davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-19
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: Experian Information Solutions Inc. (MA)

HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged onto XX/XX/XXXXto verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXX is XXXX, onXX/XX/XXXXis XXXX, and on TransUnion XXXX. 

On XX/XX/2020, I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/2020, after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CT)

I applied for the SAVE Plan on XX/XX/XXXX, after weeks of trying to access the FSA website but finding it down ( like many other people ). I was immediately approved, and told that my new payment amount would be {$0.00} ( being a parent and having a mortgage, this was the best news ever ). So, I knew it might take some time to process with my servicer, which was switched to MOHELA when my PSLF ( I work for the XXXX XXXX ) was approved in XXXX of XXXX, so I sucked it up and made the first payment of {$240.00} at the same time. There was even an option during the SAVE Plan signup to apply {$5.00} to avoid anything counting as a missed payment ( or something like that ), which I took advantage of. Fast forward to XX/XX/XXXX, and I have needed to make that {$240.00} payment 5 times so far, as MOHELA has listed my IDR Document as " Processing, '' with a received date of XX/XX/XXXX, the day after I was approved for the program by the FSA. MOHELA 's website still states they have a high call volume, consulting the internet has resulted in me learning that it's essentially pointless to call, and that the only way any action gets taken is by filing a CFPB claim. I acknowledge that MOHELA has a lot of stuff to sort out, but the fact that they've taken over 5 months and still haven't processed my claim ( which, as a reminder, is PSLF-eligible, meaning in a few more years they should be forgiven ), it really seems as though they are delaying the process of my claim in order to get as much of the limited amount of money I would have to pay out of me. I can't afford these payments, I haven't been able to afford them, and the credit card debt I'm prevented from paying off by making these payments ( which I HAVE to make, as a condition of PSLF ) is causing massive harm to my credit score and the amount of debt I have now.
Consumer complaint received 2021-10-20
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 (PA)

This Complaint was completed by I XXXX XXXX The Consumer no third party etc involved. I XXXX XXXX The " CONSUMER NATURAL PERSON '' under 15 USC 1692 a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15USC 1692 a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 15USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I the consumer extended my Original Credit as the ORIGINAL CREDITOR in a consumer transaction to receive an open ended credit line I was not authorized and denied I verified who I am and 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1637 - Open end consumer credit plans. The company refuses to acknowledge who I am and what my status is under the Federal Law, Consumer Law, FAR, UCC, TILA, and FDCPA laws rules and regulations. I also am reporting Billing Error due to false and misleading practices and failure to send or submit the proper documentary evidence in the alleged agreement provided from Capital One I sent in instruments that is written by law deemed acceptable being public law 73-10, 48 stat 112 and UCC 3-104 and other laws regulations that will be used in my affidavit with the exhibits I also have to present.
Consumer complaint received 2021-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have several business checking accounts for my businesses. XXXX since the COVID pandemic Bank of America has been charging {$35.00} insufficient funds fees in error and refuses to return them. Several reps say i '' it is the wat they process even if you put money in your account to take care of the negative balance. 

Also there was fraud done on one of my accounts and i submitted a dispute claim with Bank of America. They did not take my supporting documents to prove the fraud even though i offered them. They placed a temporary credit in my account pending an investigation. The temp credit was taken back out causing my account to go negative. I contacted Bank of AMerica but had to make an appointment to see a representative. During the course of two week my unemployment was direct deposited into the negative account. After i spoke to a rep the credit was placed back into my account but bank of america did not give back my unemployment payments into my account!!! During a pandemic Bank of America will not resolve this issue or even acknowledge that they are not accurately reporting my funds in my balance!! 

Bank of America is stealing money from consumers during the pandemic
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc. (PA)

On XX/XX/XXXX I pull my credit report and found out that AWA COLLECTION/ ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX and wrote back on XX/XX/XXXX. The AWA Collection has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges.

