davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/XXXX, I applied for and obtained a credit card for XXXX XXXX through Comenity Bank with an initial credit line of {$4000.00} bearing a regular purchase interest rate of 24.99 % and promotional purchase rates from 0.00 % - 2.99 % dependent upon the repayment period, from 12 months - 36 months. The account was maintained in good standing and paid according to terms and as a result in XX/XX/XXXX the account 's credit line/limit was increased to {$5200.00}. Further, the account was maintained in good standing through XX/XX/XXXX. In XX/XX/XXXX, I inadvertently missed a payment on the account and was immediately subjected to credit review and a reduced credit line at {$4600.00} imposed. Thereafter, although the account was brought current by XX/XX/XXXX ; Comenity Bank engaged in balance chasing and systematically lowered the account 's credit limit as follows : XX/XX/XXXX - {$3800.00} ; XX/XX/XXXX - {$3600.00} ; XX/XX/XXXX - {$3400.00} ; XX/XX/XXXX - {$3200.00} ; XX/XX/XXXX - {$3100.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; XX/XX/XXXX - {$2900.00} ; and XX/XX/XXXX - {$2700.00}. But, on or about XX/XX/XXXX, I telephoned the ComenityXXXX XXXX representatives, expressed my objections to the practice of balance chasing and requested my account be closed. Notwithstanding, although the account was closed, bank management or its approved systematic programs reopened the account to lower the credit line from the XX/XX/XXXX credit line of {$2900.00} to the XX/XX/XXXX of {$2700.00}. I recently telephoned the Comenity-XXXX XXXX representatives and inquired upon whose authority did the last change of the credit line/limit of the account closed XX/XX/XXXX occur? The supervisory response was because the account experienced a returned item it was allowable or warranted. The account as of this writing is current with a balance of {$2300.00} comprised of promotional purchases with interest rates of 0.00 % - 2.99 % with extended payment terms. I do not believe management 's most recent action of lowering the credit line after the account closure is warranted nor allowable within current consumer credit rules, regulations or law.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (LA)

On XX/XX/19, Credit Management has responded VERY unprofessionally to my dispute from XX/XX/19. After asking for proof that i owe them or ANY signed agreements that i ever contacted them for a service and agreed to pay them, I received a response that they failed to investigate. Never have i seen a agency respond in a day after being requested to validate the debt they claim i owe them. 
In their response, they ADMITTED to trying to find a signed contract or any form of agreement from me, but COULD NOT! All they supplied are bills they made with my name on it and an address that is not mine! 

I will not stop until this illegal, unverified account is REMOVED from my credit reports. Their horribly unverified little account does not hurt my well established credit report, as I wouldn't have known they were reporting to the bureau 's until i signed up for a credit monitoring service. 

Credit Monitoring : 1. Show me proof that you are licensed to collect a debt in the state of Louisiana. 

2. Show me PROOF that I XXXX XXXX of XXXX, LA. XXXX, ever signed any agreements with Credit Management. ( NOT A BILL THAT ANYONE CAN TYPE UP WITH MY NAME AND AN ADDRESS ) I can type up a bill with their name and address on it and claim that " they owe me ''. Verification of spelling my name correct or any incorrect information they have on file for me is NOT what we're asking for. 

My lawyer and i will be using legal actions to sue if this unverified item is not removed from my credit report. I'd highly advise they do not write such a horrible response again and actually provide real agreements and not a bill with my name on it, above a residence i do not live at.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-10-18
Product: Credit reporting 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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The balance owed to XXXX XXXX has been settled and paid. I am requesting this account be deleted from my credit report. As of today, Friday, XX/XX/year>, my credit report is showing inaccurate information This is unfair and harms my financial reputation
Consumer complaint received 2019-11-12
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: EQUIFAX, INC. (TX)

I filed a dispute with Equifax. I was emailed a notice stating only that their investigation had been completed. They never notified me as to the result of that investigation.
Consumer complaint received 2019-11-06
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. (TX)

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called XXXX XXXX who gets it from XXXX or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with XXXX XXXX. I have placed a freeze on my XXXX XXXX information as well, but yet they still claim to have verified it as being accurate.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (IN)

For the year of XXXX, I was on an income based repayment plan for my student loans from law school. I was paying {$130.00} per month, which was very manageable. 

When I went to recertify my IBR in XX/XX/XXXX, the website on which to recertify was not working. This website was myfedloan.org. Due to the website being down, I had to submit my recertification late. 

I have called and called and called and called, several times, over the past few months, and have never gotten a response from the contact number listed on myfedloan.org. I am either put on hold, only to be hung up on ; or when I press the number that will have them call me back, they never do. 

