davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Mark Heldenbrand PC (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 
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Consumer complaint received 2021-04-20
Product: Credit card or prepaid 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: Exeter Finance, LLC. (CA)

I submitted a CFPB complaint about this issue ( complaint XXXX ) to which the company responded and the CFPB allowed to be closed. On XX/XX/XXXX I sent, and EXETER FINANCE received, an Affidavit of Truth, Debt Validation Letter pursuant to 15 USC 1692g, a Cease and Desist Letter and Exhibits displaying only a few of their violations. EXETER FINANCE failed to provide a wet ink contract and an Audit Trail according to GAAP standards that I requested. EXETER FINANCE violated the Cease and Desist letter by calling my telephone and leaving messages : XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX at XXXX ( XXXX XXXX XXXX, and sent postcards, and mail with consumer rights violations to my personal address. They continue to furnish deceptive documents, report false information to credit reporting agencies and use my personal information unauthorizedly. I filed an Identity Theft Report to the FTC # XXXX. I humbly ask that the CFPB help me to enforce against this company for its blatant disregard for federal law and outright breaking of the law. I have attached proof of their receipt and proof of their breaking federal laws, and breaking the Cease and Desist. This company is causing me a great deal of stress mental anguish, through their deception, theft and failure to remedy this issue. This situation is costing me valuable time, money and affecting both my children and I greatly. Please help. Thank you.
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

Application for loan forgiveness completed XX/XX/XXXX for loan taken XX/XX/XXXX denied XX/XX/XXXX page 3 section IV Of my application for forgiveness I indicated I DO NOT hold a XXXX XXXX XXXX or XXXX  and XXXX XXXX XXXX FAILED TO INFORM me that this would inhibit my ability to utilize my education to find employment. This would fall under the Borrower Defense Regulation for : False Certification of Ability to Benefit Discharge however my application was still denied and I was also informed that I do not have access to my educational transcripts proving that these units were completed so that I am be able to prove that I attended this school
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TN)

I already have a complaint that was filed with you ..case number XXXX XXXX.I wanted to add that my loan was in the " Conditional Approval '' stage with some conditions that I needed to meet. The condition was that I make repairs to the deck and and have re inspection done..well I did everything they asked of me and deck was inspected and passed..they are now saying that they are denying loan because I need porch repaired and inspected. I have explained to them and supplied documents of this being done. The loan officer XXXX XXXX does not like me because I have been pushing him to get stuff done on a refi that has now taken 3 months. He takes delight in trying to make loan fail.He will not respond to any emails or phone calls. I have met the criteria and have documents to prove this.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I was charged multiple times for the same thing and from same company..I tried disputing the charge since I did not recognize the transactions I also disputed some XXXX dollar charges that were continually charging my card for the same thing the same exact time as I was doing the other dispute.. 
.Bank of america quickly issued a credit for the XXXX dollar charges but did not Even investigate the high dollar amount claim..they quickly denied me ..I know they didn't investigate my card and its not right that they pick and choose what they want to do for us..
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (AZ)

RentDebt Automation is reporting monthly an old rent debt as an active trade line collection to all three credit bureaus. 
When I spoke to RentDebt Automation on XX/XX/2021 the company shared that the debt was too old for a law suit or to be collected.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (IN)

Hello, sorry for the late email, my schedule is hectic so I apologize in advance, my name is XXXX. I just received a letter from a debt collector called Hoosier Account Service, and I decided to visit the cfbp.gov debt collector website it listed, while going over the public information I realized that you mention several times that debt collectors must allot you 30 days to dispute the debt. I received several letters regarding different debts from these same collection agency and on all of them they give me less than 30 to respond to their dispute. Can I use this to get these disputes dismissed? Because they didn't follow this new law and give me the 30 days to respond? I can send a picture if its a necessity to fight them. Also is there a time period that they can not keep trying to collect after a certain period of time has passed? Thank you for your time and patience with me. Please respond asap I will need to respond in writing in the next few days. God bless!
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : XXXX I have obtained additional evidence supporting my complaint, and I'm told I can not re-open the original complaint but can file a new one. 
I have two Capital One credit cards, at issue is my CapOne Quicksilver card. I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX of XXXX, an organization that supports families of fallen police officers. CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne XXXX charges more than 29 % interest on the cash advances. I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus anadditional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. 
CapOne 's response contained multiple false statements. I had been a customer for many years, and NEVER was it disclosed to me that XXXX transactions were considered cash advances prior to my phone call with Cap1 on XX/XX/XXXX. Additionally, the Cap1 XXXX app CLEARLY indicates XXXX was not a cash advance but a purchase. In no case did I ever receive cash from ANY of my XXXX transactions, therefore how could it be a cash advance? Not a cash advance. Had I known XXXX was deceptively labelled as something it wasn't, I would never have used it and avoided debtors prison. No matter how much I send to Cap1 in payments, my balance continues to grow well beyond usage. What other hidden fees are they assessing? I have attached statements that do not indicate XXXX is considered a cash advance, and one screenshot from the XXXX app showing XXXX is a purchase. The XXXX app doesn't allow access to statements or older transactions.
Consumer complaint received 2021-12-21
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. (MI)

