davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NJ)

This complaint is against Commenity Bank - and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. 

Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. 

As per FCRA - they must be complete - and then accurate. My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. 

Imaging if - your kid came home with a report card, and - there is no name, then there is no scare, the semester is never identified - is it real? 

Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. 

The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. 

Your reporting on mine - and as listed isn't complete and/accurate. 


XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account ( s ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? ( nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? 
XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. 

As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. 


XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX ( CLOSED XXXX XXXX. XXXX ( CLOSED ) XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX XXXX XXXX ( CLOSED ) Attachments are provided for your convenience, and from XXXX. 

While they are not all - all of your tradelines look exactly, the same. 

This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA XXXX is tied specifically to the consumer right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. 

Please fix your tradelines - or delete them all, and from each CRA.
Consumer complaint received 2018-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (GA)

I have purchase XXXX XXXX XXXX after trying move money around I found I could not meet they terms of the deal. I pointed out after 3 day I could not meet they term. So I brought the back to the truck and the paper work and keys.The company had promise me that would put a back cover on the truck which did not happen. That did not happen causing a problems between us. Now they it on my credit report barring me from obtain another vehicle
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX
Consumer complaint received 2021-01-05
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: EQUIFAX, INC. (IL)

I contacted XXXX XXXX XXXX, a debt reported by XXXX XXXX XXXX. I spoke with XXXX, the assistant manager, and she told me they can't find anything with my information in their records for XXXX XXXX for any evictions. She said the corporate office reached out to her about my time there and they couldn't locate any information about an eviction.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This is going to be a long dissertation, so I will try to be brief but to the point. On XX/XX/XXXX, {$84000.00} was wire transferred out of my daughters saving account at Wells Fargo. This was unauthorized and bypassed all of our account safety methodologies available to us by Wells Fargo. 

Our computers were not " hacked '', we still had possession of our ATM / Credit Cards, etc.

{$60000.00} was able to be " stopped '' and returned. {$24000.00} ( that is the outstanding issue ) was transferred to a XXXX XXXX XXXX account and was closed before Wells Fargo was able to pull it back. 

Now the issue, Since the XXXX, I have talked to 8 different people, untold phone transfers, being told I got the wrong department, claim # 's were wrong and being hung up on. 

Now today, XX/XX/23, I got another new person and another " new '' claim number and was told the " dispute '' was pending and going to take another 10 days before there was any disposition. 

I need help
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

Hello, I had a credit alert on my XXXX XXXXXXXX account. 
A company called XXXX XXXX XXXX did a hard inquiries on me and was done on XX/XX/XXXX. I have never opened account with this company at all. It states it will be removed from my account in XX/XX/XXXX. It has brought my credit score lower. I want this XXXX XXXX XXXX taken off my account.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have tried and tried to create an account with Equifax to no avail and I checked with XXXX XXXX and saw that there is no history of credit but my XXXX  does. Is there any way I can sign up online to view my credit reports or be sent my credit reports? I am in need to see it due to lending purposes. I called and no one was able to help me about this situation. Please assist.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have reach out to handle the incorrect inquiries on my credit report with Transunion. The company had a credit inquiry reporting situation which has affect my report. The report does n't meet the requirements of the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-02-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eagle Accounts Group, Inc. (FL)

I 've disputed child support enforcement account # XXXX going on 5 times before, I 've provide full official documentation from my county clerks office, the official account history keeper, showing every payment I 've made since XX/XX/XXXX-XX/XX/XXXX without missing a single payment since the day I was ordered to begin paying child support, XXXX and XXXX, have fixed the account listed above accordingly and in my favor since I have proof, XXXX seems to not care about my proof and has failed to fix this issue. There response is always we are working on it or the documentation you 've provided is not sufficient, how ca n't it not be sufficient when it comes straight from the XXXX county Clerks Office. Please help, I 've attached complete 7 year history of payments from day 1 till now, plus a separate month statement XX/XX/XXXX to be exact, according to XXXX I failed to pay on that month, and lastly a couple transcripts from web chats with child support agents, where I clearly state my case with them about this error and they acknowledge no delinquencies on my account. Thanks
Consumer complaint received 2018-03-31
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: U.S. BANCORP (CA)

