davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-13
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: Experian Information Solutions Inc. (MI)

XXXX, XXXX, and Experian are all reporting I have two chapter XXXX bankruptcies from 2016. I only have one. The clerk that entered my bankruptcy filing forgot to include my LLC 's information on the original filing, even though it was on the paperwork. Instead of correcting the original petition, since it was the court 's error, they dismissed the original petition and then refiled the petition the following day under a new case number. I was sent a letter by the Federal Bankruptcy court, explaining this which I sent to the credit reporting agencies. They refuse to remove the original filing which is negatively impacting my credit score to this day.
Consumer complaint received 2017-06-12
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: SUNTRUST BANKS, INC. (SC)

I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for  spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

I have filled out loan modification paperwork with Ocwen Loan on numerous occasions, trying to get my mortgage modified. I am upside down on the mortgage and have been having problems making payments. Every time that I fill out the paperwork and send it in, they always send me a letter back stating that " IRS Form XXXX needs to be resent ''. I keep sending it back in, only to get a letter back stating I need to resend it again. Is this their way of not wanting to do a modification and think that after time, I will get tired of constantly sending this in?
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX I completed a Student Loan Consolidation with XXXX XXXX XXXX XXXX XXXX. Every month since then the monthly payments are automatically deducted from my checking account. On XX/XX/XXXX I received a Credit Alert stating that my score had dropped from XXXX to XXXX because my student loan payments were 90 days late. I contacted the XXXX XXXX XXXX and they said that my account was due for a recertification. I asked why I had not been notified and the representative did not have an answer. On XX/XX/XXXX XXXX XXXX XXXX sent me a notice to recertify. 

The payments have been made every month and yet a report was filed with the credit reporting agencies stating that I was 90 days behind. I believe that XXXX XXXX XXXX XXXX XXXX is responsible for this negative action. In addition to my monthly student loan payments I pay them to handle my account. They failed to do the work and notify me when it was time to recertify. This resulted in a drop of over 100 points on my credit reports. I need them to take care of this and get my credit standing to where I keep it.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

Last month, we filed a complaint with your office because Capio Partners reported three medical bills on my XXXX credit report. Prior to reporting the accounts, they did not supply me with a notice of my right to dispute. Based upon that, they apologized and agreed to remove the accounts from my XXXX credit report. To their credit, they lived up to their word, and the accounts have been deleted from my XXXX  credit report. As of today, Capio Partners are now reporting these same accounts to my XXXX XXXX credit report. Once again, I have not received a notice of my right to dispute, and I am demanding that these accounts be deleted from my XXXX XXXX report.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MA)

I requested a cash back withdraw of XXXX on XX/XX/XXXX. I was only given an amount of XXXX in my checking account on XXXX. Working in development I figured that there was a rounding or input error and was trying to get someone to look into the event. The first call I made on XXXX was unsuccessful because of the lack of business days passing between the request and their guaranteed date.When I called today I was left on hold for 25 minutes with no response and when trying to contact through messaging I was told to call the number that was not helping earlier. I don't think the bank Comentity is a legitimate banking practice if they are making errors like this when money is involved.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

This complaint is about my credit score. The  XXXX  companies are  XXXX  and Equifax. I have established and maintained outstanding credit for over 30 years. I 've paid off  XXXX  houses ; bought and paid for several vehicles, appliances. Credit card usage is only 7 %. Otherwise, no problems excep t one. I h ave and outstanding collection in the amount of {$250.00}. By the way the collection is in dispute. Currently my credit scores are  XXXX  and  XXXX  respectively. As you are well aware, these scores are rated fair at best. Also, any loan available to me are at a much elevated interest rate. I spoke to  one of t he companies today. I voiced my concerns. Number  one, the  person on the phone was unquilified and unable to help me get to the bottom of my complaint. Numbe r two, I  asked to speak to a supervisor but was refused. The refusal, I bilieve, was because the person on the other end of the phne was sitting in a call center in  XXXX . The crux of my complaint is agencies that collect and report all my financial activity assigns a score that is religiously used by lending institutions. The methodology they use is unregulated and subjective. It suppose to represent an individuals tendency to repay. my track record is stellar. Yet, with a minor deviation I am placed in a high risk pool. Somebody needs to fix this.
Consumer complaint received 2019-06-26
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: EQUIFAX, INC. (TX)

l have contact all three credit bureau and stated that have been a victim of identity theft. I was told to send certain documents to prove that i was victim of identity theft. I sent all documents on XX/XX/XXXX and placed a fraud alert on my credit and the fraud accounts are still there.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-10-18
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2017-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (DE)

BMW financial services is reporting me 30 days delinquent for my XXXX XXXX 2017 payment. I made this payment and it withdrew from my account on XX/XX/XXXX. Less than XXXX calendar days later. It was due on XX/XX/XXXX and posted to their account on XX/XX/XXXX.  There should not have been any credit reporting. This has dropped my FICO score significantly.
Consumer complaint received 2017-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

