davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

I had fraud charges that occurred on my card and also I tried to withdraw funds from my card from ATM at a local ATM and no funds was dispense after disputing it with DirectExpress. I got a temporary credit and without notice they removed all the credits from my account also I have indicated to them that there was fraud that occurred on my account and that I needed to be disputed, they disputed it and the reverse credit from my account again I have never made any transactions with XXXX and I cant get in contact with XXXX as well so they can give me my funds
Consumer complaint received 2024-04-01
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: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

my credit was pulled with out my concent. for a supposed loan or what ever the bank stated in a email i emailed them back and told them it wasnt me nor did i allow them to do so. i requested for the hard ding on my credit report to be removed and the bank is refusing to comply!
Consumer complaint received 2023-02-16
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. (TX)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} 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 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 2024-04-01
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

Good Afternoon, I hope this email finds you well. I am reaching out today after trying to work with XXXX. 
I am trying to understand why I have negative reporting on my credit reports and I cant seem to get any support from XXXX so I am reaching out to find out if you can identify someone who can assist me. I need this negative reporting to be corrected and or retracted. I recently reviewed my credit report and noticed that there are negative marks associated with my loan, which are impacting my credit score adversely. I paid my loan roughly {$XXXX  a month until I lost my job. I believe the XXXX had a moratorium on student loan repayment due to Covid. At that time I called in to stop the automatic draft and completed a deferment application on the phone with a representative. Once I notated the adverse reporting I called in to XXXX and completed an IDR. I believe the negative information no longer accurately reflects my current responsible repayment behavior. 
Given my commitment to honoring my financial obligations and my efforts to improve my creditworthiness, I respectfully request that you consider assisting me in removing the negative information from my loan account. Doing so would greatly assist me in achieving my financial goals of repaying the {$XXXX} and would put me in a better quality of life. 
I cant seem to get any where with customer service and this misinformation in reporting is having an impact on prospective employers and lenders. I am researching going into a women owned small business endeavor and can not do so with lenders with this negative reporting. Having such opportunities would provide me the ability to satisfy the loan. I attached a copy of the activity on my account-I have having difficulty understanding why there is negative reporting as I applied for the programs that would provide me support during these times. 
Any assistance and guidance you can provide is sincerely appreciated. 
With gratitude XXXX
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy federal has sent my information to XXXX XXXX XXXX for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX of XXXX which is false and illegal.
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Starting around XX/XX/XXXX I entered into a loan modification with XXXX XXXX. I began making trial payments. I was informed by the then relationship manager to ignore the late notices, notices placed on the door of my home, the late fees charged to my account, etc " because those are different departments and all that will be cleared up once the loan is actually modified after the trial period. '' I never received notification that the modification trial period had ended and the loan had been officially modified so I continued making trial payments. Beginning in XX/XX/XXXX, XXXX continued to report that I was 30, 60, 90, and even 120 days delinquent on my mortgage to the credit bureaus through XX/XX/XXXX ; finally showing as current beginning XX/XX/XXXX through XX/XX/XXXX. XXXX accepted a nominal loan amount from HUD for the amount XXXX indicated I was behind on my mortgage ; of which I had no knowledge of until a recent deed search of my property. I have struggled with XXXX for over 2 years to correct the reporting to my credit. XXXX informed me that they can not locate a signed modification agreement ; indicating that the loan was never modified. Around XX/XX/XXXX I filed a dispute inquiry with Equifax. The result of that dispute is that XXXX reported that the incorrect information showing on my credit report was indeed correct. So I called a dispute inquiry to XXXX around XX/XX/XXXX. I indicated that since XXXX can not find their own documentation supporting that the loan was modified and the delinquencies reported on my credit were hence inaccurate, then XXXX must correct the inaccurate information on my credit. I was informed at that time the dispute would take no more than 10 business days. I received several letters from XXXX 's XXXX XXXX Department and their Research Department indicating that they " are unable to provide you with a response '' and they need more time. Today is the 32nd business day. I called XXXX 's Research Department this afternoon and I was informed that a decision to my dispute can not be made at this time because they are unable to locate the information needed to conclude the dispute. I was also informed that the matter had been escalated to a supervisor in XX/XX/XXXX and that I should allow them " 4 to 5 more business days to locate that information. '' I sold my home at XX/XX/XXXX and the loan has been paid off. I have relocated to another state and am unable to obtain a mortgage loan because of the inaccurate information reported on my credit. I have also been wrongly charged multiple fees and nuisance people showing at my residence since XX/XX/XXXX related to pre-foreclosure, late fees, sheriff service, etc ... .when all along I was, in my own assumption and with the lack of supporting documentation from XXXX , still in the loan modification trial period. I have additional documentation if needed.
Consumer complaint received 2022-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (SC)

