davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-04
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: Bread Financial Holdings, Inc. (FL)

I made a purchase of {$57.00} from XXXX XXXX XXXX at XXXX XXXX XXXX FL on XX/XX/2018. The sales representative always market their credit card when a consumer is making any purchase. I signed up for the credit card and thought there will be an approval notice sent at my mailing address. They asked for my card to make a payment of {$57.00}. Hence, I though that the payment has been made. 
In the mean time I have not received any mail, email or phone call and I don't know how an XXXX credit card looks like. However, I received a call from one of the representative in the month of XX/XX/XXXX saying that I have an outstanding amount of {$120.00} on my credit card. They made a credit report for late payment which significantly lowered my credit score. I filed a complain as I believe the terms and conditions and the policy of the credit card was not mentioned to me clearly. It was clearly a miscommunication on their part. In addition, I want an explanation as to why I have not received my XXXX card or any additional information for the card I have signed up. 
They did an investigation based on a fraudulent case and as per the investigation they can not make any change to my credit report. 
I went to the store to speak with the manager and she explained me that the situation is not in her hand. My point is if you are constantly marketing for a product why are you not taking liability for the miscommunication? It can be human error! 
I have not make any late payments in the past and I have made a payment if I knew about it. Why am I held liable for a late payment if I haven't even received the card? 
In the last conversation I had with the representative, they told me that the amount of {$57.00} is due for the month of the XX/XX/XXXX but I didn't receive any bill in the mail or email. I had to call them to know the amount due date and the amount due and made the payment on XX/XX/XXXX. The service is awful! All this company cares is people to sign up for their credit card and when it comes to providing service they are simply ignorant.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (CA)

For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER. THERES NO REASON FOR THIS CREDIT COMPANY TO CONTINUE TO REPORT AND FURNISH FRAUD ACCOUNTS ON MY CREDIT REPORT, MOVING FORWARD ILL WILL BE SUEING THIS COMPANY FOR NOT HONORING AND RESPECTING MY CONSUMER RIGHTS, AND FOR AGGRAVATED IDENTITY THEFT FOR FURNISHING AND REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc. (VA)

I am not liable for this debt with CREDIT COLLECTION SERVICES.I do not have a contract with CREDIT COLLECTION SERVICES. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (TX)

I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.
Consumer complaint received 2017-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Account Management Resources (OK)

Balance is now XXXX ; however, I only received one phone call about this account and I requested a paper bill in order to send payment. Paper bill was never received and I received no other phone call before this was sent to collections.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (PA)

Last month I filed a complaint with the CFPB, about how XXXX continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. 
I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. 
I also want the XXXX XXXX 's that belong to my son removed from my profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  both XXXX XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IN)

I have disputed this account with the CFPB and the company has not honored any of my efforts. 
As I take a closer look Ive recognized that the information they've reported to the XXXX major CRAs do not add up. So not only have my rights been violated as stated in my previous CFPB report, but the info in the consumer reports are also inaccurate. Pictures will be attached, inaccuracies color coded.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Between XX/XX/2023 and XX/XX/2023, Webster Bank planned to implement system upgrade and all accounts were not accessible to all of their clients, including me. Webster Bank said that access to my account would be restored today, XX/XX/2023. 

I was unable to log in today and access my account online and also through their mobile banking app on my phone. I called the customer service line and was on the phone with the representative. She was unable to help me and said that my account sill needed to be " set up '' for access and she would initiate that process. She said that it would take three days. 

I need to access my account right away. Them having to shut down access for the weekend for the system upgrade was inconvenient and not ideal, but I accepted it. Them not being able to give me access to my account for another three days is not acceptable.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc. (GA)

BOUNCE AI INCXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> is when it appears account was opened and it is false information on my credit report and needs to be removed. I have no knowledge of this account and never did business with this industry.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX, XXXX  there was a credit card open account in my name my address, XXXX supposedly they file a lawsuit against me they didn't even notify me by mail, email call, I didn't receive court documents to respond, they went and did a levy on my bank account took all my money closed my account, closed my XXXX account, I had contacted the bank cause my money was gone they told me than I didn't know this was going on, this took place on XXXX
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (CA)

I HAD A VERY SMALL AMOUNT THAT WAS OWED TO WELLS FARGO BANK CARD AND BECAUSE OF A DISPUTE AND REQUEST FOR A REFUND ON A FEE THAT WAS CHARGED, I WAS ASSIGNED A 30 DAY LATE NOTICE WHICH HAS REALLY HURT ME GREATLY. 

