davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-05
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. (CO)

I have sent a certified letter with return receipt to XXXX XXXX on XXXX with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX XXXX XXXX received the letter, and cashed the check on XXXX. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to Experian, XXXX & XXXX. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a XXXX XXXX, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Collection Bureau of America Ltd. (FL)

The creditor CBA COLLECTION BUREAU OF AMERICA is still showing OPEN on my XXXX   account, even though it was discharged in XXXX Bankruptcy. XXXX shows it as discharged in XXXX, but still OPEN, which is impossible. 

I have included XXXX credit report trade line showing correctly reported as CLOSED, as well as XXXX   report trade line shoing still OPEN. 

I have disputed this more than once through XXXX and the creditor, to no avail. My next step is to appeal to the UNITED STATES BANKRUPTCY COURT.
Consumer complaint received 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STATE FARM BANK, FSB (TX)

company not handling the card correctly for one they are not reporting to XXXX two closed my card b/c i file a dispute b/c i was being charged for something that i did not authorize which put me over the limit ...
Consumer complaint received 2019-09-28
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: WELLS FARGO & COMPANY (NY)

On XXXX XXXX XXXX unauthorized transactions was processed. Someone hacked into my account and made online cash advances were transferred from the credit card to the checking account and then purchases were made. Money was not to be found. Never once made any online cash advances before. These were unauthorized charges. I called several times and explained numerous times I was unaware of these charges. I am zero liable for these charges.
Consumer complaint received 2019-04-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report ). This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-09-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I am interested in participating in and potentially expanding the CFPBs lawsuit against Navient Servicing. For five years, I participated in a ISRP with Navient. During that period ( from XXXX ) I made all payments on time, and annually certified my income and status as an employee with the State of Maryland. Navient annually confirmed my employment and my income, and collected all payments. After paying for five years, I discovered that Navient was not a qualified service to participate in the PSLF program. When I switched my loans to XXXX, I was struck over the similarity of the application process. There was basically no difference, except for a one page form provided by XXXX that merely sought signatures and consent. I was then easily enrolled in PSLF, and am 24 months in. My concern is that Navient, for years, offered an enrollment process that resembled the application process for the PSLF and in doing so, mislead me, and probably multiple customers/students to enroll and make multiple payments with Navient all while believing that they were paying towards the PSLF when in fact, no such credit was accruing. I believe Navients enrollment process was intentionally misleading, where they were aware of the PSLF and knew of my eligibility through the information they collected, but omitted providing any information to let me know that my payments were not building up PSLF credit. This process is designed to confuse customers. The only reason I figured out what they were doing is that I changed jobs within XXXX XXXX and wanted to confirm that they were aware of my new job and contact information. I learned soon thereafter that I had accrued XXXX credits in the PSLF and, was beginning at month one.
Consumer complaint received 2019-09-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (AZ)

I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions. 

I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.
Consumer complaint received 2019-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY (SC)

My brother XXXX called in to XXXX to discuss my account, he spoke with a XXXX whom did not properly authorize the account, provided my brother with my account balance, next payment due date and the apr of my credit card account.
Consumer complaint received 2019-09-29
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: CITIBANK, N.A. (NJ)

For maybe a decade I've been billed for fraudulent charges and the company has only and always given me the complete run around and always refuses to remove the fraudulent charges, despite all of the " declaration of fraudulent charges '' forms I've filed out and sent back to Citibank N.A. I've called over a dozen times and have always been directed to their " international call center 's '' and have never been given any consideration, what-so-ever, to the fact that this has been on going for a decade!! They never follow-up! they never dispute the charges! I'm certain I've paid triple with the interest and interest rate hikes I've paid over the years because of this. My credit is perfect and I wonder if it in fact wouldn't be better without the company keeping the charges on my monthly credit bureau reporting without at least removing it as part of the dispute process??!!
Consumer complaint received 2018-04-08
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. (LA)

The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) XXXX creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX   XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Consumer complaint received 2019-05-06
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX   XXXX XXXX, IA XXXX Complaint Against : BANK OF AMERICA N.A , Servicing Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX Reference Account : XXXX XXXX Account # XXXX XXXXXXXX XXXX MIN # XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX NOTICE TO RELEASE ACCOUNT INFORMATION Under Fair Debt Collection Practices Act, you hereby ordered to release the account followings account # XXXX information, under your servicing : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XXXX to XXXX, during your servicing. 

