davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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. (VA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX  Account Name : XXXX XXXX  Account XXXX XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-02-12
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. (VA)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights according to 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. 

Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (UT)

See attached. XXXX and XXXX XXXX are continuing to report inaccurate information on this account. I have tried to fix it and both decline to correct the errors stating they've " confirmed '' this with Comenity Bank. If Comenity reported this information then my law suit will be against them. Reporting inaccurate information on 3 different credit reports is illegal and against the FCRA laws. You are solely responsible for any information that is reported to the credit bureaus. Get it right or remove the item or risk a law suit. Please don't think I won't sue and go public because I will if this is not immediately corrected with accurate dates and account status. The bureaus put those comments on there to negatively affect my credit rating. I'm tired of their games and am fighting back hard! That's what courts are for, to correct what the 3 of you refuse to. This item better be corrected or I demand it be removed immediately. I can also include XXXX 's in my law suit since they entrusted Comenity to handle their credit card. Poorly done job for sure! This account was closed shortly after I opened it! There IS NO HISTORY!!!!!
Consumer complaint received 2020-01-13
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: EQUIFAX, INC. (NY)

These accounts are past the reporting time that the credit bureaus can report negative information on the credit report and I've sent them dispute letter about 30-40 ago and they sent a letter back stating it was verified. I believe this is a violation of the fair credit reporting act.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

As of XX/XX/XXXX, my credit card account balance was {$140.00}. For background, I have another credit card with Bank of America that processes each and every month. However, this credit card was not connected to a payment plan, and Bank of America did not do an adequate job of letting me know ( I am finding out about the issue because they sold the debt off and the new owner of the debt was sufficient in contacting me. ) The {$140.00} in charges in XX/XX/XXXX have grown - without any purchases made - to {$420.00} as of XX/XX/XXXX. That is an effective interest rate of 193 % in less than a year, over less than 10 months. That seems outrageous- and because Bank of America has sold the debt, I am not sure what they will do about the fact that they double ( nearly triple! ) the amount owed by an account, rather than communicating with the customer. Again, their new debt collection agency reached out effectively- which shows that it seems like it is Bank of America 's business model to not collect payments but rather cultivate fees and more fees, over {$200.00} in junk fees and interest on {$140.00} originally owed.
Consumer complaint received 2023-02-12
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: Turning Point Solutions LLC (TN)

i contacted Advanced Solutions Services Inc 3 times attempting to get them to provide me a copy of my consumer report contained in there files. When I reached them on the phone the agent advised me that a report and instructions on how to dispute information that was wrong on it. I never recieved any information and I continued to complain with no resolution forthcoming. I am a victim of identy theft on two occassions. I have a right to a copy and to dispute any information I feel is incorrect and/or used maliciously to deny me to entitlement to an accurate consumer report.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelson and Kennard (WA)

I paid my account in full with Law office of Nelson & Kennard on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
Consumer complaint received 2023-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have 2 complaints Complaint # 1 Before I paid of my loan, I called to ask about my payoff amount. I was advised by the service rep to use the online payment payoff versus the mail check payoff amount. This was the amount I got on Navients website and sent it to XXXX Navient, {$44000.00} Navient, {$26000.00} After adding up both loans I got XXXX to payoff the loan. 
When I called to verify if the loan was paid off I was told that I owe {$41.00}. Now my bill is almost {$270.00} in interest fees. 

Complaint # 2 Navient misapplied some of my loan payments. Everytime I try and speak to a customer service rep, they have a different story to tell me. I went and downloaded all my payments relized that the addition {$100.00} payments I was making was just going towards the interest and not the principal even though I instrusted them to apply the payments to my principal. I want Navient to reimburse me for {$3600.00}
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC (PA)

XXXX XXXX XXXX  XXXX has fraudulently placed an account on my credit report. I never had any contract with this company nor have I given permission to put anything on my credit report.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Consumer complaint received 2020-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (DE)

I recently lost my Discover Credit Card and informed the company about it through the mobile app. They included a notification before deactivaing my account that my online transactions and in store purchases on old account will be deactivated and they will send a new card the next day. On XX/XX/XXXX, after I received the new card, I could still use my old card to make a purchase on XXXX, I reached out the company about stopping all kinds of transactions on my old account including recurring charges ; they assured me that they have rechecked it and will stop all the transactions immediately. On XX/XX/XXXX, I could still make purchases on XXXX 's. Also, my recurring charge of XXXX monthly payment went through on XX/XX/XXXX. ( which btw is NOT marked recurring on Credit Card statement ). 
I called Discover to see what went wrong and why haven't they still not closed my account completely. The agent goes on saying that they can not do that, the agent on XX/XX/XXXX misinformed me about the policy. And recommended that I contact each and every merchant to update my billing information. I have thousands of merchants that I used over last 3 years with discover card, now they want me to reach out to each of them seperately to resolve the issue.
Consumer complaint received 2020-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX : XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX [ XXXX ] XXXX - XXXX On, or about XX/XX/XXXX, XXXX was ACTIVELY advertising, as usual, their so-called " XXXX Credit Card " with a {$150.00} incentive. At that moment, I chose to go to the APPLICATION page. After examining the page, I did fill in my name, and address fields, but, in second thought, I reneged, that is, I decided NOT to continue to fill in the questionaire, and I simply left the page, and, continued to search for an item for which I was seeking. I have been an active XXXX  REGISTERED SELLER, Since XXXX. As such, XXXX has my BIRTH NAME, ADDRESS, CITY, STATE, and postal Zip Code, and e-Mail address. 

