davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

My issue is with Comenity Bank - Points Power XXXX : I STOPPED receiving invoices by both e-mail and in the US Mail for several months back in the summer & fall of XXXX. ( We had moved but I registered my new address with them. ) I finally received an invoice for a {$70.00} purchase I'd made ( my last purchase on the XXXX card ), but the invoice came late & so my payment was received 1 day late on XXXX XXXX, XXXX ( it was due by XX/XX/XXXX ). I got the next invoice that showed a {$28.00} late fee & {$2.00} interest charge. I wrote a note on that invoice explaining that the prior invoice had come to me late, so I shouldn't be charged the interest & late fee. But another invoice showed yet another late fee & interest. On XX/XX/XXXX, I called & spoke to a woman at Comenity ( I didnt get her name ) who said the best thing to do was to cancel my card & that would be the end of it & I wouldn't receive more invoices. She said she cancelled my card. ( In a phone conversation yesterday, XX/XX/XXXX, Comenity said that my card was indeed closed on XXXX XXXX, XXXX. ) But I DID get more invoices with additional late & interest fees. So, On XXXX XXXX, XXXX, I wrote a short letter explaining my issue. I send it with Return Receipt Requested, & within about 2 weeks received the Return Receipt green postcard back, time-stamped XXXX XXXX, XXXX, & signed by XXXX XXXX XXXX 

Since then I have continued to receive additional monthly invoices with late & interest fees accruing, now up to {$260.00}. Yesterday, XX/XX/XXXX, I called Comenity and over 105 minutes was bounced through 5 people ( first is unknown name, then XXXX, XXXX, XXXX  & XXXX ; XXXX was in the Customer Care Dep't. ; I dont know the others ' dep'ts. ). The first 2 really didn't even understand the issue. Each of the next two routed my call to yet another person, & the fifth person was XXXX who said I should write a REGISTERED letter to Comenity. But I have little confidence that that will work, as they have basically ignored all my attempts to resolve this issue.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (SC)

XX/XX/XXXXXX/XX/XXXX : I disputed the amount owed because this company entered into an agreement with me that was to pay back a prior debt. 

Unaware that this company was charging $ XXXX/month fee for simply having an account. 

Disputed this issue iXX/XX/XXXX/XX/XX/XXXX and rather than attempt to resolve issue, company reported my payment as late to credit bureaus. 

From XX/XX/XXXX-XX/XX/XXXX, 0 late payments with exception of month in dispute. Company refused to remove delinquent payment from credit reportaccount and payment were not delinquent, simply in dispute. 

I believe the monthly charge of {$7.00} was fraudulent and I believe that the refusal to remove the late payment ( while disputing this charge ) was fraudulent.
Consumer complaint received 2019-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

Attention SERVICE RECOVERY TEAM XXXX XXXX XXXX PLEASE NOTE THAT I AM ADDING INFORMATION TO COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX I MADE A PHONE CALL TO FED LOAN SERVICING PHONE ON XX/XX/XXXX, AND SPOKE TO XXXX, ID  XXXX She informed me of my : Pay off age : XXXX yrs old Pay off amount : {XXXX0}, XXXX would not lose years paid into income based repayment plan prior. ( 6 years paid to XXXX would roll over to this plan ) General information to consider : I've made 13 years of loan payments total ... I paid $ XXXX month for 5 years ( XXXX ) before income based plan with XXXX XXXX XXXX I left XXXX in XXXX to seek a company that practiced ethics, which I thought was Fed Loan Servicing. 

In XXXX when I was applying for the loan, with Fed Loan Servicing I was told I would receive credit for the years I was on the income based plan prior Fed Loan Servicing by the person fed loan servicing gave that responsibility to. ( XXXX, ID  XXXX ) Now Im being told that I lost the 6 years that I paid into the income based plan because of the loan consolidation, which will cost me {$28000.00}. 

I chose Fed Loan Servicing because XXXX was not forthright in sending me a complete break down of my loan payments until I filed a formal complaint with Consumer Finance Protection, which took nearly year to resolve. 

No actual prospective payoff dates are given with the way the system is set up now, since borrowers must reapply for income based plans annually. Adding six years of payments to my existing program puts me into my mid 80s to complete this loan. ( a 35 year loan, with interest. 


Loan forgiveness plans are confusing and the borrows are told conflicting information concerning payments. I was told on two accounts that I must consolidate my loans in order to qualify. 

