davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank has not updated my credit report since XX/XX/2022, over two months ago. I also have not received any of my rewards in two months either. I have since completely paid off this balance but since they're not reporting it I'm continuing to take a significant hit on my credit score. Ever since this bank 's supposed " update '' 2 months ago that locked everyone out of their accounts for weeks they have done nothing. No reporting payments to the credit bureaus, no rewards points for using our cards. I paid over a {$500.00} balance that I would like reflected on my credit score, they haven't reported anything for over 2 months. This is unacceptable
Consumer complaint received 2022-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I have started a new program as a XXXX XXXX XXXX, uploaded and submitted deferment request and also acceptance letter into the program at the beginning of the month. Spoke to a representative ; XXXX XXXX, was told that they do not get notified when, " things are submitted online '' asked representative where I would find that they do not get notified when things are submitted on their website. She stated that, " she was not sure, and I should have called to speak with someone. '' Asked her what the point was of submitting documents online and asked where I should have emailed the forms instead. Service rep stated that, " they do not accept email. '' I believe Navient is acting in bad faith on deferments. I don't believe that they would have just taken my word for it so I submitted official forms on their website in good faith. Representative stated, " that we will request a deferment now. '' Wondering why it wasn't done before I get hit for a 90 day late, even though I submitted documents at the beginning of the month for the deferment and why she wants me to pay even though I am in deferment.
Consumer complaint received 2020-02-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL. XXXX Cell : XXXX Good day, XX/XX/XXXX I reach out to a company XXXX XXXX XXXX ... for a Loan Modification, with a series of question I was approved for the a Homeowners Hardship Program ... it was emailed to me ... in which I filled it out sign and returned with the appropriate paperwork ... I was informed that my payment will reduced and the outstanding balance will be forgiven as long as I paid the 90 day consistently, also they stated that they sent a cease and desist letter to my Mortgage company ... before all of that at one point I was put on hold to reach out to my Mortgage company an individual came with in correct information of my payment history ... once he got off the line, I indicated that the information that given was in correct ... I ask once I've made all three payments installment period is completed successfully, to whom do I continue to make my payments to ... .they couldn't give me a decisive answer ... in that moment would I felt a tad on easy ... however I made my last payment in XX/XX/XXXX... I did inform them that I will be out of town until XX/XX/XXXX. During the time of making my payments I was receiving letters from my Mortgage company I faxed them to XXXX XXXX XXXX ... I inquire why are they still sending me letters, she stated that they'll resend the cease and desist letter again, but I still was receiving them ... so I decided to write my Mortgage company and send them the cease and desist letter myself ... on XX/XX/XXXX I received a letter from my Mortgage company stating the never received anything from XXXX XXXX XXXX XXXX ... this is why I'm reaching out to you.. in my moment of devastation ... what do I do now, how do I retrieve my payments back that I could have paid my mortgage with ... my head is just racing and in this belief ... I called numerous time they refer me to another person one person calls tell me they all call me back they don't call me back when I call a leave a messages nobody calls me back so here we are ... The party 's in play are XXXX XXXX, XXXX XXXX, XXXX XXXX they also email me another name they indicated that is with processing department XXXX XXXX from my mortgage company. There is more but I am Exhausted Best Regards XXXX
Consumer complaint received 2018-12-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NJ)

Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.
Consumer complaint received 2017-12-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX XXXX I was to pay bills online using my online banking account with Bank of America. After logging in and before I was able to use any online banking functions I received a pop-up asking me to verify my personal data. I thought this indicated that someone was hacking into my account ... .asking me to verify my SSN, address, and whether or not I have dual citizenship! These questions are inappropriate and highly intrusive! I suspected a hacker and still do. I called the bank and they referred me to their compliance office, which I can contact after the holiday. 
I could not x out of this request and want verification that this request is from thebank and not from a hacker! Moreover, to ask whether I have dual citizenship is intrusive and inappropriate ... I suspect if this is not the request of a hacker it must have something to do with the regulations or repeal of regulations administered by our lousy XXXX. 
I will contact BOA 's compliance office this week and am in the meantime reporting this request to the XXXX for a response.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

the accounts/ inquires cant be verified and need to removed from report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX have 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 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (DC)

