davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (VA)

From the minute I became a customer I have not been satisfied with XXXX! My credit limit has been drastically reduced as a result of me not using my account as often as Comenity bank feel I should! The less I use my account, the more my credit limit is reduced! These deceptive practices have caused my credit score to go down! I previously filed a complaint with the XXXX XXXX XXXX in which a representative called me back talking about a different issue that had nothing to do with my complaint and never addressed the issue that I currently have! The representative even mention late payments and the fees on my account as being the reason why my credit limit was decreased! I explained to the rep that the late fees was due to my card being stolen and I should not be held responsible for that! Comenity bank and XXXX XXXX need to be held liable for their deceptive practices! I wanted to formally file a complaint here before I file one with the attorney generals office! I wanted to go on record with this agency first before I pursue the rest of my complaints! If my complaints can not be resolved Comenity bank and XXXX XXXX will be held accountable.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

My loan was sold from Sallie Mae to NAVIENT 4 years ago, and the payment increased to more than I can pay each month. 

I applied for IBR, hoping to lower my monthly payment. NAVIENT made my monthly amount due {$0.00}, but now there is over {$20000.00} in interest fees added to my loan amount. 

I want to do the right thing and pay this loan off, but need help finding a REALISTIC way to do so. The terms Navient offers are not workable and are putting me further and further into debt every month. 

I called the company 2 times to discuss this, and was not given any assistance. 

Please help!
Consumer complaint received 2023-07-12
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: EQUIFAX, INC. (IN)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! Please see attachments below.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2019-09-17
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: Prosper Marketplace, Inc. (CA)

My company took out a line of credit with Prosper after a general contractor failed to make multiple payments and breached their contract with XXXX XXXX, XXXX. The loan was to cover payroll, taxes and fees associated with that specific project. 
Prosper advertises " Small Business Loans '' so I contacted them to apply under XXXX XXXX, XXXX. We were awarded the line of credit and paid suppliers, employees, taxes and fees. We were eventually paid by the general contractor and owner after filing a mechanic 's lien on the commercial property. 
They weren't getting paid because bill were not being sent to the business. I later learned Prosper used my personal social security number and was making negative reports on my credit report. 
I contacted my attorney and he noticed Prosper advertises " Small Business Loans '' and advised me to contact the credit reporting agencies immediately as all reports should be on the XXXX XXXX issued by the IRS and not my or any partners personal social security numbers. 
Now my credit took a bad hit
Consumer complaint received 2019-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WINN LAW GROUP, APC (NY)

Today, XX/XX/XXXX, an individual from the XXXX XXXX Sheriffs Department delivered a writ of garnishment to my employer. The writ was endorsed by the Superior Court of the State of California, XXXX XXXX County. The attorney of record on the writ is Winn Law Group ( Winn ) and the plaintiff/petitioner on the writ is XXXX XXXX XXXX, XXXX ( XXXX ) as an assignee of XXXX XXXX. ( XXXX ). 

The writ of garnishment contains a mistaken identity. While it is addressed to my employer, the defendant ( who has the same first and last name as me ), has a different middle name, address, and social security number. I do not currently live in the same state as the defendant. I believe the mistaken identity originates from the fact that the defendants address is in the same zip code as my employers headquarters, despite the fact that I work in a separate office, in a separate state. 

I immediately contacted the sheriffs department and an individual there represented that he had no ability to change the writ, the sheriffs department merely serves the writ. 

I then contacted Winn. The first operator I spoke with forwarded me to an unattended phone line. The second operator I spoke with forwarded me to one of the firms attorneys XXXX XXXX. Mr. XXXX asked for my address and the last four digits of my social security number. He confirmed that the defendant does not appear to be me and said he would draft a release letter to send to the sheriffs department. I requested a copy of the release letter as well. He requested my email address and said he would send me a copy of the release letter in the next 15 minutes. I did not receive any emails from Mr. XXXX today. I tried four additional times to reach Mr. XXXX and left two messages. 

