davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I was very disappointed after securing a Wayfair card from Comenity Bank when needing a new mattress. I thought I could pay the promotional balance by the end of the promotional period to avoid interest, which I managed to accomplish. However, I was unable to schedule payments more than 30 days in advance. I could not schedule a minimum payment either. With my current life circumstances, I couldn't always access my account in a timely manner because I am a single working parent of XXXX XXXX XXXX  children in a demanding XXXX XXXX field. They did refund some late fees of {$35.00} for me, but there are still two for a total of {$70.00}. So even though my charged amount is paid off and my account is closed, they are still sending me statements for late fees totaling {$70.00}. 
I complained to the customer service agent many times over the course of the 2020 about what I felt were unfair credit practices. What credit card does not allow a minimum payment to be scheduled so you never make a late payment? What credit card does not allow you to schedule future payments so you can easily manage your account with minimum amount of effort and time exerted? Comenity Bank, that's who!!! Because they are making bank off of hard working, over scheduled consumers who don't have a lot of time to micromanage their accounts. 
Now they have reported to the credit bureau and my excellent credit has dropped several points. 
I can't feel good about paying {$70.00} that resulted from their unfair and unethical business practices and I want this money refunded and my account with Comenity permanently closed.
Consumer complaint received 2023-09-05
Product: Credit 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: CITIBANK, N.A. (NH)

Citi has added multiple duplicate Citi Flex plans to my credit card account on my XX/XX/XXXX and XX/XX/XXXX statements that I never requested. They were duplicates of plans that I started paying on back in XXXX. I have now paid off the original plans and Citi essentially started them over and is trying to make me pay them again. Citi flex plans XXXX on my XX/XX/XXXX statement are all duplicates which they have now applied my last payment towards as a first installment. That money should have gone towards my regular balance, not another flex plan. I will attach the XXXX statement showing when the plans were first initiated and then my XXXX and XXXX statements to show when duplicate plans were added. I have had multiple calls with an accounts specialist in Arizona named XXXX, but she has now stopped calling me back. They screwed up my XXXX statement so bad I can't even understand what they did or why. This has caused me great distress and anxiety that I should not have had to deal with. I've always been a customer that pays off the full monthly balance when due. They have provided no help or resolution in this matter. My XX/XX/XXXX balance should be lower by {$5300.00} and any funds applied toward those duplicate plans 10-14 plans should be refunded.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MN)

I got a copy of my credit report from LexisNexis and found inaccurate information listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as LexisNexis. Public Records cant be validated due to the FCRA Privacy Laws. If LexisNexis cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy if the Bankruptcy Court and other agencies dont verify Bankruptcies? My LexisNexis report is frozen as well so how is XXXX, XXXX, and XXXX verifying this debt as accurate? None of the information even reported by LexisNexis is accurate. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2022-01-07
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. (GA)

Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.
Consumer complaint received 2022-02-03
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. (NY)

I HAVE MANY YEARS TRYING TO REMOVE THIS FRADULENT ACCOUNT FROM MY CREDIT REPORT AND NOTHING HAPPENS. I HAVE SENT WRITTEN REQUESTS, CALLED OVER THE PHONE, FILED POLICE REPORTS AND IDENTITY THEFT REPORTS. THIS ACCOUNT IS DENYING ME FROM PROGRESSING IN LIFE. 

XXXX XXXX {$1100.00}
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

I was recently denied my XXXX student loans due to fraudulent accounts on my credit file which was due to identity theft. I have called the collection company " XXXX XXXX '' about this and they told me the debt of XXXX is from XXXX XXXX. I never opened a XXXX XXXX account ever. On my credit file, it says that this collection account was opened XX/XX/XXXX. 

Also there is a fraudulent XXXX  XXXX XXXX credit card with a balance of XXXX. This account according to my credit file was opened XX/XX/XXXX. I have spoken to XXXX XXXXXXXX XXXX about this but it still shows up on my credit file. I did not open this account and want it off my credit file.
Consumer complaint received 2018-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CORELOGIC INC (NY)

I was looking through my credit karma and see I have a hard inquiry on XX/XX/2018 from Credco. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Consumer complaint received 2022-03-19
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

PLEASE HELP! 

I send XXXX a letter on XX/XX/2022 requesting that they provide me with the proof that the creditors in the attached letter provided to them to validate/verify the accounts that they are reporting on my consumer credit report. XXXX has failed to do so. By law Credit reporting agencies are required to provide the information that the creditor provide them and XXXX obviously feels like they are above the law. They have verified the account as accurate and updated. I send in the attachment that received my correspondence requesting that they provide me with proof yet they ignore it and just update the accounts. XXXX is being a bully and because I feel like I am fighting for my rights because they are being violated. Dealing with XXXX has cause me to start having anxiety attacks because they are not obeying the law. This accounts does not reflect my credit worthiness and should be removed due to the fact that XXXX has yet to provide me with documentation/correspondence of what I have requested. A update credit report is not what I asked for. I have requested proof of verification/validation. I have also filed a complaint with the XXXX because I feel I need additional help/ back up due to the fact that XXXX continue to tried to bully and intimidate me. 


