davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I found an unknown Bank of America account in my credit report at the end of XXXX. I contacted XXXX and try to dispute it. Then XXXX told me the result is accurate on XX/XX/XXXX. The unknown BOA account was opened in XXXX, and my first arrived in US is XXXX. I have no idea why both Bank of America and XXXX said the credit card account was belonged to me. I only have one authorized BOA credit card account from my wife. It was opened in XXXX and I checked the account number is different.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Concord Servicing Corporation (CA)

My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/2018 I checked my credit report to find that a company named Commonwealth Financial had added an account to my credit file claiming that I owe them {$940.00} on XX/XX/2018. I have never had an account with this company and I am very upset that these people can just added a debt to someone's credit files unknowingly! I have never received anything from this company and do not know anything about them. It should be illegal for someone to just add an account to someone to get money that you don't owe them!!! My score has dropped almost 70 points because of this company!! I am in the process of making a major purchase soon and these people have caused my score to drop like this when I don't owe them a dime!! This is ridiculous and is just another way to keep a person from ever having good credit! I had nothing negative in my credit files until these people added this fraudulent account! Can you please help me with this??
Consumer complaint received 2018-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call from XXXX this morning they have been calling multiple times a day while I am at work. I let her know that I would not be giving out my credit card information over the phone and she became very aggressive not letting me speak and telling me that I was on camera and what not. She then began to state that my credit would be severely damaged and I would be sued. So unprofessional.
Consumer complaint received 2018-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (NV)

The collection agrncy called me and i offered to pay the debt in full. I Provided them with my bank account info to make the payment and asked if after i spoke with the original creditor if it was determined that there was a mistake if i would get a refund if the payment. The agent asked me why i would pay a bill i didnt owe and i informed her i was in the process of buyi g a house and coukd bot have a negative account reported on my credit report. She immediately put me on hold transferring me yo her supervisor of who i asked the questionagain and then told him that i was willing yo pay the accoubt in full with thr i go they had on file. He asked if i had a credit card and i stated no he yold me ifni wanted to get the new house i wanted i better get a credir card because he would not take the form of payment i was offering and hung up. The account is got a insurance policy i cancelled on XX/XX/XXXX. There was no attempt by the original credit grantor to collect payment and they sent the ccount to collections less than 30 days after the policy was cancelled and the collection agency contacted me in XXXX and had reported the account on my credit report by XX/XX/XXXX.
Consumer complaint received 2018-09-11
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. (NJ)

This creditor has illegally re-aged my accounts and the creditor and CRAs have failed to rectify the problem after multiple requests and a previously filed complaint with the CFPB and NCUA. 

The accounts appear to have been charged off in XX/XX/XXXX, first delinquency reported as of XX/XX/XXXX. However, the credit card account then begins to show as if it was being paid again from XX/XX/XXXX to XX/XX/XXXX and then resets to 30 days delinquent in XX/XX/XXXX then charged off again in XX/XX/XXXX. The one that was finally fixed ( XXXX ) shows that it will be removed as of XX/XX/XXXX, the other ( XXXX ) now reflects that it will be reported until XX/XX/XXXX, meaning the date of first delinquency was reset. 

These accounts have been illegally re-aged and should be immediately removed from my credit report.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I had used my wife 's bank account to pay billing on credit card and some payments were returned. Since then my brother made a payment of {$300.00} and got account in order to charge for credit. Afterwards the account has become restricted for use even after verifying my wife 's bank account. The Capital One bank said they need to verify his account with bank as well and my brother refuses to do so stating it is unnecessary. Meanwhile I have credit available of close to {$200.00} but card is Restricted for use by me due to Capital One policy.
Consumer complaint received 2018-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have both Federal and Private loans with Navient. I began repayment in XXXX. I have had an ongoing problem with Navient constantly calling my phone at all times day and night up to XXXX XXXX. I have told them to stop and they do for a few weeks and continue. They also send me emails with reflecting the current payment. If its so much as 5 days late they send me emails showing the amount rising for the total of several payments progressively. 

