davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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. (GA)

The department store XXXX XXXX XXXX has report incorrect information on my credit report and I have disputed this with them three times and they are failing to correct the errors. I have also disputed this with Experian XXXX XXXX on two different occasions and I was informed the information is correct. I have attached the information that are being reported inaccurately. The payment for XX/XX/2019 was never late. The credit card company is reporting for the month of XX/XX/2019 that payment was made on time with Experian and reporting 30 days late with XXXX. This is inaccurate reporting that has ruin my credit score and no one is trying to correct the reporting.
Consumer complaint received 2019-10-06
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. (CA)

if noticed i am a victim of identity fraud with the accounts listed below XXXX  XXXX XXXX  XXXX XXXX Last reported XX/XX/2019 {$580.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2019 {$900.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX Last reported XX/XX/2019 {$680.00} Open balance XXXX XXXX  Original creditor
Consumer complaint received 2021-12-22
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. (IN)

TO WHOM IT MAY CONCERN I XXXX XXXX FEEL LIKE THE CREDIT BUREAS EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF FCRA SECTIONS 623,609, AND 611 BECAUSE THEY HAVE NOT GIVEN ME PROOF OF THEIR INVESTIGATION OF THESE UNAUTHORIZED ACCOUNTS THAT ARE IN MY NAME AND THE ACCOUNTS ARE XXXX XXXX  # XXXX OPENED XX/XX/XXXX FOR {$250.00} XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$400.00} XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT INWHICH I DONT HAVE A CLUE THESE ACCOUNTS ARE ALL FRAUDULENT
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Complainant states that on XX/XX/2022 an individual or entity unknown to complainant withdrew {$1200.00} from complainant 's checking account - one of three accounts at Capital One, N.A. held by complainant residing in XXXX, MD. 
In the course of regularly reviewing this specific checking account online, complainant on XX/XX/2022 saw the withdrawal, described as " check payment '' with a preprinted check number that complainant had already written to a life insurance company for {$1600.00}. An image of both the front of the legitimate check as well as the back of the check is fully shown after said check had been deposited by the insurance company and is clearly documented in Capital One 's online banking system. 
Unlike all other check withdrawals from complainant 's said checking account, Capital One 's online banking system contains NO IMAGE of the purported same numbered check for the {$1200.00} amount. 
Since XX/XX/2022, complainant has contacted Capital One, N.A. at least 5 times to alert the bank of the undocumented, unauthorized withdrawal of {$1200.00} and requested the misappropriated funds be immediately restored to complainant 's checking account. 
None of the more than XXXX Capital One employees with whom complainant has spoken could identify the person or entity who or which withdrew the {$1200.00}, nor could they produce any image of the so-called check or otherwise provide any explanation of the withdrawal or even explain the absence of any online image. 
Complainant has repeatedly demanded that the misappropriated {$1200.00} be immediately restored to complainant 's checking account. That demand has yet to be fulfilled. 
Since XX/XX/XXXX, Capital One 's various employees have said that the withdrawal is being reviewed and/or investigated by other Capital One employees variously labeled as " customer service research, '' " dispute '' or " investigative teams. '' At least two case numbers have been assigned to this matter. 
All of the repeated three to ten day periods Capital One employees said it would take to complete its investigation have come and gone with no restoration of complainant 's {$1200.00}. Nor has Capital One EVER contacted complainant/customer of more than 30 years with Capital One to advise complainant of the results of Capital One 's investigations. Complainant has had to initiate every inquiry. 
One of Capital One 's employees verbally acknowledged that the negligence or malfeasance was the result of an individual " ... presenting an image of a check with the information being put in incorrectly... '' and that the check was " ... processed incorrectly. '' That acknowledgment, however, did not lead to any restoration of complainant 's funds. 
Banking with a financial institution requires that the customer entrusting funds to that entity have confidence in the integrity and security of said institution. Capital One, N.A. 's slogan is " What in your wallet? '' In this case, complainant asks " Who's in my wallet? ''
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/2022, I contacted my service, Specialized Loan Servicing, to discuss options, multiple times. One time, I called and once on the line with the representative, she hung up. I also called once and was told that my loan was not in the system yet and that she would transfer me to the right department, then transferred me to a dead line. I was speaking with a representative shortly who also told me that my account may not qualify for deferral of payments after forbearance and that I may have to make all missed payments at once or would be subject to foreclosure.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect Experian is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.
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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX  XXXX on SSDI due to catching XXXX in XXXX that destroyed my credit with medical bills. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX working with XXXX manufacturers. Sue to wide spread XXXX in my body the State of Massachusetts hid the XXXX illness and I was assigned a Lawyer that was promoted to Judge. I was passed on to a corrupt lawyer that never brought my case to trial. She was disbarred for stealing funds from clients funds. Since my Bankruptcy in XXXX of XXXX I have paid all my bill on time 100 % of the time. XXXX had defamed me by reporting inaccurate information and rejection of an application XXXX and reporting inaccurate credit score of XXXX. They also used statements that are untrue to date. Currently my TransUnion report is inaccurate. I need to file suit to clear my name. My current credit score is XXXX.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