I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

COMPANY STATED THAT ON THE FIRST PAYMENT MADE ON ALL CREDIT CARDS THERE WILL BE A HOLDING PERIOD BUT AFTER THE FIRST PAYMENT EVERYTHING WILL BE REFLECTED THE NEXT BUSINESS DAY. COME TO FIND OUT AFTER MAKING A LARGE PAYMENT THAT THEY HOLD EVERY PAYMENT FOR 10 DAYS AND I WAS LIED TOO ON A RECORDED LINE BY A CITIBANK EMPLOYEE.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I applied for several mortgages within the 45-day mortgage shopping window, between XX/XX/2024 and XX/XX/2024. The first inquiry was XXXX on XX/XX/XXXX ( XXXX XXXX ), then XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX, then XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I believe ) and XXXX XXXX  XXXX  ( I believe this was from XXXX  ) on XX/XX/XXXX. These were all for mortgages from four different companies within the 45-day shopping window, and according to XXXX  " Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. '' However, these are showing as 4 separate inquiries on all of my credit reports and have significantly dropped my credit scores as a result. Transunion does not have a dispute process online, XXXX did not have a way to dispute multiple inquires, only invalid ones, which these were not fraudulent, and XXXX does not allow disputes of inquiries online. 
I called XXXX on XXXX and they were unable to help. 
I spoke with Transunion on XXXX and arranged a call back by a supervisor. I spoke to a TransUnion supervisor on XXXX and they said they would not remove the inquiries unless they were fraudulent. I explained repeatedly that they were not fraudulent but they should only appear as ONE hard inquiry per the CFPB website and consumer protection laws. They just argued with me and would not tell me how to get the issue resolved or what documentation to provide.
Consumer complaint received 2022-04-14
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: Continental Finance Company, LLC (PA)

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010  ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). 
( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As a federally protected consumer I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

It has come to my attention that XXXX XXXX XXXX XXXX has been engaging in illegal reporting practices, specifically stating that accounts are closed every 7 days. This not only violates the FCRA but also constitutes harassment under the FDCPA. 

According to the FCRA, each violation may result in a settlement of {$1000.00}. Therefore, I demand compensation for the damages incurred due to these repeated violations.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NC)

There is a false charge on my Discover account that Discover has failed to investigate for over a year. I have reached out weekly for the last year to Discover and have not gotten a SINGLE response back - phone call or email. They have not provided me with a single line of text or anything in regards to this false charge. IT IS THE 3RD FALSE CHARGE WITHIN A YEAR. The other 2 I paid because it was so hard to reach Discover. The third one is a much larger amount and enough is enough. 

While customer service can't call me back, they have " debt collector '' numbers that call at all hours of the day and night. The last one I answered and explained the situation and they said they would transfer me to another department. I waited on hold for half an hour. No one answered. They said their systems were down and someone would get back to me the same business day. Of course no one did. 

The current call CAME IN AT XXXX XXXX XXXX XXXX XXXX XXXX. I again explained the situation and they said they would transfer me to the right department. I have since been on hold for over an HOUR. 

Discover makes it impossible to reach anyone to resolve a dispute or fake charge. I have NEVER CARRIED A CREDIT CARD BALANCE IN MY ENTIRE LIFE OR EVER BEEN LATE WITH ANY PAYMENT, EVER. My credit score is XXXX, near perfect, and Discover is trying to tarnish that. This is the ONLY WAY THEY CAN MAKE MONEY OFF PEOPLE LIKE ME WHO ARE RESPONSIBLE AND DON'T HAVE CREDIT CARD BALANCES. 

