting with my attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof several times, which I have certified letter confirmation of, and they did not comply.
Consumer complaint received 2016-09-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC (FL)

I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse
Consumer complaint received 2024-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLIANT CREDIT UNION (CA)

I am a 15 year client of Alliant Credit Union. I was denied a {$18000.00} used car loan with no explanation except an XXXX XXXX Notice denying credit and box checked, Equal Credit Opportunity Act Notice, checked Consumer Financial Protection Bureau.

The credit Union only offered me to call this agency but NO Explanation so I can clear my credit. Please guide me to next steps.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mandarich Law Group, LLP (CA)

I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include XXXX, XXXX
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (MD)

The lender withdrew funds from my bank account a few day from the normal pay date. When I called I was informed that due to the holiday they redrew the funds earlier and it resulted with my account being overdrawn.. I also looked over my payment history dating back XXXX 2016 up to XXXX and noticed that I am paying more when my previous balances were less and my payments were less.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have tried on numerous occasions to contact Bank of America, XXXX, XXXX & XXXX to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that Bank of America has to fix it but then Bank of America tells me the opposite. It is extremely difficult and frustrating to even try to get someone at Bank of America to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven (which they actually did forgive) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as $XXXX on my credit report which it does). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the Bank of America customer service agent I pulled my credit report. I was happy they kept HALF of their promise (as was required by law) and my balance was $XXXX. But the late payments were still showing (and are still showing to this date) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in Bank of America's system and that it would be fixed.Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting Bank of America. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. Bank of America (as well as these credit agencies) are affecting people's lives and making promises that they don't keep. I believe that Bank America should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was amazed when I viewed my XXXX, XXXX and TransUnion credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

A few months ago, I attempted to obtain my annual free credit report from Equifax. They advised me that I was unable to receive it because they required evidence of my identity. I provided that information to them, by mail ( as instructed ), 1.5 years ago and 2 years prior to that. Today ( XX/XX/17 ), I completed a preapproval application with XXXX. They advised me that they could not extend any offer to me because they were " Unable to verify my Social Security Number ''. I immediately contacted them. The agent inquired if I had any other creditors. I explained that I did. She advised that I contact Equifax ( whom they used to access my credit record ) because they showed no SSN for me. I have credit monitoring accounts with XXXX and XXXX. Equifax seems to be the only agency that refuses me ( or any other creditors I seek out ) access to my records. I am extremely concerned because of the recent breach in security with this agency. Why were my records never updated when I 've provided them proper documentation twice? Maybe this is how our information was so easily accessed because many " balls seem to be dropped ''.
Consumer complaint received 2017-12-11
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 (IL)

After applying for a loan, my credit report stated that Capitalone had issued a 30 day and 60 day late payment for my credit card. After first reaching out on chat, the employee agreed with me and stated that this was a mistake and he was not sure why this happened. They submitted a dispute but got back to me saying the information was correct and I missed those payments. I called and asked a supervisor to verify the information which she could not. She looked over my accounts and I asked if she say any late payments or fees associated with my card which she replied to with " hmm no, but lets file another dispute and see what happens. '' Weeks go by and I file another dispute where I send in all my statements that accurately show a credit to my account in full every month for the so called " late payment '' In total it has been almost 2 months where I still have not gotten a resolution or a clear answer as to why they reported to the credit bureaus that I was delinquent on payments for up to 60 days.
Consumer complaint received 2017-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

A few years ago I noticed that I had 120 day late payments on my credit report from student loans while I was still attending school. I contacted my servicers for years about these late pays and inaccurate reporting 's. It was n't until earlier this year that I had even been told about the Forgiveness payment income plan. Navient refuse to work with me on multiple occasions after I had graduated and was enrolled to start my XXXX XXXX XXXX at another college but was waiting for the start date but because my end date with XXXX XXXX and my beginning date with XXXX XXXX University was outside of six month. They also started marking my loans late again even though they seen I was getting ready to go to school and told them I had no income and they refused to fix my credit report. For years now I have had to pay higher interest rates or been denied credit due to these late pace or inaccurate reporting 's not to mention I was never informed of the income payment plan until a friend of mine told me about it. I also just became aware of the XXXX XXXX College lawsuit for students like myself who were crowhurst into attending school there being told that are credits we 're good credits and transferable to other schools and then they were not {$28000.00} later I had went to school for 4 years for a XXXX XXXX that never really existed.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Young America Holdings, LLC (NE)

A {$150.00} prepaid XXXX was issued from XXXX XXXX for signing on as a new customer in about XXXX XXXX. The card indicates it was issued from XXXX. 

The card was not used and shows an expiration date of XXXX. When the card was attempted to be used in early XXXX XXXX, it was denied as expired. 

I called the phone number on the card XXXX. They said that they no longer handle this card and referred me to XXXX XXXX. XXXX XXXX told me that it was true that they no longer work with XXXX, but that that there was nothing they could do, and that I had to work with XXXX. 

I found an e-mail address for XXXX - XXXXXXXXXXXX who I e-mailed the situation. They replied with a different phone number to call XXXX. I called that number, and based on the card number was referred back to the original number on the card referring to them as " Young America ''. The contact at XXXX said that it is called a sweep card and that at expiration all of the funds are removed from the card. I could not get an explanation of where the funds go. 

In another conversation with the original number listed on the card, I was again told that they " no longer work with XXXX XXXX, and that they transferred all of the information back to them '' Bottom line is that someone has the {$150.00} and it is not me.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DE)

I filed for bankruptcy. In speaking with my attorney, he advised me to stop automatic payment withdrawals on all credit cards which I did. I cancelled my Wells Fargo XXXX account three times since XX/XX/XXXX. I have emails to show the cancellations. The withdrawals still came out. This last time the withdrawal caused my account to go negative. I called them to complain about the situation that they have now taken approximately {$400.00} out of my account that was not authorized. They spoke to me as if I was uneducated and said I must not be cancelling it correctly yet I have emails showing the cancellation should have been completed. They told me I was re enrolling which I most certainly did not as I was following my attorney 's advice. I will now have to open a dispute with my bank since the charge came through. I just think this is very unfair since I cancelled the automatic payment withdrawals.