davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WI)

XXXX  refuses to investigate a dispute. I submitted disputes through their system and the information that I'm disputing is incorrect and needs to be fixed. When they completed their investigation the first time nothing was changed they claim that it was verified but upon calling them they didn't verify anything with the company and just repeated the same false information. So when I try to submit another dispute they block the dispute because they claim to have already investigated it. They have not done so and continue to block any effort to dispute the incorrect reporting that they are doing. There are five line items on my credit report that are false incorrect and not in negative status. Experian refuses to delete these items they continue to block any efforts and will not investigate anything. I need help to get these items removed from my credit report as they are false. Experian refuses to actually contact the individual companies to get the information to fix the problem. They claim that they have investigated it but they have not.
Consumer complaint received 2020-09-17
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. (IL)

The credit bureaus continue to report inaccurate items after there investigation. Im attaching my dispute letters with all of the information.
Consumer complaint received 2020-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WV)

Navient has denied my requests in the past to lower my payment to a manageable amount. They instead continue to request a deferment versus assisting me with this matter. I also applied for the Public Servant Forgiveness Program, in which Navient failed to act. I am a public servant and have been for 18 years.
Consumer complaint received 2021-09-14
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. (CA)

I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.
Consumer complaint received 2021-05-23
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. (GA)

For the last several months, I've been trying to get Experian to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.
Consumer complaint received 2021-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

After reviewing my credit profile XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete AS EXPENSES ARE NOT SPECIFIC AND ONLY DOCUMENTED AS CLEANING FEES. LATE CHARGES ARE NOT ACCURATE ACCORDING TO LEASE AGREEMENT AND DEPOSIT IS NOT INCLUDED IN THE ITEMIZATION THAT WAS PROVIDED and are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. As of XX/XX/XXXX I still have not received the complete requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has 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 accounts belong to me and all information is correct.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter including a signed settlement and release of claims to get an account that was agreed upon by the US COURTS to remove with payment of this account. Ive requested this 3 times and there has been no investigation, no communication. Please see attached documents.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXXXXX XXXX  IN Original creditor : XXXX XXXX {$200.00} Balance updated XX/XX/2021 i Never Open any Accounts with This Company This Account Is Fraudulent and its been Reported to my credit report i never open any accounts with this company and they are forcing me to paid them for something i never open with this company also been getting harassment phone calls from this dead collector and also fraudulent phone calls asking me to paid for this account i never open and also this collection account was place on my credit report Experian and XXXX and requested for the credit reporting agency to dispute this Fraudulent account from my credit file i want for this company to stop harassing me to paid for Disputed With XXXX Disputed with Experian Identity theft Account From Collection Agency
Consumer complaint received 2021-03-04
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I recently sent in a qualified written request for the payment history, a notice for request for information in regards to a closing that took place involving a reverse mortgage that my deceased mother took out on XXXX of a property. I sent the mortgage servicer documentation letting them know that only half of the property is encumbered due to fraud. I also ask the servicer to send me a payoff notice for the debt. According to the US postal records my letter was received on XX/XX/2021. 

I have neither received a response within 5 days as required by regulations governing qualified written request for information.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE...

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.
Consumer complaint received 2020-09-17
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. (IL)

I contacted the credit bureaus about inaccurate accounts on my credit reports. They claimed they investigated the problem but didnt solve it. Along with this compliant im attaching my recent dispute letters with all the information included sent to them.
Consumer complaint received 2020-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I am filing this complaint because I have requested in writing that all over payments be applied directly to my principle balance. I was advised that they could not accept a written request to apply my payments as requested. I would have to call on after each payment and verbally state that I want the over payments applied to the principle balance only. This is a waste of my time and I feel that if I put it in writing that should be sufficient enough to have my payments applied as requested. If I forget to call in that will be money in their pockets which is stealing from me!!!
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

I had a loan with One Main Financial. They agreed with a settlement of XXXX XXXX dollars on the XX/XX/XXXX for the loan.I went into the branch on the the XX/XX/XXXX to sign the settlement agreement for the loan. I paid the amount of XXXX on XX/XX/XXXX. I received a correspondence datedXX/XX/XXXX, stating that the loan has been paid as agreed and closed. XX/XX/XXXX I received an alert on my credit report stating that I was late paying One Main Financial in XX/XX/XXXX, ( when that is inaccurate because it was settled an paid as agreed in XX/XX/XXXX ). I called the Credit Dispute Department made them aware of the error they reported. They informed me to mail or fax in a dispute letter an the reason. I faxed the dispute letter XX/XX/XXXX making them aware of the inaccurate information they are reporting. I received correspondence datedXX/XX/XXXX stating that the information that's reporting is correct. They are reporting inaccurate information stating I was late on the account. My credit report is still showing I have a late payment from One Main from XX/XX/XXXX. I have all documents and letters to prove they are reporting inaccurate information. No late payments should be reporting
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices Howard Lee Schiff, P.C. (CT)

This company sent false information stating that that they presume that from my validation request, which is my right to do, that I do not wish to be contacted about this debt and they will be unable to speak with me. No where did it state in my letter to cease and desist communication. How else will I resolve such matter if I dont speak with them? This is a false tactic on their end
Consumer complaint received 2018-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Services, Inc. (Texas) (TX)

I have a debt for services received from XXXX XXXX here in XXXX. Debt amount is {$2000.00}. I had been going back and forth with the hospital and my insurance company and why more was not covered. The hospital insured me my account would not be sent to collection while we figured out the problem. I checked my Credit report the other day and I have an outstanding debt with XXXX  XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX for the amount above. It shows the account was opened XXXX XXXX, 2017. 

