davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (MN)

I found this Barclay account on my credit report and it is showing I'm delinquent on it. I was an authorized user on this account and by law an authorized user is not responsible for the debt. I contacted Barclay to have my name removed and they refused. They said they sold the debt and there is nothing they can do.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credence Resource Management, LLC (FL)

This company has called me 2 to 3 times a day every day for at least 2 weeks. I have called them multiple times and asked them to stop calling me. They said they wouldn't call again, but they still do. I feel like I'm  being harassed.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

Yes this credit for XXXX office closed my account way too fast. Hurt my credit score also. Was opened XX/XX/XXXX. They closed it XX/XX/XXXX. Said on the remarks. Canceled by credit grantor???? I never closed it. They did. I would like them too contact all 3credit bureaus. Have it deleted. If not at least out if courtesy
Consumer complaint received 2019-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc. (NC)

To whom it may concern. I received a letter dated XXXX, XXXX, 2019 from a SCA Collections. After reviewing this letter I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that HIPPA does allow the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPPA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, through the Consumer Financial Protection Bureau, as a formal debt validation request, which I am allowed under FDCPA because you will deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with the above requested proof. Upon receiving it, I will correspond back by through certified mail return receipt. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

I have been paying on my student loans for 5 years now. After several forbearances ( recommended from Navient ), I started making payments of ~ {$260.00} per month. 

I recently went to pay my remaining balance in full ( ~ $ XXXX ) and thought I was done with my student loans. I also recently obtained a XXXX XXXX credit card that provides a free credit monitoring service and noticed an additional ~ $ 30K that was delinquent. I called Navient to ensure that the XXXX was all that I owed, and they assured me. 

I called the Department of Education line ( who was very helpful ) who discovered they sent accounts I was still paying on into debt collections. I need a resolution!
Consumer complaint received 2020-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

It has been over 60 days ago since I've sent letters to this bureau and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response. I am trying to get a house and can not move forward without supplying these results.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

Yes back in XX/XX/2018. They closed my account due too inactivity. I did nit know you had too use card right away. I'm hoping they can at least get it deleted from all 3credit bureaus. Or if not give me the credit back. I'm on XXXX going thru hardship due too corona viruses.
Consumer complaint received 2020-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KS)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020
Consumer complaint received 2019-05-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

You guys really need to get out and start investigating banks. Ok here we go : Openened an checking account online on or about XX/XX/XXXX deposited {$1000.00} to fund it. Today (XX/XX/XXXX ) go into my local branch in XXXX, CA to activate debit card ( which i did, and make another deposit of XXXX, and open a savings account or so I thought. When I see a " banker '' to open a savings everything seemed to go through until the end when she told me there was a problem, and " she was new here '' and she had to talk to her " manager '' she comes back to tell me that I " can not '' open a savings account ( I thought checking accounts were the tough account to get ) furthermore she told me that my checking account that was approved was " in jeopardy ''. I then told her to get her manager. The manager said I needed a copy of my SSN ( for a savings??? account?? ). Oh yeah, I had a Citibank account about 4 years ago ( which I closed on my own volition ). My credit last I check was in the 600 range so, ... ..Citibank why can't I open this savings? Is it because I made the mistake of going into a branch where you could see my race ( XXXX XXXX )? That would be illegal!
Consumer complaint received 2020-08-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My uncle died last year. He had a balance on his home equity loan which I have been paying the monthly charges on while the courts were working on approving his estate. In XXXX I received Orders of Summary which I sent to the Bank of America Estate Department via email ( Ironically the BOA rep gave me the case worker 's PERSONAL email address. ) When I did not hear back I called and spoke to the rep. I completed the paperwork provided and gave instructions that I wanted to pay-off and close the HELOC. I did not hear back and subsequently the house was sold. On XX/XX/XXXX I contacted BOA to get wire transfer instructions and a pay-off amount. ( Almost all their branches were closed in FL due to the pandemic. ) Rather than given wire instructions I was provided the address of XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX TX XXXX Mail Code TX XXXX. I sent a cashier 's check for the pay-off ( {$23000.00} ) along with a copy of the Orders of Summary and asking for a mortgage satisfaction and a closure of the account. I was also told to fax my request. I did that on XX/XX/XXXX and received notification that the fax was successfully transmitted. Since the loan had not been paid off I also sent another {$130.00} personal check to make sure the loan would be paid off and the mortgage satisfaction received. 

I have waited on hold at least 10 times ( once for 1 hour and 54 minutes, anther time for 2 hours and 10 minutes ). I have been given multiple case numbers and yet the cashier 's check has never been cashed and the loan is now past due. I even posted on XXXX that I needed assistance. BOA indicates they are prioritizing this issue but no one calls me back or emails me. I did receive a form letter in the mail staying they received written communication and will provide a written response of their findings. 

BOA keeps telling me that their conversion did not " go well '' but I'm sorry this is ridiculous. My uncle 's home is being sold at the end of the month so I am having to have the HELOC paid from the proceeds.
Consumer complaint received 2019-12-30
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. (OH)

Experian has for years had a wrong address listed. I believe it is a typo that someone put in as it is a derivation of my correct address. The address does not even exist. I have submitted this error to them at least twice and they refuse to fix it. The XXXX address on the attached does not exist and obviously I have never lived there. It is the 2nd address listed. Also the 3rd address is no one. This is a condo complex so that address without an apartment number would be 12 people not me.
Consumer complaint received 2019-12-30
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: Experian Information Solutions Inc. (FL)

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2019-12-30
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: Experian Information Solutions Inc. (TX)

The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (GA)

I have a checking account with PNC bank for a long time. I noticed that this bank start charging a fee of {$3.00} as check images in statement fee on XX/XX/XXXX & XX/XX/XXXX.  I never issued a check during these two months. This bank is harassing me for no reason. The customer service of this bank was very bad.
Consumer complaint received 2020-08-24
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)

XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. 