I WAS EXPLAINING TO THE WOMEN THE REASON THAT I WAS NOT PAYING THAT AMOUNT AND ALSO TOLD HER THAT I DID NOT HAVE THE FUNDS AT THAT TIME AND SHE WAS ANGRY CAUSE I DID HAVE THE AMOUNT IN MY ACCOUNT. I NEEDED THAT FOR OTHER REASON AND SAID I WOULD PAY IF I HAD TO IN A FEW DAYS BUT NOT NOW. SHE DECIDED TO GIVE ME A 30 DAY LATE WHICH HAS HURT ME BIG TIME OVER THE LAST 6 YEARS. 

I AM A XXXX AND I AM IN NEED OF THIS TO BE TAKEN OFF MY RECORD IMMEDIATELY. IT HAS BEEN OVER 6 YEARS AND 4 MONTHS AND WILL COME OFF IN 8 MONTHS AUTOMATICALLY. NEED THIS OFF NOW, THIS IS THE ONLY 30 DAY LATE I HAVE HAD IN OVER 10 YEARS. I HAVE PAID ALL MY BILLS ON TIME WITH A PERFECT SCORE EXCEPT FOR THIS ONE 30 DAY LATE WHICH IS CAUSING ME TO BE TURNED DOWN FOR CREDIT
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Went to Bank of America in XXXX Florida. Spoke with a banker who provided me with the phone number XXXX. I spoke with XXXX who informed me that my case was close in regards to handling my brothers estate due to another individual coming into the bank, and claiming relations to my brother XXXX XXXX. The probate team for bank of America claimed that a granddaughter claimed his assets. My brother does not have any children and never had a spouse. I provided Bank of Americas probate team with my certified documents that I have attached to this complaint. Bank of America stated that it will take them a week to verify the validity of my documentation. I followed up with them on the following Wednesday, which was XX/XX/2023 and they confirmed the validity of my documentation, but was not able to provide me with any additional explanation as of what took place with his funds and what the next steps will be. I followed up again on XX/XX/XXXX and I spoke with XXXX, who stated that they will mail me some sort of documentation. I did receive a notice from Bank of America not necessarily, addressing any of the questions asked, but stating that they have received my request and the accounts were close. The documentation did not address who the funds were provided to, no guidance on if I need to do any type of FDIC claims, and no inclination of how his assets will be retrieved. 
There are a couple of accounts that are involved a checking and a savings account at Bank of America and the account numbers are XXXX & XXXX. At this point, I feel like Bank of America is giving me the runaround and avoiding the problem at hand, which is what happened to the XXXX XXXX dollars in his accounts. I took the liberty to attach the documentation per your investigation. Thank you in advance.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Contemporary Information Corp (TX)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at before. XXXX XXXX XXXX XXXX, TX XXXX. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2017-02-03
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC. (TN)

If I need to file bankruptcy, XXXX XXXX is the cause. 
I 'd been with XXXX XXXX for years as they offered both payday loans and a XXXX cash loan with a total pay off of XXXX. In XXXX XXXX I went in to XXXX XXXX and was told they had switched to a new flex loan that would " save me money '' but because it was so new the clerk did not no the details. That 's when things got out of control. I was making regular payments with automatic deductions from my banking account and not getting a bill. Three months later I went into the store and was told I only had {$35.00} in credit ; that 's when it hit me! I had made approx. 3 payments of {$700.00} dollars thinking I was getting close to the end of this loan. I did file a complaint and agreed upon a settlement with the company when I received a tax refund in XXXX XXXX. I spoke to a very nice company rep and we settled on a payment arrangement and was also given a 30 % rebate off their product. Once again, I found myself as a customer of theirs as if I had n't learned my lesson and I am in a worse boat then ever. I do n't believe the 30 % was applied to this loan and out of desperation I went to another pay day loan to take out a new loan to pay off XXXX XXXX and am now up to XXXX. Yes, I am taking fault as I wanted to make payments but these companies make so you will NEVER got out of debt with them. The additional XXXX companies I used are Check Into Cash and XXXX. Between the XXXX companies, they 've eaten up XXXX of my paycheck as they automatically take the money from my account. I am behind on all my bills and even two months behind on my mortgage because I am trying to pay them off. What I owe is greater than what I initially borrowed with each of these companies. With Check into Cash, I tried to make a payment over the amount due and was told by the manager " my computer wo n't let me do that. '' These companies are impacting my quality of lie and health. In XXXX I was XXXX and the XXXX was way better than dealing with these companies. I make a decent living and they are robbing me blind, but what about the people on a fixed income who use these products. Each of these companies pretend to be transparent with their fees but are not. I 've signed papers with each of these companies and still do n't feel satisfied with their representation. 
My main complaint is why are these companies allowed to do business? If I do n't pay them back, is somebody going to come and XXXX as this situation must be worse than dealing with a loan shark. The people that use these products are not rich to begin with and they are really preying on this group. They do n't care about people at all, just their money and are stealing people blind.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (NJ)

I hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries 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