davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees. 

I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}. 

XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account. 

Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account. 

I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account. 

I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen. 

I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.
Consumer complaint received 2022-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-01-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc. (CA)

On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.
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)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

My FFELP loans through Navient ( I have two consolidated loans through them ) continue to accrue interest. Im not able to see this on their website, but its being reported to the credit bureaus. I noticed that they are increasing my student loan principle by charging interest each month. This has happened for XXXX and XXXX and I assume they will continue doing this despite the interest freeze unless I file a complaint. 

I have no income right now and am on a income driven repayment program. I know that there is an interest freeze from the Biden administration, and it looks to me like Navient is ignoring this and just continuing to charge interest anyway.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I had purchased crypto coins from coinbase. as days went, the amount of crypto coins were in my wallet started to disappear. I called coinbase, there was no response for a few days. I was finally able to get a hold of them eventually, when they picked up the phone, they said that there was a glitch in the system that lowered the coins in the wallet. They took the blame for it and but they never returned the coins.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX  XXXX XXXX is way out of line with this reporting a missed payment from XX/XX/XXXX as late in XXXX XXXX XXXX XXXX and XXXX of XXXX almost 3 years XXXX my dates are off a little but 3 years is a lot to long to wait to report it late payment
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (NJ)

THIS HAS NEGATIVELY AFFECTED MY CREDIT AND ABILITY TO MOVE AHEAD IN LIFE. XXXX COMPANIES THAT WERE INCLUDED ON A BANKRUPTCY, WHICH HAS BEEN DISCHARGED XXXX YEARS AGO IN FEDERAL COURT. 

AVANT PROSPER MARKETPLACE BOTH FIRMS HAVE CONTINUED TO REPORT THAT ACCOUNT IS ACTIVE WITH AN ACTIVE BALANVE AND IM MISSED PAYMENTS! 

BOTH COMPANIES WERE ON BANKRUPTCY AND WERE INFORMED BY MAIL BY MY ATTORNEY AND THE US FEDERAL COURT. 

I WANT TO SUE THEM. I HAVE CALLED BOTH COMPANIES IN THE PAST XXXX YEARS TO EXPLAIN WHAT THEY ARE DOING IS BREAKING THE LAW, AS FAR AS REPORTING ACTIVE ACCOUNTS AND ACTIVE BALANCES. I DONT CARE THEY REPORT BALANCE WAS DISCHARGED THATS OK. THIS HAS PREVENTED ME FROM GETTING THE PETSONAL AND BUSINESS CREDIT I DESPERATELY NEEDED AND NEED ESPECIALLY DURING COVID, WHICH CAUSED MY BUSINESS TO LOSE 75 % OF ITS VALUE IN THE PADT XXXX YEARS. 

HOW DO I PROCEED WITH LIABLE LAWSUITS?
Consumer complaint received 2022-01-11
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. (PA)

I sent XXXX XXXX  A cease and desist on XX/XX/2021. Pursuant to the FDCPA theyre willfully violating my federally protected rights. A cease and desist is to cease all forms of communication. And communication pursuant to the FDCPA means to convey information regarding a debt directly or indirectly through any medium. XXXX XXXX is harming my reputation to lenders by not abiding by my rights. This is causing me great harm when it comes to me providing for my family by constantly being denied due to XXXX XXXX not ceasing communication through all mediums
Consumer complaint received 2023-06-09
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. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my current credit report from your bureau, I came across the disputed items, and I don't think they are 100 % correct. Please investigate and correct the unlawful behavior immediately. 
Below are the list of the Items : ( XXXX XXXX XXXX XXXXXXXX ***** Opened XX/XX/XXXX Balance {$1700.00} ) This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to 0 or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. 
( XXXXXXXX XXXX  ***** XXXX XXXX, XXXX XXXX {$0.00} ) Evaluate this reporting by making a revision of the information provided. There is an existing balance on the account, and indicates that it was a charge off account? Modify and perform any corrections or withdraw this from my personal file. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$120.00} ) This account evidently has a communications debt. In order to do so please provide your FCC identifier number and send the documentation that this in fact belongs to me and on my credit report. Because as I see it is not as it is clear they are attempting to collect on an out of statute debt. Please investigate and correct the unlawful behavior immediately.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?
Consumer complaint received 2024-11-05
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. (HI)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Transunion XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$0.00}
Consumer complaint received 2022-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Recovery Management Solutions LLC (KY)

I was contacted on XX/XX/2022 by XXXX  a third party collector for XXXX XXXX. XXXX XXXX is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify XXXX  who will then notify Lendmark to update the tradeline as paid. Due to this agreement that XXXX  was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay XXXX they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX  asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX  has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX  used incorrect collection practices and they need to rectify this issue.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-06-09
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. (NY)

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account XXXX : XXXX Please Delete Immediately
Consumer complaint received 2022-01-11
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. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (IA)

XXXX XXXX XXXX - I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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