davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
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. (TX)

I am on an income-based repayment program through Navient with an annual payment of approximately {$560.00} per month. I have five loans at varying rates ( 2 at 6.5 %, 1 at 7.5 % and 2 at 2.25 % ). First, Navient has set up payment on these loans in a manner that I am paying the principal on the two loans with the lowest rates while the remaining loans are being paid at just below the monthly interest that accrues. Not only is this extending my loans payment period overall, but Navient is taking advantage of this scheme to charge additional interest. 
Second, on occasion, payments are not submitted to each loan as my payment plan details. Instead, it is applied to one loan while the others do not even receive the money necessary to cover the interest accrued over that same period. This additional interested is then added to my balance as capitalized interest on my entire loan.
Consumer complaint received 2020-02-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

I had a Macy 's credit card and I had a balance that I had to pay off in order for them to remove me from collection, so I paid them the whole amount in XX/XX/XXXX and Macy 's is still reporting my account as " negative '' to the credit score agencies and it is showing as " negative '' on my credit report. The last day this was reported was XX/XX/XXXX as " collection/chargeoff ''. This negative account is affecting and lowering my credit score, and I have attempted to get them remove it but they have not yet. 

The Lender information is : XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have contacted BOA on numerous occasions, by phone, email, and mail. I have also created numerous disputes online. My BOA account was sold to XXXX XXXX  XXXX in XXXX, my BOA account is still currently reporting to the credit bureaus incorrect information. In XX/XX/XXXX BOA showed a 30 day late, this account was not serviced by BOA in 2 years and the account hasn't been late in over a year. How BOA is showing a late is unknown. Also XXXX XXXX has since gone through and included all reporting of the mortgage since I originally  obtained the loan in XXXX. So I now have lates showing up on my credit from BOA in XX/XX/XXXX which isn't correct ( wasn't late ) but also have double reporting of negative lates in XX/XX/XXXX-XX/XX/XXXX. 

I have spent countless hours on the phone trying to resolve this issue, XXXX went through the account and provided an accurate report of lates as they are now servicing the account.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I had know ideal I had this account with XXXX XXXX  Whom the sellers are XXXX Bank. Until I seen it on my credit and a notice of payment. I then contacted XXXX Bank XXXX Bank informed me they had turned it over to Portfolio Recovery I need to get in contact with Portfolio Recovery Associates I didn't get a good response. I then hired an Attorney made a police report put a freeze on my credit a fraud alert. The Attorney worked very with them conference calls, Documents. A signed affidavit. and more. Portfolio Recovery sent me some documents showing what was purchase. I explained to Portfolio Recovery, We had rented out rooms to some boarders but I had never seen any of that merchandise. Whoever the person was made payments on the items, I had know ideal what was going on At the time all this was happening I was taking care of my ill husband who died at home. I had know time to do any of these thing. also XXXX ware coming and going, They even told me I need a break but I never left my husband side. Everything he need was being delivered by different drivers. I took very good care of him, until he pasted on. I then stopped allowing boarders to live in our home. I had know time I mean Know time to think about shopping a XXXX XXXX, Portfolio Recover Associates stop pursuing payment but will not release it off my credit.
Consumer complaint received 2021-11-17
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. (FL)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous account reporting on my Credit Report and need to update from reporting. 
Late Close : XXXX XXXX-Balance {$130.00}
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

I tried to log into my Experian account and it no longer exists. Then I called MULTIPLE PHONE NUMBERS for Experian and I could NEVER get a live person to talk to. In addition to this, It would supposedly let you freeze your account over the phone and UNFREEZE your account over the phone ... however, that is INACCURATE. It will not let you do that. They are horrible and should be put out of business or held accountable for the mismanagement of the company.
Consumer complaint received 2020-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I have tried for several years to correct my issues with the three agencys as well as the debt collectors once I found out they were on my credit report, they are all from : Bull City financial solution : ( 1 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX ( 2 ) XXXX XXXX amount is {$160.00} XX/XX/XXXX When I spoke to there billing department they stated that it was a automated duplicate bill due to them changing there billing soft ware. However they would correct the problem but the collections agency left it on my credit report. 
( 3 ) XXXX XXXX amount {$150.00} XX/XX/XXXX ( 4 ) XXXX XXXX amount {$150.00} XX/XX/XXXX Again its the same problem, the billing department states one thing and the collections agency and credit departments still turned in on my credit report.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

