davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (MS)

I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I received a XXXX XXXX AMERICAN EXPRESS gift card on XX/XX/. This was given as a gift from my work boss. The card is non functional so far, i have attempted multiple purchases all under the XXXX XXXX limit and the card ends up declining without fail. The card IS active and some companies even take out small fees from my balance yet still decline the card. I would like some compensation for this useless card I have received.
Consumer complaint received 2023-03-27
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit 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: BARCLAYS BANK DELAWARE (IL)

I submitted a claim to Barclays Bank about an unauthorized charge of {$600.00}. On XX/XX/ XXXX I received a letter stating that the matter was with a dispute specialist, and it could take up to 45 days to resolve. 
On XX/XX/XXXX I called to check on the progress of my claim and learned they closed the case citing that I did not answer a phone call from them. I was told to resubmit a letter requesting that the claim be reopened. 
On XXXX XXXX I mailed a letter requesting they reopen my claim. 
On XX/XX/XXXX I spoke to the dispute department, who transferred me to the fraud department who then transferred me back to the dispute department where XXXX assured me that a manager would call me within 48 as they do not have managers on site. I never received a call. 
On XX/XX/XXXX I spoke to XXXX in the fraud department who sent my call to XXXX in disputes. XXXX said the manager would call me within 24 hours. Again, I did not receive a call. 
On XX/XX/XXXX I spoke to XXXX who said a manager would call me within 48 hours. 
As of today XX/XX/, I have still not received a phone call from a manager at Barclays Bank nor has the charge been removed from my account. 
I find their handling of my claim unprofessional and dishonest ; I would like this charge removed and reimbursement for the interest that I have been charged.
Consumer complaint received 2023-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AdvantageFirst Lending Inc. (CA)

Received advertisement meant to misled recipient into believing that 1 ) there are new benefits available as part of my existing mortgage program ( rather than a refinance ) that will allow the deferral of payments ( which is a terrible misrepresentation of what occurs with loan payments with a refinance ) and cash-in-hand, and that this information and offer was coming from the company that originated my existing mortgage. You will see that the windows of the envelope in which came the message hide the true sender, AdvantageFirst Lending, and represents that the originating lender, " XXXX XXXX XXXX '' is the sender.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I used my bank of America XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days Bank Of America reported it to XXXX. XXXX immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.
Consumer complaint received 2024-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (TX)

Dear Sir/Madam, I am writing to file a formal complaint regarding a concerning issue with my student loans that have been discharged under the XXXX XXXX XXXX ruling . I attended XXXX XXXX XXXX, and as a result of this ruling, both the Department of Education and Mohela had previously cleared my student loan balance to {$0.00}. 

However, I recently discovered that my balance with Mohela has inexplicably increased to almost {$40000.00}. This sudden reappearance of a significant loan balance is deeply troubling and has caused me considerable distress and confusion. 

Furthermore, I would like to bring to your attention that Mohela has incorrectly categorized these loans as being in repayment status, when they are supposed to be in administrative forbearance until a borrower defense application is processed. This has further exacerbated the issue and has created unnecessary financial strain on me. 

As a member of the XXXX with a XXXX XXXX, I am required to maintain good financial standing and can not afford to have any negative credit implications. The incorrect classification of these loans and the sudden appearance of this debt could jeopardize my XXXX XXXX and have serious consequences for my XXXX career. 

I have diligently followed all procedures and requirements for the discharge of my student loans under the XXXX v. XXXX ruling, and it is unacceptable that my previously cleared balance has been reinstated without any justification or explanation. 

This situation has caused me significant financial hardship and emotional stress, as I had relied on the assurance that my student loans were fully discharged. The sudden reappearance of this debt, coupled with the incorrect repayment status, has put me in a precarious financial situation and has disrupted my plans for the future. 

I request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. I urge you to ensure that my student loan discharge under the XXXX v. XXXX ruling is honored, that my balance with Mohela is corrected accordingly, and that the loans are placed in the appropriate administrative forbearance status until a borrower defense application is processed. 

Additionally, I would appreciate any assistance or guidance you can provide to help resolve this issue and alleviate the undue burden it has placed on me. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution to this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A few months ago I reported Bank Of America XXXX consumer financial protection bureau for decreasing my fico score and submitting false information to the credit bureaus. In regards to the initial complaint filed I received a letter from them which read ( we won't be adjusting our reporting like you requested and consider your dispute resolved. ) I want to file a discrimination complaint on the person composed this letter you will find it in the attachment below.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax is reporting the wrong addresses on my credit report listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-11-13
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have my dispute resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Home Mortgage is servicing my home loan and I would appreciate if you could reach out to them on my behalf and stop the sale of my home scheduled for XX/XX/2018. They have NEVER provided me with any sort of assistance on my mortgage, although I have tried to work with them for years. Due to an ugly separation, loss of income from my business, and other unexpected expenses, I fell behind on my mortgage seven years ago. I contacted Chase for assistance, but got the runaround and told that I did not have sufficient income. However, they are wrong as my business income has improved, my wife is working and she just started a new business. I tried as late as a month ago to get Chase to work with me, but they said it was too late to submit a modification package. I was told by a lady at Chase that there wasnt anything that will keep my home from selling in a foreclosure, but I feel there must be something they could have done and still can do. I have never had a modification, forbearance or any other type of assistance and really need your help to save my home. I wish the lady I spoke with this last time actually took her time and would have seen that I am qualified for assistance through a loan modification. I feel that she did not do her job and I could already be on the way to getting a modification, if I could have been allowed to submit my information. This I believe is wrong and I would like for you to look into what they are doing with my loan. This loan should have already been modified.
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (SC)

