davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 

The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX A XXXX XXXX Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX Charge Off AccounXXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 

Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 

I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (MI)

on XX/XX/2022 while at work I received a text message alert from Huntington Bank that a withdrawal from a non Huntington Bank was made in the amount of {$200.00} Which i did not authorize. I immediately checked my wallet and noticed that my Huntington ATM Card was gone. I quickly contacted Huntington Bank and made Them aware of the problem. upon making them aware of the problem there were several other unauthorized purchases which I also made aware to Huntington Bank. Huntington Bank said they would investigate the matter and contact me when they were finished. I never heard from Huntington Bank. Instead I received a letter from the bank claiming that they found the atm withdrawal to be authorized because the right pin to the account was used which is obscene because anybody could have watched me use the atm and then stole my card or anything of that matter its not hard for crooks and criminals to get a pin number. Huntington Bank has not provided me with no evidence of any kind especially that shows those transactions were authorized by me.on XXXX XXXX XXXX Huntington Bank have charged my bank checking account with all of the fraudulent charges, withdrawals and overdraft fees. someone stole my banking information and used it and Huntington Bank wants to make me pay for it.
Consumer complaint received 2018-07-02
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: I.C. System, Inc. (TX)

I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.
Consumer complaint received 2018-07-02
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. (GA)

When submitting a dispute the company is not providing physical information that will let me know they are getting the correct information to post on my report
Consumer complaint received 2022-02-26
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: ENCORE CAPITAL GROUP INC. (MD)

This account was paid in full years ago but they are reporting to the credit bureaus that my account is in collections. This has taken my score down XXXX points. I need this resolved asap
Consumer complaint received 2022-02-26
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: U.S. BANCORP (MO)

I ordered a part from XXXX XXXX  being XXXX heating element for {$58.00}, but I tried to cancel it the same day I ordered it. The item was then refused on XX/XX/XXXX because the package appeared damaged, and I never opened it. It was returned to the seller on XX/XX/XXXX, but I never received a refund so I filed a dispute with XXXX credit card. XXXX proves it by the tracking number. After sending all the information about it to the credit card Cardmember service they sent me their standardized XXXX form which I returned back to them. I then received notice that my dispute was denied. After many phone calls to the dispute department telling me the issue was resolved because they wanted the date, I cancelled the order which I provided. I faxed them a copy of my email to XXXX XXXX on XX/XX/XXXX. Next, I received another letter from them again telling me they want proof I cancelled the order. This is some type of violation of the law since XXXX told me one does not even have to give a reason to cancel a shipment. I then faxed them a copy of the email I sent to XXXX XXXX on my invoice stating I wanted to cancel this order on XX/XX/XXXX. I then received another notice saying that since I did not provide them proof, I will be charged again. I then sent a fax again with the information not knowing what they wanted on XX/XX/XXXX. I then received another letter telling me that the email to XXXX XXXX is not proof? They also XXXX and libeled me saying they are going send my information to the credit reporting agencies if I do not pay my bill? I have an excellent credit history which makes no sense. At this point I needed outside help to resolve this issue with the credit card company being in error about this dispute. The item was returned to the business, not returned back to me, and they did not credit me back. I am due a credit since the company can not have both the part back and my money.
Consumer complaint received 2022-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

