davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

Hello i applied for a credit card on XX/XX/2018 and i was told to call a credit dept and i spoke to a young lady and she told me she had to call me back because my credit report had fraud alert on it and i never received a call back from barclays credit dept and i waited a hour and i called and they told me there systems are down around XXXX central time and i waited another hour and i called back and spoke to a fraud dept i was denied and they didnt give me a reason the customer rep was rude to me my application XXXX that is my number ... XXXX i was told the reason why i was denied because i had 5 other appications on file with barclays and i explain the fraud dept i didnt fill them out and i would have to wait 90 days to reapply and also i spoke to the credit dept again i was giving a different answer it beacuse i had too many new accounts open and i already closed all my loans down and paid all my account in full
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

On XX/XX/2020, XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX, XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtor 's creditor did not verify this Collection. Also, there was no written from of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debts and anybody can send a bill and say it's mines. According to the FCRA XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

We open an account and in an hour they closed and is holding my money the account was for business porpoises we deposited 2 checks now I have to wait until bank American wants to send my money when that money was for insurance and services for the business is long long wait didnt told me anything about this try to speak with customer service and cant explain what happened
Consumer complaint received 2019-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

XXXX years ago I missed a payment for my student loan. They didn't remind me or tell me that until I made up the arrears I would be charged a late fee. They never told me the whole amount owed so that I could catch up. I have been fighting with them, each time I paid what they said was the current amount owed they still said I had a late fee, even when I paid before it was due. I told them over and over again that I paid on time but they still said the payment was late. They never informed me that they were carrying the missed payment as an arrears and that all the payments after the missed payment would carry a late fee. Over and over again I asked why I was being charged a late fee ; they would never tell me. Finally, XXXX YEARS LATER one of the operators told me that I owed that payment from years before. Thus far I paid {$920.00} in late fees which did not go towards paying down the account. I believe they cheated me by way of omission. I could see if I hadn't asked over and over again about why I was being carried in arrears, but I asked them over and over again about straightening this account out but I believe they deliberately hid this from me. I took out the loan for {$7300.00} on XX/XX/99. I still owe {$6600.00}. I've paid over {$15000.00} which is more than twice what I borrowed.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

My name is XXXX XXXX and Wells Fargo is showing a charged off account on my credit file. I have never had a Wells Fargo account that went into charge off. I was only an authorized user and at no time was I responsible for this thing. It is showing on my report as that I am a cosigner and I AM NOT a cosigner.
Consumer complaint received 2019-03-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MI)

I am a co-signer on the Private loan that my daughter has. On XX/XX/XXXX, I informed them that I am unable to pay on her account due to having to pay over XXXX a month myself in student loans and have asked them to grant her a forbearance for more than what they are saying. 

On XX/XX/XXXX received another call and spoke with the customer service rep. and asked her to read the notes on the account stating that I can not pay. She became rude and asked why and I unwilling to pay. I asked to speak to her supervisor. I told the supervisor my daughter can not pay and that I would like a 6 month forbearance on her account and to send me the paperwork to my email, she stated they can not do that and they can not mail the paperwork. I must first pay the {$50.00} to start the process and then I will get the policy in the mail. I stated I am not going to pay for something before reading the document as to what I was agreeing to. How can a company force you to pay for a forbearance first and not know what the terms are only going by what the representative is telling you. I refused to pay them anything without reading what I am agreeing to. 

No one should have to blindly agree and pay for anything. This is the first rule we are taught as consumers never give any company money without reading the fine print.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give
Consumer complaint received 2021-07-06
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: Experian Information Solutions Inc. (LA)

This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX- UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT Public Records-XXXX  NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, XXXX XXXX
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE. This is hurting my chances of moving into a new place.
Consumer complaint received 2019-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (GA)

In XXXX, I was victim of deceptive phone scam and gave away {$10000.00} dollar worth of gift cards to the scammers. Credit card company said they cant do anything for me because I was the one to make those transactions. Could anybody help me get my money back? Or at least part of it? I would appreciate any advice or help. Thank you.
Consumer complaint received 2021-09-10
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. (NC)

I have file 609 disputes with each of the three bureaus asking for debt verification on all collections in the form of writing and certified Mail asking for information on any collections along with two different documents providing my identification I have not received any information all I have received was a email saying the unverified debt was correct information I dont understand how they can investigate without me seeing any information when the law clearly states to report off information in writing if not remove the collections they are not verified
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

