davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX AND  XX/XX/2018 - 30 DAYS LATE ... .. 

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 2018-05-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (MD)

I opened a savings account with M & T Bank here in XXXX and was not told that a service fee of {$15.00} a month would be bank taken out of my account if I didn't keep a minimum of {$2500.00} in my account. I hadn't touched my savings account since XX/XX/2017 and until now this bank has been charging my account up to {$500.00}. so far. I hadn't noticed on my statements until now of such a fee for having my money in a savings account for safe keeping. I called the bank to ask to them to put my money back but they sais they would give me {$60.00} of it because it wasn't the banks fault or error. I said it is the banks error because I wasn't told such rule. I said if I knew of this I would have either kept {$2500.00} in my account or I would had closed out the account all together.
Consumer complaint received 2022-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with The Fair Credit Act. Everything has to be 100 % accurate on my credit report. 
XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Conn's, Inc. (TX)

I made a purchase here in XX/XX/2019. Upon signing the paperwork, I was told I would receive payment coupons. I've called 5 times, it's the end of XXXX ( 5 months later ) and I still haven't received the payment coupons. Everyone I talk to claim there was a problem with my address, they didn't know which one to use, an employee didn't make it completed in the system. It's been one excuse after another. They managed to find my address just find to add the balance and show payments on my credit report. They managed to find the address correctly to send me mailers and letters in the mail to utilize the rest of the unused credit on the card, yet I can't get my payment coupons in the mail! 

I would like to receive monthly statements or the payment coupons they promised me.
Consumer complaint received 2019-07-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS 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 2021-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My Loan Servicer ECSI- Heartland has a terrible repayment system setup. Issues include 1. Not being able to make a payment of more than XXXX at once. 
2. Not being able to set up a future payment 3. Not telling you your full payoff amount when you got make a payment Essentially they have erected barriers to paying off your loan in full at once so they can continue to charge usurious interest rates in the modern economy.
Consumer complaint received 2021-05-10
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. (TX)

I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX XXXX and experian and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (MD)

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Consumer complaint received 2021-07-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF THE WEST (NM)

I had an unbelievably horrific experience with the Bank of the West ( BOW ). I logged several complaints that referenced the errors in opening the account and subsequent errors by BOW employees. ( BOW response Dated XX/XX/ is attached ) The account was held open for the required period of time to charge off the account. Allowing the BOW to collect insurance and sell the account to collections. 

BOW has listed several complaints filed and has treated every complaint without variation. However, the subsequent complaints are about the errors in the XXXX XXXX response to claim/complaint filed before the closing of the account. 

The Bank has closed all complaints without investigation into the errors reported in the BOW letter dated XXXX XXXX. The last complaint I filed was to have XXXX Credit Reporting agency add my personal statement as I had written my own personal statement. 
Submitted to the CFPB on XXXX # XXXX The Bank response summarizing what the BOW feels is my complaint with no acknowledgement of the request to review its own letter of XX/XX/ and the visible errors admitted and subsequent accounting errors after the admission. 

I continually state there were deposit and automatic withdraw errors on the account. The XXXX XXXX admits one deposit error. However, the rest of the XX/XX/, letter does not account for the admitted BOW system error. I was harmed by the BOW computer system error as evidenced in the accounting of the letter of XXXX XXXX 








The last BOW response included this statement : For questions regarding account activity from XXXX and prior, please contact XXXX XXXX, Retail Customer Services Officer/Vice President at ( XXXX ) XXXX. 

SO, The Bank of the West should have directed XXXX XXXX to respond to the complaint ( s ). My complaint stands. I do not owe the BOW or the XXXX XXXX XXXX. I requested the account be closed in XXXX XXXX The account was not negative with the deposit in XX/XX/. The BOW did not close the account upon consumer request. The account remained open collecting fees not closed until 3 months after requested closure by the consumer. BOW disregarded an open dispute on the account and refused to investigate the damaged caused by system errors.
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

Hello, I fell victim to identity theft due to the 2017 XXXX  breach that took place. I have spent a lot of time-fighting various claims. This has taken an emotional, mental, and financial toll on me. Time is precious and this is something that is frustrating. There is a delinquency on my credit report for XXXX for an account that was falsely created under my name. I have had to open a XXXX  account to keep others from using my personal information XXXX per month. I had to get the record of my credit card statement at {$5.00} per statement for the past 9 months. I've had to spend countless hours during the year of 2020 with XXXX and XXXX XXXX to stop purchases that were made on my credit card fraudulently.
Consumer complaint received 2019-05-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent us a letter saying we could refinance for 5.0 %. When we started the process they said it was 5.09 %. The main issue we are having is the appraisal process. The appraisal result came back and it was 10 % less than last year when we did this. The homes they used were not the same as ours. Two of the three home were in our neighborhood but were smaller. One of those homes actually sold for more than they appraised our home. It seems they went out of their way to lowball our home. I checked three sites and all of them said homes prices have gone up in our area 4-7 % -not down 10 %. When I tried to talk to them they tried not to answer my questions. I asked for a refund on my appraisal and credit score ( which they should not have done until after we agreed on the appraisal ) and have had no response.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (TX)

