davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.
Consumer complaint received 2024-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

- Proof of Payment XX/XX/XXXX : paid by XXXX XXXX XXXX on behalf me ( XXXX XXXX XXXX XXXX, Bld XXXX, XXXX XXXX, XXXX AZ XXXX. Phone : XXXX, check date : XX/XX/XXXX ) for amounts of {$10000.00}, {$980.00}, {$5700.00} to XXXX XXXX ( Please, Check Exhibit # XXXX, Page XXXX ) - Proof of payment for XX/XX/XXXX : I paid using my bank account ( XXXX XXXX posted on XX/XX/XXXX ) for an amount of {$6200.00} paid ( Please, Check Exhibit # XXXX, Page XXXX ) to XXXX XXXX - For number of XXXX payments ( Please, Check Exhibit # XXXX, Page XXXX ) Mohela claims that I have never made a payment. But my payments are documented on XXXX and on the XXXX XXXX XXXX sent by Mohela. However, my balance is much higher than it should be. they used a calculation called " Adjusted Balance '' and added large amounts in my principal. I thought it might have been applied to interest amount but interest amount on Mohela website is much lower. I called them many times but they don't know what is going on. I submitted proof of payments. Their representative email the account department and they never update my account. Every time, I call them they put me on hold for 1-2 hours. All my attempted have failed so far.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # XXXX
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank is the credit provider for the XXXX store card. XXXX  went out of business and I have not been able to payoff the account. I have tried to contact XXXX at the phone number XXXX, regarding account number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX. I have left several messages since XX/XX/2023, for them to call me back. No one has returned my call. 

Comenity is also the credit provider for my Victoria Secret account XXXX. I have tried to contact this company at XXXX to resolve this credit issue. This account has also been sent to XXXX XXXX XXXX. I have left messages, again since XX/XX/2023, for this company to return my call in order to resolve this delinquency. I have not received any calls to resolve this account. 

I have tried to reach Comenity for my account with Justice XXXX at the phone number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX for collections. I have tried to contact this company several times, to only be given the option of leaving a message. No one has returned my call. 

I am trying to repair my credit, so I may achieve my financial goals and benefit from lower interest rates. I can not get any information on these accounts in order to resolve them. The continued delinquency reporting is hurting my credit. I need help getting these accounts resolved.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number 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.
Consumer complaint received 2023-12-15
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. (GA)

15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I had XXXX student loans from XXXX on my credit report. I was contacted by someone named XXXX from their company in XX/XX/2014 telling me there was a new government program that would remove all the student loans from my credit if I successfully made 6 months of payments, as long as I email him stating that I would n't dispute the loans. I set up an autopay from my bank account to pay my loan and ended up speaking to them again, where they offered me a forbearance period. During this time, they sold my loans to Navient without me being aware. My autopay stopped paying my loans to the new lender and I ended up getting 6 months late on my credit report as a result. Since then, I 've fully paid off all my student loans and am in a terrible situation because I now have XXXX 6 month lates on my credit report.
Consumer complaint received 2024-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/year> I sent XXXX XXXX ( XXXX, email address XXXX ) {$470.00}. XXXX did not receive this. When I called Chase. I was told {$470.00} dollars was deposited into XXXX 's XXXX account. The Chase representative told me to have XXXX XXXX XXXX to confirm he had the money. XXXX went to XXXX put the call on speaker. The XXXX representative stated that XXXX 's XXXX information was correct. However, Chase never sent the {$470.00}. When I called Chase back. I was told to contact XXXX. When I contacted XXXX. The XXXX representative told me to contact Chase. At this point I drove to a Chase XXXX XXXX bank branch. The XXXX XXXX Chase representative told me the {$470.00} was deposited into XXXX XXXX account. I told him that was not the case and suggested calling XXXX and XXXX to clairfy. The Chase representative told me that was not neccesary, because there was nothing he could do. I spent four hours on the phone with Chase and they just transfer me to diffrent departments. In the end I am told they cant help me with recovering the money. XX/XX/year> I requested a Chase representative to check the XXXX transaction to insure the transfer was succesful. The Chase represenative on XX/XX/year> told me the payment went through. That never occured. A false statement.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (CA)

Hello this complaint is in regards to TitleMax in the state of XXXX. My name is XXXX and I got a title loan around XX/XX/XXXX. My first payment of XXXX was due on XX/XX/XXXX. I did make my payments throughout the year of XXXX up until XXXX. I paid well well well over {$10000.00} the original loan amount was {$8800.00} and I am seeing that they had included also a {$220.00} on top of it which totals amount to XXXX I think of the total loan amount which has an annual percentage rate of XXXX XXXX  which interest fees alone its about well over {$30000.00}. Ive currently tried to communicate with the company to see if they will work with me and recalculating all the fees due to the lawsuit they had and unfortunately they dont have any info as to whether or not my account was included or not in the law suit even tho my XXXX XXXX that was taken out XX/XX/XXXX falls in the timeframe that they were enforced to refund consumers and yet no one can give me any info as to helping find out if in fact Im due a XXXX  please help me I cant afford the XXXX  to get repossessed I get XXXX treatments and will be getting a XXXX XXXX  in my XXXX XXXX XXXX XX/XX/XXXX and XXXX begging for help in this and Ive attached my receipts of payments and a copy of the original loan document and the last letter I received from XXXX XXXX XXXX the mistake of something about amounts and it clearly shows what they handed to me and what they paid to XXXX and apparently Im having to pay on that fee that they paid to XXXX and its not fair my loan amount was {$8800.00} at a rate of XXXX XXXX and it shouldnt be {$9100.00} as stated on the loan agreement
Consumer complaint received 2023-06-30
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)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bronstein & Weiss Arbitration (CA)