THIS ON GOING INVESTIGATION WAS WHEN ALL XXXX CREDIT VENDORS SAID I HIRED XXXX TO HANDLE MY PAYMENT AFFAIRS WHICH I DID NOT. MY CARDS WERE IN GOOD STANDING AND UP TO DATE WITH PAYMENTS AND AN ACCEPTABLE CREDIT SCORE. THEY ASKED FOR PROOF I DID NOT HIRE XXXX XXXX AND CANCELLED ALL SERVICES XXXX SAID i HIRED THEM FOR. BUT NO PROOF OF PAYMENT TO XXXX WAS GIVING NO PROOF I HIRED XXXX XXXX AT ALL BUT THE CREDIT VENDORS REPORTED MY POAYMENTS AS LATE AND CANCELLED ALL CARDS AND ACCTS. IN TURN MESSING MY CREDIT SCORE WAY BAD. IT'S IN THE LOW XXXX 'S RIGHT NOW AND I'M STILL MAKING ABOVE MIN PAYMENTS AND STILL KEEPING MY END STRAIGHT AND YET MY CREDIT SCORE REMAINS BAD. I AM WITH SECTION 8 FEDERAL HOSUING AND I CAN NOT KEEP AN APARTMENT WITH BAD CREDIT. SEC 8 ONLY GIVES PEOPLE ONE SHOT AT A PLACE TO LIVE ONLY ONCE. NO SECOND CHANCES. I WANT MY CREDIT SCORE TO RETURN TO GOOD AND FOR ALL CREDIT VENDORS TO HONOR THEIR PAYMENT PROGRAMS I HAVE ENTERED IN TO TO PAY ALL THESE BALANCES OFF. I HAVE PROOF OF CANCELLATION LETTER FOR XXXX XXXX EVEN THOUGH I NEVER HIRED THEM AND I'V E GOT BANK STATEMENTS SHOWING MY PAYMENT HISTORY BEING IN THE GOOD WITH ALL CREDITORS. I ALSO HAVE EMAILS OF XXXX  XXXX THREATENING ME ABOUT LATE PAYMENTS WHEN I WASN'T LATE. THEY'VE ALSO GOT ME CHARGED WITH XXXX XXXX INTERESTS AND I DON'T HAVE XXXX XXXX I'V E GOT PROOF OF THAT TOO.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

I setup an XXXX though XXXX XXXX in XX/XX/XXXX and set them up as my registered agent. I paid the due amount in full. At the point was there ever a notification that a yearly recurring charge will be posted for registered agent. At no poont did I request or authorize these charges. Receivel a collection letter this month. 

1 ) no notification of yearly charge of {$170.00} for RA 2 ) price increase without notice - it has ballooned to {$390.00} 3 ) adding charges for additional services not requested or needed. as part of their fee justification- they added a " legal form '' service 4 ) XX/XX/XXXXis no longer my registered agent I CalledXX/XX/XXXX today and after nearly 1 hr run around - was transferred to a " retention specialist '' that offered to settle the manner for XXXX. They state they emailed customer price increase from XXXX to XXXX but I archive all emails and not notification was ever sent. 
Emailed and faxed collection agency disputing this debt.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

Citbank credit card randomly changes the Monthly card closing date. This was NOT disclosed upfront. As a consumer, the billing cycle changes anywhere from 3 - 5 days after bill is paid. As a result, hardship on managing the monthly payments. All major credit cards should close with the same date which is at the end of the month.
Consumer complaint received 2017-11-20
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

On XX/XX/XXXX, I sent an initial dispute to Chexsystems to verify the accounts listed on my report. Included in their results was an account from XXXX XXXX XXXX showing that I owe {$880.00}, however, they did not send any documentation the validate this claim. The letter simply states " They have also informed us that additional negative activity took place increasing the balance to {$880.00} at the time of charge off. '' On XX/XX/XXXX, I sent a follow-up letter to Chexsystems asking them for the documentation supporting that statement. On XX/XX/XXXX, I received a response from them. Once again, they failed to provide proof of this alleged {$880.00} debt. Please delete this account from my report, as Chexsystems is in violation of Section 611 of the FCRA which states unverifiable or inaccurate information must be deleted from that file of the consumer. Thank you.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mr. Cooper Group Inc. (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (CT)

Dear CFPB Office of the Ombudsman : My student loan servicer NELNET who services federal student loans to the credit agencies XXXX, XXXX XXXX, XXXX may have violated the Fair Credit Reporting Act and other credit reporting laws. 