XXXX loans transferred were the first loans to transfer to Fed Loan Servicing as I'm pursuing Public Service Loan Forgiveness ( PSLF ). Payment was set at {$41.00} on XX/XX/XXXX under the IBR plan. I was then notified on XX/XX/XXXX that my payment was recalculated at {$80.00} under the REPAYE plan. The TEPSLF was announced in XX/XX/XXXX. I consolidated my Navient loans, which were transferred to Fed Loan Servicing. On XX/XX/XXXX, I received notification I had 2 new payments that had been calculated. One payment was calculated under the ICR plan at {$170.00} and the other payment had been calculated under the REPAYE plan at {$160.00}. I've been paying XXXX and Navient every month, without fail, for the past seven years and my payments have always been affordable ; I've never struggled to make meet my student loan obligations or other financial responsibilities. My prior payments were set at {$39.00} and {$28.00} respectively. I've tried, exhaustively, to discuss this matter with representatives of Fed Loan Servicing to no avail. My income has not increased since the initial payment notification dated XX/XX/XXXX. In fact, my tax return indicated that my income actually decreased from last year. No representative can intelligently explain why there are 2 payments when they are a singular servicer, other than to state there are Parent Plus loans, which were consolidated into a loan and no longer stand on their own. Additionally, the representatives I've spoken to insist that the loan that includes the Parent Plus loans is not eligible for an income based repayment plan, contradictory to what is indicated on the Department of Education 's website regarding the Temporary Extended Public Service Loan Forgiveness waiver. Efforts to reach someone at the Department of Education have met with negative results as well. I continue to be given phone number after number only to be told I've reached the wrong department. I've filled out numerous applications for payments plans, been denied, told I've filled them out incorrectly, had them deleted, and have no idea where to turn for assistance. I am petrified of losing everything I have worked so hard to achieve simply due to a change of loan servicers. Any assistance is greatly appreciated.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WV)

Jefferson Capital Systems placed a collections record on my credit with all three bureaus. This collections was a purchased collection that was out of statute of limitations and is a debt too old to be reopened on my credit. This collections started as an account that was opened with them in XXXX of XXXX. No account was opened or agreed to with this company at that time or anytime in the past. I am no longer legally responsible for this debt and their attempt to park debt on my credit report after the statute of limitations is against the Fair Credit Reporting Act. I contacted Jefferson and spoke with a representative that assured me that the dispute would be complete and that the account would be deleted off my credit. The account was not deleted off of my credit and remains open until XXXX of XXXX.
Consumer complaint received 2018-07-02
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: CL Holdings LLC (TX)

I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I bought my prepaid XXXX  at the store and loaded XXXX dollars. I went to load it and it gave me the error message shown in the attachment. I called Netspend the automated system asked for the card number and social. When I put my social of course it said not found. When I bought the card social or name wasn't given. I spoke to thr 1st rep they rerouted me to the same automated system. They are refusing to activate this card yet they took my money and they wan na endlessly route me to the automated system.
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My mother deposited a check into my Bank of America account on XX/XX/XXXX. She was told by the rep at the bank that the funds would be available on Tuesday, XX/XX/XXXX after XXXX. That made sense and it helped me plan on how to pay bills. Later in the evening on XX/XX/XXXX, I get an email from Bank of America stating my funds will be held until XX/XX/XXXX, which is XXXX  days because they felt that the check would be returned. This makes no sense and they are abusing their power by refusing to give their clients the money they are owed. My mother is XXXX XXXX XXXX and has never bounced a check. I am telling you this in hopes of holding them accountable for their shady business practices and lies. They have NO RIGHT to hold my money for 11 days. If they done this to me, they have done it to others. My hope is the CFPB will take them to court
Consumer complaint received 2022-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (CA)

XXXX, XXXXBANK NEW YORK MELLON - DEPRIVE ARBITRATION RIGHTS OF DISPUTED DEBIT CARD CHARGE Bank New York MellonXXXX XXXX  XXXX have , wrongfully, deprived my rights to arbitration. I have tried to invoke my rights to arbitration to dispute a {$10000.00} charge for : *defective work ( libel/slander ), *billed charges for disputing libel/slander *work not requested, but charged - and XXXXwork requested, but not performed. 

There are countless Internet complaints against the law firm that made the charge - alleging similar, unscrupulous billing by this law firm. 

Bank New York Mellon stated in an email dated XX/XX/2022 : " Unfortunately, based on the merchants response we have no rights to continue and submit an Arbitration on your behalf. '' Bank New York MellonXXXX XXXX  XXXX have, wrongfully, deprived my rights to arbitration. 

I, certainly, question how many other consumers have been, wrongfully, deprived their arbitration rights by XXXX, Bank New York MellonXXXX ? 

I, respectfully, seek assistance from the Consumer Finance Protection Bureau to enforce my rights to arbitration regarding this $ 10,000+ matter. 

