davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
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. (FL)

I am hereby requesting the immediate deletion and removal of the following accounts and associated information from my consumer report. It is evident that the accounts and information listed below should not be reported on my consumer report, as their inclusion directly violates the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist on the swift deletion and removal of these accounts and information from my consumer report in order to rectify the multiple violations of these important laws. I urge you to take immediate action to remove these accounts and information without any delay.
Consumer complaint received 2023-08-29
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc. (KS)

On XX/XX/XXXX I received notification from my credit monitoring that I had a new account opened. The account was from Montgomery Ward. I did not open any such account. I was able to call Montgomery Ward on XXXX to let them know the account was fraudulent. They opened a case to send to their fraud team and I was told I would be receiving communication in the mail and the account would be closed and removed from my account in 30 days. I received one letter requesting confirmation from identitytheft.gov and a police report if available. I sent them the report from identitytheft.gov but did not open a police report as it was not required or necessary. I have been unable to get status from Montgomery Ward on the account and I have followed up with letters on XX/XX/14 and XXXX. The account is still listed on my credit report.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (AZ)

I am a Citibank cardholder ( 2 separate cards ). I inquired via a chat session on the Citibank website about potentially converting my Simplicity card to an American Advantage card. The chat agent answered several questions for me and confirmed that I would be eligible for the XXXX XXXX XXXX signup bonus upon meeting a spending threshold of {$2500.00} over the first 3 months of having the card. I acitvated the Card on XX/XX/XXXX and met the spending threshold less that 2 months later. When I followed up to inquire on the status of the XXXX bonus points, I was told by an agent that there was no bonus available and the original agent had provided me with " misinformation ''. I would never have opened the new card as the terms were more advantageous on my original Simplicity card. However with the bonus offer, I was moved to switch the card.
Consumer complaint received 2024-03-06
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. (TN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (VA)

Approximately on or around XX/XX/2022, I attempted to send money from my investor high yield checking through XXXX and XXXX suspended my XXXX enrollment and emailed me to call them which I thought was odd. I contacted customer service which confirmed that my XXXX enrollment was suspended for suspicious activity ( nothing was suspicious about my activity but whatever ), so I asked them to restore my access to XXXX and they surprised me by saying that this can't happen instantly and they need to reach out to a special XXXX team that customers have no access to and this team will fix the issue within 72 hours. So far terrible support operations but I thought " fine '', I will wait 3 days for the bank to fix their own mistake. 3 days go by and my access is still suspended. I called the bank again and was told the same thing, they will reach out to a special XXXX team which will take 3 days to fix it. I contacted the bank multiple times since then and here we are almost two weeks later and my XXXX is still suspended for no reason.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (CA)

I was unable to access my PNC online banking at the beginning of XXXX. I called PNC customer support right away and then I have been told to wait someone would call me and provide more information about current issue on my account. I missed the call from PNC at the earlier morning, and I got the email from one of retailer managers on XX/XX/2022 asking me to provide a good phone number or call by phone at XXXX, extension XXXX to discuss the matter further. However, no one replied to my followup email, and no one returned phone calls to me, at the same time, I am unable to login my online banking to review transactions history also transfer my funds to my banks. 

Today, I just called PNC customer support again, there is no useful information has been added to my case in the past of XXXX  months, and I have been told that I have to wait few more months or a year to get my account closed by itself, and there is no way to close my account currently which means I am unable to access my online banking to withdraw my money until it get closed.
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (AZ)

XXXX is the company that sent me to debt collection. 

I moved my account to XXXX in XXXX  from XXXX. They immediately cut access to online management once I ported numbers to XXXX. 3 months later they finally sent me a statement saying I owed them over {$800.00} with zero justification on the charges. The balances do not make sense, trying to charge me for charge backs when the account was never charged. Balance has since multiplied to {$1500.00}. XXXX  rep would not listen to me explanation and sent be to two different collection agencies and now I have legal representation. Again, not able to view any statements or charges, XXXX sent generic account information that is inflated.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX states on my credit report that I owe them {$170.00}. I called the company and spoke with XXXX who informed me that my name nor my social security number is in their records. This conversation was on XX/XX/23 around XXXXXXXX XXXX. I then filed a dispute on my credit report through XXXX. 