I have been writing letters to this company for m ore than two years. I 've made several request for this company to several times that I be provided with a copy of the complete payment history, proof of agreement which bears the signature of the alleged debtor showing that there had been an agreement to pay the original balance, letter of sale or assignment  from the original creditor. None of these has been sent to me. Nothing has been done. They are reporting items that are unsubstantiated.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The original creditor is   XXXX   XXXX   XXXX  . I had a  XXXX  and   XXXX   XXXX    Store card  with them. I got behind on both accounts. They were both charged off.They were also both bought by  Portfolio Recovery. I go t a notice from  Portfolio recovery  on   XXXX   XXXX   XXXX    . I settled out for both of the debts. (  XXXX - {$300.00 } ) and (   XXXX   XXXX  - {$300.00} ). They both was settled after the charge off. However, i never received my reque sted letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all three credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-06-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I n  XX/XX/XXXX  - XX/XX/XXXX ,  I was enrolled in   XXXX   XXXX   XXXX   XXXX   XXXX    onli ne. While attending, I had to apply for  a Tuition Answer privat e loan with a co-signer through    XXXX   XXXX  .  As I can recall, I had applied for  XXXX  private loan instead of  XXXX . Currently, I 'm aware that you have filed a lawsuit against  Navient. I re cently noticed this information and needed to send you my information regarding my account and any issues wi th Navient. I 've  performed an investigation on my account regarding all my loans  - Federal and Private. Currently , all of my subsidized and unsubsidized federal loans have been consolidated and sent to  XXXX . However, I have  XXXX  private loans dated back from   XX/XX/XXXX .  Here are the listed private loans in question : Disbursement   XX/XX/XXXX  - T uition Answer - {$7300.00}, Interest 5.50 %, Total Balance : {$9900.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursement XX/XX/XXXX   - Tuitio n Answer - {$4100.00}, Interest 5.50 %, Total balance : {$4800.00} ( This loan is listed on my account detail ). Interest Rate Reduction -- Status : Disqualified Disbursemen t  XX/XX/XXXX -  Signature Student - {$6000.00}, Interest 9.125 %, Total Balance : {$8600.00} ( This loan is not listed on my account detail  ). Direct Repay -- Status : Elig ible.  <P/>  Navient has b een contacted for them to send me the signed promissory notes for each of these private loans. The representative stated that I would receive them by the end of  XX/XX/XXXX , no later than the first week of   XX/XX/XXXX .  In addition, while paying on my loans I 've contacte d Navient in    XX/XX/XXXX ,  XX/XX/XXXX  or  XX/XX/XXXX  regarding removal of my co-signer. They stated that I had to make 12 on-time consecuti ve monthly payments and a credit check, in order to remove the co-signer. I have been  XXXX  month late because my paycheck did not fall on that date which caused my account to be delinquent . Navient h as never told me about a grace period after the due date which is the   XX/XX/XXXX   of every month. As for income-based repayment, I could not get that for my private loans it was only offered for federal loans.  <P/> I have a copy of my account detail breakdown for you to see what is going on with my account. I 'm trying to get an understanding as to why the interest is more on  one  account than the other and they are close in age. In addition, why is  Navient charging me for loans I have n't applied for, and why Navient does not offer inco me-based repayment for private loans? Please check on any illegal deferment or forbearances that were placed on my account.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (GA)

Hello I filed a complaint in  XXXX  to have  National Credit  systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help.   XXXX   and   XXXX   f  ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since  XXXX  and I 'm getting the run around.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (CA)

On  XXXX   XXXX ,    2017  under the guise of " 0 % APR for 12 months '' I applied and was accepted for a credit card with Navy Federal Credit Union. I was doing a balance transfer to avoid paying interest for 12 months from another bank. To be clear, there is no reason I would have ever applied for this card had I been informed that I would be paying interest right from the start at an even higher rate than the credit issuer I was transferring from. I was mislead by a representative over the phone and by dubious and unclear marketing materials that were on their website. I have tried to resolve the issue with them but they have said that unless I have the promotional code, there is nothing they can do.     Here is a link that I found which was exactly what I was expecting the terms of the credit card to be.     https : //www.navyfederal.org/srenlisted/includes/SROcreditCards.php
Consumer complaint received 2017-07-31
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: EQUIFAX, INC. (ND)

I am a victim of identity theft. Someone opened two fraudulent and unauthorized personal loan accounts using my personal information. The fraudulent accounts do n't belong to me. The fraudulent accounts is showing on my XXXX XXXX, Equifax and XXXX credit report. I have never applied for a personal loan. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, Loan Number : XXXX and XXXX By XXXX XXXX, Loan Number : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I have never lived at the above address. The following credit inquiry is fraudulent and unauthorized : XXXX  XXXX, XX/XX/2017.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (FL)

paid my loan in full on  XXXX / XXXX / 2017  and is still reporting as an open account affecting me getting approved for a mortgage . Bmw financial services said there is nothing they can do I have filed a dispute with  XXXX  and they said BMW i s not responding. although the account has been paid it is still reflecting on my credit file as open.
Consumer complaint received 2017-06-12
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: EQUIFAX, INC. (AL)

On my equifax credit report, there 's an account that was removed a while back and now it 's been added back. The account is  XXXX   years old.  But there was no notifications sent to me about this and with it being added back to my report it dropped my score dramatically!! I 'm pursuing a job currently so this has the possibility of affecting my chances of employment. The account is   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I am a victim of identity theft.  XXXX ,  XXXX   and Trans Union  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

This collection agency out of no where added a collection to my report in which they failed to validate debt or furnish any proof of correct identity. It was reported on  XXXX  2017. I am not aware of this collection and it is messing up my credit score.