The Dept of Education has 8 late payments listed on my credit report. During this period I was contesting the amount owed with DEPT of ED. The amount owed listed on my credit report is not the payment balance I am mailed each month. The amount is still incorrect and so are the late payments. These late payments listed are violations of FRCA.
Consumer complaint received 2021-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio Recovery Associates ( PRA ) issued a wage garnishment through XXXX XXXX XXXX for {$1200.00}. This was paid to XXXX XXXX XXXX on XX/XX/2021 via wire transfer and was acknowledged as paid in full by both XXXX XXXX XXXX and PRA. On XX/XX/2021, PRA sent me a letter stating that there was a balance due on the account. I contacted them and spoke with XXXX, who stated that the account was paid in full. After filing a dispute with the credit bureaus due to the information being inaccurately reported, PRA issued me a statement on XX/XX/2021, claiming that I still had a balance on the account in question for {$22.00}. I contacted PRA once more, spoke with XXXX, and she stated that the account shows as paid in full, but until I paid the {$22.00}, they would continue to issue a statement showing the balance. On XX/XX/2021, I received a letter stating once more that the account was paid in full, and that the balance is {$0.00}. Now once again, on XX/XX/2021, I received another statement from PRA claiming that there is a {$22.00} balance on the account. When I called PRA, and spoke with XXXX XXXX? ), and explained that I have communication stating that the account is paid in full. She stated to me that " unless I paid the balance they sent me, they will continue to contact me on the matter ''. When I explained that I have several letters dated from XXXX and XXXX that state the balance is paid in full, she proceeded to tell me that I " need to just pay the XXXX money the system says I owe ''.
Consumer complaint received 2021-12-21
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: AMERICAN EXPRESS COMPANY (TX)

I had a credit card with American Express. 

I was slowly paying back the debt on every paycheck. One day the stopped collecting payments and sold my account to another company. 

However they continue to post the total amount from when I began paying them back. I have contacted AMEX and they no longer hold that account. 

It continues to show on my credit since and theres no way for me to remove it or settle it.
Consumer complaint received 2021-12-21
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

My complaint has everything to do with Experian.com. Unfortunately, I do not have any dates ( over 4 to 6 months ) of me attempting many times to gain access and or verify my identification for them. 
The issue began when I was attempting to refinance my car as well as acquire a personal loan. Well, when the bank institutions needed to see all 3 credit bureau files, only 2 of them complied. I was told that Experian was not cooperating as if I placed a credit freeze on my account ( which I had not ). 
So, this problem began when I attempted to gain access to my own credit report with Experian. From what I gathered, Experian has had several data breaches over the years which forced them to tighten their security. Unfortunately, these breaches have made it impossible for me to gain access as well. I tried several times on my cell phone to create an account along with a password. Then, I needed to upload my identification. Immediately, afterward, I get an error message stating, " try back later '' or " system is down ''. I tried at least over 10 times to no avail. I called probably more than 20 times to Experian for assistance. However, the automated phone system doesn't give you the option to speak to a representative because it asks you ( the consumer ) limited questions that don't describe the problem. 
After about the 14 calls to Experian, somehow a representative took my call. This representative had language barriers. It was obvious she was from an XXXX country based upon her accent. Apparently, I challenged the REP because she had to place me on hold to seek more information from a supervisor to assist me. 
The REP stated, they were going to delete my account and that I create a brand new account using a desktop or laptop computer rather than my cell phone through XXXX XXXX browser. Of course, I wanted to attempt these instructions while I had the REP on the phone. Unfortunately, I was told, I could not attempt until 2 or 3 days later ( I'm guessing the system needed to reset my account ). 
After 3 days, I attempted to follow the instructions and the system stated, " error, try back later '' or " system is down '' all over again. Of course, I was going crazy because all I wanted is to give the banks authorization to access my Experian Credit Report. I don't really need to see my report. This has to be one of the most frustrating problems I have ever encountered.
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (TX)

