davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (AZ)

On XX/XX/19 applied online through XXXX, innovis, and XXXX XXXX to freeze my credit report.  For an unknown (possibly technical) reason, I was not able to complete the online applications.  For XXXX specifically, I froze my account by phone, after online attempts were unsuccessful.  The last prompt from these credit companies stated that a PIN would be sent to me through the mail.  More than 2 weeks later, I have not received any PIN, correspondence, explanation, or any kind of communication from these 3 companies.  Freezing ones credit should not be a long drawn out process.  If a consumer is freezing their credit, it is pretty important and should be addressed in a reasonable amount of time.    If there was identity theft involved, I think 2 weeks is too long to wait to protect my information.  Where is my PIN?  Are my accounts truly frozen? Who knows.  These credit companies don't protect my information, and should be held accountable, more so than a pathetic $XXXX payout (hush-money) or 10-yr credit monitoring.
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

First National Bank Checking XXXX On XX/XX/XXXX I received a phone call from the bank. I was told that there were two withdrawals fraudulently made for a total of {$500.00}. 

XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$200.00} ) XX/XX/2018 XXXX ATM WTD XX/XX/XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ATM ( {$300.00} ) I went to the bank branch office immediately and filed a claim. The bank deposited {$500.00} into the account. 

On XX/XX/18 the bank withdrew the {$500.00} out of the account. I called XXXX. The person in the call center could not reverse the withdrawal or tell me the reason that the funds were withdrawn.
Consumer complaint received 2018-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

Hello, My credit report was dropped due to these 4 companies Cap One, XXXX, XXXX XXXX, and XXXX. My account was on security lock monitor during the inquiries.I am very disappointed because my credit was ran without permission, Capital one was suppose to pre-approve a card to up my credit instead it was ran numerous time.All 4 company didn't suppose to check my credit.
Consumer complaint received 2018-08-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

I have concerns with how Navient handled my consolidation loan repayments since consolidation over two years ago. It appeared to me excessive interest payments and fees were charged based upon how Navient structured the loan repayment start dates so as to, in my opinion, intentionally maximize their interest rate profits at my expense.

As of last month 's payment XX/XX/2018, Navient had in place an online feature which included a running balance feature. This feature is crucial for loan repayment as it allows us, the consumer, the ability to spot any errors and to quickly spot, exactly, how our payments are being allocated. More importantly, it provides a permanent record of all transactions on our accounts. The removal of the running balance feature creates a tremendous hardship for the consumer in having to factor extensive math equations in order to keep for themselves accurate running balances.

Why has Navient removed this feature? It is troubling that Navient would remove this running balance feature, especially now, in light of the complaints filed in recent law suits alleging Navient has mishandled student loans repayment monies. Please advise.
Consumer complaint received 2018-08-25
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MO)

I submitted a complaint with the CFPB on XX/XX/18, the case number is XXXX. If you go back to that complaint and look at XXXX response youll see that XXXX responded that the XXXX loan accounts were consolidated, closed and paid in full on XX/XX/18. XXXX also said in that response that they would report the status of my loans to the credit bureaus on the last day of each month. XXXX said, Therefore, we will update the consumer reporting agencies on XX/XX/2018 that your loan account is now closed since your loans have been paid in full by consolidation. The above statement was a lie. XXXX never updated Experian that the XXXX XXXX loan accounts were closed and paid in full. Experian presently shows the accounts as being open so right here in black and white in my CFPB report you can see XXXX lied to the CFPB about updating the credit bureaus that the accounts were paid in full, consolidated and closed. XXXX is doing this out of Spite and from XXXX response they have no respect for customers or the CFPB. XXXX blatantly lied in the response. It is almost XXXX and XXXX has yet to update Experian that the XXXX XXXX accounts are closed. I submitted/uploaded evidence from the CFPB response that XXXX sent stating the accounts would be reported consolidated, paid in full and closed on XX/XX/18 but XXXX still hasnt updated Experian and I submit a complaint about it everyday and XXXX has yet to fix the problem and Experian refuses to allow me to dispute the item not to mention Experian treats me like a liar when I state nothing but truth and facts. Experian said they believe XXXX because XXXX pays them. Why are XXXX and Experian allowed to lie to federal agencies without any consequences?
Consumer complaint received 2019-08-20
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. (TX)

inaccurate information still showing on on credit report. XXXX XXXX   open on XX/XX/XXXX fraudulent amount XXXX  - this does not belong to meXXXX XXXX XXXX  open on  XX/XX/XXXX fraudulent amount XXXX  - this does not belong to me.
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

This should not have ever been reported as a repo -- the account was less than 30 days delinquent at time of repossession -- at some point the account went 45 days delinquent - the account was brought current but they forgot to remove the repo order ( per the representative ) but because it was repossessed the only way for me to get the motorcycle back was for me to pay the full balance which I dont feel was fair -- now it shows a invailid deficiency balance -- the motorcycle company feel that it should not be repossessed but they cant do anything s
Consumer complaint received 2018-08-25
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: BARCLAYS BANK DELAWARE (NC)

In XX/XX/XXXX, I cancelled the XXXX card that I took out in XX/XX/XXXX, because none of the inducements to applying for the card had been provided. When I called and asked that the annual fee of {$95.00} be refunded, that request was denied. I have paid all the amount due on my card, less that {$95.00} and wrote to them disputing the debt. They have made no attempt to resolve the issue and instead have charged late fees and interest and have now taken the step of reporting me to the credit agencies as delinquent on the account in an attempt to bully me into submission. They have lied, deceived and made it as difficult as possible to try to access the benefits promised. 