We bought our house XXXX our first payment on XX/XX/XXXX ( mortgage loan XXXX ) XXXX. The ( XXXX mortgage XXXX ) mortgage maturity date is XX/XX/XXXX as stated per the contract. We've been paying the XXXX mortgage month. To select portfolio services as they Has been sending us payment statements every month and we continue to pay the XXXX mortgage up until now. We sent select portfolio services letters stating that we've overpaid our XXXX mortgage. And the mortgage loan contract we had signed on XX/XX/XXXX. Had specific amounts and maturity date XX/XX/XXXX. Now here its XX/XX/XXXX. We've Paid nearly hundreds, thousands more than the contract stated. Also select portfolio services has manipulate the main mortgage XXXX balance XXXX of accurate mortgage principal and interest. and started sending unverified amount of mortgage balance adding instabilities and inaccurate information to the credit reporting agency.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Adjustment Corp. of S.W. FL., Inc. (FL)

XXXX and XXXX is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from Professional Adjustment one for {$470.00} and one for {$650.00}. This information is incorrect XXXX is also reporting a medical bill from Professional Adjustment for {$650.00} that was paid and should be removed.
Consumer complaint received 2022-02-03
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (NC)

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Comenity Capital/MPRC, I am writing to address a concerning matter regarding an inquiry reported by Comenity Capital/MPRC XXXX which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Comenity Capital/MPRC to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Comenity Capital/MPRC to remove this inquiry from my file within XXXX business days. 

Furthermore, it has come to my attention that Comenity Capital/MPRC neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Comenity Capital/MPRC . Failure to provide this information will leave me with no alternative but to initiate a level XXXX audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Consumer complaint received 2019-04-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TX)

During the time period of XXXX, at age XXXX, I took out an educational loan from Sallie Mae, which is now Navient. The original amount borrowed was {$16000.00}. I used this money for various educational purposes on my way to earning an XXXX XXXX degree from XXXX XXXX XXXX, a XXXX XXXX degree from the XXXX XXXX XXXX  at XXXX, as well as a XXXX XXXX degree from the XXXX XXXX XXXX at XXXX. With my continuing education, my financial aid added up quickly. While I was attending school and in repayment status, Navient made it very difficult to work out a solution to my repayment needs. Early in the process, the customer service department at Navient continued to have me file deferments and forbearances, only to sink myself deeper in debt with no real relief in sight. After years of payments, they allowed me to create a situation where the monthly payments no longer covered the interest and service fees that were being added on monthly. As I graduated college and began working as a teacher, Navient never once guided me toward teacher loan forgiveness plans or public servant aid that was available. They never suggested any plan to where I was on the road to consecutive payment forgiveness or a process to reduce my overall financial aid debt. Due to their negligence and misleading endeavors, the original loan amount of {$16000.00} had ballooned out of control to nearly {$36000.00}. In XX/XX/2016, due to the death of my parents, I inherited a fairly large sum of money. A major goal was to get my finances in order so that I could be debt free. When I called to try to settle my account, no one at Navient would allow me to do so. After getting forwarded to different managers and specialists, over a number of frustrating weeks, I was sent to a group that even told me settling for {$25000.00} would not get my debt resolved. Again, it was never suggested or advised by anyone that I should enter a monthly plan so that the debts could be forgiven due to consecutive years of payments or because of my employment as an educator. Finally, they called me back with a settlement offer of {$31000.00} ( roughly 85 % of my overall debt ). They told me that this had to be paid in one lump sum and was non-negotiable. The way the interest was accumulating monthly, Navient representatives made this seem like it was the best course of action. So, reluctantly, I paid them {$31000.00} because they advised that this was the only way to keep interest from accruing. XXXX I reiterate, there was no mentioning of the various plans of assistance available to me. I am hoping to have this amount forgiven toward the remainder of my loans or paid back to me by Navient for their misguided & corrupt practices.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

This issue regards my Macy 's American Express credit card issued by AMEX/DSNB, XXXX XXXX XXXX XXXX, OH XXXX, XXXX. 