I applied for the US Bank Cash + Rewards Visa credit card in XX/XX/2017 through a promotional link on US Bank 's website -- the information for the promotion was to receive {$150.00} bonus after spending over {$500.00} with the card in the first 90 days. I was approved for the card, it was mailed to me, and I used it well beyond the required spending amount to receive the promotion. I waited the appropriate amount of time before requesting information about the promotional bonus, and when I did request why my bonus was not applied to my account, I was given different information by different people, and finally when speaking with someone in a supervisory position over the phone I was informed that I would need to ''submit proof '' of the promotion I had applied for to a postal address or via email. I did inform them that there was no physical paper trail as this was an online application, and the only information I could provide was the link that I clicked through on the promotional offer page on their website ( please see attached screenshot ). US bank agreed that I had indeed followed all correct steps for the terms of that promotion, but continued to insist that I provide proof to them that I had applied for the promotion in the first place. I have spoken with them a number of times over the phone, emailed them, and am still getting this insistence that I should have ''paper records '' of an application that was made 100 % online, and they are even responding to my requests via postal mail with this same story. I have requested that someone escalate this and look into my actual account, and they have stated they will ''work on it and contact me '' and I have had no response other than the same request for ''paper records '' to be faxed or mailed to them. I would not have applied for this card outside of the promotional offer, and US Bank have absolutely taken advantage of me with false advertising for a bonus they refuse to grant -- they will not work with me on this and will not provide any further information to me about why. This company is operating under false advertising and are scamming customers into applying for products they do not want or need!
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

I have a debt from   XXXX   XXXX   for {$1400.00} that was dismissed in Bankruptcy on  XX/XX/XXXX .
 XXXX  has added this debt back to my credit report every six months since  XX/XX/XXXX . I have requested removal and sent bankruptcy documents 7 times to  XXXX . They remove it and then add it back a month later. They have done this 7 times since  XX/XX/XXXX .
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it.
I disputed this on  XX/XX/XXXX  and they removed it I disputed this on XX/XX/XXXX  and they added a note but did not remove it.
The balance was discharged in Bankruptcy and   XXXX    should be prosecuted for adding thi  s debt illegally back to my credit report numerous times.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bridgecrest Acceptance Corporation (GA)

I have a car through XXXXXXXX XXXX and their credit company bridgecrest. I am trying to refinance the loan ( which is still a high ridiculous amount ) and the refinance company says my cat isn't on any of my credit reports.
Consumer complaint received 2021-08-09
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. (NY)

Payments have never been late on my report it said late in XXXX and XXXX XXXX set up an auto payment to come out my account via a hardship relief program covid 19 and I have screen shot proven and they let my account slip the cracks and its unfair to me as a customer. I called XXXX and they assured me my account was ok and my credit report will not be affected. Now look!
Consumer complaint received 2018-03-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I sent an email to our account relationship manager, XXXX XXXX, on XX/XX/XXXX requesting a copy of the amortization schedule that matches the amortization table in the loan modification schedule on page 9. Per the loan amortization schedule and mortgage account statement, principal balance is {$570000.00}. The table in the loan modification on page 9, principal balance is {$530000.00} from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/XXXX, I entered into an agreement with a website builder, to have a XXXX website built and delivered to me by XX/XX/XXXX. I made two payments with my TD Bank XXXX credit card for a total of {$1100.00}. After I made my final payment, and the site was partially turned over to me aroundXX/XX/XXXX, I realized that the site built was not the site I contracted for, per the written agreement with the website builder. I emailed to the Website builder that I did not receive the site that was contracted to be built, in the time frame that was specified in the contract. I requested to cancel the agreement and receive a refund, as the site built did not meet my needs. I was unable to use the website, and faced the added expense of building a XXXX  website, at an additional cost. The website builder in his reply email, acknowledge that he had built a site that he was not contracted to build, but refused to return my {$1100.00}. I filed a claim with TD Bank XXXX department. OnXX/XX/XXXX, I sent TD Bank all of the evidence to support my claim and they issued me a provisional credit of {$1100.00}. On XX/XX/XXXX, TD Bank sent me a response from the website builder and asked me to provide further information that the site built was not per our agreement. I had already provided all of this information in my initial package I sent to TD Bank. They requested that my response should be byXX/XX/XXXX. This second request from TD Bank was not dated, but there was a postmark date on the envelope of XX/XX/XXXX. I received the letter late evening of XX/XX/XXXX. I called TD BANK on the morning ofXX/XX/XXXX, to let them know that I was mailing my response back that day, since the letter was received late. The representative advised me to go ahead and mail the information and she would note my account that the letter was received after the deadline date. I also took a copy of the entire package to my local TD Bank branch to be faxed on XX/XX/XXXX.