2. Copy of the written authorization by note holder to start foreclosures XXXX and XXXX. 

I will appreciate your cooperation in this matter. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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. (CA)

Equifax made a mistake I applied for an XXXX credit card by XXXX XXXX  it was declined it said I had no other credit cards a low credit score etc. in fact I have many credit cards zero balance my credit score is XXXX & my mortgage paid not reflecting when I called Equifax they said they accidentally spelled my first name wrong instead of XXXX they spelled it XXXX I am not sure why they didnt go by my Social Security card they sent XXXX XXXX XXXX XXXX  the other persons information They refuse to correct their mistake and send XXXX  XXXX XXXX  an update they told me they fixed it however XXXX will not allow me to reapply for 30 days and there will be XXXX inquiries not good.
Consumer complaint received 2018-04-02
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. (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the XXXX XXXXXXXX XXXX. I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

15 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TX)

In XX/XX/XXXX, I was contacted by FRANKLIN COLLECTION/XXXX  XXXX, that I owed {$980.00} for not paying a phone bill and not returning XXXX XXXX XXXX equipment for account. I advised that was not possible, as that account was transferred to my ex-wife, XXXX XXXX XXXX, during our divorce in XX/XX/XXXX. They advised that the account was never closed and was being paid on up until XXXX  XXXX. I had discovered through this that my ex-wife was fraudulently using my old XXXX XXXX XXXX account following the divorce, which was not authorized by our divorce or me. My ex-wife is responsible for this debt and possesses the assets that need to go back to XXXX XXXX XXXX.
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I was shopping for a XXXX during XXXX 2018 and went to XXXX XXXX to see pricing they ran my credit and I decide not to accept their offer. I left their store and almost 6-8 months later and have a collection on my credit. Never accepted. It looks like XXXX XXXX used my information. I went to the store in XXXX Ca.
Consumer complaint received 2019-04-02
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. (AL)

My information was used to create accounts or obtain services that I never requested or recieved, these debts are medical in nature and are therefore violations of the HIPPA making me seem unhealthy or sickly unwarranted I decline the requests to do business with the collection companies on my credit reports at Experian, XXXX, XXXX XXXX and XXXX have them to delete these illegal accounts which are violations of the FCRA and FDCA.
Consumer complaint received 2019-09-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in  question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Consumer complaint received 2019-09-29
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)

On XX/XX/XXXX Experion lied about completing a dispute. 

EXPERION : has Been cleverly and Cunningly been cooking the Cradit books. To defraud minoritys from having a fair credit score. 

This is how the trick is carried out, the information about the report will be correct, However the activity portion of the credit file keeping track monthly payment, would be doctored negatively to manipulate the algorithm into reducing the credit score. or slow the growth of ones Cradit. For example. 

XXXX : open on XX/XX/XXXX closed XX/XX/XXXX in good standing = ( correct information ) EXPERION shows that this auto loan was opened XX/XX/XXXX and there was no payment until XXXXXXXX.= ( False information ) 22 months of no payment or no data of payment and 2 months on record of payment.= ( misleading the algorithm ). 

After Requesting a dispute to fix the error. experion doctors the monthly activity to reflect the same thing 22 months of no payment and two months of payment But now shows activity started XXXX and XX/XX/XXXX and XX/XX/XXXX the months I paid. ( A total fabrication ) XXXX XXXX  sent a U.A.D. for EXPERION to correct the improper information. And EXPERION defiantly staled by telling the Source of the information that they XXXX XXXX are the ones that told experion the incorrect information instead of fixing it. 

See thats what they are used to tell the people who called them that its the banks that are sending them false information. Now that we can ask the banks to look into the matter they are getting caught Not knowing what to say. 

XXXX : Open on XX/XX/XXXX current ( correct information ). 
EXPERION shows open XX/XX/XXXX and there was no payment until XX/XX/XXXX. ( incorrect information ).
Consumer complaint received 2019-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OH)

I received a letter from I.C. System, Inc. in which the letter mentioned is a debt collection agency that XXXX hired. I have never had any sort of cellular service with XXXX in my name. This letter was addressed in my name and came to my address as imprinted on the letter. I believe this company may have potentially mishandled data and is trying to accuse me of a debt in which is not valid.