My haste in filing a complaint is an attempt to force Winn or XXXX to submit a release of claims within the 10 day window in which my employer is required to respond. 

I believe Winns misidentification, identifying me as the defendant, is a material violation of my rights and privacy. Further, Winn caused significant embarrassment to me by matter of a sheriff appearing at my employers headquarters and making the false identification public to my coworkers. 

My complaint will be satisfied when Winn ( and/or XXXX ) : 1 ) prepares a release of claims letter that is sent to me, my employer, the XXXX XXXX County Superior Court and the XXXX XXXX County Sheriffs office ; 2 ) each entity confirms receipt of the release letter, 3 ) Winn submits to me an apology letter, and 4 ) Winn posts a new policy on its public-facing website stating the appropriate procedure an individual may follow when it believes it is subject to misidentification and, in that policy, Winn commits to addressing every complaint alleging misidentification. 

I am lucky that I was able to catch the misidentified writ of garnishment before my employer deducted wages. Other individuals may not be so lucky.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (MD)

Dear CFPB, Below this line is the response I received from RECEIVABLE MANAGEMENT SYSTEMS to my complaint cfpb file : XXXX-XXXX  " Thank you for reaching out to our firm. We have reviewed your account. Upon review of your account, the itemized bill that was sent to you on XX/XX/20 is from the original creditor, XXXX XXXX in regards to the services received. Our firm has also requested additional documents from XXXX XXXX and upon receipt of requested documents, will be mailed to the consumer at the listed address in this complaint. Please contact our firm directly should you need further assistance in resolving this matter '' It has been more than 7 months that I have been expecting RECEIVABLE MANAGEMENT SYSTEMS to do the right thing and send me validation of the debt they claim I owe. Or at least delete this erroneous account which is detrimental to my consumer report. Please review the attached file to note that this account is still on my credit report and hurting my ability to obtain credit.
Consumer complaint received 2019-09-17
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: CITIBANK, N.A. (CA)

Between the dates of XXXX XXXX 2019, and XXXX XXXX 2019, someone other than me tried to open an account with EXXON/CBNA. I received a letter in the mail stating the credit application attempt was denied due to my personal information being incorrect. I did not apply for anything pertaining to EXXON, or CBNA what ever that may be. It has shown up on my credit report as a XXXX inquiry, however it was me. This is a fraudulent application.
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (SC)

Chase Receivables Inc., is a debt collection agency is reporting to all three of my credit reporting agencies and they should NOT be! They are violating the FDCPA and should be sanctioned and told to remove their tradelines from my credit reports!
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

Unauthorized accounts on my credit report by all three Credit Bureaus ( Equifax, XXXX, XXXX ) XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2019-09-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (TX)

My husband and I applied for a loan to build a pool at my property. I have a XXXX credit score and my husband has a 800+ credit score. I have {$80000.00} in the bank, I own a  property with over {$300000.00} in equity and I make {$60000.00} a year W2 income in addition to my social security and my husband 's pension. 

I filled out the application online and was asked to call and verify some information. I called and verified everything and they said they needed to speak to my husband. I was at work, so my husband and I called back later. The girl who spoke to my husband insinuated that she did not believe that we filled out the application on line. She asked my husband " did you fill out the application or did someone help you? '' She was very condescending and it was apparent that she did not believe people of our age ( 80, 81 )  should be borrowing money. 

A few hours later I received a denial letter. The denial stated I had too many late payments. I called Lightstream and asked them to go over with me what the denial was about and I alerted them to the fact that I felt like age discrimination was in play. He said that I had a few late payments on my report and that was the reason. I asked him if they had a policy of how many late payments were acceptable and he said it was case by case. I told him that age discrimination was against the law and he offered to resubmit the application. The next day I received the same denial email. 