There is reason to believe that the loans serviced by Nelnet where not properly serviced or reported based on the following occurrences. 

Reported Timeline ( historical ) data removed No data credit reporting Reported balances after consolidation XX/XX/XXXX Incorrect address reported ( XX/XX/XXXX ) I understand that any inaccuracy including material inaccuracies may be grounds for injury-in-fact and other harm. The data furnisher NELNET and the credit bureaus XXXX, XXXX XXXX and XXXX  blame the data furnisher for the reporting inaccuracies and or credit redactions. 

I am requesting an audit of the reporting history of fifteen federal student loan accounts held by Nelnet, and the three credit bureaus update their records according to the complete account history ; ( XXXX ), that includes all historical data, date opened, and historical timeline, and the loans are paid and consolidated. 

The loans have been consolidated XX/XX/XXXX to a different servicer. 

Customer service representatives at Nelnet said to me that disputing information to the credit bureau will cause credit score decreases because they will respond that the information was frivolous and accurate. This also indicated to me problems with the servicers dispute and resolution process and what procedures they use in cases of disputed accuracy and my rights under Federal law including the Fair Credit Reporting Act. 

I am asking the Ombudsman to investigate credit reporting activities by the servicer NELNET and audit of the credit reporting history from Nelnet. I have scanned copies of the credit report from XXXX to show the reported timeline. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (IL)

Prior to XX/XX/XXXX I had never heard of XXXX XXXX. I never had any communication from XXXX XXXX. I certainly had never signed anything with or from XXXX XXXX. 

I have no knowledge of any alleged account with XXXX XXXX. Period. 

1. XX/XX/XXXX - I received a dunning letter from XXXX XXXX, XXXX. 

2. XX/XX/XXXX - I responded to the above letter with a dispute/please validate letter to XXXX XXXX, XXXX and included a copy of their dunning letter. 

I received no response. 

3. XX/XX/XXXX - I sent a dispute/please validate letter directly to XXXX. 

I received no response. 

4. XX/XX/XXXX - I noticed a new collection account on my credit reports. It was XXXX XXXX reporting as a New Account Original Creditor XXXX ( remark : at least 120 days or more past due ) on my XXXX credit report, New Account XXXX XXXX  XXXX ( no remark ) on my XXXX  credit report and Collections Account XXXX XXXX XXXXXXXX on my XXXX  credit report. 

XXXX had also been using the title XXXX XXXX to describe themselves on my credit reports. 

5. XX/XX/XXXX - I again sent XXXX XXXX a dispute/please validate letter. I also informed them that I noticed them on my credit reports and described their reporting. 

Again, I received no response. 

6. XX/XX/XXXX I disputed the XXXX XXXX accounts directly with XXXX, XXXX and XXXX using XXXX XXXX direct dispute function and the credit bureaus online dispute functions. 

7. XX/XX/XXXX I received an alert from XXXX XXXX. I signed into my XXXX XXXX account and noticed XXXX XXXX had inserted new collection reporting on my XXXX credit report which dropped my credit score 56 points ( according to XXXX XXXX ). 

8. While I am waiting for the credit bureaus to investigate number 7, I have ordered hard copies of my credit reports to see what is being reported to the credit bureaus by XXXX XXXX  that dropped my XXXX score by such an enormous amount.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX XXXX  XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.
Consumer complaint received 2019-03-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Data Systems (SC)

An account opened with XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX for the amount of {$260.00} has no reason to be listed on my report. This is not a debt owed by me and I wish for it to be removed from my credit report for it is damaging score.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NC)

I Received alert from XXXX XXXX this bank Syncb/XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX was running my credit report on XXXX/XXXX/XXXX I did not apply for credit on this day nor with this store if I apply for credit I always apply in person at the stores I have an open account with this bank that I applied in person at the store as I was advised to never give personal information on the phone nor the internet unless I know the company and have verified the security of my information. I called this company to complaine and dispute the Application I was told that i have 2 pending applications the represenitive said he put in the the dispute but it would take up to 60-90 days to clear it up if they could verify fraud I found this to be very unprofessional as it only took them a few minutes to check my credit ( I saw them on my credit report ) As I explainened to the Represenitive for the bank I do not want nor did i apply for a credit card for this store I requested them to remove this application and not give me a card for XXXX XXXX.
Consumer complaint received 2015-08-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have contacted Bank of America since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request.