I received a phone call this morning XXXX XXXX from XXXX Law Office from a person calling himself XXXX XXXX. He claimed that I had a class action suit being filed against me regarding a debt with XXXX XXXX XXXX stating that it was a time sensitive situation on my voicemail. This man called my mom, XXXX sisters, brother in law and his mother ( I do n't even have her phone number ). 
I asked several times for law license number and he refused to give it to me, and I also asked for him to send the claim in writing to the address that he had on file. When I asked to speak to a supervisor he refused and ended the phone call.
Consumer complaint received 2017-04-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I banked @ Huntington. I 've had identity theft. Requested a new card, checking and savings account number. I called 3 days in a row and nothing was done. I went to the branch and the young lady really helped me. While going through her process she noticed a XXXX $ charge trying to come through. She admitted I had serious problems. She opened a new account and debit card. Also disputed the charges against my account. The next day they closed my account and refuse to investigate the charges against me. Everyone in customer service were very rude with attitudes. I ca n't pay my bills. I have nothing. I have to wait for tem to send the XXXX $ back to me. I filed bankrupt, therefore they were willing to open another account. I had identity theft then. Now they are saying I am high risk. My accounts were open when I told them that a representative advised me that it appears to be identity theft. The credit bureau advised me as well. All I am asking is what is owed to me. Customer Service has only given me nasty attitudes. They closed my accounts because of the disputes, although I alerted then when I first recognized them. I have to continue suffering because my direct deposits have to be rerouted as well as my checks bouncing..
Consumer complaint received 2018-08-06
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. (AR)

On XX/XX/XXXX, I mailed a Certified Mail Receipt letter : XXXX XXXX XXXX XXXX XXXX to Experian Credit Bureau to conduct an investigation about the opened fraudulent accounts on my personal credit report. I did not opened nor benefit from this fraudulent account. 

The fraudulent opened account is : XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$80000.00}.
Consumer complaint received 2024-06-03
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. (MI)

XXXX, XXXX, & Equifax are reporting a late payment on my consumer report from XXXX Credit Card but did not provide any evidence I was indeed late. FCRA states information must be validated before it is able to be reported. Neither consumer agency provided necessary documentation to confirm I was late. This is my final attempt to resolve the matter or I will sue each consumer agency. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

Im having the same issue I had already reported once before with Comenity Capital bank, first it was with my Sephora Card and its still happening with my XXXX as its the same bank. 

Ill try to make a payment the day its due online and their server or site will be down and will not let me log in, I took a screenshot of what it looks like too. And I got charged a late fee because I couldnt make my payment that day. 

However, the next day its up and running just fine. Theyre a horrible bank to consumers. I tried calling and it automatically says that my account is not eligible for a courtesy late fee waiver. The one time I asked for it last year, they didnt even offer a full late fee wavier, they gave me a freaking discount? Which only took off like a few bucks which is insane to me because other banks help you out and waive the full late fee amount. 

Id also like to note that this is not the first time this is happens with my XXXX card, Ive gotten charged plenty more late fees for the same reason.
Consumer complaint received 2023-06-06
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-27
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. (SC)

The reason for this complaint is because my credit was pull multiple times for the wrong reason! Need these off my credit report asap! 
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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Rent Recovery Solutions (TX)

A debt collector ( Rent recovery solution ) posted a debt on my credit history 2 years ( in XXXX  ) ago. I called them to inquire about the debt and I was told that It was for a rent that I didn't pay at my former apartment- XXXX XXXX  at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX ). They requested for evidence and I sent them all my monthly rent payments till the month that I vacated. Also, I forwarded the my 60 days notice that i sent to the apartment in addition to the uhaul receipt for the XXXX i used in moving my belongings out of the apartment. Upon investigation, they removed the debt from my credit history since the property couldn't tell them the exact month i was owing. 
Last month, I noticed that a report was made on my credit. When I checked, I noticed that same debt collecting agency has reposted same debt from 2 years ago. I called them to understand why it was posted and they couldn't provided any cogent reason. I was told that the apartment management said the debt was valid. I asked them to tell me the specific month that I was owing but they couldn't. I had to inform them that I supplied them with the evidences showing that I was not owing 2 years ago and they removed the debt. Since then, the debt agency hasn't been able to tell the specific month this debt was for so i can provided my receipt. The debt is still on my credit history.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (MS)

My mortgage is with Freedom Mortgage company. I contacted the company because I could not make a payment in XX/XX/2023. I was approved for a 6-month payment plan on XX/XX/2023. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

A check made out to a friend was stolen. The check was then fraudulently signed by someone other than my friend. The signature clearly does not match the name that the name i wrote on the check. PNC cashed the check anyway and I am out XXXX dollars. 

I comlpained with PNC and they said they were going to send me an affidavit to sign and return and i would not be getting my money back for over 120 days. I then get a letter in the mail saying my claim was denied because the affidavit was never recieved. the affidavit never came to my house until the next week! 

This is all PNCs mistake for depositing a forged check. I made the check out to a friend and their teller or system cashed it without checking identity. I am being made a victim over their problem.