I feel very strongly that if my application were compared to any other with a XXXX credit score, there would not have been a denial. I am convinced that Lighstream broke the law and discriminated against my application due to my age.
Consumer complaint received 2024-02-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

Company is trying to collect on a debt not owed. The charges that were sent to me, I was not living on property again, reason for stating this is fraudulent charges/identity theft. I was sent the balance owed at move out from the property manager herself and the balance was paid in excess to what was due, therefor a refund is due and should not be kept for profit by the property. FCO seemed to have purposely omitted this page from the ledger showing balance due. Proof of payment was sent to cancel out the debt with a credit balance. They are charging me for months rent that is past my lease date and is clearly outlined on the ledger I was sent directly.
Consumer complaint received 2022-07-18
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. (OH)

In accordance with the Fair Credit Reporting act ; XXXX XXXX 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.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My bank mistakenly mailed a XXXX  check to Capital One that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to Capital One Retail Services and had an account number on it that matched a XXXX store card that I had closed. Capital One decided to apply that payment to my business account, where the checks are made out to Capital One Bank ( NOT Retail Services ) and has a completely different account number. I called Capital One as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. A manager, who would only identify himself as XXXX, first tried to tell me that it did have the account number. Then he said that he was looking at the wrong payment and that I was correct that the check was for a different account in a different department but said that since Capital One had already decided to apply the payment to an account that was in no way connect to or referenced on the check they could not reverse the payment.
Consumer complaint received 2022-07-09
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. (VA)

XX/XX/2022 An unknown account has posted {$67.00} negative collection account on my Experian account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the account and I have disputed this account on XXXX and XXXX XXXX XXXX XXXX and this account was found incorrect and has been removed. But this account is still on my Experian account. I have also connected Experian several times about this account.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION. BECASUE OF THIS, IT HAS CAUSED A GREAT HARM TO MY CREDIT AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2018-08-13
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: CICA Collection Agency, Inc. (TX)

XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information
Consumer complaint received 2021-07-19
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (AL)

XX/XX/2019 XXXX : WIRE TRANSFER To whom it XXXX concern : I went to transfer money via Western Union XXXX at a local XXXX only to be told that I was forbidden to transfer said money as there was a security issue which has been present since XXXX of 2019. I have sent numerous emails and spent hours on the phone to have this issue addressed to no avail. Please remove this alert or provide a detailed explanation as to why I am unable to use your services.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! I am filing all the necessary paperwork as I have recently found out about this. The following accounts need to removed from my XXXX, XXXX, and Experian reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX {$300.00} XXXX
Consumer complaint received 2023-08-01
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. (TX)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

15 U.S. CODE 1692G - XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NH)

As a customer of TD Bank, I received an email message XXXX XXXX informing customers that the bank would be increasing its monthly fee for paper account statements from {$1.00} to {$3.00}, beginning XXXX XXXX. Here 's a portion of the email message : " Heads-up. The paper statement fee is increasing to {$3.00}. But don't worryyou can avoid this fee just by enrolling in paperless statements. Plus, when you make the switch, you'll eliminate clutter, help the environment and enjoy XXXX access to your account information. '' Tripling the fee adds up to {$36.00} per year per customer, which is exorbitant, and amounts to coercion to transition to online banking, which I, as a senior citizen, wish not to do. This move presents a hardship to seniors I know who aren't on the internet and to lower income customers, especially in rural areas, who don't have access to reliable internet or who simply can not afford the service. 

As the XXXX XXXX XXXX XXXX notes in a XX/XX/2016 paper, " Paper statements must be available for free for consumers who want them, and consumers should not be coerced into electronic statements or steered into them by default if paper is the consumer 's first choice. '' In the report XXXX enumerates several reasons regarding the importance of paper statements as a consumer protection : XXXX XXXX XXXX I have been willing to pay the {$1.00} per month fee to receive paper statements because I think having a hard copy for my records is important ; however, I feel " taken '' by TD Bank 's move to triple the fee. 

As XXXX writes, " Unfortunately, some financial institutions are aggressively pushing consumers into electronic statements, using tactics that are questionable and arguably illegal. ''