I sent DISPUTE letters to XXXX, XXXX, and Experian credit reporting agencies on several different occasions with a copy of my drivers license to prove my only mailing address. The letter said please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per FCRA, since they are inaccurate.This has still not been corrected.I mailed in my documents. I have called the CRA 's and I used their online dispute portals
Consumer complaint received 2020-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC (IL)

i did lease a hot water heater from the XXXX outlet store in XXXX il, with the company they use called-WHY NOT LEASE IT.it provides for a retail installment leasing/buying program so you can purchase or lease the product if you choose either program, with a buy out feature if you want to keep the product.i did pay off the lease buying contract in full to keep the product according to their terms. on the very same day that i paid off my contract, the company WHY NOT LEASE IT deducted another payment after i had paid off my contract, as the payments were set up on a ach direct debit from my account. i did call WHY NOT LEASE IT, to tell them of the mistake, they reviewed the payment history of my account, agreed that the payment was taken on the same day, then told me they were not going to refund that payment.i then went to my bank and disscussed my options, and then did file a dispute with the company WHY NOT LEASE IT for that last payment.the bank followed up, and did find the payment taken out with no recourse from WHY NOT LEASE IT, and the money was put back in my account as a recovered disputed .item.
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I received inquiries on my credit reporting file that I did not authorize. I have disputed them several times. The only company that has corrected the issue is XXXX. Equifax and XXXX have not corrected the issue after 60 days.I HAVE DISPUTED THESE UNAUTHORIZED INQUIRIES WITH XXXX, EQUIFAX AND XXXX ON SEVERAL OCCASIONS. I EVEN BOUGHT MEMBERSHIPS WITH THEIR CREDIT REPORTING AGENCIES AS A GOODWILL GESTURE, BUT STILL NO HELP. 

1. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX 2. XX/XX/XXXX EQUIFAX MORTGAGE SERVICES - EQUIFAX MORTGAGE SERVICES -, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX  XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX-MT, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXXTX , XXXX XXXX XXXX, XXXX, FL XXXX 5.  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX 6. XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (NC)

This company has not been mines and I filed a victim of identity theft and the credit bureau never showed proof that this was my debt and when I called the company they claim they dont show a record of this at all but some how they are still reporting me as late on an account thats saying its been closed and charged off! I am in the process of closing on my house and the company Fortiva keeps updating my report showing Im late. I have no idea why this matter has not been removed when its clearly not my debt. I am a military veteran who in that year was not even in the country. Its showing on my report opened XXXX XXXX. Its showing closed XXXX XXXX in the amount of {$5300.00} XXXX/FORTIVA. I just got a update on my report showing late for XX/XX/2020. I cant be late on a closed account thats not even mines. I have called this company and they said we dont show we have this account. Then they claim they sold the account to a 3rd party debt collection company and those company stated we dont have your name or that account.
Consumer complaint received 2019-08-01
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. (UT)

XXXX/XXXX XXXX # XXXX is reporting a late in error. I have never had a late and had this account for many years, the only issue was when I tried to make a payment online and I thought it went through but I later found out it hadn't. This late isn't my fault.
Consumer complaint received 2019-06-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One Bank account # Reference : Capital One 360 CD account ( cancelled 6-27-19 ) # XXXX. 

I just called Capital One Bank 360 customer rep againXX/XX/2719 and not happy with their answer and decision. They advised me to cancel the CD account without giving me the accrued daily interest because I told them that the interest CD rate they gave me to renew the one year CD account did not match what they offered me 4 weeks ago when their office sent out email inviting me to renew the CD at 2.7 % ; I found out they actually gave me 2.3 % on XX/XX/19. 

I questioned their office why they emailed me 4 weeks before the mature day and offered me 2.7 % rate if I signed up the auto-renewal 4 weeks ago for another year. They did not give me the satisfied answer. 

The customer rep said " per their bank policy, I can cancel the CD today upon my call but the past few days would not receive daily interest. "
Consumer complaint received 2017-11-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendUp Loans LLC (CA)

I paid this usury interest rate loan off on XX/XX/XXXX ( XXXX ) I have been conducting business with these people since XX/XX/XXXX ... .Flurish/LendUp, XXXX XXXX  XXXX XXXX XXXX ... XXXX XXXX Ca . XXXX ... .. I have not received any refund relating to the CFPB settlement or the Ca. Dept of Business Oversight settlement. I have paid these people over {$5000.00} in interest since XX/XX/XXXX. I have tried to discuss the situation with them to no avail.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp (FL)

I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (NJ)

HIPAA Violation : In XXXX, XXXX and XXXX of 2019 I requested that IC SYSTEMS INC verify this debt according to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract to which they have repeatedly violated and continue to do so. I also recently requested they provide proof under the FAIR DEBT COLLECTION PRACTICES ACT proof of HIPAA Authorization.
Consumer complaint received 2019-06-28
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: Credit Plus Inc (NY)

Called them to ask if they can take some of the inquires off from XXXX XXXX they told me to get in contact with XXXX XXXX i did and i check up with XXXX   they told me they Submit paper work and when i check with them they said they didnt recieve and now XXXX  is not answering my calls