A few days later, I received an ALERT from my Bank 's unit, XXXX XXXX, informing me that my CREDIT SCORE, had been DAMAGED, from an ILLEGAL HARD PULL, by an organization, known as, XXXX XXXX, in XXXX, CONNECTICUT. I have searched for as address on this perpetrator,, but, in spite iof the fact that they a have a downloadable, 40 + page Public Relations gimmick, they have apparently gone to extraordinary lengths to hide their physical address from consumers. 

THEIR HARD PULL, on my Credit Bureau, had damaged my CREDIT, by lowering my score, two points. I am working very hard, to repair my Credit Score, as I had serious health issues, in XXXX, and those debt, left me bereft of a good credit score. 
I DID NOT APPLY, for a ANY LINE OF CREDIT As such, I wish to politely request a FULL AND COMPLETE INESTIGATION, and a DEMAND FOR REPAIR, and a FORMAL LETTER OF APOLOGY FROM XXXX XXXX. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX, OK XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I am submitting this complaint againts Citigroup Inc. ( Citibank N.A ). I applied to a XXXX Citi Bank credit card for a balance transfer. I transfered an amount of {$2700.00} from a XXXX XXXX XXXX account ending on XXXX. After noticing that my XXXX account balance didn't go down to {$0.00}. I contacted XXXX on XX/XX/XXXX and they adviced me there was no request for any balance transfer. I called Citibank on XX/XX/XXXX right after XXXX. They told me the transaction had been completed. I told them my other balance never went down to zero. After speaking to multiple representatives. They told me that the card I tried to transfer doesn't match to the card they wired money to. Multiple representatives told me they transfer money to a card ending on XXXX, when my credit card ends on XXXX. My transaction initiated on XX/XX/XXXX and was completed on XX/XX/XXXX but my balance appear online after XX/XX/XXXX. They simply said " Yes it might take some time '' which is outrageous since my request started on XXXX and was supposed to be completed mid XXXX, they basically made me aware of my balance after XXXX. They told me the money they transfer money to also belongs to another XXXX XXXX XXXX account. I've been contacting this agency multiple times on XX/XX/XXXX, XXXX, and XXXX. On XX/XX/XXXX I had a representative by the name of XXXX who hung up on me after asking the status of my balance transfer dispute. Then I called again and made contact with XXXX who told me the investigation might take over 30 days. It was confirmed on previous multiple calls that the transfer was a representative error but they still haven't resolved my inquiry nor reinbursed my account back to zero balance. I also have prove about the representatives mentioning it was an error on their behalf. I talked to XXXX again on XX/XX/XXXX and he confirmed once again the transfer was made in error due to their representative. As a resolution, I want them to make my balance zero and reinburse my money for any payments I've made so far, so I can process the correct balance transfer.
Consumer complaint received 2020-01-13
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: ARVEST BANK GROUP, INC. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-13
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: JPMORGAN CHASE & CO. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-13
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: Onity Group Inc. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CO)

I consolidated my four XXXX loans in XX/XX/year>. Before consolidation, these accounts were reported as being in good standing, including being marked as 'paying as agreed ' for XX/XX/year>. However, for XX/XX/year>, these same accounts were erroneously reported as 90 days late. This is incorrect as these loans were in COVID-related forbearance throughout the entire year of 2021, a fact acknowledged in verbal communications with Nelnet representatives and substantiated by documentation from Nelnet itself indicating the accounts were in forbearance during this period. Despite over a dozen communications, including multiple phone calls with Nelnet where representatives confirmed the forbearance status during the disputed period, the company has failed to correct the reporting to the three major credit bureaus : XXXX, XXXX, and XXXX.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I made a cash deposits of Approx {$5000.00} and {$3000.00} at Bank of America into 2 business accounts that have no connection to my personal Account. I was asked to swipe my debit card because It was cash I was depositing. I swiped. The next day I noticed a {$1500.00} withdrawal from my personal account as a counter withdrawal at the time of the deposit into the business account. I immediately called the bank on XX/XX/XXXX To file the claim. To this day XX/XX/XXXX there has been NO resolution. 

Bank of America XXXX XXXX NJ XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-05
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. (PA)

My credit report summary for Experian shows the time since negative as 2 Years 2 Months ( see attached ). This is wrong. I have not been late on anything since 2014 following a period of prolonged XXXX. I attempted to contact them repeatedly by multiple means. This erroneous information is hurting my credit score and there's no place to dispute it since I don't see the negative item they're apparently referring to on my credit report.
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (PA)

As you can see from previous complaints, I have been struggling with incorrect billing with Mohela for months now. I had a bill due XXXX for XXXX which I paid on XXXX. My XXXX bill was during administrative processing forbearance. My XXXX bill was for XXXX, which I paid XX/XX/13. My XXXX XXXX bills had also been placed in administrative forbearance, and what I had paid will be refunded ( though I havent received it yet ). But NOW I received my bill for XXXX and I have a past due amount for {$14.00}!? How!?! All my bills have been either administrative forbearance or paid in full. Now Im worried they are again going to mess up my credit score or my counts for PSLF because they just keep messing up billing and payments. I also called three days ago was requested a supervisor call back, but I have not gotten one, despite their recording saying they will call in 25-48 hours.