davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

American Education Services, has not allowed me to reduce my payments, release my cosigner, temporary postpone my payments, or make my payments online. Ive been told that I have exhausted my forbearance options, when I still have years of payments to make. Ive also been told that I can't release my co signer since I've used forbearance on my loan. I also can no longer make my payments online, I can only send payments through the mail, which will cause my loans to be late, causing them to contact my cosigner and send letters as well. They have given me no options or breaks, and I think this is completely unfair. Ive paid well over the amount I owe in interest alone.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I was charged {$470.00} for a hotel booking in XXXX that I did not book, especially when in fact I live in the United States and dont plan on leaving the country anytime soon. I filed a claim with Wells Fargo and they provided me a temporary credit yesterday XXXX/XXXX/2022, however I woke up to see the credit removed with no explanation on my account. I began to try to get some reasoning as to why this happened however I have been unsuccessful, I am now looking to appeal or file another which would be a tedious process.
Consumer complaint received 2020-01-25
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-08-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

A few days ago I place a disputing with XXXX  and Experian into regards of the inaccurate recording of a student loan from Department of Education/ XXXX on my credit report. Due to my XXXX  XXXX, by law I am entitled to student loan forgiveness in which the account was reported in accurately in our request for its removal. During the process of the dispute a remark was added which lowered my credit score by 22 points. A dispute should not lower your credit score nor remarks should be added to their credit report which hurts your credit report. I havent missed any payments of such to hurt my credit report in the first place. A remark shouldnt be used as a tatic to hurt ones credit score during a process of a dispute. I work hard to maintain my credit score and to use this method to add a remark to lower your credit score because of a dispute is unfair to the consumer.
Consumer complaint received 2021-06-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I sent XXXX, XXXX  and Equifax a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal 609 dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (FL)

This company is fraudulent and there affiliates. I WILL NEVER PAY THIS COMPANY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I was 100 percent gurranted by the woman on the phone I would not be charged. They will only be seeing if I qualify. Months later I receive a hit to my credit for an unpaid amount owed to them. How is this possible, I pay 100 percent of my bills and credit on time. I reached out to the company in XXXX the lady laughed at me and said oh it is what it is. There accounting team does not answer the phone as well as Ive disputed this with XXXX multiple times, this is fraud, I did not authorize or approve to be charged by the shady company!!!
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX 1904 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX AUTO XXXX XXXX Balance {$2600.00} XXXX XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX, XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX : XXXX XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Balance {$470.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX XXXXX Balance {$450.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 1904 XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX LAKE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} CAPITAL XXXX AXXXX XXXX  XXXXX Balance {$2600.00} XXXX XXXXXXXX  XXXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXXX Balance {$600.00} XXXX XXXX XXXX XXXXX Balance {$2100.00} AD XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXX Balance {$470.00} XXXX XXXX XXXX XXXXX Balance {$250.00}
Consumer complaint received 2020-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for a Citi credit card on XX/XX/XXXX and I was rejected. When the denial letter came in the mail, the reason presented was, " The credit privileges on your existing account ( s ) are currently restricted. '' I tried to ascertain why my privileges were restricted, considering I was a long-time Citi customer from XXXX to XXXX. I contacted the Citi Reconsideration team and the Citi Executive Response team ( both by mail and over the phone ), and they would not provide any additional information why my privileges were restricted. Furthermore, they added that the application was rejected due to Citi 's internal guidelines and not due to the information on my credit report because I have excellent credit. At every turn, Citi has not been transparent with why the bank rejected me for a Citi card, especially since I was a long-term Citi customer with an excellent relationship and history. This lack of transparency and malicious behavior is unfair and could potentially constitute a violation of the Equal Credit Opportunity Act, and would therefore be illegal. 

Citi Reference number XXXX Application ID XXXX Citi Premier Card Applied on XX/XX/XXXX 2020
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I have been in contact with my insurance provider who confirmed the debt was paid in full. I have also been in contact with the debt collector ( Wakefield & Associates ) who also confirmed the amount was paid in full and they would update my credit report. The debt collector is refusing to update my credit report to reflect the account was paid in full.
Consumer complaint received 2021-08-20
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 — Investigation took more than 30 days
Company: Receivables Performance Management, LLC (CA)