I am filing this case because LCI Consumer Center responded to my complaint stating that they are not the appropriate company to address my issue. That is untrue. LCI Consumer Center sent me a letter which I have attached stating that they act as a furnisher and provide bankruptcy information to XXXX. Please see attached 1st and 3rd page. 

LCI Consumer Center also stated that I should contact the US Bankruptcy court where it was filed. I did contact them and they stated that the credit bureaus obtained this information independently and that the US Bankruptcy Court does not report information to or remove information from the credit bureaus. Please see the 2nd page. 

LCI Consumer Center has falsified their verification method and submitted it to XXXX which is now on my credit report and have yet to remove it.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TX)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Robinhood account to these fraudulent investment companies.
Consumer complaint received 2021-07-23
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. (MN)

This account isn't mines and I did not authorize these inquires. I wish for them to be removed and blocked from my credit report immediately because they are hurting my character. I have worked hard to build my credit and I would like for the consumer reporting agencies to do their job and not furnish deceptive information to my credit reports. I am working on building a non-profit community for battered women and this is holding me back. Please help me, as a consumer, I'm begging someone to hold these companies accountable for violating my consumer rights with inaccurate information, abusing my privacy, allowing my character to be hurt without my consent.
Consumer complaint received 2023-03-31
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. (TX)

To whom it may concern, The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Consumer complaint received 2023-01-12
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)

Do to my understanding someone have assent to my personal information due incorrect social security names appears on my credit report if an address I have no knowledge of an account I have no knowledge of if they names doesn't match my government issue identity card birthday it's identity theft I requested I a full investigation an everything should be removed off my credit report due to identity theft full disclosure everything should match if my names doesn't match I requested everything be removed
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MN)

My loans were recently transferred from XXXX to Aidvantage. XXXX had been sending a monthly account statement for my account. Aidvantage did not send the following monthly account statement ( XX/XX/XXXX ) as scheduled once they took over as servicer, so I contacted them. 

They insisted the monthly statement had been sent to my inbox as scheduled. When I confirmed it had not, with a screenshot as proof, they offered to send one by mail, but insisted that monthly statements are sent automatically and that I should receive the next one ( XX/XX/XXXX ) in my inbox as scheduled. 

I asked for an explanation or investigation as to how the previous statement was missed, so I don't continue to miss statements and have to retroactively request them each month. Initially, the aidvantage rep simply stated " ... there seems no reason why the XXXX statement will not be sent as scheduled. '' I had to clarify that Reg Z requires that periodic statements be sent before the rep conceded that they would " submit a request to our IT dept to research this matter '' and disconnected me from the chat without providing any information as to how I would be informed of the findings of their " IT '' investigation.
Consumer complaint received 2022-12-02
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: EQUIFAX, 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. 
XXXX  account number XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  account number 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 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a fraud active alert on my consumer report from transunion. I never gave consent or asked for this fraud alert on my consumer report. I want them to immediately remove all fraud alerts from my consumer report.
Consumer complaint received 2023-04-01
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. (VA)

Credit inquiry was made fraudulent under my name. XXXX accepted the fraud dispute and delete the negative inquiry on my consumer report from all 3 credit report agencies ( Experian, XXXX, XXXX ) Experian still has not deletion up request.
Consumer complaint received 2023-03-31
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. (CA)

Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX Mortgage for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score Experian keeps showing..
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (SC)

I asked the company to give me a payoff quote ( without interest ). I was told that I am not paying interest. Also, there is no grace period on the payment due which automatically charges a late fee of {$40.00}. I asked to change the due date and was told that I would have to process an ACH on the due date ( which could cause me an NSF Fee ) in order to change my due date. They have received 6 late fees total plus interest. The rep says that a machine answers the phone and it is possible that i won't speak with a representative and will be on hold or hung up on. Or I will get put back into the que.
Consumer complaint received 2021-07-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (CO)

I have sent Santander Consumer USA an Affidavit of Truth/facts regarding XXXX  // XXXX // XXXX // VIN XXXX // Account Number : XXXX. 
Also I have sent Santander Consumer a NOTICE TO CEASE AND DESIST. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.