I urge bureaus like this one to investigate these criminal practices of stealing hard working people 's money as they are doing. I ALREADY PAID TWO FAKE CHARGES ON THIS ACCOUNT, I AM NOT PAYING A THIRD NO MATTER HOW EARLY IN THE MORNING YOU CALL ME AND REFUSE TO TRANSFER ME TO THE CORRECT DEPARTMENT AND CLAIM YOUR SYSTEMS ARE DOWN SO SOMEONE WILL HAVE TO CALL ME BACK AND NO ONE EVER DOES
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I already filed a complaint numbered XXXX against XXXX  XXXX, as well as against XXXX Card numbered XXXX. This complaint was also against XXXX XXXX for the same problem, which was for reporting literally 15 year old information on my Transunion credit report, and perhaps XXXX/XXXX   and/or XXXX and/or other credit reporting agencies. In short, XXXX XXXX  has already done the right and legal thing by deleting these age-old accounts, and XXXX and XXXX XXXX need to do so as well and immediately ... as does Transunion and any other credit reporting agency. 

They ( XXXX XXXX ) responded that they need more time to research. BUT -- Attached below please find the response correct response, which took XXXX XXXX   much less time ... which response is that all of these accounts are WELL over the age where they, by law, MUST be immediately removed from my credit report. In short, XXXX XXXX  did the right thing and complied with the law, now XXXX, XXXX, and, most important, Transunion, must do the same! Here is the proper and legal response from XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Card ending in XXXX Dear XXXX XXXX : We recently received an inquiry from the Consumer Financial Protection Bureau regarding the above referenced account. I was asked to review and respond to your concerns regarding the credit reporting of the account. 
Upon review, our records reflect that the above-referenced account was opened in XX/XX/XXXX and was subsequently closed in XX/XX/XXXX. Please accept this letter as confirmation that a request has been sent to the credit reporting agencies to delete any reference of the account from your credit report. It may take 30-45 days for the credit reporting agencies to update their records. 
Your prior requests were declined due to the timeframe in which they were requested. 
XXXX is not affiliated with XXXX or XXXX XXXX, and it will be necessary for you contact them directly regarding your concerns with them. 
Thank you for allowing us the opportunity to respond to your concerns. 
Sincerely, XXXX XXXX Executive Response Unit XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE cc : Consumer Financial Protection Bureau , Case # XXXX our telecommunication number for our hearing-impaired customers is XXXX.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a credit card with Bank Of America, it was in delinquent which the company worked with me to pay the credit card and all fees in full. The agreement was to pay Bank of American in installments once paid the negative trade line will be removed from my credit report. I paid it off XX/XX/XXXX. Bank of America change Status to Closed Never remove the Negative trade line. Ive called Bank of America XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX every time I ask them to remove the negative trade line every department has stated its already been Removed and updated. That 's not true I just pulled my credit report on XX/XX/XXXX and its still effecting my credit. I just wish Bank of American hold up to what I was promised which was to delete the Trade Line.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

the accounts/ inquires cant be verified and need to removed from report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

the accounts/ inquires cant be verified and need to removed from report XXXX XXXXo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (TX)

I received no notice of debt owed. The only way I found out about the collection was through an alert from the XXXX XXXX app on my phone. I received no phone calls, emails or mail from this company, yet they are reporting an account that I had with them. When I initially disputed this through the credit bureau, the account was simply updated to paid, but I never paid them directly. When I called for more information, they said that I should reach out to the original creditor, but it made no sense because it shows that I have an account with them that was. Even after requesting information in writing, I've received nothing.
Consumer complaint received 2022-08-26
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. (GA)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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 2022-02-23
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. (GA)

I closely monitor my credit score through Experian. My credit score has dropped by a total of XXXX points in the past 2 months. This is in spite of the fact that I have no late payments reported, and the fact that my balance overall across all accounts is the lowest it has been in over 30 years. In fact, several of my accounts are at a zero balance. I have contacted Experian, but have been unable to get any explanation as to why this is happening. They basically told me that they had no way of answering the question.
Consumer complaint received 2020-02-10
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. (AR)

I was trying to trade my vehicle for a XXXX, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me a auto loan. I asked them why and I did not get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my to open up accounts that should of never been open. These accounts are not mine. I need them removed immediately.