2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 
3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 
4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 
5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX fine of {$1000.00}. 
Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WI)

I have 2 double cash credit cards with Citi Bank, they are underpaying cash rewards : they are stealing money from customers. Both my credit cards are being underpaid. 
I never checked on Citi how my rewards were paid however I checked XXXX and they are refusing to pay 2.5 % for card ending XXXX and 2 % for the second card. 

Citi doctors customers records behind the scene, this has to stop
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

To : XXXX Re : XXXX XXXX XXXX Discover credit card account that is not mine XXXX I wish to make a complaint against a debt collector, XXXX XXXX XXXX XXXX who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. Discover had claimed they issued a card to a person with the same first name, but a different last name than me, and now Discover and the company they sold the debt to, XXXX XXXX XXXX, claim that this account is mine. 

This identity theft Discover account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX, despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to Discover, XXXX XXXX XXXX, and the XXXX XX/XX/XXXX, and XX/XX/XXXX. 

I do not have an account, nor have I ever maintained an account with Discover. 

Discover claims that the account was opened via an internet application we received on XX/XX/. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. XXXX XXXX XXXX and Discover refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both XXXX XXXX XXXX and Discover in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and XXXX XXXX XXXX continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for XXXX XXXX XXXX to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that Discover be compelled to do the same.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The collection company has illegally reported THE SAME ACCOUNT TWICE WITH TWO DIFFERENT OPEN DATES on my report which is against federal laws! 


I have reported that an investigation be done for this collection account under the name of XXXX XXXX XXXX XXXX. I've never had an account with the company nor XXXX I asked the debt to be validated and they failed to do so within 30 days. I sent a copy of that to the 3 major credit reporting agencies and they failed to remove the account and said the account was verified AFTER i sent in all proof of this account being fraudulent. More importantly it is illegal to reage debt and list the same account twice on a report with TWO DIFFERENT OPEN DATES. I HAVE ATTACHED PROOF OF THE CPAMY DOING THIS AND THE 3 MAJOR CREDIT COMPANIES STILL DID NOT REMOVE THIS FRAUDULENT COLLECTION ACCOUNT
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I had this issue since XXXX earlier this year with EXPERIAN. This is ridiculous. I have a monitoring services that suppose to pull all three credit bureau reports. It can't even pull from EXPERIAN at all. Called Experian about issue and always leads to a dead end. No one can't help me. Tried to talk to the supervisor no help, she stated that the escalation team is notified since XXXX and they're still working it??! Today is XX/XX/XXXX. I can't even pull my EXPERIAN report from EXPERIAN.com. They stated I had to wait for it to come in the mail. I have rights to view and get my reports online like any other consumers. 

Called EXPERIAN several times over the few months. They've sent me to IT tech, they couldn't fix the issue, membership department had no clue what I was talking about. Even deactivating my account and try to get a new one, still didn't work. I'm frustrated and UPSET that this XXXX company can't let me view my current reports ONLINE. EVEN my credit monitoring services can't even pull from Experian. THEY'RE WITH HOLDING MY REPORTS and that's ILLEGAL. They need to let me view my reports ONLINE and if I order it from other CREDIT MONITORING services, they need to release it.
Consumer complaint received 2020-12-02
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I signed refinance documentation for a VA XXXX Fixed 30 Year with Loan Depot on XX/XX/2020 ; this is my current mortgage company. My loan has been conditionally approved by underwriting for three months ; I have called Loan Depot over 25 times with no response from various messages. I have escalated through customer care, and no one from the refi side or loan officer has called me back. The customer care reps are limited in what they can do but have stated this is not normal from what they have seen. They have sent messages from their side directly to the member team with the answer no one has called back. I have sent messages through the portal with no response. I do not know what to do, or it should have gone to someone else. At the two month mark, I did talk to XXXX XXXX ( manager ), and I explained that I had had the same offer they gave from other Mortgage companies, and the other companies guaranteed they could get the loan completed quickly. He reassured me that they would get the ball rolling and be very quickly 57 days ago. Now those rates are lost me, and I'm and stuck waiting on them with no choice to look elsewhere. I don't want my credit pulled again as it had been pulled previously two times separated by 30 days because I could not get ahold of anyone. Additionally, I am a 100 % XXXX retired XXXX Veteran ; I'm not sure if the stall is because there is not enough money to be made off this refinance. I am taking the backseat to other more profitable loans. I can not see why there would be any other reason unless they have not completed one refinance since XX/XX/XXXX, which I'm sure is not the case.
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S (CA)