XX/XX/2022, United collection bureau has violated my consumer rights. Fair debt collection practices act laws have been broken by this company. I have attached documents for the C.F.P.B as proof of the violations. My affidavite and invoice are attache as well. I want monetary relief.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc. (TX)

On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX  more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you
Consumer complaint received 2017-07-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (GA)

I received a letter from Stoneleigh stating that they are the collectors for an account I allegedly have with XXXX XXXX. I sent a validation letter to Stoneleigh to tell them to provide me with a contract that has my signature that ties me to this debt. This letter was received by them ( which I enclosed a copy of tracking ) on XXXX XXXX, 2017. They have not responded with any documentation that I owe this debt. But they sent me another letter with a settlement offer that I received XXXX XXXX, 2017 but it was dated for XXXX XXXX, 2017.  So even after receiving my debt validation letter they chose to ignore it and continue to try to collect on this alleged debt. If no signature can be provided on a contract that bears my name, an agreement that shows that they can collect on the debt, or a validation of the amount this item I require a letter from them stating they cease collection activities on this account. In the letter I also asked to stop collection activities until they are able to provide such proof within the 30 day allotted time and they have violated that. According to the Fair Debt Collection Practice Act 15 USC 1692g Sec. 809 ( b ), they are bound to provide me with such proof. Anyone can send a letter stating I owe an amount and that I am required to pay so I need proof that I actually owe this company.
Consumer complaint received 2024-04-01
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 (MA)

I received an Amex eGift Card and I can't use it. I've tried in countless vendors in person and online as well. I resorted to using this on XXXX, and can't even use it to purchase things of less than {$10.00}. 

There are hundreds of thousands of people facing the same issue, as can be seen when you simply search this on XXXX. This is ridiculous, and unbelievably frustrating I can't believe how much time I've spent just trying to use this gift card.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WV)

My Victoria 's Secret Credit Card was cancelled in XXXX of 2022. Ever since I have cancelled my card it has been nothing but surprise fees and finance charges that have resulted in the fact that I am still trying to fully pay of the balance due to being continuously charged finance charges and late fees. The payment this month was due on XX/XX/XXXX, and it was paid on XX/XX/XXXX, resulting in more charges of XXXX. I was able to have my late fees refunded on XX/XX/2022 in the tune of XXXX, and that was done by a customer representative with the credit card company, Comenity. I was told that I only had to pay another XXXX payment and another XXXX payment and that the card would be at a XXXX balance. I requested a letter stating this and was told one could not be provided. The representative with the credit card company said that there is no way to waive a fee and that if I made the payment of XXXX before the billing due date that the card would be at a XXXX balance. I again requested a letter verifying this information and I was told that there would not be a letter provided until the card was actually at a XXXX balance. I am honestly fearing that there will be more finance charges and fees for a card that was closed out in XX/XX/2022. I have also not received a statement of any kind from the credit card company since XXXX of 2022. I also find it very disturbing that my card still has an available credit balance and tells me what my credit limit is when I call into their automated system for the credit card company. If the card was truly closed as it should have been in XX/XX/2022, then why am I still able to see that information? I will never ever get another credit card that deals with Comenity.
Consumer complaint received 2022-05-28
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. (SC)

XX/XX/2022 - Experian I am reporting Identity Theft. Refer yourself to the fair credit reporting act 15 U.S. Code 1681c2 below. MY DOCUMENTS ARE ATTACHED 15 U.S. Code 1681c2 - Block of information resulting from identity theft -- ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (TX)

3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point
Consumer complaint received 2022-05-28
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. (TX)