My co-signer ( XXXX XXXX ) Contacted me in XX/XX/XXXX. He stated he saw I was making payments of {$80.00} towards the loan ( which is more than I was required to pay ) he co-signed for as well as the one I had on my own. Mr. XXXX called Navient and discovered they were placing the payments on solo my loan as it was the lower amount bringing up the interest and total balance of my co-signed loaned. What bothers me is that I sent checks via XXXX  XXXX XXXX to the two separate accounts. Navient took it upon themselves to place the money in toward the one account and raise the interest on the one co-signedhow is that fair anyway shape or form???. I called them and asked about this. The clerk I spoke to was evasive with answers. I told them I wanted a detailed breakdown of my Federal and Private loan accounts. I was told this was not a problem and they said they would mail it to me. I never received it. I suspect the same issue is going on with my Federal Loans as well. Navient is placing money and keeping interest by doing this making it an extreme hardship for borrowers. I would like this brought to your attention due to Navients recent criticism and allegations of illegal handling of student loans. I seek any and all relief due if available in the future. It is a sad state when corporations take advantage of people paying what they owe and trying to better themselves. If there was not an issue there would not be so many complaints about this corporation.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I disputed this before and they are still insisting that information is accurate. 

In XXXX the company was not One Main Financial. It was Springleaf. I was not late with Springleaf. Their statement and response took place in XXXX. 
I had given them a check payment and wrong acct number was entered. So it came back. Then I replaced it immediately. I need them to show me written documentation that I was late.
Consumer complaint received 2018-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

I recieved the following email from a loan servicer. This loan servicer managed my previous student loans that have been % 100 need paid off since XXXX. They did not properly document the full and complete payment of loans and are now trying to charge interest on a principal balance that does not exist. 

Dear XXXX, We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$1000.00}.

The change in your principal balance may result in a change to your regular monthly payment amount. If so, your next statement with a payment due will reflect your new payment amount. We will send your statement about three weeks before each payment is due.

Making your student loan payment is easy!

Use your mobile device or computer to get started in three easy steps : Log in to your Nelnet.com account to view your loan balance, amount due, and upcoming payment due dates. 
Choose your payment method. Sign up for auto debit, make a one-time online payment, or pay via your XXXX or XXXX mobile phone. 
Make your payment. 



Helpful Account Information Current principal balance : {$450.00} Next payment due : XX/XX/XXXX Regular monthly payment amount : {$5.00} Additional important account information will be provided on your monthly billing statement. 


Questions? Were here for you. Visit Nelnet.com or call us at XXXX from XXXX XXXX to XXXX XXXX  ( Eastern ) Monday Friday and XXXX XXXX to XXXX XXXX Saturday. 

Sincerely, Your Nelnet Customer Service Team LOG IN TO YOUR ACCOUNT Make a Payment Repayment Options
Consumer complaint received 2018-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I have had enough of PayPals lies. I tried to withdraw money yesterday to my debit card and it said it would take 30 minutes to reach my card. Then it was held for review and the person I spoke with at PayPal assured me it would be released by XXXX XXXX today. Now its XXXX XXXX today and the money still has not been transferred. You can not get these fraudsters on the phone since hold times are more than an hour, so they just keep your money against your will. It is disgusting.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (WA)

Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age.

Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates.

Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. 
Thank you
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FIN # XXXX with transunion states account verified. They have yet to prove where information is coming from as per my last CFPB report. I called bankruptcy court on file and they stated they dont report to reporting agencies. Im not sure how they are verifying if not from the court. Issue still not resolve and question its accuracy. I have placed security freeze on XXXX XXXXXXXX and XXXX so the court is there only option
Consumer complaint received 2018-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (IL)

On XX/XX/XXXX I initiated a payment of {$900.00} on Ally 's website through their " XXXX '' feature. It is essentially a peer-to-peer payment system similar to XXXX. " XXXX '' has this nifty feature where you can delay the payment being sent, so I chose to delay the payment until the XX/XX/XXXX so I could confirm if the goods were sent or not. My payment ended up being taken and deposited with no goods or services provided. When I went to go cancel the " XXXX '' payment, the payment said it had arrived in the recipients bank account " within minutes '' of me hitting send ... .I then reach out to Ally to let them know of the situation and the representative has not a clue about " XXXX ''. I asked if it would be possible to initiate a chargeback considering I had sent the payment on the terms it be delayed until the XX/XX/XXXX and I confirmed the goods had been sent. After a brief hold, I am told to dispute the sent payment through XXXX and they would contact me within 10 business days about retrieving my money. Of course, 10 days later I receive a letter stating they can not help me retrieve my money since I initiated the payment. When I reach out to " XXXX '' customer service on the matter, they state it should only be used with people you know and that my bank would help retrieve my money. So here I am with both companies pointing fingers with no real information on where my money is and why they have no fraud protection on their services. A true disgrace that they implement a feature in their platform that has no regards of protecting their users and keeping their money safe.
Consumer complaint received 2018-09-09
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 (MN)