I am having problem with a collection agency so I am hoping you will be able to help me with this matter. I received a notice from Receivables Performance Management. So I called them asking for a validation of debt, the representative informed me they don't have a validation of debt they just have " notes '' so they cant mail anything. How is the possible? How can they try to charge me and report on my credit if they dont even know who the debt is for? It a simple request if they are on the up & up about things but it seems to me they are just trying to get money from people with no leg to stand on. I will not pay anything until I get a validation of debt from them. I would be crazy just to send money just because someone is sayin I owe them but cant prove the debt. All im asking for is proof of the debt so I can settle if I need to. If they cant prove the debt then it need to be remove from all my reports
Consumer complaint received 2021-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (CO)

I have dealt with Morgan Stanley Private Bank on numerous occasions. They charged me for insurance that I didn't need and have fought for years to correct it. I actually had someone tell me that I can't fix that because we didn't service the loan at that time even though MS via XXXX serviced the loan. I've had numerous phone calls lasting more than an hour trying to explain the situation to get it corrected and every time I call its like starting over. I have been told on at least 6 occasions a MSPB supervisor will call me back and have never once had anyone call me back. I requested a simple document three times and was told repeatedly it will be to you in 24-48 hours. Its a week later and it is holding up a refinance that I am doing. Are they doing it on purpose so I can not refinance? The service people do not have the ability to transfer you to a supervisor. Entire departments don't take phone calls. No one will accept responsibility to take care of their customers.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TN)

I signed up for the XXXX Citi credit card and in store I used my name of XXXX XXXX, Citi took this even though they had my full SSN and I'm an existing account holder and made a new backend profile for me. I found this out today when I tried to activate my card and it's forcing me to make a new account. I called in and their phone system is terrible and I got bounced around several times before getting someone. They informed me that Citi needs documentation of my name on a legal form of ID. I was offered to send this information via the XXXX mail or via fax. I denied fax due to it is fundamentally insecure and can not provide encryption as well as the post office where there is only a law protecting me, but someone can still sniff my mail. Neither of these methods can guarantee encryption of my data in the security of it. I offered multiple times to send a secure email to use the city document, upload center or any other method to where I can guarantee encryption of my data and Citi outright refused stating " policy ''. 

XXXX XXXX : XXXX
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified inquiry listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove this inquiry completely from my Credit Report : XXXX XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This past week a check was returned to me by bank of america thennnnnnnnn they told me it was counterfeit and thennnnnnnn they told me they are reporting me so i can not get a bank account anywhereeeeeeeeeeee!!!!!!!!!!! I received a mystery shoppers check and did notttttttttttttttttttt use any money from it even tho bao sent me info that funds were available! I knew it was too good to be true!!!!!!!!!!! Anyway i have 3 head injuries and i send my XXXX govt treasury checks to my boyfriend in XXXX as i can not do math and i use a credit card that heeee pays every month-nowwwwwwwww i did notttttt receive my ssi check for may because bank of america closed my account without even asking me what happened and sent a letter telling me i will be reported to others so i can not get an account elewhere either ( i thoughttttttttt one was innocent until proven guilty!!!!!!!! ) I received check via usps-i did not make the check!!!!!!! Anyyyyyyyy bank should work with theirs customers to stop crime-i did notttttttttttttt make this check i thought it was real obviously or i would not have signed it!!!!!!!!!!!!!!! i was going to be a nun and can not believe being treated like a criminal with noooooo questions asked!!!!!!!! Sinceerely me XXXX!
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent many requests and disputes to PORTFOLIO RECOVERY ASSOCIATES about the date entered in reference to an account that I opened with XXXX XXXX in XXXX of XXXX. I have requested proof of the account and disputed this account more than XXXX with experian and to no avail. They have illegally re-aged my account reporting that it was opened on XX/XX/XXXX. This is false and they have failed to correct after many requests. With this XXXX XXXX year re-age gap this account would be removed from my credit account because of the 7 year law. Please assist in having this debt buyer uphold the consumer laws and fix the information being reported to the credit bureaus.
Consumer complaint received 2023-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed COMENITY CAPITAL BANK/THE and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2020-01-26
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: Experian Information Solutions Inc. (NY)

Experian denied my application for a loan from XXXX  XXXX XXXX  for an XXXX. I believe the denial was XXXX, based solely on my last name being XXXX. I have a high six-figure come - my wife, with whom I share all my accounts, was able to get the loan approved using the exact same credit card, despite not having worked for 7 years. Her name is listed as my wife on the expedan data base. My credit score is XXXX. The only difference in the 2 applications was my XXXX name.
Consumer complaint received 2020-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have an account XXXX  on my credit report which was paid of leaving the balance under {$50.00} I sent proof and it was deleted Now with no warning it has been added with out any notification back on my report which is not by the rules Here are the copies of it being deleted by transunion by cpfb last complaint now it's back