I have had my home depot card for almost 8 years. My limit was XXXX. They decrease my limit to {$500.00} and placed a late payment on my credit report. I have never been late on my Bill 's with them. They wont delete it. And it has ruined my score tremendously. Almost 100pts. 
They dont want to help and I am about to purchase a home
Consumer complaint received 2017-06-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Delbert Services (FL)

My wife received a call today on her mobile phone ( XXXX ) today, XX/XX/XXXX at approximately XXXX XXXX EST from a company identifying themselves as XXXX, a " fraud arbitration '' firm operating supposedly out of XXXX PA. I tried to look them up online and found no information to verify. The person asked for me, XXXX XXXX. The caller who would not identify herself stated she was investigating a fraud complaint from a company called XXXX XXXX XXXX / XXXX XXXX related to a financial transaction in XX/XX/XXXX. She rattled off some of my former addresses from 12-15 years ago in Florida. When I told her I had no recollection of what she was referring to and asked her what amount she is claiming I owe she stated she was referring the matter to the XXXX County Court in FL for fraud charges and hung up. When I called the number back that showed up on caller ID ( XXXX ) the same lady answered the phone ( who had originally contacted me ) and claimed she " assumed we were finished ''. She asked for my current address which I did provide since I figured this was public information anyway. She said her office would be sending me a certified letter and stated I had 30 days to take action or I would be brought up on fraud charges and arrested. <P/>Prior to contacting the Florida AG office, I did some research and found out that Florida as well as many other states as well as the Federal Government ( Consumer Financial Protection Bureau ) had filed class action lawsuits and/or had taken other legal action against XXXX XXXX XXXX / XXXX XXXX ( the company the lady at XXXX claimed to be representing ) dating back to XX/XX/XXXX. My wife and I recently purchased a house in XXXX XXXX, FL in XX/XX/XXXX. Nothing showed up on my credit report for XXXX XXXX / XXXX XXXX and still does not. I am concerned I am getting scammed.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I recently pulled my credit report for the week as I do weekly due to me being a victim of identity theft. I noticed that a CHARGED-OFF account from XXXX was re-aged across all 3 credit report agencies. This account was first reported delinquent on my credit report on XX/XX/XXXX. As of today, showing across all 3 credit reporting agencies the account has been re-aged showing a " Date Reported '' XX/XX/XXXX. I also received several alerts and emails on my credit monitoring services stating that a " new '' account was reported delinquent. 

Since this false and illegal reporting it has dropped my score over 50 points, and has halted me from continuing to purchase my first home. This account has already been disputed by all 3 credit bureaus back in XX/XX/XXXX, with no results after the 45 day investigation. 

The account is a XXXX account ( XXXX ) in the amount of {$3800.00} and once again the original delinquent reported date was XX/XX/XXXX. This is violation of FCRA Section 623 ( 5 ) ( A ). 

I need this account removed immediately from all 3 of my credit reports. I've attached several other CFPB complaints pertaining to this company and their illegal practices in debt reporting.
Consumer complaint received 2021-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding, I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. 

I also filed an Ftc Identity Theft Report To Have To Them Blocked & Removed. 

This report has been sent to TransUnion over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of TransUnion accepted my dispute package and signed on XXXX The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I submitted complaint ID XXXX because my mortgage was not being reflected on my credit report. The mortgagor stated that they submitted the correct information to the three credit bureaus. To date, the three credit bureaus are not reflecting my mortgage account. The mortgage account with the previous bank, XXXX XXXX XXXX is not reflected on my credit report, neither is any information from the new mortgage company. 

Additionally, when the account was transferred in XX/XX/XXXX, the credit bureaus closed the mortgage account and dropped my XXXX XXXX 114 points. The old account does not show as a closed account. They are not reflecting the new mortgage. Also, my XXXX XXXX credit card was upgraded to an XXXX XXXX card in XX/XX/XXXX. Instead of transferring the balance, the credit bureaus closed the XXXX XXXX account, dropped my score 41 points and then added the XXXX account. 

