davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Dear COMENITYBANK/VICTORIASSECRET ; I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2022 during the time i was XXXXXXXX XXXX XXXXXXXX. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXXXXXX XXXX XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (DE)

These hard inquiries do not match any current accounts that I currently have. 
Below is all of the companies that placed hard inquiries on my credit report along with the inquiry date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
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. (FL)

Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I called CapitalOne Credit Card XXXX XXXX service, and was transferred to a representative, due to suspected fraud with my card! I was asked if I recognized a charge, and I answered, " no ''. The rep advised that the best thing to do was to inactivate the card, XXXX issued a new one. Additionally, I was advised that if I needed to make payments, I could make them over the phone, if I provided the last XXXX digits of the old account. I stated that if that was the best approach, that I agreed..and i was provided with the last XXXX digits of the new account. 
The next step needed was to send a text code to verify my identity! I advised the rep, that I only had a landline! The XXXX stated that there were options, that a link would be sent within the next hour, or within XXXX hours, to enable me to send a copy of the front and back of my XXXX driver 's license! The first time i never received the link! I called and was told that the link would be sent, again, with the same waiting time! I received the link, and endeavored to send the required document, but was unable due to the E-Mail address being invalid! 

I have spent an inordinate amount of time with this matter, and have gotten nowhere! A payment is due today, and I can not make it due to this mess! I do not want to pay a late charge! And Capital One does not waive late charges! I feel I am between a rock and a hard place! Any help granted in this matter, would be greatly appreciated! 

As an aside, I was told that I could make a payment, from my checking, if I provided my checking account routing and account number! I refused as most of the reps are from outside the XXXX! Besides they already have that info!!
Consumer complaint received 2023-02-10
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. (NV)

Recently tried to buy a house and realized there are inaccurate unverified fraudulent damages under the name of XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00} and XXXX XXXX XXXX in the amount of {$390.00} on my credit report. According to the 15 USC 1681 law these damages are defamation to my character. I have attempted to reach out to this company 3 times starting from XXXX if 2022 prior to this complaint to resolve this error and have only received a system generated correspondence. No proper investigation or proof/method of validation was provided.
Consumer complaint received 2022-02-22
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one charge off entry on my credit report for {$690.00} which is fraud. 

XXXX XXXX XXXX has an account for {$110.00} account # XXXX that is fraud.
Consumer complaint received 2022-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MN)

I submitted a refund request to edfinancial and I assumed there would be someone who could give me any information on when that would happen. I expected even a timeline of any sort but I got no information and they refuse to give me any saying " we are given no timeline or information on when it will happen. '' They are sounding extremely sketchy with my refund and I don't actually think it is getting handled properly. Edfinancial has told me nothing on both phone calls I've had XXXX weeks apart from each other giving them time to hopefully get some information but they continue to give me nothing. I never even got a conformation of the request being sent in so I have to rely on their word over the phone alone.
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (IL)

In XX/XX/XXXX, I called my student loan servicer ( Nelnet ) to ask when I needed to recertify my income-based repayment plan. I was advised I needed to recertify by XX/XX/XXXX. I was misinformed. My actual recertification date is XX/XX/XXXX because of government initiatives. In good faith, I recertified my income in XX/XX/XXXX. Now my payments are much higher than I can afford even though my income increased. I called Nelnet today ( XX/XX/XXXX ) asking what I could do. They said I can not cancel the recertification, even though they told me the wrong information. I would like to be put back on my old income-based repayment ( IBR ) since I was 1 ) misinformed and 2 ) there were no notifications ( emails, letters ) that I received regarding recertifying later than XXXX. I am willing to pay my student loans but would like to recertify my income at the actual assigned date in XX/XX/XXXX since Nelnet misinformed me. I want to be able to take advantage of the new XXXX coming in XXXX like the rest of the country.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-14
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. (FL)

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} Opened : XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy.

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-21
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. (FL)

Under the Fair Credit Reporting Act, they have violated my rights 1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In according with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under U.S.C. 1681. 
1 ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX XXXX ) XXXX XXXX  # XXXX XXXX ) XXXX XXXX # XXXX XXXX ) XXXXXXXX XXXX # XXXX ( identity theft ) Has Violated my rights.

*15 U.S.C . 1681 Section 602 A. : States I have the rights to privacy.

*15 U.S.C . 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

*15 U.S.C . 1681c ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following. Any other item of information other than records of convictions of crimes which antedates the report by more than seven years.

*15 U.S.C . 1681 ( s ) 2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any credit reporting agency, if the person knows the information is inaccurate.
Consumer complaint received 2023-02-10
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. (TX)

I would like to file a complaint against three credit reporting agencies for continuing to reporting a bankruptcy which that was verified through a third-party. not from my own filings or from a court. This is a violation of my rights as a consumer and a violation of the Fair Credit Reporting Act. This violates Section 603 ( q ) ( 3 ) ( A ) ( i ) ( I ) of the Fair Credit Reporting Act ( FCRA ) which states that a credit reporting agency shall not furnish any items of credit information unless the source of such information is a person who has been certified as an agent of such agency. 