My credit report indicates that Capital One Bank made a negative comment on my credit report which I can not see. It dropped my credit score by XXXX points from XX/XX/XXXX until now. I do not have any late payments with them on my credit card or house loan.
Consumer complaint received 2018-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I was alerted by XXXX, XXXX, and XXXX that the collection agency by the name of XXXX XXXX XXXX added two collection files to my credit reports. I am disputing this that it is fraudulent due to the fact I have never signed a contract nor do I have an account with this said company. NO SIGNED CONTRACT with XXXX. Never received anything from this company.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (MN)

I am a natural person, I am a living human being, I have rights under 15 USC 16681.

Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account XXXX : XXXX Account name : XXXXXXXX XXXX XXXX 

Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NC)

In XX/XX/2018, I had my loan service switched from XXXX XXXX XXXX to XXXX in order to be eligible for loan forgiveness via income driven payments. The first payment that was due in XXXX was applied by a XXXX representative, over the phone using my credit card. After that first payment, I started to make payments online. All of my payments have been paid on time, actually early, and I always pay the full amount of {$370.00} and apply the payment to all loans. All of a sudden, in XX/XX/2018, I received a message that I had a past due amount of {$50.00}. That's impossible when I consistently pay {$370.00}, on time, every month. So I called the company to ask why I owed {$50.00}. I talked to two different representatives in which I did not get clear answers. Then I receive an email saying that I over paid on one of my loans. Which again is impossible because I consistently pay {$370.00} on time every month and apply the amount to all of my loans. I don't pick which loans to pay on. I call the company a second time and a lady says she would submit a request to have my payment reapplied. The next thing I know, my loan status is now in forbearance. Again, I call the company asking how and why I am in forbearance. I was told I asked for forbearance, which I didn't. I explained to the representative that I would not ask for forbearance because the sole reason for switching to XXXX XXXX was to be eligible for loan forgiveness. Accounts in forbearance are not eligible. During this phone call, two representatives go back and forth trying to figure out why I owe {$50.00}. They then end up telling me I paid on all my loans except the one that is past due and that I asked for forbearance. I then told them that was not the case and there must have been a misunderstanding somewhere in the phone call with the last representative. I tell the representative to take me out of forbearance. She said she would and then transferred me to someone else to make a payment of {$50.00} which I wasn't going to pay. I ask the next representative, again, why do I owe {$50.00}? She ended up saying she did not know and that it was confusing since I have been making appropriate payments, so she submitted another request to fix my account. Now, for the month of XXXX, it still says I owe {$50.00} plus the regular {$370.00}, but there is no past due message. I also notice that I do not even see that my past payments were credited to my qualifying 120 payments for loan forgiveness. I just need answers, I need my account status to be corrected, and I need my payments to qualify.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: DISCOVER BANK (VA)

I withdrew my money from a money market account and closed it. Discover bank claims to not have received my initial request to close the account and is charging me fees on the XXXX  balance. They refuse to close the account and keep charging me fees! 
XXXX - XXXX out the account and send closure via bank 's internal messaging. 
XXXX - Messaging via bank 's website again requesting closure. Was told they would not because they are charging me a minimum balance fee. ( - {$10.00} ) XXXX - Telephone conversation with bank employees. Requested account closure, and was refused again. ( - {$10.00} again ) Discover bank continues to charge monthly fees on an account that was a savings money market account - not a credit account! They are providing no desired service. I have not borrowed any money from them. 

The bank refuses to close the now negative account without payment of their fees. There was no fee for closing accounts apparent in the agreement.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I RECEIVE A SUMMON TO APPEAR IN COURT ON XX/XX/XXXX FOR A CREDIT CARD DEBT.THIS COLLECTION DEBT IS THREE YEARS OLD. MY LAST ACTIVITY ON THIS CREDIT CARD WAS XX/XX/XXXX. THE DEBT WAS CHARGED OFF IN XX/XX/XXXX.XXXX XXXX  IS TRYING TO SUE FOR THIS DEBT WHICH THE STATUE OF LIMITATION IN MISSISSIPPI HAVE EXPIRED.
Consumer complaint received 2022-12-02
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)

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my home!