davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Company : Bank of America Account type : Credit Card Issue : Data breach/card compromised. Was not notified in any way. I noticed on my Bank of America application that I had 2 credit card numbers with large balances. I hold only one card with them. I called and was informed of a data breach and that I would be issued a new card. They did not notify me of this in anyway. I was told that a letter would be sent with my new card. Additionally, I would imagine that this affected my FICO and Credit score sense I was showing twice the amount of debt that I actually owe. After the call with customer support they deleted all of my precious card information from my account. Now I can not review it to see if there were any discrepancies, charges, fraudulent activity, etc ... This can not be allowed. I feel that I was taken advantage of, lied to by omission, and treated unfairly. 

This issue occurred back in XX/XX/2019 according to the statements that i have available and the change to my account was made today after I discovered the issue.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

On XX/XX/XXXX I received a call from sears credit ( citi bank ) stating my account was past due ( by one day ) and if I wanted to stop receiving call I had to pay right away, so i paid with my bank card. ( canceled my card as well ) Problem solved, or not. In XXXX I applied for credit through woodmiser and was denied to low credit score, after receiving my credit report I noticed it dropped because sears credit says I missed XXXX 's payments. Yes the one I paid over the phone on my bank card. I called sears credit and they said the money was put towards the wrong account. They would refund me any late payments if they felt it was due. 2 weeks later I received a letter stating they there not doing anything about it it was reported as it should be. I called sears back talked to a manager ( eventually ) and " XXXX  '' said there was something wrong he'd have his " team '' look into it and get back to me within 3 days. That was 2 weeks ago. I disputed this the XXXX XXXX and it was deleted, now it seems im supposed to do this what the other 2 credit reporting agencies then if its not fixed by the reporting agency. Then I get turned down for credit then I have a suit against sears credit, the first words in fair credit reporting act is " fair ''. If there not responsible for there mistakes and I'm the one that needs to fix it please explain how that is remotely " fair ''. My score dropped nearly 80 points, it affects my interest rate on my credit cards. I was denied credit because my score dropped and sears doesn't have to do anything about it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-05-26
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)

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

XXXX XXXXXXXX XXXX  XXXX and XXXX  l opened : XX/XX/XXXX {$1500.00} XXXX And XXXX XXXX opened : XX/XX/XXXX {$650.00} XXXX XXXX Closed XXXX {$700.00} XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX {$240.00} XXXX XXXX Closed XXXX XX/XX/XXXX {$0.00} XXXX XXXX Closed XXXX XX/XX/XXXX {$0.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

Possible Finance is reporting 2 late payments on my credit report. This isn't the first time that has happened. I tried updating my payment information, however their App wasn't allowing me to nor pay the whole balance. I took screenshots of these errors. Possible Finance isn't taking any responsibility for the App issues. They don't want to be accountable. I tried updating my payment dates, which it wouldn't allow me to. I asked them several times to call which they never did. They don't want to accept the fact that their App was the problem, but instead they are painting me out to be the bad guy.
Consumer complaint received 2021-10-01
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. (PA)

To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.
Consumer complaint received 2021-10-01
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. (PA)

To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.
Consumer complaint received 2019-12-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

My social security number was involved in the Equifax data breach earlier this year or last year. When I found out that my social security number was involved, I went about the steps to claim compensation. Since I already have credit monitoring Services I opted for the cash settlement of {$120.00}. This occurred in early XX/XX/2019. I followed all the directions of their subsequent emails after filing my claim and have met all their criteria to receive the settlement. However it has been 6 months and I have not received any confirmation any settlement or anything regarding my claim. Equifax offered either 10 years of credit monitoring or the compensation and since I already have credit monitoring I opted to get the compensation of {$120.00}.
Consumer complaint received 2019-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC (AL)

I got a phone call from waypoint Resource group. The collection agent (?? ) demanded I verify an address. I refused as I have my bank account compromised recently. The agent refused to send anything by mail after admitting she had my address. I believe this may be regarding a balance with XXXX XXXX   XXXX  but I sent the modem back and got no correspondence. I saw this on my credit report and disputed it with XXXX.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I have attached the letter I sent to Navient asking to accept an offer to forgive the remaining balance on my loan. I believe from the outset I was not giving options that would have kept the balance of my loan from ballooning to where it is today. Instead of forbearance for a few years which ended up costing me tens of thousands of dollars, they could have directed me or at least offered me Income based repayments that would have at the time kept my balance at a manageable level. My original loan which started at approximately XXXX XXXX has grown to XXXX XXXX and continues to grow. I have paid back over XXXX XXXX since repayment started. The capitalized interest has destroyed my hopes of paying this loan off. I wasn't even afforded the ability during the pandemic to pause my loans or have the XXXX per month payment I've been sending go towards the principle balance. I feel Navient is and has been a predatory lender with regards to my loans and hope that at some point they are held accountable. They have been sending me mailings to change my loan to a private loan at a reduced interest rate for months now. Once again predatory in nature.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Sears credit card reported I was in delinquency years ago. Ive never been delinquent in any bill in my life. The company doesnt have brick and mortar stores anymore but is still harming my credit score. It is absolutely incorrect information they are reporting.
Consumer complaint received 2022-05-26
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: Synovus Bank (TX)

I have a legal right to dispute anything on my credit report that was not authorized by me.. 
The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXXU.S. DEPARTMENT OF EDUCATION # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
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: Professional Credit Management, Inc (TN)

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed Professional Credit Management ( PCM ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and PCM has failed in correcting the erroneous information. Since PCM continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Consumer complaint received 2021-10-01
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. (TN)

Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed XXXX  XXXX  XXXX ( XXXX  ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and XXXX has failed in correcting the erroneous information. Since XXXX continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

Citibank seems to not care at all about complaints registered at CFPB. 