To my surprise TD Bank had already closed the case on XX/XX/XXXX, even before I had received their request for information. They released the {$1100.00} to the website builder. This information was later verified when I received a statement from TD bank, which indicated that on XX/XX/XXXX they had re-posted the charge of {$1100.00} to my account.

I followed up with certified letters and phone calls to TD Bank, to no avail. In turn they sent me a letter stating that services were provided by the website builder. Which is totally false. I have all of the emails from the website builder acknowledging that the site built was not the agreed upon site. I ended up having to pay {$1100.00} to TD bank plus interest for a site that I was not able to use.
Consumer complaint received 2018-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

I graduated XXXX school in XX/XX/XXXXand finished residency in XX/XX/XXXX. My student loans came due before I finished so I had to consolidate because otherwise our monthly cash flow would be unsustainable. The original amount was ~ {$110000.00} and the interest rate was ~6 % which was the weighted average of the interest rates of all the individual loans I initially signed. I signed up for auto pay and received a slightly lower interest rate ( 5.75 % ) and a {$4000.00} onetime bonus. At that time, the holder of the loans was XXXX XXXX ( I believe ) who then sold it to XXXX  who held them for about 12 years. The consolidated payment was $ XXXX/month but I began paying {$770.00} in an effort to reduce the principal. More recently, XXXX sold the loans to Nelnet and my first monthly statement from them showed my minimum monthly payment was {$770.00}. This alarmed me because I wanted to insure that the extra $ XXXX/month was credited to the principal to keep paying it down. I called Nelnet about the change and was reassured that the actual monthly payment due was still {$660.00} and that my extra payment was going to the principal. Just today however, I contacted a lender about refinancing one of my houses and during the information gathering, he told me ( while looking online at my credit score, loans and other financial obligations ) that the Nelnet loans ( I was unaware that there were actually 2 loans since I have only been making 1 payment the entire time ) had an interest rate of 7.4 %!! None of my individual, original loans had an interest rate this high! I've been making steady payments for over 15 years and have never missed a payment. I realize that amortization loans have high upfront interest payments but my outstanding balance of {$74000.00} still seems like an enormous amount given the fact that I've been making $ 101/month extra principal payments for over 5 years. I'm so upset and feel like I've been cheated by XXXX or Nelnet and didn't know where else to turn. The lender with whom I was speaking told me about CFPB so I'm reaching out to see if I can get clarity on this issue. I want to believe in organizational integrity and the general honor of mankind so I hope this is just a misunderstanding on my part. My fear is that my payment of {$770.00} was adopted by Nelnet as the minimum amount and that the interest rate was altered to extrapolate that over the term. Any clarity on these matters would be so welcome and would really bring peace to my heart.
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion File # XXXX XX/XX/2018 Transunion has Club Subscription Activity on my file as XXXX XXXX XXXX XXXX and I have never requested and opt out of promotional as well I never applied or requested XXXX XXXX XXXX. Please provide documents of such with my name and signature as stated on my credit file by TransUnion
Consumer complaint received 2018-03-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I have been a customer of BEST BUY for years. They issue a credit card from CITI BANK. On or about of XX/XX/XXXX. of last year I had an unsatisfactory experience with BEST BUY and refused to pay the credit card. I was unable to reach BEST BUY. I began receiving ROBOCALLS from CITI BANK these were a not a very clever violation of the law. They would call and let the phone ring once and hang up. The idea was that I would then call them. I spoke to them twice trying to convey my complaint. The only interest they had was when was going to pay. The calls occurred once a day for 30days, then began happening twice a day. I sent several letters to both of them with no response. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-28
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capstone Credit & Collection, LLC. (FL)

I called CapStone collections a representative named XXXX XXXX answers the phone, I told him I think this account does not belong to me and that I have a police report, he said that I was a lair and that he do n't believe anything I say, that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and the only way to get it fix was me paying the whole amount that they do n't do payment plans to stop calling them and he hung up on me twice. 

This is very upsetting, I do n't even think they are a local or a real collection agency, now every time I called he is the only one who answers the phone and he keeps hanging the phone. 

Please help me with this matter I do n't think they are fallowing the collection laws and I feel discriminated and harassed by this company and indivivual.
Consumer complaint received 2023-01-28
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.