Capital One Credit Card states on my credit report that I owe then {$480.00}. I called the company and the same answer - no record of my name nor my social security number is in their records. I do not have an account number and again spoke to Capital One fraud department. 

I called XXXX and spoke to XXXX who put me through to the fraud department. I spoke with XXXX in the fraud department who suggested I file a complaint through the FTC.gov which brought me to this website on Consumer Affairs. I see there are two social security numbers reported on my credit report. The first one ending in XXXX is the correct one. The second social security number ending in XXXX is NOT my social security number. I asked for this to be deleted however, with the disputes they are seeing if this number is the one with the fraud. 

I am trying to clean up my credit and finding that their is possible fraudulent accounts opened in my name. How can companies not have a record of my name and social security number but it shows up on my credit report, thus affecting my credit score. I need these accounts looked into and cleaned up! 

I just moved to XXXX  and have provided my current address. 
My XXXX  address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX last four digits of SS # XXXX Full name : XXXX XXXX XXXX or XXXX XXXX
Consumer complaint received 2023-08-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have had an account with Sallie Mae/Navient for almost 18 years and tried my best to maintain the account through multiple forbearances that eventually increased the amount of my outstanding balances with forced forbearance. Sallie Mae/Navient was sued for predatory loans that were given to individuals like myself in Pennsylvania that reached settlement.

Under the lawsuit I was one of the borrowers impacted by predatory lending and received payment from the settlement. Navient was supposed to remove loans under this lawsuit to borrowers who were in default prior to the settlement. Navient decided not to forgive my loan because my loan was technically up to date during the lawsuit. The only reason my loan was up to date during the lawsuit was because I was actively on a in-school deferment while I took up courses at a local XXXX college to make up for the fraudulent school and loans I signed up for 18 years ago - not because I was actually able to pay for the high interest loans. So Navient decided my good-standing, deferred loan account was good enough to keep in their system regardless of the lawsuit my account was under. My loan has never gone down in balance as a result from the interest raising forbearance practices they used on me years before. I cant seem to get anyone at Navient to assist with forgiveness on my account. And i am now seeking legal action utilizing the proof set by the Navient settlement that my account should have received consideration for forgiveness.
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

When I took them out, my loans were originally held and serviced by XXXX. My loans went to XXXX because I had expressed an interest in the Public Service Loan Forgiveness ( PSLF ) program from the very beginning. I graduated in XX/XX/XXXXand began making payments in XX/XX/XXXX with my XXXX stipend. On XX/XX/XXXX I submitted paperwork to XXXX to verify that I was meeting the requirements for the PSLF program. XXXX verified the paperwork and walked me through the consolidation process, which I completed through XXXX. While I was made aware that the consolidation was a necessary component of the PSLF program, I was not made aware that any payments prior to consolidation would not be counted toward the 120 payments required for loan forgiveness. In XX/XX/XXXX, I submitted employment verification again and was informed by XXXX that XXXX was the new servicing agency for PSLF participants and on XX/XX/XXXX, my loans were transferred to XXXX. I started a new job in XX/XX/XXXX and when I submitted the employment verification to XXXX, I was informed that my loans were not consolidated and would have to be consolidated before any payments could be made that would count toward the PSLF program. 
My complaint is this : I have met all of the requirements to qualify for the PSLF program and have been making payments for seven years. I was given misleading information at several points throughout this process- I have consistently identified my interest in participating in the PSLF program. I have completed each requirement as it was described to me. Further, I have already consolidated my loans at least once. I believe that I am being treated unfairly and taken advantage of and further that XXXX and/or XXXX are committing fraudulent acts in order to disqualify my previous payments and lessen the total amount of the loan which will qualify for forgiveness.
Consumer complaint received 2017-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (GA)