This is a request to careful, carefully, the previous complaint number XXXX. 
Your careless review lead you to reply about a previous XXXX XXXX, while the complaint was in regards to the most recent XXXX XXXX ( XXXX ). 

It is so unfortunate that now even when requesting help from a government agency, Citi also provides poor customer service. 

Maybe one day all these records lead to a big fine. Then maybe Citi will look into improving their services.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC168. And they violated my rights numerous if times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts 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 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I opened an account with XXXX Bank in XXXX. I have paid on time and in full every month. XXXX and XXXX have updated monthly accordingly. Equifax has not updated my account information or payment history ever. Not one time has it been updated. I e reached out to XXXX bank and told them the issues they said its correct but its not. I filed a dispute to have my information updated but it just comes back verified when its not. I showed them proof of my history but they still say everything is accurate when its not.
Consumer complaint received 2023-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I have contacted all three bureaus several times regarding an account with XXXX that is reporting improperly. There are inaccuracies with the date opened, last payment date and date last active. The bureaus have updated my accounts several times but have not fixed the inaccuracies.
Consumer complaint received 2021-10-01
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: ALLY FINANCIAL INC. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is effecting my chances of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2020. The bureau reporting is XXXX. Thank you!
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-05-26
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. (TX)

I have a legal right to dispute anything on my credit report that was not authorized by me.. 
The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX -U.S. DEPARTMENT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
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: Continental Finance Company, LLC (FL)

I called and spoke to XXXX  customer representative on XX/XX/2021 and informed them that I havent received any statements and that the balance is incorrect because I havent made any purchases on this card in the last five months. I told them I need them to send out all the statements so that I can dispute these charges because they were fraudulent. The representative stated that I couldnt do that until they send out a new card I repeatedly told the representative not to send another card I wanted the account closed as of XXXX XXXX when I placed the call. They did not close the card the added XXXX fee to the card left the account open and opened a new card account took my auto payment off which caused a missed payment and they reported on my credit file. Which is totally wrong I never told them to stop my auto payment this has drastically affected my credit profile negative! They continued to report that the card was opened and over the limit because they added a annual fee of XXXX to an account that I asked to have closed immediately! 
The behavior and response from XXXX is horrible! 
My account has always been on automatic payments never ever a missed payment until they changed my card to that new card which I told them NOT TO DO!!! 
They have not given me any statements other than XXXX they gave me a claim department number and no one ever answers or responds to calls they gave me this name and number XXXX claim number XXXX however she never calls back about the claim this has ruin my credit during an pandemic when I need it the most .... unacceptable
Consumer complaint received 2024-04-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (IA)

LVNVFunding LLC, regularly sends emails claiming they have a limited time to work with me before returning my debt to their " Client. '' this is against several FDCPA laws. LVNV is not allowed to make false claims they represent someone or something else. They can not claim they represent a " Client '' and not identify who the true debt Holder is. I have asked for verification of the debt and they have not provided it. LVNV is not allowed to attempt to collect the debt until verification of the debt. They have broken several laws and continue to break more. I have asked them to cease communication with me except through mail. they continue to email me seeking to settle " while they still have time. '' LVNV also called several members of my family and my wife 's family notifying them that are looking for me to pay a debt. They are not allowed to contact my family unless to find contact information, which they already had and did not need to seek to intimidate me through harassing my family. They are not allowed to disclose they are seeking me to pay a debt to my family either, they are only allowed to say they are a debt collection agency. They informed family members they were looking for me to pay a debt. LVNV Continues to report false information to the credit bureaus. They claim to own the debt when reporting to the agency but in their email, they claim they are working for a client. So either they own it or they don't. This is fraudulent reporting and against the law.
Consumer complaint received 2024-04-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Amsher Collection Services, Inc. (GA)

I filed bankruptcy in 2022 this XXXX account was included we dropped off phones, XXXX etc. now they added this as a collection on my credit reports. Amsher collection services inc has never sent me any validation letter or show where i had any new account with XXXX never had a bill for XXXX theyre trying to double dip. According to code FCRA SECTION 604 and Section 609 this shouldnt be happening. This has been wrongly reported on my credit file XXXX XXXX and XXXX and XXXX reports please help Ive also had inquiries of someone fraudulently trying to get credit cards in my name, i got a police report from my car being stolen in XX/XX/year>XXXX  had to put a credit freeze on my accounts