My credit limit was cut in half early in XX/XX/2019. I received no notice of the change from AMEX/DSNB. I learned of the change from an alert issued by XXXX that stated : " AMEX/DSNB lowered your credit limit to {$900.00}. 
Credit limit is the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. A reduction in your credit limit may negatively impact your Credit Score. '' Subsequently, I learned from AMEX/DSNB that my credit limit was lowered because of inactivity. 

MY COMPLAINT IS THAT MY CREDIT LIMIT WAS LOWERED WITHOUT PROVIDING ME WITH ANY NOTICE, AND THAT MY CREDIT SCORE COULD HAVE BEEN AFFECTED. 

The customer service representative at AMEX/DSNB informed me that they have no obligation to provide me with notice. If this is correct, I respectfully suggest and request that CFPB adopt a rule requiring issuers of credit instruments to provide customers with notice of any changes, including credit limits, to their accounts. 

AS A RESULT OF THEIR LOWERING MY CREDIT LIMIT WITHOUT NOTICE, I CLOSED THE ACCOUNT AND DECIDED TO MAKE A FURNITURE PURCHASE FROM AN ALTERNATIVE VENDOR INSTEAD OF MACY 'S
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

First of all, none of the question I selected before explains what Im experiencing. I will need to go into details for you, it's lengthy. This is to the Pre-paid XXXXXXXX XXXX  card. 
I was a victim of theft in XX/XX/XXXX, my card was frozen without any communication from the institution. After trying to use my card the weekend of XX/XX/XXXX, B of A froze my account so, I proceeded to a B of A branch. That weekend was my first time accessing my prepaid on line account. Upon doing that I was able to see charges in XX/XX/XXXX which I didn't make. Keep in mind, I have in my possession the same card from XXXX so when XXXX reloaded funds, the thief who had my information, cleared out my account of remaining funds. I filed 2 claims, the first one was {$190.00} second one was {$1300.00}. the claim for {$190.00} was paid with no problem however the second one wasn't. I called and asked them why. Some excuse was given and it was suggested by B of A representative to file a police report. Which I completed before the call and was currently waiting on a copy to present to the business. I received all faxing and mailing information for B of A. Since XX/XX/XXXX I have faxed copies of the police report 12 different times!!!!! I EVEN FAXED FROM A B of A BRANCH. I have called everyday for a month, and there is still no signs of any of my faxes as of today. On the XX/XX/XXXX I mailed it using 2-Day service to the claims department in AZ, still they do not see any of my forms. XXXX, XXXX XXXX XXXX, XXXX XXXX. I've asked for a phone number or an email to anyone in the Claims Department and none of the 17 representatives I spoke with could get me any farther than a fax # or address. This is XXXX believable, don't you think so? I feel the corruption is coming from within. Why this issues can't be resolved as quickly as the 1st claim?
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX / XXXX / {$450.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX reported the XXXX late payment to my credit report and ruined my credit. 
I am in the middle of the mortgage process and I am losing my home due to this issue. 

Attached, you will find a copy of the letter received from XXXX XXXX XXXX ( XXXX ), indicating their decision not to remove the late payments from my credit report. Additionally, I have forwarded another letter to XXXX XXXX requesting a reconsideration of their decision. 

Allow me to explain the situation at hand. 

On XX/XX/2023, I canceled my XXXX service agreement, anticipating a refund of {$2200.00} to be credited to my XXXX account. I was under the impression that this refund would cover my monthly payments. Regrettably, it was only after contacting XXXX XXXX XXXX ( XXXX ) following the holiday period that I became aware of a missed payment. Subsequently, I promptly made the payment. However, despite updating my account to reflect my current status, XXXX did not delete the XXXX late payment for XX/XX/2023 from my credit report. Attached, you will find my XXXX account transaction history. 

There was no indication, verbally or in writing, that the refund would only be allocated towards the principal rather than both principal and interest. Moreover, there is no mention of such terms in the cancellation agreement ( attached ). 

While XXXX has updated my account to reflect a decrease in overall debt, resulting in a slight increase in my credit score, my current Experian mortgage credit score stands at XXXX ( I need min XXXX, and no late payments on my record ). 

The dispute process may take a long time to resolve, and I believe it is unfair that I am losing my home because of this mistake. This does not accurately reflect my creditworthiness ; rather, it reflects my naivety I eagerly await your guidance and any additional requirements you may have. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this pressing matter. I am looking forward to hearing from you. 

Warm regards, XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.