davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (FL)

SELF :. XXXX XXXX XXXX COMPANY :. XXXX, ie, XXXX   XXXX XXXX :. XXXX XXXX COMPLAINT : XXXX Please contact XXXX/XXXX XXXX and XXXX XXXX regarding an account that has been closed since XX/XX/2019. 
Let them know that they are ILLEGALY reporting me to the credit bureau and PURPOSELY lowering my score in order to block me from obtaining any lines of credit. I CLOSED THESE ACCOUNTS due to an illness, unabling me to work and pay my bills. Several letters were faxed to these Companies from my Doctor 's Office explaining that my condition is permanent. I am going to be in a financial handicap, and can not afford any payments on these accounts. The COMPANIES EACH RECEIVED THE Doctor letters and REFUSE TO CLOSE THE ACCOUNTS AND STOP COLLECTION EFFORTS. Lowering my credit score is a illegal practice and I need you to investigate and put a CEASE TO these practices. Thanks. 
TLM
Consumer complaint received 2022-09-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.
Consumer complaint received 2019-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

In XX/XX/XXXX Loancare bought our mortgage which was 1 month after we closed on our original mortgage. In XX/XX/XXXX we recieved an Escrow refund after property taxes and homeowners insurance were paid. This refund was more than {$2700.00} They kept our escrow account funded with more than {$1200.00} Our Homeowners Insurance and Property taxes are approximately {$1100.00} per year total. 
In XX/XX/XXXX I called Loancare customer service and asked for a new Escrow Analysis so that our monthly escrow payments would be corrected so we are not paying a gross overpayment every month in our mortgage payment. They asked me to mail them a copy of our homeowners Insurance bill and our property tax bill which we did. We did not recieve a reply at all. 
XX/XX/XXXX I called Loancare 's customer service department and asked if I could have a new Escrow Analysis and I was told I could. XX/XX/XXXX I recieved in the mail an analysis statement which shows a projected amount for property taxes as {$2900.00} and the actual amount paid is {$300.00} I am a XXXX XXXX XXXX  XXXX Veteran and XXXX   charges me minimal property taxes. 
Loancare is charging us {$310.00} per month to fund our escrow account which only needs about {$120.00} per month. 
I would like for Loancare to recalculate our escrow payment and adjust our mortgage payment accordingly. Why they feel the need to overcharge our escrow account when our property taxes and insurance costs are in black and white is beyond me. Don't they have competent accountants? I do not need Loancare as a savings account. 
If Loancare can not correct this I will file a complaint with the XXXX and XXXX  AG. 

Thank you.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Nelnet, Inc. (AL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch (GA)

XX/XX/23 - Crown Asset Management contacted my place of employment twice in one day at XXXX and XXXX from phone number XXXX I attempted to get information from them as to the reason for the call. The rep wouldn't provide information and proceeded to say she had to hang up the call. Why call if you can't provide information?
Consumer complaint received 2022-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I received an email from the Dept. of Education stating that the PSLF had been expanded and that I didnt need to do anything but that my payments toward forgiveness of my loans would increase by at least 33 payments according to their records. They suggested I send in a certification of employment to ensure all of my counts were updated. I submitted everything they requested. When I received my letter, it shows that my payment counts increased only by the employment verification that I submitted. My previous 33+ payments have never been updated.
Consumer complaint received 2023-01-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I disputed accuracy of information on my credit report regarding the XXXX XXXX XXXX   with experian. I had an old debt that I paid after the company charged the debt off and sold it to a debt buyer. 

Instead of correcting the data on my report experian updated it with more inaccurate information. 

The account should report. Paid. Instead they updated my account to current status charged off as of XXXX XXXX.the account has been paid now for years. Experian did not investigate or they would have seen the only collection agency on my report is from this account and it was paid with a XXXX dollar balance. Reporting multiple CO in my payment history is damaging my credit history and it is inaccurate. I want to sue.
Consumer complaint received 2019-04-07
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)

I had disputed a remark that was on my XXXX credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again XXXX  has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why XXXX put this remark back on my report. This is wrong information.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I have a Cabela 's Club credit card which I have had for approximately 15 years ( maybe longer -- I don't recall exactly ). Until recently, this credit card was a Visa card. I have never had a problem with Visa in all of those years. Note also that my credit rating was over 800 last time I checked. Anyway, Cabela ' recently changed the Cabela 's Club credit card to a Master Card serviced by Capital One. 

On XXXX ( or possibly a day later ), using the Capital One pre-printed supplied envelope, I sent in a payment of {$400.00} using a money order. 

Capital One claims they never received this payment. However, the money order was stolen, altered, and then cashed by someone else. I have a copy of the cashed money order sent to me by XXXX. It even still has the last 4 digits of my credit card number on it written over with a signature. The rest of the information on the money order looks to have been " whited out '' and written over. 

I find it hard to believe that a USPS postal worker randomly stole the envelope I sent through the USPS with this payment, opened it, took the money order, altered it, and cashed it. Note that I took the envelope to the post office to mail it. I did not send it from my home mailbox. 

I believe the payment arrived at the Capital One payment processing office, it was stolen by someone there, and then cashed.
Consumer complaint received 2019-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I am reaching out to you because I feel that I am at a lost in regards to fraud claims that I disputed and that XXXX fails to assist me towards a fair and positive resolution. 