I am finalizing a mortgage refinance and have been keeping a close eye on my report. I noticed a hard pull on my report from  XXXX   XXXX ,   XXXX  . My broker said this is generally a soft pull done right before closing to ensure no additional lines of credit have been taken out. In this case, it is reported as an additional hard pull and effecting the score.
Consumer complaint received 2023-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (FL)

I had something show up on my credit report that I never signed up for or was associated with. I contacted the company only to be told that if I wanted it to be removed and reported as fraud then I had to file it with the government or credit bureau. I contacted XXXX and was told to file it with ftc.gov. The account with this company was listed on an address that isnt my address. I have been at my current address for 7 years. I was told that I signed for a product but was adamant and confident that I didnt. I was provided no proof that it was me. I would like it removed off of my credit due to the fact that I never signed up for anything with this company.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

This letter serves as a second formal complaint that inaccurate and incomplete information is being reported on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately notation date and balance whether reported or not. 


The 30 days past due payments that are being reported are for months that I was granted an extension arrangement which according to XXXX policy : An extension arrangement is available to customers experiencing temporary, financial hardship to defer XXXX or more installment payments to the end of the contract term. 

When a payment is deferred to the end of the contract, the scheduled contract maturity date, or final payment date, will be extended by each installment that was deferred and may result in the assessment of additional interest. 

How can I be 30 days past due if I made a payment arrangement with XXXX within my due dates and before my grace period ended. XXXX never reported any past due payment until after my auto loan was paid in full. 
I started applying for extensions because of billing errors on XXXX end. I was being charged for payments that was already paid. They never admitted to this, but I have since received checks from XXXX for the overpayments. 
I respectfully request to be provided proof that these payments were in fact late. By the provision of the consumer laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to XXXX  ( Paid as Agreed. Never XXXX ) and supply a corrected credit profile to any creditor who have requested my credit report in the last XXXX months. 

I have attached copies of my transaction history printed from my online account with XXXX and my payment history that was emailed to me from XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I pay my balance in full every month for my XXXX XXXX XXXX store credit card. I have now had multiple issues with being charged late fees and interest when the balance is paid in full. Today when I tried to resolve the issue, they customer service representative hung up on me. After doing some research into these practices, it appears a lot of customers have similar issues. XXXX even stated that fees occurred after closing their account. Please stop this practice.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I received a copy of my credit from Experian on XX/XX/2017. And I do not think they investigating my account situation. # XXXX they are not stating how they are verifying the information. They information they have on file is inaccurate. They can not say they called the company because the company they have list with the phone number is disconnected. I do not feel I am being treated fair. The number listed is XXXX. Along with the information they are sending me. States This item remained unchanged from our processing of your dispute in XX/XX/2017. How is that possible when they clearing sent me a report XX/XX/2017. I really feel they are lying to me with the information they are putting on my credit report. So either they putting false information on my credit report, or putting whatever they feel at that moment. I think that is unfair to me because I been working hard to pay things off what belong to me. I inform them under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. I attach some example of the credit report to show what I referring too.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FC HoldCo LLC (TX)

I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX  XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

BANK OF AMERICA CHARGING ME FOR AN ADVANAGE ACCT.AT A RATE OF XXXX A MO.OF WHICH I DID NOT REQUEST NOR WAS I ELIGIBLE FOR STATED ACCT.THIS TYPE ACCT.REQUIRES A MINIMUM OF XXXX BE MAINTAINED IN THE ACCT.AND I DO NOT QUALIFY -- THIS HAS BEEN GOING ON APPOX.20 YEARS AND I ESTIMATE OVER XXXX IN EXCESS CHARGES -- ACCORDING TO THE BANK MANAGER THIS WAS MY FAULT FOR NOT CHECKING MY MONTHLY STATEMENT -- I THINK THE BANK AUDITERS SHOULD HAVE CAUGHT THIS MANY YEARS AGO AND CORRECTED THE SITUATION -- HOW MANY OTHERS DOING BUSINESS WITH BANK OF AMERICA ARE AFFECTED??? HELP!!!!!
Consumer complaint received 2022-12-21
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. (MI)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2022-12-21
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. (MI)

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 XXXXXXXX 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.