This results in large systemic ethical lapses, and consumers like myself are forced to be very proactive in rectifying poor lending practices, and lack of information given.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Avid Acceptance, LLC (CO)

We purchased a new Vehicle in XX/XX/XXXX and made our first Payment XX/XX/XXXX. We have a high interest rate so planned to pay extra to the principal as we could. The website for Avid acceptance states that to pay extra to the principal we just need to pay extra on the car payment and it will be applied to our principal balance. As the year has progressed I have kept track of my payments and the information posted on my statements. My base payment is {$320.00} monthly. XX/XX/XXXX I paid {$320.00} and from XXXX XXXX I paid {$350.00}, XXXX XXXX-XXXX XXXX  I paid {$400.00} each month. When I was reviewing my loan information in the hopes of refinancing for a lower interest rate my Principal balance did not seem to reflect any additional payments made. as I did the math to check if I was wrong, I found there is close to {$60.00} a month unaccounted for on any of my statements. 
When I called and spoke to a customer service representative at Avid Acceptance today he stated that my statement was generated on the XXXX or XXXX of the month and my payment was processed on the XXXX of the month, so, all those days between the statement and the payment I accrued interest which was taken out of the additional money I paid that was meant for principal. This money is not reflected anywhere on any of my statements and Directly opposes the policy listed on their website on how extra is to be paid to principal. When I asked why that 12-13 days of interest every month was not accounted for on my statements the customer service representative I spoke with only explained the same thing to me again. this cycle happened 4 times before I finally gave up trying to get a strait answer. 
Financially, I should be able to track every cent that I pay to this company with the statements they provide me, and It is clear that this is not occurring. Additionally, I have not had a statement generated in either XX/XX/XXXX or XX/XX/XXXX, according to the Customer Service representative that I spoke with this is because I am ahead of my payments?
Consumer complaint received 2023-01-11
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (LA)

I was making monthly payments to XXXX. I received a letter in the mail from General Revenue Corporation and immediately began making payments. This is the same account, XXXXXXXX XXXX. Ive never missed a payment. The new account holder calls me weeks after receiving the letter in the mail and the rep said if I dont pay the entire balance by XX/XX/XXXX then she will report it to the credit bureaus. The letter has options to make payments towards it. She even pulled up my payment that I first made. I didnt know the account was being transferred so I immediately made a payment to remain in good standing. I have made 3 payments toward the account since receiving the first letter and now its been reported before XX/XX/XXXX and without accepting my payments.
Consumer complaint received 2020-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This company put incomplete information on my credit report -XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, XXXX score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under XXXX but have not make good on it, and my information is being hacked but they have not done one thing about it.
Consumer complaint received 2022-04-06
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: Experian Information Solutions Inc. (AZ)

Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

Dear Consumer Financial Protection Bureau, I am trying to place a credit freeze with Experian, and I have been unable to do so. I had no similar difficulty doing the same with XXXX and XXXX 

I tried to do this online with Experian, but was unsuccessful. After being asked a number of questions, I was told they could not confirm my identity, and I was instructed to mail supporting documents. I did this a number of weeks ago, and thus far I have received no response. 

Initially, I thought I had answered the online questions incorrectly. However, I was able to successfully sign up separately for an account with Experian, and this account enabled me to see my credit report including previous addresses. One of the addresses they have on file for me is incorrect. ( It's a typo of a correct address. ) This was one of the questions that I was asked to verify my identify, so it is clear that what I thought was my error was likely actually their error. 

It is interesting to me, that while I have not been able to place a credit freeze with Experian, every time I log into my Experian account I get all kinds of credit monitoring offers. For example, evidently for $ XXXX/month I can " lock '' my credit, but nowhere that I can see, can I place the free credit freeze. I wonder why? 

I believe it is unacceptable that I should have so much difficulty in trying to protect my credit. I'm sure Experian would make some excuse about protecting against nefarious intent here, by placing a credit freeze. But I be willing to bet the data does not support this, and the overwhelming problem case is identify theft. Rather, it seems clear to me that these companies are engaged in consumer abuse. They maximize profits, by avoiding the costs of adequate computer security, then after they lose our data, they attempt to sell us credit monitoring services. ( It's remarkable that these companies have some of the poorest password policies I have seen ; Try choosing a longer password. ) Frankly, it's amazing. 