Thank you very much for your assistance.
Consumer complaint received 2022-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

I went to buy a car last year around XXXX of XXXX and they said my scores were XXXX low needed a co signer so I started checking my credit report. So I'm going to copy past into this. 
XXXX  XXXX  XXXX  # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : CHARGE ACCOUNT Date OpenedXXXX Responsibility : Individual Account Account Type : Revolving Account Balance : {$590.00} Date UpdatedXXXX Payment Received : {$0.00} Last Payment MadeXXXX High Balance : {$590.00} Credit Limit : {$300.00} Past Due : > $ XXXX< >Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX for $ XXXX< Pay Status : >Charged Off< Terms : Paid Monthly Date ClosedXXXX Remarks : UNPAID BALANCE CHARGED OFF Estimated month and year that this item will be removedXXXX I was incarcerated at this rime. 
I froze all my credit from XXXX XXXXXXXX sagestream core logic, ars etc
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CO)

I tried to dispute information with LexusNexis but they refuse to provide me my report or even allow me to dispute any information. I was denied my enrollment in CLEAR because they use LexusNexis and the info that was used to identify me was completely inaccurate.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a lease with Toyota financial services since XX/XX/XXXX. I have made every payment within 30 days. I paid my XX/XX/XXXX payment on XX/XX/XXXX, within 30 days. On XX/XX/XXXX Toyota financial reported my account as being over 30 days late. I contacted them and they said I have never been late and that they did not report me as late. But every credit reporting company is now saying it is over 30 days late. I have disputed with credit reporting agencies.
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

AWA COLLECTIONS # XXXXTo Whom It May Concern, The reason for my dispute is AWA COLLECTIONS was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also AWA COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AWA COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AWA COLLECTIONS is held liable as well for defamation and in the state of California indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AWA COLLECTIONS is in compliance with California LAW. AWA COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-07-02
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: MOHELA (NC)

I have contacted XXXX  several times because i noticed they are reporting Mohela accounts on my report that does not belong to me, When i tried to call i'm either left on hold, transferred, redirected and had to repeatedly call back hopefully to reach someone. 

My call is continued left bouncing around for hours. 

Finally after many attempts, i was told that those 4 Mohela accounts can not be dispute and they were validated. 

i did not sign or agree to any contract with Mohela, I did not Provide Mohela with my social security number, i did not provide Mohela with my private home address, i did not provide Mohela with my ID or phone number. I never provided any wet ink signature to Mohela These are the amounts. 

MOHELA {$7700.00} MOHELA {$3800.00} MOHELA {$8100.00} MOHELA {$4900.00}
Consumer complaint received 2016-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX. 

XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.
Consumer complaint received 2022-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft and I am requesting for Navy Federal Credit Union to remove and delete these fraudulent accounts from my XXXX and XXXX Credit files immediately I did not benefits from any goods or services of these fraudulent accounts. Someone opened up these fraudulent accounts in my name without my consent. 

Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I have attached a copy of my police report to this correspondence. 

Please delete and remove these fraudulent accounts from my XXXX and XXXX credit files immediately or legal actions will be taken against Navy Federal Credit Union : 1. NAVY FEDERAL CR UNION Account number : # XXXX Balance : {$1100.00} Date opened : XX/XX/2016 2. NAVY FEDERAL CR UNION Account number # : XXXX Date opened : XX/XX/2016 Balance : {$5200.00}
Consumer complaint received 2022-02-07
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. (GA)

I am a victim of identity theft and I did not benefits from any goods or services of this fraudulent account opened in my name without my permission. I am requesting for XXXX XXXX XXXX to remove and delete this fraudulent account from my Experian Credit report. 

I have never had any affiliations or accounts with XXXX XXXX XXXX. I have included a copy of my police report as well as the letter from XXXX XXXX XXXX for this fraudulent account to be removed and deleted from my Credit file. Why Does Experian still have this fraudulent account on my Credit report when XXXX XXXX XXXX instructed them to remove it? I am requesting for XXXX XXXX XXXX to send another request to Experian for this fraudulent account to be removed and deleted immediately. 

I talked to a Fraud Specialist at Experian who advise me to send a letter to XXXX to remove and delete this account. 

Please remove and delete this fraudulent account immediately from my Experian credit report : 1. Account name XXXX XXXX XXXX Account number : # XXXX Date opened : XX/XX/2019 Balance : {$8600.00}