I have not been contacted by this debt collector phone or mail to tell me this was turned over to them. This has drastically hurt my credit score and am very upset I was not notified by either party, Hospital or debt collection agency. 

I do not have any Documentation from either the Hospital since the dispute with insurance began or from the Collection Agency at all.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I originally began the process of closing my checking and savings accounts with Bank of America on XX/XX/XXXX. They were able to close my savings accounts, but the phone representative alleged that they could not close my checking account due to a pending hold. I requested that a complete lock be placed on my account to prevent any further charges from being processed, and the Bank of America representative agreed and confirmed the hold was placed. I was informed that once I had no pending charges for a period of 10 days, I could close the account. At this time they also placed a hold on my account for {$100.00} ( the remaining balance in that account ) in order to " zero out '' my balance in preparation for account closure. 

Two days later, on XX/XX/XXXX, Bank of America permitted a charge through from XXXX for {$39.00}, sending me into a negative balance due to the hold Bank of America placed and charging me a {$35.00} overdraft/returned item fee. Permitting this charge through was in clear violation of the hold I had placed on the account, and seemed to me to be a retaliatory action for attempting to close my checking account by punishing me to the tune of {$35.00}. 

Since then, I have attempted multiple times to have this account closed, attempting to maintain as close to a XXXX  balance as I can while Bank of America continued to allow charges through with impunity despite my best efforts to ensure no further charges would go through. I have had this checking account for many years, so undoubtedly there were going to be a few automatic payments I'd lost track of and wanted to stop with the full lock I had placed on my account. 

Not to mention Bank of America still has an active hold on my {$100.00} final balance from XX/XX/XXXX, preventing me from withdrawing that money and moving it to my new bank. One representative even told me that the " XXXX out my balance '' hold counted as an active hold on my account, constantly resetting the 10-day timer for no active holds in order to close my account. A different representative claimed that Bank of America did not in fact place the hold, while a third representative said that Bank of America did place the {$100.00} hold, but could not say why it was still active. 

Since that hold was placed, I have been subjected to a total of three overdraft fees of {$35.00} for charges Bank of America processed through despite my request for a total block of all charges on the account. In my opinion, these actions constitute a pattern of retaliatory action for attempting to close my account, and presenting an undue obstruction to terminating my account with Bank of America. 

I even attempted to send a registered mail letter requesting my account be closed to the official Bank of America account closure P.O. Box in XXXX, FL, but they did not pick up the letter from their P.O. Box and I was notified it would be returned to me by the USPS.
Consumer complaint received 2023-01-27
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. (NM)

Hello, I sent XXXX, Experian, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them in a pdf. 

They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. 

I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in red pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. 

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " 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. " : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I received a voice mail from the XXXX County Courts ( In North Carolina. ) I was given a fake docket number and was told legal papers were to be delivered to the respondent, but they were calling to make sure we did not have covid symptoms.

I called the court house and my name is nowhere to be seen. I see this supposed law firm has a lot of information about scamming people.

There would not be a docket number yet, if I was not served papers. They were sloppy, and their docket number is not the right format.

I agreed I would pay {$500.00} if they could prove to me that I owed this {$7000.00} debt that I believed I had settled two years ago.

The letter received was not professional, as the paralegal did not even sign it with her position title. 
The scammer company is XXXX XXXX XXXX, from XXXX, New York, and the phone number provided to me from the supposed court person matches their google listing. This tells me it's an actual company but it's likely they do not practice law.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD 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
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (PA)

I applied and was approved for a Pay Pal Cashback World Master Card account which claimed to have a rewards program whereby I could redeem the rewards to the account for a statement credit. XXXX phone representatives, XXXX and XXXX, have given me conflicting information. XXXX said I have to transfer the reward to my wallet, then call back and ask customer service to transfer the rewards to my account. Only after I kept insisting on speaking to a supervisor, did he check with a " specialist '' and said I can redeem rewards to my wallet, then transfer to my cashback account. He assured me that was the correct procedure, but when I tried to redeem that way, there is no choice to add rewards to my wallet. There are only XXXX choices to redeem : send to my checking account, transfer funds internationally, or send me a check. I called customer service again, and XXXX said I can transfer the money to my stand alone PayPal account, which automatically puts the rewards in my wallet, but I can't transfer the rewards back to my cashback master card. I have other credit cards with rewards that I can automatically redeem as a statement credit, so this process for redeeming rewards on my PayPal Cashback World Master Card seems unnecessarily convoluted. Please advise why I can't apply the rewards earned to this credit card as a statement credit.
Consumer complaint received 2021-08-09
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 (NV)

My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. 

For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. 
However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.