Thank you for your help.
Consumer complaint received 2023-01-11
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NH)

I have opened my XXXX card after talking to XXXX marketing rep in XX/XX/XXXX. I was told that I will get XXXX  points as a welcome bonus. Again calling multiple times was told will get my points in XX/XX/XXXX billing statement. The rep even told me that you are eligible after 3 years as I had this card before. She insisted if I spend {$5000.00} then they will offer me another XXXX points, in total XXXX points. When called in XX/XX/XXXX they stated i am ineligible as i had the card in the past. I explained my situation and they promise to investigate and compensate me but till date after 4 weeks there is no resolution. I felt this is a shady business practice to lure customers and have them spend money. They only told me after 4 months of XXXX money spent. The company made its profit by getting the spending and through interest. So far I paid about {$500.00} in interests. I have called them several times and they still say that they are investigating the call details. If I was not misguided by customer relations I could have opened other competitive hotel cards which would have rewarded me welcome bonus. Talking to customer service is like asking for their kidney, they are unable to accept their own customer agents mistake and honor my points. I would not recommend anybody for this card.
Consumer complaint received 2017-09-16
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. (FL)

The unverified items ( two accounts ) remain in my credit report in violation of federal law.you ( Experian ) are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
Experian does not provide me a copy of any original documentation require under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) A CONSUMER CONTRACT WITH MY SIGNATURE ON IT
Consumer complaint received 2019-11-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C. (WI)

XX/XX/XXXX We had debt collection going on heavily since I, XXXX XXXX Lost my job due to absence from severe sudden XXXX resulting from illness. One income ( XXXX ) was not enough to pay the bills. We were garnished to the max, didn't know that we could fight it. The kicker was that the debts would be passed around after I would write the judge to let them know that I have to eat at church and get baskets from various food pantries to make it but I had XX/XX/XXXXand I was ill, couldn't keep up ... so I asked for it to end. ( this was from XXXX - XXXX ) The judge ended it - and only then in XXXX did we realize that KOHN law firm [ who was very very very horrible mannered when we asked for reduction or for them to stop on our own ] Over-garnished monies by far.. They sent us the over-payment sheet XXXX XXXX XXXX did The Amount of payment was XXXX. The judgement was XXXX. 

We paid them XXXX, XXXX The Judgement XXXX Owed to XXXX XXXX I remain very ill but I am finally able to stay home long enough to get through some of these things that have been weighing me down. I have a home to save. This company has since garnished XXXX check and did so just a few months ago. Rather than use the access funds, they took more. I was struck suddenly with such severe XXXX and illness. We are almost there as far as clearing debts without bankruptcy. We can't get anywhere with this company in this amount of time and it was impossible to file any sooner.
Consumer complaint received 2022-08-12
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

There are 3 hard inquiries on my reports from XXXX XXXX XXXX, Capital One, and XXXX. XXXX. On XX/XX/2022. I did not apply for any credit cards. I spoke with XXXX XXXX XXXX. The credit application has all my personal information but is using a different phone number and possible different address.
Consumer complaint received 2021-09-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 PORTFOLIO RECOVERY or XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX Dear Sir or Madam : As of XX/XX/2021 it is still displayed on all three of my credit report files, XXXX, XXXX XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on Portfolio Recovery or known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX with a balance of {$1400.00} and another alleged account {$230.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Consumer complaint received 2022-03-01
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Ive attempted to reason with the defendant regarding this debt, defendant repeatedly attend to collect my debt under fall and misleading information and representation. defendant failed to provide proof of the original creditor in the affidavit attached.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Podium Mortgage Capital LLC (OR)

I was notified first part of XXXX that my mortgage service did not receive payment for XXXX. 
i supplied them with proof, check image front and back, that it had indeed been processed by them. 20 some phone conversation with them and i has not been resolved. 
XXXX XXXX should be looked into for miss-management, incompetent handling of peoples money, and possibly fraud or money laundering. i don't know what's going on there but i have no way out and am XXXX.
Consumer complaint received 2023-01-11
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. (PA)

Experian is reporting a collection from XXXX ... .I have challenged the 100 % accurate reporting of this account as required by law for over a year and they keep stating that it is verified as accurate ... ..they are definitely not conducting a full and proper investigation and are violating my consumer rights ... XXXX and XXXX could not verify nor validate this supposed debt and deleted it over a year ago and i expect experian to follow suit,,, ,ii have attached aa document from XXXX stating that the amount owed is supposedly {$7000.00} and i ve attached experian reporting it as {$7000.00} ... there is a variation therefore this account is not reporting 100 % accurately as required by law...
Consumer complaint received 2023-01-11
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: Experian Information Solutions Inc. (TN)

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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