davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (FL)

Re : Simple Bank I deposited a {$1000.00} check via mobile deposit on Friday, XX/XX/2019. The check was handwritten by an employee of my parent 's company. I have deposited checks with a larger value than this without issue. I have deposited checks from this same company without any issue. 

Most mobile deposits from Simple result in a next-day or two-day hold. This check had a five-day hold which resulted in an entire week without access to the check funds. 

I called Simple Bank to resolve the issue - which I believed was related to the check being handwritten ( i.e. thought to have been fraud ). 

Simple Bank does not allow any customers to speak to call center managers - as policy. Simple Bank  does not allow any customers to speak to their fraud department or anyone related to check deposits - as policy. 

My first support agent told me to cash my checks if I needed the fund quickly, which defeats the purpose of having a bank. The next agent told me that five days is standard for checks. 

I believe Simple Bank is misleading customers. They advertise via their website and XXXX   that checks are normally available next-day. Their support representatives tell customers that five-day holds are actually the standard turnaround time. 

I have had to put an entire week of financial transactions on hold for this issue.
Consumer complaint received 2022-08-13
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. (PA)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trojan Professional Services, Inc. (NJ)

Thus debt collection agency has reported a debt as having been incurred in 2014 causing it to show in my credit report again after the 7 year limit as the original date of such debt is over 7 years ago causing a serious downgrade to my credit.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I obtained a lease from Ford Credit in XXXX of 2018, the lease amount 'financed ' was listed on my credit report for {$6800.00}. I have made all payments on time, but as of mid XXXX I got a notification from XXXX that Ford Credit lowered my credit limit ( {$6400.00} ), which in turn lowered my credit score. I called Ford Credit on XX/XX/XXXX and she said it was the company 's fault that they added sales tax into the original amount reported to XXXX. This error was a Ford Credit error and they have no solution for me. I would like this reversed to reverse the negative decrease in my credit score.
Consumer complaint received 2024-02-02
Product: Credit reporting 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)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX CO Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX & XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-11-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Good Afternoon, We started our refinance back at the end of XXXX and as part of the refinance we had to resubordinate our second loan with SPS. We and my lender started the process and here we are at XX/XX/XXXX and the subordination process still has not been completed.. Title company is calling if not every day every other day to only be given excuses and to be told it will be escalated. 

They had ALL the paperwork they needed on XX/XX/2020 and we were told it needed to go to a third party company to get the assignment of mortgage completed. Why this was not done when we took out our mortgage last year still baffles me. We were told while this process was going on that they could NOT talk to anyone and we were told 45 days for the process to be completed from XX/XX/XXXX. We are at XX/XX/XXXX and the process is still ongoing and they continue to tell us they have not estimated close time. 

In the mean time our appraisal has expired and our lock has expired. We have talked to Supervisor after Supervisor to only be lied too and given excuses ... 

Some of the names are : XXXX XXXX XXXX XXXX There have been NUMEROUS others that we didnt write the names down because we did not realize it was going to get to this point. 

There should be absolute transparency when dealing with these companies and they have delivered none and keep passing the buck as to who is responsible for the delays. They have a legal obligation to complete subordinations in a timely manner and they have failed!
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I previously submitted a complaint agains Credit Collection Services with the CFPB and last month was told that they would delete the derogatory accounts off my credit and to give them up to 30 days to do so. This was replied on XX/XX/2020, but the company has behaved deceitfully towards the CFPB and me. This was their reply from case number previously given of XXXX. 

First of all, they never sent me any documentation stating that the accounts had been removed. Secondly, they deleted the two smaller balances, but decided they would leave the one for {$290.00} with XXXX  and XXXX. Recently on XX/XX/2020 they updated the accounts on my credit reports. The second debt of {$59.00} was left with XXXX  and also updated the validity of the debt on XX/XX/2020, so they are still reporting these accounts, playing games and destroying my credit worthiness. Before I proceed with legal filings to take them to court for this for {$1000.00} per violation, I figured I would try to go through the CFPB one last time to give them a final opportunity to immediately right this wrong and I am NOT WILLING to give them another 30 days as this account should have been removed along with the other two accounts already. This is my last and final attempt, or I will be seeing CCS in court for {$1000.00} per violation, including violating my HIPPA rights and defamation of character, as well as fraud. They may be playing games with my credit, but I am making it very plain and clear that I am not playing games with them and I do not take them destroying my credit worthiness as a game. My life and credit are not a toy to be played with. I have given them enough time and have been more than patient, so again, this will be my last attempt before I proceed to turn this over to my lawyer.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I called the bureaus after noticing some inquiries I didn't authorized and they are still being reported on my credit report. I also dispute account that doesn't belong to me that they said is verified but when I contact the company they said they never been contacted by bureaus. There is also accounts that where removed then put back on my report with same information just different date, which is invalid reporting and violation of my rights. There is address and names that doesn't belong to me, that's being reported on my credit report. There is a social security number that do not belong to me, that is listed on my most recent reports.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