To : XXXX Re : Suttell & Hammer/ XXXX credit card account that is not mine XXXX I wish to make a complaint against a debt collector, Suttell & Hammer , who are in violation of the California Fair Debt Collection Practices Act and the federal Fair Credit Reporting Act. 

I have been the victim of identity theft. XXXX had claimed they issued a card to a person with the same first name, but a different last name than me, and now XXXX and the company they sold the debt to, Suttell & Hammer, claim that this account is mine. 

This identity theft XXXX  account has been added to and is negatively impacting my consumer credit files since XX/XX/XXXX despite the numerous disputes and certified letters with documentation including my FTC Identity theft report, my police report, and proof of my identity -- that I have sent to XX/XX/XXXX, Suttell & Hammer, and the CRAs XXXX, XXXX, and XXXX. 

I do not have an account, nor have I ever maintained an account with XXXX. 

XXXX claims that the account was opened via an internet application we received on XX/XX/2016. Note that the account was allegedly opened for a person with the same first name, but a different last name than me. I have never had or used any other name. 

Any person or persons with my stolen identity credentials and malicious intent could have opened this account via the internet. Suttell & Hammer and XXXX refuse to provide any contractual documentation to me regarding this account. Further they refuse to remove it from my consumer credit files despite the fact that I have, on multiple occasions, provided them with all of the documents theyve requested proving my identity and the fact that I have been the victim of identity theft. The latest certified mailings I sent them with this information was on XXXX. 

I have repeatedly contacted both Suttell & Hammer and XXXX in my efforts to resolve this issue, but they have not removed this account from my consumer credit files and Suttell & Hammer continue to harass me in regards to this debt. 

There is no pending court action and I have not filed a lawsuit regarding this matter. 

The resolution I am seeking is for Suttell & Hammer to cease contacting me regarding this debt and to remove all instances of it from my consumer credit files. I further request that XXXX be compelled to do the same.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My Federal student loans were forgiven and discharged by the Department if Education. I submitted this information to all 3 credit bureaus and instead of updating my loan information to paid as agreed they deleted all my information regarding the loans. I have been trying to get them to put them back as paid as agreed but they have not done so and it has been affecting my ability to get any new credit and has been hurting me financially.
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/21 Comenity Bank closed my Credit Card that was in perfect standing. They cited 'inactivity and/or information ' in my credit report for cause. I had made several purchases over a week before on XX/XX/21. As far as my credit report there was nothing negative about my score or report that should lead to an account being terminated. In fact my credit score and history overall greatly improved since I obtained the Comentiy Card originally. Comenity essentially made a 'mistake ' and thought my account was inactive so they cleared the books before verifying the account was indeed not being used. This all occurred while I was actively shopping for a mortgage which impacted my score due to the closed account, loss of available credit, and as a result of the closure I was forced to pay my balance in full to avoid having a balance with XXXX available which would further damage my score. I brought this to the attention of Comenity on XX/XX/21 and was told nothing could be done but I could write a letter disputing the actions. I wrote a letter of dispute and was again told nothing could be done and they again reference inactivity and/or information in your credit report. I was unfairly targeted because of the incorrect status of 'inactive ' and otherwise my credit report would not have been reviewed, nor would the account have been touched.
Consumer complaint received 2020-12-04
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)

On XXXX I sent a letter regarding unknown and inaccurate things on my credit report. To date, over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored on my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately removing those items from my credit report. It has been a over 30days so they should be deleted promptly. I demand these items be deleted immediately or I will move forward with filing litigation due to stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.