davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (CA)

I have two accounts with Comenity Bank. One being the Ultamate Rewards Card and the other being a Visa with XXXX. 

I paid off these cards on XX/XX/XXXX and they are still reflecting as having a balance with all three credit bureaus. After looking closer to the credit reports it looks like the balances and/or payments have not been reported since XXXX of XXXX. I reached out to their customer service lines today ( XXXX XXXX, XXXX @ XXXX ) and was told in both instances that their credit reporting systems have been inactive since XX/XX/XXXX and they do not have an estimated time of repair. 

Isn't it their due diligence to report accurate information? 

I am in the process of buying a home and this will directly affect the rate I will get. I believe I have disputed this already but will check for details as they then reported the balances shown were accurate. This would then be fraud? 

What can I do to fix this problem since I have disputed with no positive outcome?
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

I filed my borrower defense to repayment in XXXX of 2015 and Navient has still not put XXXX of the ffelp loans that shows up in my name into administrative forbearance despite several emails to the department of education and despite Navient putting all of the other loans under my name into administrative forbearance. I will not talk on the phone with them because they always end up lying to me or lying about allegedly not receiving documents I send. I want written communication only. I was the victim of for profit fraud and I want the administrative forbearance I am legally entitled to. They had this account in forbearance. I do not know why it isnt anymore but I am being threatened with default when I filed my borrower defense to repayment for these loans.
Consumer complaint received 2023-03-17
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: LEXISNEXIS (CA)

I am writing this complaint to LEXISNEXIS I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

Someone using my parson information to purchase stuff from XXXX XXXX, it wasn't me even I had to closed my account last year in XXXX and I had reported that many times but still not fixed, still received bills.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX
Consumer complaint received 2023-03-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc. (IL)

Last week I received a voicemail from a XXXX XXXX in AARS. He left a vague message saying that I owed money and to call him. He also called friends and family and called my sister and spooked her as he mentioned her by full name and contact details like her home address and other personal info. When I contacted him he said I owed money but was not saying from where he worked with and for who he was calling about. When I asked to verify who he was he got hostile and said I was stalling the process and he was going to put a judgement on me if I didnt act in 3 days. Yesterday I got a voicemail from him saying theres a judgement on me and that they were looking for me but failed to find me so I was going to be marked as a non compliant and the court case will go without me. That they could not reach me at my house or my job. But no one came to my house because I was home all day. I did my research and the account he speaks of is not under his company and there is no judgement in my county against me. Today I called him to ask him to verify the account and send me the paperwork that shows that his company is handling the account through mail and he refused saying that if they did that for all their customers they would spend millions. When I said it was my right and the law he said not to read those phony government websites. He then said that he will file the paperwork to sue me and because I was unwilling to work with him but he was not trying to verify who he was or the account. I had called my original creditor and the company and the amount did not match with his. He was also sketchy because he called from different number and the company number he gave is not found online. He said only he was the only one that can work with the account and nobody in his company or the original creditor could help me. Then he said good luck to you and in life. 


The information of the individual XXXX XXXX AA Recovery Solutions XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am a Natural Person, I am a living Human Being, I have rights under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of incorrect addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

My loan was sold to PHH sometime in XXXX of this year with the first payment due XX/XX/2020. However they failed to pay my property taxes which was due XX/XX/2020 out of my impound account like it always has been with each previous lender I have worked with. I currently have an impound account setup with PHH and can see that they are going to make the next payment XXXX of this year. I am getting no where with them. They asked me to provide the delinquent bill that I got form the county which I did and they still arent providing any support. The county now wants a 10 % late fee on top of the regular bill. I can not get PHH customer service to even understand what I am asking for let alone someone to help with the situation. 

They just keep telling me the paid {$870.00} which that does show on my online account but the county has no record of that not to mention my property taxes are {$2400.00}.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (DE)

Wise closed my account without notice ( no email or any communication ). 

I tried to login, account deactivated after years of use without any issues. 

They gave me no reason. 

I read their ToS and it could be only 2 things.

- can't have 2 personal accounts unless permitted < i literally spoke to a rep on live chat a year ago confirming it's OK for me to have 2 personal accounts since they're tied to 2 separate businesses. You can look up chat history to see this. 
- they receive a large XXXX transfer for me since SVB got taken over the FDIC, I moved my money to Wise just for a day to then transfer it to my newly opened XXXX corporate account that morning but by the time I'd access my own money, my account was deactivated without notice!!!! 

Now Wise has declined my appeal for incorrectly deactivating my account And I can't access my funds, getting half-complete answers, and saying it could take 30 days?! to have my appeal processed / funds sorted which is ridiculous
Consumer complaint received 2023-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of Identity Theft. I have been trying to resolve this matter for 2.5yrs with the original creditors as well with the Credit Bureaus XXXX I have contacted several times, by email, phone and mail providing them with legal documents as well. These 3 accounts are fraudulent Kohls, XXXX and XXXX XXXX. I have not gotten any resolution in this matter at all. PLEASE HELP.
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

I filed for unemployment on XX/XX/2020 and applied for debit card from Go program at the same time. I approved for unemployment and receive XXXX + {$500.00} a week. I have NEVER received a debit card from anyone, and on my Login it says 3 of my payments are on a debit card. I opened a bank account after 3 weeks of NOT gettting my debit card from yall. But I still need the debit card to get my {$1800.00}. Please send me a debit card. but I want all my unemployment to stil go to my direct deposit I have.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