I am missing payment counts from XXXX on all my direct loans serviced by FedLoans, and qualify for PSLF. FedLoans says the months were ineligible because no bill was generated. Due to my XXXX income from the year before, I would have $ 0 monthly payments through this time period. I have contacted customer service many times through this process, only to be told that it is under review and to wait longer. It has now been almost two years. My payment count with FedLoans has literally never been correct despite XXXX yearly, working for a qualified employer, having PSLF-qualified direct loans, and never missing a payment due.
Consumer complaint received 2020-11-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Navient is sending emails regarding recent payments and past due payments, including payment dates, to non-contracted parties. My sister is getting emails to an email address with her name on it that has no ties to me or the cosigner. I have requested this communication stop at least twice and it continues.
Consumer complaint received 2017-09-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Sometime last week a representative from Midland Funding called me to set up a settlement amount from A Debt from XXXX XXXX bank that is not owed By me. His name is XXXX XXXX. He told me to pay the debt by XX/XX/XXXX and I do n't have to worry about it reporting to the credit bureaus and he would have the original XXXX ( XXXX XXXX Bank ) remove the account off my credit report. I then requested him to send me a letter stating that he would do that in writing before i make the payment. On XX/XX/XXXX I received a letter from Midland Funding about the settlement demand but it does n't indicate that the deragatory will be Removed. Today which is XX/XX/XXXX, I received an alert from experian indicating that I owe XXXX from XXXX XXXX bank as a Derogatory collection. This Collection agency not only made a false XXXX but they are reporting the same debt at the original XXXX ( XXXX Bank ) on my credit report which makes it a double Derogatory for the same thing. They did n't keep what was promised to me to make the payment before XX/XX/XXXX. They also informed me that it would not be Removed from my credit report once paid as XXXX of the other represenatives promised me. It is illegal to report inaccurate information on my credit report and treat me unfair like that. This is very damaging to me and my life, my family and is a XXXX of my character. This should n't be On my credit report and should be Removed and I request
Consumer complaint received 2019-06-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (NC)

I have attempted multiple times through chat, message, email and phone calls to lower my payments to an affordable rate. My payment was at an affordable rate and I was making payments on time, however that Income based plan ran out. I was required to apply for another plan. I can no longer afford those payments. I am at a loss of what to do know and I'm close to being in default.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2019-06-03
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: EQUIFAX, INC. (GA)

I have sent dispute letters and a FTC Fraud Affidavit to the Credit Agencies with regards to the following accounts that are fraudulently reporting on my credit file. I would like these accounts removed with your assistance : XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) US Dept of Education XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX
Consumer complaint received 2019-10-22
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: Experian Information Solutions Inc. (MD)

I received an alert from Experian, which stated that my FICO had dropped 25 points. I have been a victim of ID theft, so am very conscious of any changes. I was able to review the latest report, which shows no changes. I called x4 to talk to someone about what the drop is based on without luck. There seems to be no way to access an individual and the telephone prompts do not cover this problem.
Consumer complaint received 2020-11-27
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019 JPMCB CARD add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-08-08
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: EQUIFAX, INC. (NC)

It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ;
Consumer complaint received 2017-09-23
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. (GA)

In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.
Consumer complaint received 2019-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I just want them to stop calling me at work, if they cant get me on the phone, they will call my company 's general # and ask for me so it doesn't come up as " Bank of America ''. they also are hiding the number so I cant see who's calling and they are hoping that I will pick up. the one time i did pick up- the woman was yelling at me saying " we can contact you!! We can not contact you!!! we need to speak with you. Why do they need to speak with me, they already put bad marks on, my credit report and I cant pay it and i told them to stop calling my job as i can not get these types of calls there. they are absolutely relentless and will not stop like the terminator,
Consumer complaint received 2020-10-28
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: Atlanticus Services Corporation (GA)

I emailed on Aspire Credit Card Company on XX/XX/2020 a Customer Statement of Disputed Items form. I explained that I returned a product on XX/XX/2020 via XXXX with a tracking receipt. As of XX/XX/2020, over 10 days had passed and the company still keeps giving me the run around regarding my refund. I have called Aspire Credit Card Company every twenty days and each CSR never is able to inform me anything about my refund on my credit card. The purchase was for {$100.00} and I have not had this about available to me as available credit. I have continued to accrue interest on my monthly bills without the {$100.00} deducted. Today 's date is XX/XX/2020 It has now been over 90 days since I sent in my dispute to Aspire and I have not received any communication from this Company regarding my dispute.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Figure Technologies, Inc (OK)

On XX/XX/XXXX I received a loan solicitation from Figure.com. The mailing stated how much I could borrow and had the EXACT amount of my present mortgage loan balance. My bank says they do not provide that information which means this company had to have looked up my credit information through the Credit Bureau or some other means. None of which would have been authorized by me. 

I understand that soliciting loans is legal, however, is the manner in which they have my private information without my approval also legal? 

XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, Ok XXXX
Consumer complaint received 2022-11-06
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. (GA)

Experian is reporting this fraudulent account to my credit file without my consent Ive asked Experian to provide me with improper documentation verifying that this account belong to me which in fact it doesnt. I would like for Experian to provide me with a signed contract and a copy of my signature on a XXXX XXXX contract. Ive asked Experian repeatedly and still no proof but they are still reporting this account to my credit file. This is my last chance asking them you can not just report something that fraudulent or inaccurate to anyones credit file. The Consumer Financial Protection bureau is ware now so Ill have proper documentation showing I asked for proof and if not provided and if this account stay on my credit file with Experian I have the right to file a law suit against Experian