15 U.S.C 1681c ( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

15 U.S.C 1681 ( a ) ( b ) ( 3 ) ( 4 ) ( d ) Information required to be disclosed 15 U.S.C 1681c ( e ) ( f ) ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (LA)

I moved from XXXX XXXX XXXX located in XXXX, Louisiana, after being displaced from hurricanes Laura and Delta since XX/XX/XXXX, on XX/XX/XXXX. I received my deposit back from the office and actually left with a positive rent balance due to a rental assistance credit from XXXX XXXX in the amount totaling {$1300.00} that was for the months of XXXX, XXXX, XXXX and XX/XX/XXXX rental payments., but due to me returning to my hometown of XXXX XXXX XXXX Louisiana XXXX the office was suppose to return {$980.00} for XXXX, XXXX and XXXX since i was no longer residing there. I was not contacted by anyone after I left XXXX XXXX even though they had my cellphone number and forwarding address and I did not find out about a so called balance until I got a letter in XX/XX/XXXX from a debt collector stating I owed XXXX XXXX money although i got my deposit back. I tried calling for months with no success and finally borrowed my father 's vehicle a drove to XXXX on XX/XX/XXXX to confront whoever was now working in the office and found out that someone put a whole bunch of charges on my ledger in XX/XX/XXXX and the office staff didn't know what it was for and I didn't even live there anymore, so these so called charges are what got sent to collections. They also lied stating I moved out XXXX XXXX to and justify keeping part of the {$980.00} check but I have my XXXXl receipts from XX/XX/XXXX.
Consumer complaint received 2019-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

STEP 1 : What is this complaint About? 
This Complaint is about a Navient ( Sallie Mae ) Private Student Loan : This loan was executed on XX/XX/XXXX and disbursed on XX/XX/XXXX, in the amount of {$22000.00} plus {$880.00} in Fees for Tuition at XXXX University in XXXX Florida, for my Step Daughter. 

STEP 2 : - What type of problem are you having? 
I do not have the financial resources to pay the loan. 
My income is {$620.00} per month from Social Security, and the monthly payments on this loan currently is {$320.00}. 
Note : As of XXXX, I secured Seasonal Part Time Employment with XXXX XXXX. However, due to my XXXX XXXX, the XXXX and the recovery time, my income from XXXX XXXX for XXXX was only {$27.00}. The remaining years income from XXXX XXXX were as follows : XXXX {$490.00} ; XXXX {$2400.00} ; and XXXX {$3400.00}. 
ABOUT THE PRIVATE STUDENT LOAN : The Originating Lender was Sallie Mae Bank, XXXX, UT, c/o Sallie Mae, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. Navient took over this Private Student Loan in XX/XX/XXXX. The original loan amount was {$22000.00} plus Fees of {$880.00} in XXXX, and as of XX/XX/XXXX, according to Navients Account Summary the total current balance if paid today, is {$25000.00}. 
I have tried for the past seven ( 7 ) years to work out a payment plan with Navient that I could manage but I have not been successful. 
On XX/XX/XXXX, Navient sent me the repayment Options available to me, which are a One Year Interest Only Repayment Plan, a Two-Year Interest Only Repayment Plan, a Three-Year Interest Only Repayment Plan and a Four-Year Interest Only Repayment Plan, each having the payoff year of XXXX and payment amounts that I can NOT afford. 
In XXXX, I will be XXXX years old, if still alive. These terms are unrealistic terms financially for me. ATTACHMENT # 17 Navient Interest Only Repayment Plans 1 Page.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

My debit was use in unauthorized charges total in XXXX from XXXX chime is who I bank with take really don't dispute anything my card was stolen was awere I sent emails to the merchant for request a charge back I file the same day I noticed unauthorized transaction with was 2 days better yet XXXX  is not legally authorized to take tranzsation from chime they don't do bizzsiness with XXXX make it and illegal transaction
Consumer complaint received 2019-09-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates ji I have contacted TransUnion several times in regards to the 40 inquiries that are fraudulent on my credit report the customer service has failed to help me every time I have also submitted about five complaints now this makes the fifth one I havent gotten a response back from any of the complaints no status updates updates or nothing
Consumer complaint received 2022-03-19
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. (CA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.
Consumer complaint received 2022-03-19
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: DISCOVER BANK (IL)

Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.
Consumer complaint received 2019-09-14
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. (NY)

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

To Whom It May Concern, The reason for my dispute is COMMONWEALTH FINANCE # XXXX**** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCE # XXXX**** failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCE #  XXXX**** failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation COMMONWEALTH FINANCE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where COMMONWEALTH FINANCE is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

This matter is regarding US residential management company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX they used to manage Park on XXXX XXXX, TX XXXX. 

When I moved out they said I owed for a washer and dryer, I had them move out their washer n dryer because I had my own. 
For one they had never contacted me until like a year later about ANY damages I provided them with a move out contact number and address. Only heard about it when had actually went to collections and than they would not provide with sufficient documentation said charges besides a sheet of paper that said " cleaning '' and " damages '' with no description. I finally get the ledger and there's a XXXX dollar charge for a washer and dryer. I had my own I have receipts for that washer and dryer too that I can provide but they should have a work order stating that I wanted them to move out the washer and dryer.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by Experian, XXXX, and XXXX. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by Experian, XXXX, and XXXX are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by Experian, XXXX, and XXXX. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>
Consumer complaint received 2022-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (VA)

This collection account is a timeshare account for maintenance fees. I do not have a timeshare. This same company did this to me several years ago. I had a police report for my billfold being stolen. XXXX report number. That old account was deleted, and now years later it comes back. I dont know any way to dispute this. Ive called the collection company and they dont believe me. I dont want to pay a lawyer, but my credit is excellent and Im not going to pay {$3000.00} for a bogus debt. Thank you.