3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point
Consumer complaint received 2022-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My Husband Pass XXXX XXXXI call Bank Of America and told them that XXXX XXXX XXXX had Pass and Could They Close all XXXX Credit Cards , they didn't have my Name on the Credit Cards just His, I took His Death Certificate to a Bank of America XXXX XXXX, XXXX To Show Proof he had Pass, A Few years ago We had set up Payments with Bank of America for the 3 Credit Cards XXXX The first Lady that contact us told us both the fees and Interest would stop.After making first payments to Bank of America we seen they were still charging us Fees and Interest, The Next Person we talk to told us we was told Wrong on Everything.We was paying the cards back, paying Fees and Interest even thou we couldn't use them.My Husband wants to get them pay off so his Credit stay Good, so we kept making payments, Bank of America told me in XXXX that They would Close all XXXX Credit Cards and No more Payments be taking out from my Checking Account.The Amounts are {$180.00},,, {$180.00} and $ XXXXAll 3 payments was taken out XXXX XXXX and In XXXX All XXXX Payments Taken Out of my Checking Account on the XXXX of XXXX.Our House is not Pay For and I have Been Stuggling to make my House Payment since my Husband has pass, I been getting one of my Policys that was in XXXX name and I been using that money to make my House payment.As of Right Now Bank of America has Took XXXX XXXXOut of my Checking Account, My House Payment each month is XXXX XXXXI have sign papers at my Bank To Stop payment and pay over draft feeds to my bank.I been in touch with Bank of America also.Please help me, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION (CA)

IcalledintomakepaymentonXX/XX/19throughACH,thefundswereneverwithdrawnfrommyaccount.OnXX/XX/19Icontactedcheckingoagaintoadvisethatmyfundsneverwithdrewmyaccount,andtheyadvisedthattherewasanissue,andthattheyneededtoescalateuptomanagementandthatIwouldgetacallback.IwasassuredbycustomerservicethatIwouldn'tbechargedextrainterestandtheoriginaldateforpayoffoftheXX/XX/19wouldbehonored.Ineverdidreceiveacallback,soIcontactedcheckingoonXX/XX/19aspayoffstillwasnotwithdrewfrommyaccount.IwastoldthatIcanpaywithadebitcard,asmybankwouldnotacceptmyACHandthatnowwouldnotbehonoringmyoriginalpayoffandattemptedtodothatandadvisedthatitwasnotbeingacceptedandhadtocontactmybanktoreleaseanyholds.Iknowhaveincurredover200.00ininterest,withoutanyphonecallsfromcheckingotoadvisethattheycouldnotacceptpaymentsfromtheXX/XX/19.
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

My mortgage was transferred from XXXX XXXX to BSI Financial Services XX/XX/XXXX. I filed for bankruptcy XX/XX/XXXX to avoid foreclosure ( Ch-XXXX ). My mortgage at XXXX XXXX was modified XX/XX/XXXX and the new mortgage amount added all fees and back accrued interest. This modification was confirmed by the United States Bankruptcy Court. When XXXX XXXX sold the loan to BSI Financial, BSI had it classified as a delinquent loan in Bankruptcy even though the loan was modified and current. All monthly payment are made on time and current. I spoke to XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX from BSI and everyone refused to speak to me about my loan. I do n't receive statements or monthly coupons from BSI. The only letter I received from them was a Notice of Servicing Transfer. I was informed by my Home Owner Insurance Company my policy was terminated due to non-payment even though the mortgage is escrowed. My attorney spoke to BSI in XX/XX/XXXX and faxed the necessary documents on XX/XX/XXXX to allow BSI to speak to me and update their files. I have left 3 voice mails to XXXX XXXX ( he is assigned to my loan ) without any return phone calls. Without monthly statements I do n't know if my Home Owner insurance is current or if they have been paying my real estate taxes. I started doing research on BSI Financial and see they have a history of consumer complaints. I thought it best to file a complaint since my efforts and my attorney 's efforts have been ineffective.
Consumer complaint received 2023-03-10
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. (OH)

in accordance with the fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX BANK has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE
Consumer complaint received 2022-05-28
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. (TX)

3 national consumer reporting agencies stated the info was accurate and correct as far as orig loan balance 1st date of deluquency date closed amount still owed. Account should be deleted at this point
Consumer complaint received 2017-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent, b y USPS cer tified mail, a dispute and request for validation of negative information reporting against my SSN to Transunion on  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting Act , 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and Transunion and  XXXX  responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim. Transunion and  XXXX  are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.