I have charge offs and late fees from Barclays Bank Delaware. The dates the card was open was XX/XX/2019. I never received a bill or anything from this company. I had no idea I have a balance of {$490.00}. I have reached out to them three times and I never heard anything back from them why I never got a bill or anything from the company since 2019. I never got a email or bill from them saying the account was closed either. I want the charge off and late fees off of my account since I have no idea about this and not my fault
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2023 Genesis Collection agency has stated I owe an amount of {$12000.00} from a apartment complex called XXXX XXXX XXXX XXXX I have reached out to the company regarding the matter and they have not yet sent anything regarding proof of ownership.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (MD)

Self lender secured loan opened on XXXX XXXX paid loan off in a year, got a new loan with a secured line for credit for {$850.00} using the money I deposited from my secured loan. As of XXXX  XXXX I attempted several times to close the accounts, which self lender refused to do. I am being charged a monthly late fee for a secured credit card with no balance & I am receiving negative marks on my credit because of this. Self has even sent a new card agreement in XX/XX/XXXX that I dont agree with with chain terms.
Consumer complaint received 2023-12-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XXXX XXXX. A friend of mine in XXXX request a help of {$36.00} to send to buy medicine. I transfer the money for her by MoneyGram under Ref # XXXX. I do not know that this account was closed by my friend and no one have access to this account anymore. My money went and deposited to that close account. I call MoneyGram told them guys sorry this account is closed so please I need to refund back my money. They do invistigatioin for 3 month and then tell me that's it this Money already deposited. Ok but the account is closed, why I loss my money and nobody able to use it, no response from MoneyGram or and action. Say that's it we can not refund back this money .This kind of fraud.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by
the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I insist that your bureau undertakes a thorough investigation into this matter and takes immediate action to correct the inaccuracies in reporting. The late payment dates must be updated to accurately reflect the true timeline of my payments, ensuring a fair and transparent representation of my credit history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
These inaccuracies not only tarnish my credit report but also have real-life implications on my ability to secure credit, loans, and other financial opportunities. I believe in the importance of accurate credit reporting, and I expect your bureau to uphold the highest standards in this regard. I request that you provide me with a written response detailing the steps taken to investigate and correct the inaccuracies on my credit report. Additionally, I urge your bureau to expedite the update of my credit report to reflect the accurate payment history without any further delay.
Consumer complaint received 2023-12-27
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: OneMain Finance Corporation (GA)

For almost a year now, I have been attempting to have ONEMAIN removed from my credit profile. This account is inaccurate and by the means of fraud. Ive never had a one main account ever and this has been hurting my ability to Bank and my ability to function in society. Ive been reporting this matter for over a year now and XXXX continues to report this innaccurate information on my account. 

By FCRA they have the duty of removing and correcting Inaccurate, incomplete, or unverifiable information usually within 30 days. 


Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

- If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 


Due to the overt disregard for the Law which all credit reporting agencies and furnishers must comply by I demand a serious removal of the ONEMAIN account from my credit reporting profiles immediately also The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRA ) demanding that furnishers and credit reporting agencies adhere to my rights and obligations. 

this had been demeaning and hurtful to my ability to BANK, LIVE, WORK. and ive stated with clearness that this is Not mine never been my account and I wish for this to be REMOVED!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

There was a HARD INQUIRY reported to XXXX on XXXXXXXX  by Macys. This was done fraudulently by Macys and without my understanding or approval as a result of false information provided to me by one of their employees. I was placing an order for merchandise from their website via the phone. The person I was speaking to told me that I would get an additional discount on my order if I applied for their credit card. I told her that my credit was rated as FAIR, and therefore I would probably not be approved. She assured me that a credit credit check / inquiry would NOT affect my credit score. I believed her, and therefore applied for a Macy 's credit card over the phone. I soon thereafter called the appropriate department to check on my approval and found that it only took them 15 minutes to immediately decline my application for credit. I later discovered that the credit check was indeed a HARD INQUIRY that now appears on my XXXX Credit Report. I would never have applied for credit if I had been told that it was going to be a Hard Inquiry. Therefore, please remove this HARD INQUIRY reported by Macys on XXXX.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (PA)

I submitted XXXX disputes to XXXX- the last one they claim was resolved on XX/XX/30. They have not provided me a copy of my signed credit application as requested twice. 


Remarks Account previously in dispute-now resolved. reported by credit grant ; UNPAID BALANCE CHARGED OFF
Consumer complaint received 2023-04-25
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.