In my opinion, the credit bureaus are inaccurately reporting data and manipulating credit scores to sell credit cards, loans, etc.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

We refinanced our primary mortgage with XXXX XXXX in XXXX, received a cash out and paid off our existing second mortgage with XXXX XXXX XXXX. We now only have one mortgage account with XXXX XXXX. All the financial information for the transaction was sent the XXXX, XXXX and Trans Union. During my recent XXXX annual credit report check, I found that everything at XXXX  and XXXX  was exactly correct. Trans Union still listed the closed second mortgage account at XXXX XXXX XXXX as open. When I called Trans Union about the error, I was told that they only report the information that they receive from the financial institutions. Considering that all three credit reporting agencies received the same information, Trans Union has no excuse to report the information incorrectly. This is not the first time that I have had trouble with incorrect credit report data from Trans Union and a difficult time getting it fixed. 
Any help would be appreciated. Thank you
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

In XX/XX/19 i called a bank and asked i wanted to close out with them and wanted to payoff credit so im not going to be charged. Cause i had my reasons. I was not going to be on my email, cause i changed it and i was not leaving on same address. I was not going to get any information from them. 
Bank was very nice about it and asked me if there is something they could do so i was not going to close account with them. They offered That i was not going to have any interest with them to pay cause i am such a nice costumer. If i would choose to stay. Never had any late fees and always paying on time. But i still decided to close account. Payed off amount of {$1200.00} that they told me and everything was over. 

After 2 month i was getting on my credit reports late fees from somewhere i couldn't understand. I called all bank companies and was asking what was happening. I called credit reporters and they told me it was discovery. 

I called discovery and lady told me everything was good. But still i went to check my old email. Which was hard to get and I found interest charges of {$22.00}. I was so upset. I called a company again and was asking reasons. They conected me to person who supposed to take care of that part but i was rejected. Person seemed like giving me such a good attitude when i was closing my account. And now i have to live with low credit score cause they didn't do job properly and ruined my credit score which was always perfect. Never ever i got any late fees in my credit history until that mistake of person who supposed to close account and now i have 3 late fees out of nowhere.

Hope this message will help Ask me any more information i need to send.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have sent numerous disputes to experian in an effort to get a false account removed which was a result of identity theft. 


FTC identity theft report number : XXXX I have sent them at least 4 separate disputes all with a federal trade commission identity theft report number on the upper right hand corner. 

All of which Where notarized and sent via certified mail with attached utility bills, proof of identity and my social security card. 

XXXX  and XXXX  have both followed Fair debt collection practices and have taken proper legal measures in the deletion & removal of this false account which has negatively impacted my ability to obtain Any kind of credit for my family and I. 

This is my 5th attempt to remove this false account, if this account is not verified with an original consumer signed contract or removed, I will take measures to proceed with legal action against Experian in accordance with section 609 of the Fair credit reporting act. 

Experian has not attempted to verify this account with an original singed consumer contract and my precise requests have gone ignored. 

Please follow suit and remove this account and hard inquiry that comes with it immediately. I urge you to follow suit please. 

I have commenced an additional Federal Trade commission identity theft report. 


Account name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX | Unverified Account FTC identity theft report number : XXXX
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (CA)

On Thursday XX/XX/2020, American Express approved me for a new credit card. Application ref XXXX With an annual fee of {$99.00}. When I applied for a credit card with NO annual fee they declined me. Application ref XXXX on XX/XX/2020. American Express only approves me for cards with annual fees, and declines me for cards with NO annual fees. This is not fair. American Express needs to give me a valid reason for this. Instead the American Express rep says its just luck of the draw.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

XXXX XXXX BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX  A XXXX  BALANCE ACCOUNT : XX/XX/XXXX XXXX XXXX STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX XXXX BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX XXXX   BALANCE INQUIRY AT XXXX XXXX BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM XXXX XXXX THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. XXXX   REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 XXXX LETTERS REGARDING XXXX XXXX XXXX  REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR XXXX   WHO HAS A BUSINESS RELATIONSHIP WITH EWS   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

XXXX TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO EWS AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? EWS IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

XXXX STATES IN YOUR LETTERS WE ASKED EWS TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT EARLY WARNING SERVICES TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING XXXX  STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE EARLY WARNING SERVICES ( EWS ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX XXXX  LETTER XX/XX/XXXX XXXX   LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX   LETTER