The problem is : the Mortgage Company Mr .Cooper and now it they division : Right Path Servises not providing required Statements : Current Mortgage Statement, My Forbearance balance and total I owe with an interest rate in written documents I have to have to Reinstate the Loan and get out of Forbearance. I been trying to get it since XX/XX/XXXX, send them about 5 letters asking remove cease and desist and send me written statement, requested by Housing Counsellor, that they have to have to help me apply for the Grant, to Reinstate the Loan. I file 5 complaint on my account with my mortgage servicer. I have the record of that and number of complaint. They told me those documents does not exist because my Bankruptcy in XXXX. But use to get monthly statements before : like I got on on XX/XX/XXXX, I been calling many times, asked to talk to manager and they always tell me they cant transfer me to manager and they cant do anything. They proposed New Loan Modification that financially way worst then my existing, it same as buying brand new car for bank every 5 years, that for single mother a lot. I want to Reinstate the old loan, pay the Forbearance balance, and they preventing me from doing that, I cant apply for government grant that available to homeowners because I cant get a Mortgage ( Information ) statement from them. I dont know that to do. I need it ASAP!!! Thank You for your help!!!
Consumer complaint received 2020-09-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC. (NY)

I have an issue which is reporting on my credit report from Ally financial. The Payment status reporting is not accurate and confusing. I went ahead and sent a letter to Ally requesting more information ( see letter attached ). I did get a response from the dated XX/XX/2020 claiming they can not conduct a reasonable investigation and they are requesting more information. I Provided them with sufficient data to do a proper investigation. I provided my full social along with the partial account number which reports on my credit file. I believe they are trying to circumvent a proper investigation ( see attached ). 

Other issues that I have and prompted the investigation is the missing payment history from XX/XX/XXXX-XX/XX/XXXX. I also completed the term of the loan in good payment history leaving a XXXX balance how can this account be a chargeoff/collection.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

Hello, I submitted a request to all three major credit companies, XXXX, XXXX, and Experian, on XX/XX/2022. I asked to have an investigation done on various accounts on my credit report, including some that I stated may have been fraudulent. I sent my inquiry letters by certified mail and got a receipt of delivery which I can provide if needed. I received a response from only one company XXXX on XX/XX/2022, requesting more information. This was sent 5 months after receiving my initial request. I received no response from the other XXXX companies. It is now XX/XX/2022. This is unacceptable and from my understanding, they are to remove the requested items due to their lack of response.
Consumer complaint received 2020-09-28
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. (MD)

I made two payments to XXXX XXXX/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to Equifax as open and delinquent. This same account is properly reported to XXXX  and XXXX as paid in full and closed, but for some reason they are refusing to report that information to Equifax.
Consumer complaint received 2023-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a notice from Transworld Systems Inc. ( TSI ) indicating that I owed a debt of {$93.00} under reference/our account # XXXX ( notice uploaded ). I spoke with XXXX XXXX at TSI, who explained that the creditor was Transworld Systems Inc. She let me know that it may have been connected with a rental car company XXXX XXXX and that they were notified of the debt on XX/XX/XXXX. I own a XXXX XXXX truck, which I took delivery of XX/XX/XXXX. Upon taking delivery, I noticed that the truck had issues that required serviceXXXX XXXX  reserved a rental car for me upon sending in my truck for service, on XX/XX/XXXX ( confirmation uploaded ). XXXX contract XXXX reflects the terms of the rental, and final receipt provided by XXXX on XX/XX/XXXX reflects {$0.00} owed. Subsequently, I had additional issues with my truck that required a second service appointment. XXXX again contracted with XXXX under contract XXXX ( uploaded ) on XXXX. Again, the receipt I received from XXXX, uploaded, reflects {$0.00} owed upon termination of the rental. To avoid unnecessary impact to my credit, I paid the debt of {$93.00} over the phone with the help of TSI employee XXXX XXXX on XX/XX/XXXX - confirmation # XXXX. I do not believe I actually owe anything, as the receipts I received from XXXX indicate {$0.00} owed and I was never contacted by them for anything owed. Therefore, I would like a refund of the {$93.00} I paid on XX/XX/XXXX. Thank you
Consumer complaint received 2020-09-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is now obvious that the three credit bureaus, XXXX  in particular, has a scheme to drive down credit scores so that it can create revenue with high credit risk lenders. I will be contacting my attorney to file a class action law suit.

1. I have sent them 2 letters from XXXX showing that they have removed a bankruptcy. The response from all three credit bureaus is that they don't have to reinvestigate. 

2. XXXX and XXXX XXXX XXXX  have charged off accounts back in XX/XX/XXXX and every month thereafter is reporting thirty days late. It is against the law to write off a debt and then proceed to report negative entries. 

3. XXXX XXXX Accounts were not disputed and were good credit tradelines and was removed from my file by all three bureaus so that my score would stay low. 

4. XXXX XXXX XXXX and XXXX XXXX were removed and then put back on my credit report. XXXX was never late and XXXX XXXX was never late, but yet still on my credit report. 

5. I have disputed the inquiries and was told by XX/XX/XXXXthat I must deal with the people who put the inquiries on there.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I got a debt consolidation loan to pay off my two capital one credit cards. The bank that issued the loan ( PSECU ) did not give me the correct account number and it caused the payment to Capital One to be returned. After getting the correct account number from XXXX ( different from the one they gave me in my online banking ) I made another payment to Capital One. I called Capital One to notify them promptly of the situation. They said it would be ok and that they dont penalize someone for a returned payment. Now, 36 hours later, Capital One closed both of my accounts over this returned payment without consulting with me. I have been a member of Capital One for 14 years without any issues and this account closing will destroy my credit score through no fault of my own.
Consumer complaint received 2023-08-15
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. (NV)

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

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
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED 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