davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate information.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

on XX/XX/2020 I wrote to XXXX  and Equifax credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but Equifax and XXXX  do not have any numbers or addresses listed on their credit report so i can contact them. XXXX  and Equifax are reporting inaccurate information.
Consumer complaint received 2020-08-05
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: PENTAGON FEDERAL CREDIT UNION (MO)

Pentagon Federal Credit Union is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (CA)

CKS PRIME INVESTMENTS ATTEMPTS TO COLLECT A DEBT. ( DEBT BUYER - NEW JERSEY } I HAVE SENT A WRITTEN REQUEST TO DEBT BUYER REQUESTING VALIDATION AND VERIFICATION OF THE ALLEGED DEBT.

NONE RECEIVED/NO RESPONSE.

ALLEGED DEBT HAS BEEN REPORTED TO XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-26
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: ADIR INTERNATIONAL LLC (NV)

It all started when I was in the market for a new bed and XXXX  gave me a credit limit increase so I could purchase it. Since then I have made every payment on time everytime, and all Ive gotten out of it was XXXX keeps lowering my limit to make it look like I went over my limit. I have yet to receive a letter explaining why, which by law the were supposed to give me. I demand to know what is going on!
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NC)

I've tried reaching out to Comenity Bank Wayfair Credit Card Services due to information not updated on my credit reports for XXXX, XXXX, and XXXX. This account is Closed and Paid in Full at a {$0.00} balance. I paid the full balance in the amount of {$360.00} on XX/XX/2020. I found out on XX/XX/2020 that the bank added interest in the amount of {$7.00} on XX/XX/2020, after I've paid the balance in full. I paid that interest as well but the company never updated the Closed XXXX Balance status. I reached out to the company back on XX/XX/2020 to send the update to the 3 credit bureaus. The status was never updated. Its the end of XXXX and the status is still not correct.
Consumer complaint received 2020-08-05
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. (TX)

Have twice now disputed an incorrect missed payment to Experian regarding a car I traded in in XX/XX/XXXX. My credit report states that I missed a payment in XX/XX/XXXX. I have provided them with proof of the trade in date and they are claiming my documents don't meet their standards. The document provided is the receipt of trade in/ purchase of a new car given to me by the XXXX XXXX with the visible date of XX/XX/XXXX. It is impossible for me to have missed a payment on XX/XX/XXXX. The car was XXXX 's and I was no longer responsible. I honestly don't know what else I could give to them to show them I did not miss a payment.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MI)

Discover Card account ending in XXXX. This account has been in dispute since XXXX. I opened the account in XXXX paying for the additional Protection Plan. In XXXX, I experienced severe medical issue causing loss of employment, however I was able to initially use my Protection Plan Coverage for waiving the monthly payments until Discover decided not to allow additional use and stated that the program no longer applied. Subsequently offering a new payment arrangement plan to bring the account current. However, instead of honoring the arrangement my account was now a Collections account. In XX/XX/XXXX, I attempted to bring my account current to remove the collection status off my credit report, however was informed that the account was now Charged Off and would remain at this status regardless if it was paid off and that I would not be able to reuse the account upon satisfying the charge off. I continued to try to work with XXXX XXXX XXXX to correct this issue. In XX/XX/XXXX, a registered letter was mailed to Discover with a payment to make the payments to satisfy the collection and keep the account open. Discover did not immediate respond, however applied the payment to my account. In XX/XX/XXXX, I was offered a Settlement Agreement in the amount of {$4300.00}. I agreed to the settlement and begin additional payments totaling {$2700.00}. I received my updated credit report on XX/XX/XXXX and Discover sent to the Credit Reporting Agencies a " Closed Account '' status effective XX/XX/XXXX, while I am still making the settlement payments and causing my credit score to drop XXXX  points. Discover never stated that they would instantly report a " Closed Account '' status once I agreed to the settlement. I was informed since XXXX that the account was closed and charged off so why would they suddenly send to the Credit Reporting Agencies a Closed status affecting my credit score. I also have a letter from Discover dated XX/XX/XXXX, stating that " Discover is required to report the account to the Consumer Reporting Agencies as a disputed account until I advise them to remove the dispute status '' I HAVE NOT advised of any such removal of a dispute status. The account is still considered a dispute due to Discover not allowing me to use my Payment Protection Coverage that I paid into since XXXX during my employment loss causing my account to go into Charge Off status. I feel that this is an intentional wrong against me to affect my credit. I would really appreciate some legal assistance in this matter. I have attached the letters from Discover regarding the Correspondence " Disputed Account '' and the Account Settlement Agreement.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX I retrieved a free credit report from my bank. It had dropped nearly 100 points from XXXX in XXXX. I read the report and it showed an inaccurate, negative report from XXXX. I called XXXX and they stated at first that they couldn't find an account in my name but finally found a " wrote off '' debt of {$55.00} from XXXX on a landline account. I haven't had a landline since XXXX. XXXX said they would transfer me to someone who could fix the problem and the call dropped. I called Equifax to dispute. Equifax also dropped the call after extensive menus and " verification '' questions. They eventually did an " investigation '' and emailed to tell me to get the results. I got the confirmation number, and have called multiple times to try to find out the results, but whenever I call they make me step through ID verifications and never give me the result. I called twice this morning and the same thing happened. They made me enter in all kinds of information about address phone number, etc and then the customer service guy said hold for a survey and they disconnected. I have spent literally hours and hours-entire days on hold and stepping through " verification '' menus and never get the results. Meanwhile, I pulled another report from XXXX and they showed a negative ( the only negative ever ) from XXXX again.I need the dispute properly resolved and I need the results of the report.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NY)