All of this has caused my monthly payments to jump from {$130.00} per month to {$1400.00} per month. I can not afford to pay {$1400.00} this month. 

Furthermore, when I was finally able to get my IBR recertified, my new income-based repayment was calculated to be {$450.00} per month, starting next month ( XX/XX/XXXX ). This is a {$300.00} increase from my original payment schedule. 

I can not afford to pay {$1400.00} this month, nor can I afford to pay {$450.00} next month. I wish to have my payments returned to {$130.00}.
Consumer complaint received 2019-11-06
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: Experian Information Solutions Inc. (WA)

On XX/XX/19 I attempted to get my free annual credit reports from the big 3. I was able to get online reports from XXXX and XXXX but not Experian. When attempting to get Experian 's report the following notice pops up : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request  form. 

XXXX XXXX XXXXt XXXX  XXXX  XXXX. XXXX XXXX XXXX, GA XXXX I think this is unreasonable. I've also read online posts of others running into the same problem, mailing in a request for the report - but never receiving it.
Consumer complaint received 2019-11-12
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: S & S Recovery, Inc. (TX)

On XX/XX/2019 XXXX XXXX of S & S recovery called my job from XXXX I called her back and asked her to not call my employer again. She stated she will not and made a note to not call my employer. However today XX/XX/2019 she has again called my job.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of America Ltd. (CA)

XXXX XXXX XX/XX/1976 I have disputed this company CREDIT BUREAU OF AMERICA SEVERAL TIMES! 
Finally i got an update ( attached ) showing that they REMOVED the account from my credit file. Soon after I received a bill showing they are still ACTIVELY attempting to collect on this debt. 

AFTER VERIFICATION AND VALIDATION was not enough to keep the debt on my credit file I find it offensive and ILLEGAL that they are now attempting to collect from me again. 

Please see to it that this account is REMOVED from ALL THREE BUREAUS AND NEVER TO BE RE-INSERTED INTO MY CREDIT FILE AGAIN. 

NOT TO MENTION MY NAME IS NOT EVEN SPELLED CORRECTLY ON THIS FRAUDLENT ACCOUNT. I HAVE PLEADED WITH XXXX XXXX XXXX XXXX  PROVIDING DOCUMENTS THAT I WAS NOT LIVING AT THE ADDRESS. THE MISSPELLING OF MY NAME SHOULD BE SOME INDICATION THAT I WAS NOT THE AUTHOR OF THIS ACCOUNT. I THEN DISPUTED WITH CREDIT BUREAU OF AMERICA AND PROVIDED THE SAME DOCUMENTATION. 

IF THIS ACCOUNT IS NOT REMOVED AND ALL COLLECTION EFFORTS CEASE AND DESIST I WILL HAVE NO OTHER OPTION BUT TO CONTACT THE ATTORNEY GENERAL ALONG WITH MY PERSONAL LAW ATTORNEY TO FILE A LAWSUIT.
Consumer complaint received 2019-11-06
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: LEXISNEXIS (TX)

I have disputed bankruptcy information with the three credit bureaus and they are claiming they have verified this information to be accurate. As you may see from my attachment that the bankruptcy court does not provide any information to credit agencies. The information is coming from a third party company called Lexis Nexis who gets it from Pacer or some other form of record pulling. This information is not being verified legally from the " said '' creditor which listed on my credit report is the bankruptcy court. This obviously isn't being done due to the fact they don't verify information with credit agencies. So instead of verifying with the court in which they can't they verify with Lexis Nexis. I have placed a freeze on my Lexis Nexis information as well, but yet they still claim to have verified it as being accurate.
Consumer complaint received 2019-11-08
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-11-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

I purchased XXXX money orders to reconcile a petty cash. The company deposited the XXXX money orders with XXXX XXXX XXXX, one of the money orders was returned. I contacted Western Union where I purchased the money orders, they informed me that I had to submit a money order research request. I have been dealing with this since XXXX, getting the run around, asking to speak to supervisors and being sent to dead end numbers that dont answer, continually being put off. They are frauds and scammers, meanwhile they still have my XXXX $ cash and I Have a unsettled debt with a worthless piece of paper.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION (UT)

Sallie Mae Bank personnel can not give a consistent answer about whether or not funds wired via XXXX to SallieMae Bank from a domestic U.S. bank will be subject to a funds availability hold or not. 

Two telephone reps that I have spoken with on XX/XX/2019 and XX/XX/2019 have said that inbound wired funds are not subject to funds availability holds. 

However, I asked the same question via secure message to Sallie Mae, and their response was that a funds availability hold would apply. 