Furthermore, similar court cases, such as Mitchel v. Experian Information Solutions , Inc. ( 2011 ) have also found such practice to be in violation of the FCRA. In this case, the court noted that the credit bureau must get its information directly from a certified source to provide accurate information. Therefore, I believe the credit bureau should not have reported bankruptcy which was verified through a third-party and violated my rights under the FCRA. 

I demand that the credit bureaus immediately remove the bankruptcy entry from my credit report. In addition, I demand that you provide me with an updated copy of my credit report. Furthermore, I demand that you provide me with a written apology detailing your mistake and the corrective action taken to address this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My account with XXXX is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Consumer complaint received 2023-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Every XXXX I receive an escrow analysis for my home that I purchased on XX/XX/XXXX. Huntington had been paying insurance and taxes on my home with my monthly mortgage payment. 

I was very curious this XX/XX/XXXX because I wanted to know what my new payment would be after covid and everything generally increasing. My payment went from around {$500.00} to {$900.00} a month because there was a negative balance in my escrow. I later found out that my taxes had not been paid to the city of XXXX for almost XXXX years. I actually received a letter from the XXXX of XXXX stating I was subject to losing my home. I had no clue any of this was happening. 

After calling and speaking with numerous people, I learned a parcel was " missed. '' This was their exact words. And I'm baffled since they had been paying every year with no problems since I moved in. 

Now, I am scrambling to figure out how I will pay my new monthly payment when this is NOT my fault. I already got another part time job in addition to teaching full time. 

An apology would be great, as they have yet to admit to their HUGE errors, but I also have requested all my documents showing that they have paid the taxes since XXXX, and a resolution that is reasonable and affordable. 

They sent me a refund check late in XXXX. This was probably done in error. Shouldn't I only be responsible to pay that back? I'm still not sure what happened in XXXX. They are doing a review, and I am trying to patiently wait, while my supposed new payment of exactly {$930.00} is due XX/XX/XXXX.
Consumer complaint received 2022-11-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC. (TX)

I feel Like my lender took advantage of me and took out a loan on the car that way exceeded the value of the car. Financed it at a very high interest rate with extremely high fees. Im unable to refinance my car after multiple attempts. They were definitely not looking out for me when I took out the loan. I feel like its predatory.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (CA)

I have the AppleCard with Goldman Sachs and had my XXXX XXXX XXXX account listed as method of payment since XXXX. 

Beginning in XX/XX/XXXX my balance payments were withdrawn from another XXXX member 's account due to ( I'm told ) a one-digit error in the first XXXX numbers of the listed account. XXXX accused me of entering the account number incorrectly. 

I learned of this issue via a XX/XX/XXXX phone call from XXXX with no electronic notification/heads up -- in this day/age most anyone will notify the enduser to prompt them to contact the institution for info/PII security. During the XX/XX/XXXX conversation with XXXX I was told the issue was from XX/XX/XXXX and then that this had been an issue since XX/XX/XXXX. You can XXXX my account security concerns. 

CFPB Complaint XXXX already filed for XXXX as well. 

XXXX points the finger at Goldman Sachs as they are the party issuing the transaction requests on my behalf also because they post to the Fed. XXXX says ; not our problem. 

After several disputed payments and regardless of settling this sum in XXXX payment Goldman Sachs I've lost " grace '' since the payments had been returned. 

I'm told it will take XXXX days for anyone at Goldman Sachs to look into the case and/or get in touch with me. 

My concerns are probably obvious ; credit reputation/score along with risk of future occurrence.
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (OH)

Early 2022 I unknowingly was breathing in mold and while delusional I was scammed through cash app and with XXXX. From XX/XX/XXXX through XX/XX/XXXX there was a total of 2,585 in transactions on XXXX. And during that same time frame there was a total of 1,268. 
Once the mold had been cleared from my apartment and I spent some time away from my apartment I contacted my bank XXXX who reversed the transaction only to say it could not be done. I also contacted cash who said I could not be reimbursed.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (TX)

The debt aged out iwith the original creditor. I disputed the debt and it was removed from my credit report. The debt appeared on my credit report under another name, and I disputed the validation : XXXX XXXX  XXXX sued on behalf of Calvalry Portfolio that I owed this debt. I asked for verification of debt before the court date, and they did not comply. The court found that I owed the debt to the original creditor and that Calvalty Portfolio owned the debt. I contacted XXXX XXXX and Calvalry Port Folio twice with a debt verification request for documents. I have emailed and sent a certified letter as of XX/XX/23. They have failed to properly inform me of how to dispute this debt and have informed me it can not be disputed. I am aware that the statue of limitation on this debt expired and the zombie debt law passed should not have allowed this debt collector to sue me past the statute of limitation requirement.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

on XX/XX/XXXX i submitted disputes to Experian for reporting the wrong addresses on my credit profile, I've Called and sent letters on XXXX XXXX to have these items updated and they are still reporting in accurate information on my credit report. They are also reporting misspelled names.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (NY)

I have money stored in a digital wallet on BlockFi. Due to recent events surrounding XXXX  bankruptcy, BlockFi paused all withdrawals on XX/XX/XXXX. I am concerned they will use my money ( and from other clients ) to satisfy creditors if BlockFi is faced with bankruptcy as well, which they have never requested nor been given my consent to do so.