My current mortgage is serviced by Caliber Home loans I tried to login today to make a payment because i am behind and it said my loan servicing is being transferred to XXXX  and i will be notified once it has been. it directed me to the XXXX XXXX site and they dont show my mortgage. neither company will allow me to make my payment even though i am behind and trying to avoid foreclosure. the XXXX  site says until i receive the letter regarding the transfer i should continue to make payments to my old company but they wont let me.
Consumer complaint received 2023-01-04
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. (CA)

I have had several loans for jeeps in the last XXXX years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Someone opened an online bank account through Bank of America using my social security number without my knowledge ( fraudulently ). I called Bank of America and closed the account and alerted them. I also called all credit bureaus to add an alert to my credit report that I was a victim of identity theft.
Consumer complaint received 2022-11-03
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. (MO)

ACCOUNT # XXXX Date Opened XX/XX/2020 I have contacted the XXXX XXXX XXXX myself, and they have failed to validate that this is indeed mydebt. I have copies of my requests to XXXX XXXXXXXX XXXX, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. That is because this alleged debt does not belong to meXXXX XXXX XXXX  was unable to provide me with the original contract with my signature because no such exist. With no proof of this alleged debt belonging to me as a consumer EXPERIAN you must delete from my credit report immediately. 

Plus XXXX XXXX XXXX has provided you with a false and misleading medical account with my name attached to it. You are also not supposed to share anyones medical information without their authorization. So you have now shared someone elses medical information cost and locations on a strangers CREDIT REPORT..which is me. WOW! EXPERIAN You have really dropped the ball on this one. This account is not reporting 100 % accurate. You also failed to even note that I the consumer disputed this account. you are really not following the rules. You have the nerve to not even notate that is account was disputed by ME on my own credit report. So EXPERIAN you now get to pick and choose what YOU want to furnish on my credit report? I know that you choose to report negative information because you make twice as much as good information when selling consumers information to businesses and corporations such as yourself EXPERIAN.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (IL)

Hello, my name is XXXX XXXX XXXX. The following is a summary of events in chronological order for a dispute on my credit card with Comenity Bank ( XXXX XXXX ). 

On XX/XX/XXXX a made a purchase of {$1500.00} with XXXX XXXX via phone and the purchase was completed using a Comenity Bank Credit Card. I was under the impression that I had purchase two round trip tickets but that was not the case. My intention was to cancel a previous flight I had purchase and buy two under the same reservation. This is an Issue that was disputed with XXXX XXXX and even though the flights were taken they still decided to issue me a refund and I was sent an email on XX/XX/2020 from XXXX XXXX stating that they were refunding me {$1500.00} for the misunderstanding since the purchase of the ticket went into review. 

The refund was not being reflected on my Comenity Bank Account so on XX/XX/2020 I created a dispute with Comenity Bank my account number is XXXX. 

My dispute was closed by Comenity Bank sending me documents that XXXX XXXX sent them saying that the flight was successfully flown but Comenity Bank is failing to understand that I had a dispute with XXXX XXXX before and was granted a refund. My flight was for XXXX XXXX and I Was granted the refund on XX/XX/2020. Supporting document was also sent to Comenity Bank but they are still refusing to represent me properly and are demanding me to pay for something I was granted a refund for. Comenity Bank closed my dispute on XX/XX/2020 with no solution for me other than to pay them. I find this unfair being that I was granted a refund by the merchant XXXX XXXX after having disputed my purchase with them prior to contacting Comenity Bank. 

I am asking for help in this matter. I did my part in taking the proper steps. I cant afford to lose this dispute being that again as stated earlier, granted a refund. We are in a global pandemic and every XXXX counts during these hard time.
Consumer complaint received 2020-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (OR)

I attempted to send send money with this company to a friend in XXXX. I followed the instructions and entered my debit card information. I was prompted with an error and it told me to re enter my information. When I checked my account it had charged me twice for the same transaction. When I asked for this to be fixed they told me that I should have checked my bank before following the error prompt and following their instructions.
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I have had a chase credit card for 13 years. The other chase card for 5 years. My credit is excellent, all of my bills are paid on time and in full. They recently closed my 2 credit cards with no notice. I don't understand what the issue is. 

I called chase and they told me a letter was coming with an explanation. After 13 years and both of my accounts in good standing I don't know why they would have closed them.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TX)

This creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card and or account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian has a product called Experian boost. If you do not XXXX XXXX XXXX XXXX XXXX XXXX or any other large entity. If you not with them you can not improve your score with Experian. This is deceptive trade act account they take formation from small banks why can they not allow small banks with online accounts to join. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not allowed to partake in Experian boost. All this has to do with increasing your fico score. Experian doesnt care to take care of small towns like XXXX XXXX Experian will take information from every bank in XXXX.