I recently paid off two Comenity  store cards, XXXX & Victoria Secrets. I paid in full the account balances, one in XXXX and one in XXXX, leaving with a statement balance of zero. Today I decided to double-check my paid-off accounts and there was now a {$2.00} interest charge. I called both credit card account services and no one could explain to me WHAT BALANCE they were using to charge interest. Having had this happen with the same bank, Comenity and BOTH were paid off, it greatly concerned me. Being in later years, I am aware enough to double-check banks. I worry about the younger first-time cardholders, using Comenity, getting a serious DING to their credit report not being aware the Comenity charges interest on a ZREO balance card! Late payments could be serious! Both, XXXX and Victoria 's Secret Comenity credit cards EASILY and extremely willingly took the charge off and I am good. Just want to report the fuzzy math interest charges to help others.
Consumer complaint received 2021-12-21
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. (AZ)

I have contacted experian multiple times and they still are reporting fraudulent information i have contacted creditors in question and they all told me its experians errors XXXX and XXXX already fixed the problem and removed the fraudulent inquires and accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX
Consumer complaint received 2019-11-27
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. (CA)

On XX/XX/2019, a dispute was sent to Experian for a fraudulent credit inquiry and employment information. Experian responded and although the fraudulent inquiry was removed from the report, the fraudulent employment information still remains.
Consumer complaint received 2022-11-23
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)

In according with the Fair Credit Reporting act XXXX, Account nameXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (FL)

I originally attempted to change my due date upon recieving funds from this company. You can never get thru to a specific branch. I made a payment XXXX and funds were not attempted to be removed until the XXXX. Per my online bank payment was declined was not enough funds to cover it in my spending account. I moved money over from my savings to my checking immediately. I called the branch located closest to me talk to someone the gentleman confirmed there was not a decline of funds on their end. I asked would system try to recoup payment a XXXX time and he wasnt sure but didnt think so. Me scared of getting a past due fee and owing money for return fee I made a XXXX payment. I went in office logged into my password protected bank website showing both payments. I was later called asked for a statement. I was not able to give it because statements are drafted end of the month. They claimed they would work with me but they needed something with my name and the transactions. I spend money on things like normal people so I used my search bar to ensure transaction history showed the 3 payments I made thus far and even showing the day the funds were deposited. Since its the transaction history when I use the scroll bar to show other transactions it was not going to show my name. I am upset because its near XXXX and I said from day XXXX change the due date so its not so close to the first check of the month. These people are holding my funds if I get the statement in XXXX for XXXX the payment due the XXXX that will defeat the purpose of asking for it back.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (FL)

On XXXX, I noticed that there were several unauthorized charges on my Citibank account tipped off from a charge of {$25.00} for XXXX XXXX XXXX in New Jersey. I alerted Citibank and they credited my account and sent a new card. I received my new card yesterday and have been attempting to use my card to no avail. I called after XXXX eat to see what was going on only to be told that the fraud department has my account locked under review. I asked when it would be unlocked, I keep getting the same generic answer that they dont know. I was told to call back today XX/XX/2021 to speak to them where represent XXXX told me that there is nothing I can do but wait. I informed them that I have emergencies and need my funds and they caused several of my bills to reverse this weekend, she then said nothing she can do and began to talk over me and say there are other calls to take. I asked for a manager she then told me they will tell me the same thing and refused to transfer my call. Citibank is causing me great financial harm by locking me out and now I have no access to food in the week of XXXX.
Consumer complaint received 2021-12-21
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)

On my credit report it shows that I have an open account with XXXX. I never opened an account with them and when i filed an investigation they closed it and said nothing was fraudulently opened in my name.
Consumer complaint received 2021-12-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is on my credit report as of XX/XX/21 Remarks Dispute resolved consumer disagrees Payment Status Past due 30 days Ive never received any communication that this dispute has been resolved. 
Bank of America is reporting that my account has been delinquent during a dispute. 
I disputed this over 90 days ago and have received no communication that it has been resolved in my favor or not. This is breaking the law.