At best, this is a serious discrepancy in information that Sallie Mae Bank is providing to customers. At worst, this is a deceptive business practice of telling customers that funds wired into new accounts are not subject to holds when, in fact, those funds are subject to holds.
Consumer complaint received 2019-11-06
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: CITIBANK, N.A. (NJ)

I have disputed a charge in the amotn of {$9900.00} ; however, Citi does not engage in constructive dialog despite their customer service representative confirming my signed document package was received, later to be told that it was not received by the due date ( XX/XX/XXXX ). Disputed XX/XX/XXXX, send initial information XX/XX/2019 ; XX/XX/2019 ; and again attached in this compliant to process the dispute.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

We have a credit card with Capital one that has both our names on the account, XXXX XXXX and XXXX XXXX, married. There were some small charges that appeared this summer of 2019 from a company called XXXX XXXX on the joint account under XXXX 's credit card. We called capital one and they stopped the charges and issued a new credit card for XXXX. Later on in the summer, we thought we had not activated the credit card yet when new charges from XXXX XXXX appeared on XXXX 's card again, One on XX/XX/XXXX and one on XX/XX/2019. We again called capital one and this time they told us they would investigate the charges and give us the money back to see who this was coming from. We had a new card issued and did not hear back from capital one. The new card was never activated and yesterday we noticed a charge on XXXX 's card from XXXX XXXX, on XX/XX/2019. We know her card was not activated before this charge was made to her account. All of the credit cards she has gotten through capital one have different account numbers on them so no one has had access to the third credit card that we just got because it has been sitting in a draw at our house unused. The only people who have had access to seeing that card are the workers at capital one and the postal service as it was sent through them. We have wasted time on the phone with capital one at this point because the cards are being charged by this same company over and over again without any resolution from capital one. Without us activating or using the credit cards it concerns us that someone has unauthorized access to capital one 's new credit card numbers.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

MUFG Union Bank of California is holding my funds since the deposit is greater than {$5000.00}. Bank is reserving the right to do so past the 5 statutory days according to the FDIC directives. The held funds resulted in unsuccesful payment due to unsufficient funds on the account. The bank Ledger balance showed {$8400.00} prior to me making the payments to the respective vendors. Nowhere within the information available to me was there a note saying that the shown balance was actually on hold and for what duration of time. So BALANCE was showing positive until I made the payments. Only after doing so the existing balance of {$8400.00} turned into a - {$1900.00}. If the bank acted correctly and have shown the negative balance due to the HOLD on funds from the begining I would not attempt to make payments to anyone. Afterr calling the bank their representative advised me that they are well within their rights to do what they did even after i pointed the fact that the BALANCE was shown positive before the payments were made. The deposit was made on the XX/XX/2019 and they are holding the funds over {$5000.00} untll the XX/XX/XXXX according to the representative and the letter I received today XX/XX/XXXX. According to the document the {$3200.00} are held for 10 calendar days.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION (IL)

My daughter and I opened a credit card account at Penfed Credit Union years ago. We have been trying to close the account for over a year. Penfed keeps sending a statement each month and adding {$1.00} each month at a " Paper Statement Fee. '' This is a scam and not worthy of an organization which touts itself as a military friendly credit source. I am an XXXX veteran and always had a positive view of Penfed until this experience. I shouldn't have to file a complaint with the CFPB to stop this monthly scam. There is no way to close this account with Penfed. Perhaps CFPB can help.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (GA)

About 6 months ago I started the process to request a PMI waiver for my mortgage having followed the process outlined by Flagstar Bank. This consisted of the application and then paying around {$500.00} for an appraisal which I did. Once the appraisal was completed, I received a letter and notification that the modification wouldn't be granted because the home didn't appraise for a high enough value. I then asked for my options around disputing and was told to send in 3-5 comps of comparable homes in my area and they would review. During this time, I also saw that the home was appraised based on it being a 4 bedroom 3 bath and my home is 5 bedroom 3.5 bath. I also called in to dispute this and was told that the county had the home listed as such and that I needed to contact the county to correct this. I did this and per Flagstar, just needed to send them in new documentation provided by the county which listed my home as a 5 bedroom 3.5 bath. Flagstar told me that it would take up to 21 days for a review of the dispute and I called after this time and received the runaround and inconsistent information from their employees. The last person I spoke with early XXXX was extremely unprofessional and harsh and told me the decision was final and nothing further would be done. I would like to submit this claim based on the aforementioned items as Flagstar has treated me as a customer unfairly in these business proceedings. I have done everything requested of them and to no avail.