I request that the debt be written off and Barclays Bank be required to do whatever is necessary to repair my credit record with the 3 reporting agencies.
Consumer complaint received 2021-12-06
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. (NY)

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. The Transunion Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2018 I went to the Bank of America ( BOA ) website to check my credit card and saw an advertisement that said BOA was opening branches in XXXX ( my city ) and offering a {$300.00} bonus after meeting the terms of the account. I opened my account and captured a PDF of the exact offer I used just in case. On XX/XX/XXXX, I contacted their customer support team ( via XXXX ) to confirm the offer since I didn't get anything in writing. The customer support asked me to email documentation, which I did that same day ( XX/XX/XXXX ) - this is Case # XXXX. A few days later, he called back and confirmed the {$300.00} bonus. A few weeks later I met the terms of the bonus ( including changing my direct deposit for over {$4000.00} ). On XX/XX/2018, I receive a letter in the mail saying my bonus is only for {$100.00}. I contact the customer support team again and receive a call on XX/XX/2018 saying that I was not targeted for the {$300.00} bonus. I explain that I am targeted and I still see the offer when I go to login to the website, I also tell them about the previous case where I was told this was resolved and submitted the offer. They will not honor the original {$300.00} bonus offer. 

Also, the offer is viewable here : XXXX XXXX XXXXXXXX XXXXXXXX I'm attaching a PDF version of it.
Consumer complaint received 2018-08-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (TX)

I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.
Consumer complaint received 2022-07-25
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Red River Collections Inc. (ND)

1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff,  XXXX ( hereinafter XXXX ) is a resident of, North Dakota. 
3. The Defendant, Red River Collections , Inc. ( hereinafter Red River Collections ), is a North Dakota Corporation, with its principle place of business at XXXX XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX in XXXX County, North Dakota. 
4. This court has legal jurisdiction in this matter.

5. Red River Collections is a debt collector for XXXX XXXX. They allege XXXX owes {$990.00}. 
6. Red River Collections has reported said account as a negative remark on XXXX Credit Reports. 
7. By Red River Collections reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
8. Said negative remark has been and is damaging to XXXX credit score. 
9. On XX/XX/2018, XXXX sent a letter to Red River Collections for validation of said account ; NO RESPONSE was received by Red River Collections. 
10. Evidence will show Red River Collections received the letter on XX/XX/2018 at XXXX XXXX 
11. Red River Collections failed to report to the credit reporting agencies the item was being disputed. 
12. Red River Collections failed to abide by Fair Credit Reporting Act Section 623 and Fair Debt Collection Practices Act Section 807 ( 8 ) by not reporting the item as disputed. 
13. They also violated Fair Debt Collection Practices Act Section 809 ( b ), FTC opinion letter Cass from XXXX by continuing collection activity when they sent the Plaintiff a Summons and Complaint on XX/XX/2018. 
14. Red River Collections still continues to damage XXXX credit score by reporting this Innacurate information to the credit bureaus. 
15. Failure to response to said letter violated the Fair Debt Collection Practices Act ( Section 807-8 ) and violated the Fair Credit Reporting Act ( Section 623-b ).
Consumer complaint received 2022-07-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2018-08-25
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: EQUIFAX, INC. (GA)

After sending information to verify myself with my disputes XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. 

ACCOUNTS XXXX XXXXXXXX never late XXXX XXXXXXXX XXXX never late XXXX XXXXXXXX never late/paid in full XXXX XXXX XXXXXXXX not mine XXXX XXXX never late XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XXXX {$370.00} not mine XXXXXXXX XXXX  XXXX XXXX not mine
Consumer complaint received 2018-08-25
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. (NC)

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.
Consumer complaint received 2018-08-25
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. (CA)

Experian REMOVED a POSITIVE item from my credit report ( PROOF OF HAVING PAID OFF MY U.S. DEPT.  OF EDUCATION STUDENT LOAN IN XX/XX/XXXX! ). They REFUSE to put that POSITIVE REPORT back on my Experian report, in spite of the fact that : a. ) it is NOT an adverse item, b. ) it is supposed to remain for TEN YEARS, and c. ) I did NOT ask for the item to be removed. This is an item that MAY INCREASE MY CREDIT SCORE!
Consumer complaint received 2018-08-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

We have tried to contact this company 40 times. The escrow company and selling agents plus buyers agents have tried contacting this company no answer all we need is a lien release document to close on our home the bank is Caliber Home Loans the property address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Registered owner : XXXX XXXX XXXX Original paid loan was from XXXX XXXX
Consumer complaint received 2022-07-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2020-02-03
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: Experian Information Solutions Inc. (TX)

I would like to file a formal complaint against Experian as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that The Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Experian credit report on accounts that report closed, XXXX balance, unknown account status, or hasn't updated in over a year. Experian inserted in the comments Account in dispute-reported by subscriber. Account information disputed by consumer under the Fair Credit Reporting Act. I contacted XXXX XXXX and XXXX XXXX XXXX and I explained that it will affect me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

Actions Taken : I contacted Experian on XXXX XXXX, 2020 and asked them to remove the note that it's in dispute. I told Experian that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Experian themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.