davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Navient has been the worst company to deal with. I can not seem to make a dent in my student loans. The lowest payment i can afford and offered only covers interest. How will these loans ever get paid off! I have asked in the past for better options, and their advice to me was to go back to school and take out more loans that way it stops payments while going back to school to rack up more debt. Worst advice ever. I am XXXX years old and can not afford to buy a home because of student loan debt. Things need to change. The XXXX XXXX  XXXX  they offered at XXXX  XXXX University does not offer return on investment of this debt. That alone is also a scam to a young adult trying to do the right thing, by getting a college education, expecting to graduate making enough money to survive. In reality I graduated, got offered a job making {$11.00} per hour. I had to go back to waiting tables because I could not afford to live off {$11.00} per hour at the time, and eventually gave up hopes of utilizing my XXXX XXXX that ultimately means nothing to employers.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMEX XXXX, AMEX XXXX, AMEX XXXX
Consumer complaint received 2024-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, I am a XXXX Veteran, and I was approved for a Capital One Auto Loan for amount {$110000.00}. They say I have to go to the dealership XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I need to know my rights and if I am being taking advantage of by both the dealership and lender Capital One. I went to the dealership today and they want me to put a down payment to reduce the monthly balance from {$1300.00} to {$950.00}. They keep trying to be forcing me into a sedan which I didn't want because I told them that I only wanted SUV 's. I feel like I am being taken advantage of and being forced into deals that I do not want, and I need your assistance.
Consumer complaint received 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance XXXXarrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A. (CA)

On XX/XX/2024 I wrote a City Bank check payable to XXXX XXXX Bank for the amount of {$1400.00} dollars and this check never was paid to XXXX  XXXX bank instead was paid on XX/XX/2024 to a person name XXXX XXXX a mistake ( fraud ) done by a city bank I call several times to city bank and they told me that they will fix the problem and I should get credit back on my credit card this was 3 months ago now they told me that that case is close and I have to to pay them that why I'm filling a complain
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (GA)

I am a victim of identity theft and you have a FTC affidavit/police report that you submitted to the Credit Bureau but they refused to remove the fraudulent accounts. '' I have no knowledge of the accounts and requested the bureaus provide you with information regarding their decision and they are violating your consumer rights by refusing to provide you with proof
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXXXXXX XXXX XXXXXXXX Reported to XXXX with an account number of XXXX and also reporting to Experian as a charge off with payment history and through XXXX with no XXXX year payment history reported at all. These accounts are incomplet and inaccurate. 

I mailed out a letter to each of the previously mentioned companies on XX/XX/2024. Its been over 35 days with no response and according to 15USC 1681 i ( 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 sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the 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.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-30
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. (IL)

Date Today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 
LIST OF ACCOUNTS WITH LATE PAYMENTS Past late payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) Date XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date XXXX XXXX ( XXXX ). Date XXXX, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) Date XX/XX/XXXX XXXX XXXX XXXX ) Date XX/XX/XXXX XXXX  ( XXXX ) Date XX/XX/XXXX XXXX XXXX ( XXXX ) Date XX/XX/XXXXXXXX XXXX ( XXXX ) Date XXXX XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed. 
I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-07-29
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. (IL)

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
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. (IL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an personal credit card account ( XXXXXXXX XXXX  Account number : XXXX ) 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 XX/XX/XXXX and XX/XX/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.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
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: Experian Information Solutions Inc. (MA)

I looked at a copy of my credit report and noticed several inaccuracies on my report. 
these accounts are hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the items Iam asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I went in to Citibank located at XXXX XXXX XXXX in XXXX. When I went in to use the ATM there was several people standing around the ATM. Two men were using the machine left and right, leaving the middle ATM open. While standing online I ask the lady in front of me was she waiting to use the machine. She did not respond and moved to the side allowing me to use the ATM in the middle. I attempted to use the ATM putting my information in the machine and notice it was not working. The man on the left of me told me the machine worked and grab my card to show me that the machine worked by tapping it. When I looked up at the display my account was on screen and the man switched the card and handed me back a bogus card. I learned the following day that over {$48000.00} was withdrawn from my account through multiple transaction. There were over 40 transactions and the bank did not notify me nor send me an alert for the unusual activity that was happening on my account. After noticing these activities I alerted the fraud department on XX/XX/XXXX, a day after and the bank has not refunded my money nor given me a temporary credit for these fraud transactions.
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: SYNCHRONY FINANCIAL (AZ)

I have paid this credit card since XXXX of XX/XX/2024but they have failed to report my XXXX balances to the credit bureaus. My credit report says I still owe {$3400.00} and I owe XXXX! This is affecting my credit score and my ability to buy a home.
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C. (OH)

I was contacted by mail and received XXXX of the same letters on the same day. 
This is regarding some type of collection matter with XXXX XXXX and I had never had an account with them. 
This notice is deceptive in the sense that it has the letterhead of the law firm Eltman Law P.C., however it continues state " no attorney in the firm has personally reviewed the particular circumstances of your account ''. I believe this law firm in in violation of several state and federal laws. Particularly the FDCPA, OCSPA, FCRA and possibly the TCPA should any fraudulent calls to my telephone be made since I listed it with this complaint. I have not received any documents bearing my signature and believe this is fraud. I would like to also put them on notice that I do not wish to be contacted except by mail. The letter also states that the firm has been retained, however no due diligence has been made by XXXX XXXX to determine the validity of the false demand for the collection of the so called debt.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (TX)

First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them.
Consumer complaint received 2015-09-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (GA)

In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. 

On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.
Consumer complaint received 2015-10-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Green Square Company LLC. (NC)

I have received several voicemail recordings from XXXX XXXX XXXX ( XXXX ). Latest one was today XX/XX/XXXX at XXXX EST. They claim that I have an unpaid loan and need a statement from me or my lawyer. I have spoken to them in the past and informed them I do n't have any outstanding debt, and to send me a letter via mail with any statements. They have yet to do that. I asked them to stop the harassing phone calls, and that has not stop either.
Consumer complaint received 2024-07-30
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. (NV)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/year>, I opened a Bank of America credit card with a 0 % interest promotion, but I was late in realizing that a minimum payment was still required, unlike other 0 % interest cards Ive had. My first payment was due on XX/XX/XXXX. When I tried to make a payment and set up automatic bill pay, I discovered I was locked out of online payments, and the bank required me to pay over the phone. On XX/XX/XXXX I attempted to pay via their automated phone system, but later discovered it wasnt processed. On XX/XX/XXXX after discovering the phone payment hadn't been processed, I called a representative and was told my account was locked due to being past due, but I could manually pay over the phone with that agent. Without my account details handy, I said I'd call back. That evening I realized I could use points to apply a {$250.00} statement credit, which I later confirmed had been posted. However, I later learned the hard way that Bank of America doesnt count statement credits toward payment obligations, unlike other banks such as XXXX XXXX XXXX XXXX anXXXX XXXX XXXXXXXX. On XX/XX/XXXX I realized this when I was notified that a past-due report had been sent to the credit bureaus, damaging my credit. Since this episode, Ive remained locked out of making online payments. Multiple agents promised my access would be restored once my account is current, the issue persists even though I've paid off my balance completely. This ongoing issue, combined with Bank of America 's unclear policies about applying statement credits, has caused significant frustration and financial damage due to their anti-consumer practices.