I submitted a fraud claim within 30 days of the multiple fraudulent charges totaling {$2000.00}. XXXX decided to cancel my account and close the investigation and I am liable for the fraud charges. Their explanation was that the charges were not fraudulent, however they did not provide any supporting documentation nor proper investigation. XXXX based their resolution on the fact that I have been a victim of fraud charges on the past and they assumed that I was negligent with my credit card. 


I have appealed XXXX 's resolution and provided them with explanation and affidavits, however to this date XXXX has failed to provide me with a positive resolution. I have been a long time customer of XXXX and I have had an excellent payment history and I believe that not only this is an injustice but it is unfair and according to their consumer agreement I should not be liable for fraudulent charges. 


I really appreciate your assistance in finding a positive and fair resolution to my claim. For ease of reference, I have uploaded some of the last communication letters exchanged with XXXX in regards to the fraud claim. 

Regards, XXXX XXXX
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

OnXX/XX/2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NM)

Santander is reporting a debt on my credit file that I do not owe. They are reporting as a charged off collection. This debt is supposed to be paid the XXXX XXXX XXXX.
Consumer complaint received 2019-04-07
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I bought a MoneyGram money order for {$400.00} on XXXX to pay a credit card bill. I sent this to XXXX XXXX XXXX in their pre-printed envelope. However, after several weeks, XXXX XXXX claimed they did not receive it. ( I think they did but someone within their payment processing center stole it ). 

So I contacted MoneyGram for a cancellation of the original and a replacement. I agree to pay them {$18.00} for this service. At that time, they also asked to whom I had written out the money order to. I let them know it was XXXX XXXX. So they knew the payee. They also knew that I was the payer. On XX/XX/2019 they sent me an email telling me my case number was XXXX. On XX/XX/2019 they sent me another email telling me the money order remained uncashed. Then on XX/XX/2019 they sent another email telling me the money order was cashed and they would not send a replacement. 

The money order had been altered ( they sent me a copy of the cashed money order ). The original information had been " whited out '' and the money order was rewritten to a different payee and from a different payer. Also, on the very bottom, one can see numbers under the signature that whoever the fraudster was didn't even bother to white out. Those are the four numbers I wrote there which are the last four numbers of my credit card I put there for identification. Looking at the money order it is obvious information had been changed. ( Note : this is hard to see on the scan of the copy of the money order I have attached, but it is obvious on the copy MoneyGram sent me. ) So MoneyGram did not send a replacement money order or cancel the original after I requested such -- and agree to pay {$18.00} for -- even though they said they would as the original had not be cashed at that time. And by the time the original was cashed, they KNEW it was fraudulent because it had both a different payee and payer than they KNEW it should be. 

So instead of my credit card company receiving this payment, the fraudster received it. So I am out {$400.00}. 

I did everything right. MoneyGram did everything wrong. They should have sent the replacement as I asked them too. They should not have cashed the original money order knowing both the payee 's name and the payer 's name on the money order had been altered. And they knew that because they asked and I told them who the original was written out to -- XXXX XXXX -- and that I -- XXXX XXXX -- was the payer. And they knew that I was asking for a replacement because the intended recipient had not received the original I sent them ( or claimed they had not anyway ). And at that time the money order had not been cashed -- MoneyGram told me that. Yet, MoneyGram then accepted that altered money order knowing both the payee and the payer on the money order had been changed. 

Note it is impossible to contact Moneygram by telephone and talk to an actual person. I have tried. I go through multiple menus and end up nowhere. My contacts with them have been by email.
Consumer complaint received 2019-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I received a letter dated XX/XX/2019 from XXXX XXXX XXXX, stating my recent request for prequalification for a XXXX XXXX XXXX card. And I also said that they couldnt give me a line of credit due to the fact of No Credit Report Found. I  have NOT applied for any credit recently.
Consumer complaint received 2023-01-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2018-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC. (WI)

The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.
Consumer complaint received 2019-04-07
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: EQUIFAX, INC. (OH)

XXXX XXXX is an account that does not belong to me. I called XXXX  only to find out that the account that is being reported on my credit has a totally different address and that the account does not belong to me. There are hundreds of XXXX XXXX in the world. I also had a fraud on my credit some years ago. Not only is this account not mine but it is also showing on my credit report 2 times. Both accounts have the same open date but different dollar amounts but the same account. There definitely is a identity mixup. This issue is causing my credit score to plum drastically. The address that XXXX XXXX have belongs to someone else. Please do not send me a pre-made letter stating this account was verified without telling me who the credit bureaus physically talked to verify this account and I need a signed original contract with my signature on it. Remove these duplicate accounts immediately! I will be pursuing legal action if this is not resolved.
Consumer complaint received 2023-01-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a loan with XXXX  XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX  XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.
Consumer complaint received 2024-02-10
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # 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 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 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AFNI INC. (FL)

Dear Collection Agency Rep. 

THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. 

In Hinkle v. Midland Credit Management , IncXXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. 
Provide me with the following : A copy of the original contract you alleged I signed. 
An accounting of how payments were applied. 
The interest that was added along with any ancillary charges. Identify the original creditor. 
Prove the Statute of Limitations has not expired. 
Provide verification or copy of a judgement if there is one. 
Provide licensing information that allows you to collect in my state. 
Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. 
If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.