davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (PA)

My issue is with the XXXX headquartered at XXXX XXXX XXXX, XXXX, XXXX, Pa XXXX ( from her on referred to as Credit Union ). The Credit Union has continually reported negative information to the credit Bureaus regarding my account. As you can see by my attached documents and from credit report from Experian according to them, I have a negative entry, a judgement from the Credit Union. I have disputed that entry at least ( 3 ) times with Experian and each time I get the same answer, the Results, " REMAIN ''. The account has been " CHARGED OFF/NEVER LATE '' and then they conveniently find {$0.00} in my account over 7 years later! At the very least, they are in my opinion, guilty of XXXX poor bookkeeping and their accounting practices are suspect and should come under Federal Banking scrutiny. The original account opened around XX/XX/XXXX and was in good standing until sometime in the XXXX 's. I was unable to continue payments. I had tried to make arrangements but they were rejected by the Credit Union as not good enough. I had to help pay my divorced and ailing elderly parents expenses as well as my own. At any rate, the account was eventually charged off during the XXXX 's. If you check, you will see the Credit Union does not list an exact date for the start of this delinquency on purpose. The beginning date of delinquency can not be found, anywhere that I can find. However and at any rate, the seven years for which an account by law must be removed from a person 's credit report has long since passed, twice. What is happening to my credit report and to me personally is only as a punishment. It has interfered with my obtaining credit for those companies using Experian as a verification agency and it has kept me from certain benefits from other companies that I already have accounts with ( i.e. ; insurance cost, purchases etc. ). The Credit Union continually updates my account to look as though my account has been up to date, active and in good standing each month of each year. This makes the account appear to be active on my credit report. I have not/could not use this account since it was written off in the XXXX 's. I have no contact with the Credit Union nor have I used these accounts since being written off in the XXXX 's. The only activity on this account is the Credit Union making it appear to be active. Evidently, they are falsifying entries so it appears that I am doing something with or to the account, which I am not. On my Experian report it states that ( STATUS-as of XX/XX/XXXX account chargedoff/Neverlater {$8600.00} Written off. Then it states- {$9200.00} past due as of XX/XX/XXXX. This account is scheduled to continue on record until XX/XX/XXXX )! Also, please note that since I filed a complaint the Credit Union has now filed a Judgement in the courts ( with no date ) as additional punishment further damaging my reputation and credit standing.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  accounts, XXXX, XXXXXX*************, XXXX, XXXX, XXXX XXXX, have all violated my rights. 

I XXXX XXXX, Consumer, and natural person, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXX************* XXXX*** XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX SOC SEC ADMIN OFFICE O Account # : XXXX SSA/OFFICE OF FINANC Account # : XXXX XXXX XXXX XXXX Finance : XXXXL XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX XXXX XXXXXXXX Miscellaneous and Public Record : XXXX XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX  XXXX Banking : XXXX XXXX XXXX Finance : XXXX XXXX Banking : XXXX XXXX Banking : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX :
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I contacted the customer service number to equifax for help with these inquiries they said there was nothing I ca n't do I know that is not true I would like them to provide me with the name the number and the extension of the person they talk to and the reason why it can not be deleted for each inquiry here is a list XXXX
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I was told there was an issue with my account, then I am told to visit the branch, I had visited the branch and the banker there gave me the number to the fraud department. The fraud department told me to go to the branch. So I am done with dance. I would like my account closed now and my funds mailed to me.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (NY)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Durning the Global XXXX Pandemic took advantage of a global crisis and would help when I was laid off from the XXXX Pandemic. Instead of offering a relief on help of payment during that time they added late fees and interest to credit card making your balance higher than the credit card limit. XXXX called a harassed XXXX, weekly demanding payment. They ignored CARE ACT Congress passed for those seeking relief from the pandemic. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. Instead, they placed Charged off on your credit report and wrote off as LOSS Debit with the IRS. 

They reported Account XXXX with credit limit of {$700.00} and added fees adding up to a balance of {$1000.00} with XXXX and Equifax. 

They reported Account XXXX with credit limit of {$500.00} and added fees adding up to a balance of {$900.00} with XXXX and Equifax.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (CO)

Alot people have information it's been exposed of people I been around all my life. I don't know much but I know I'm out of money and for some reason the money that's for me is being sent somewhere else and out of my reach and knowledge. It's like someone have power of attorney over me that I don't know of. 2017 and XXXX I released power of attorney 's that had THE POWER OF ATTORNEY over me in XXXX XXXX. It's really weird h XXXX XXXX someone can be power of attorney over you without your knowldge.
Consumer complaint received 2016-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

Navient on behalf of University XXXX reported to the credit bureaus that I was late in payment while I was in forbearance until I could prove deferment due to attendance. The representative I worked with failed to mention that my documentation would not be retroactive. I disputed the late mark on my credit report to no avail.
Consumer complaint received 2017-04-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (AP)

Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.
Consumer complaint received 2017-04-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (CA)

Debt was owed from my previous employer for which I worked as XXXX employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.
Consumer complaint received 2017-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

This is the 2nd complaint that I have submitted on this issue. The 3rd step is going to be me taking CBE group and XXXX to court for harassment regarding a bill that I do not owe. I created case # XXXX, I received a response that CBE would cease collections and has sent in a withdrawal to the XXXX credit bureaus to remove the debt from the report. Now I have received yet another letter from CBE requesting the same funds again in which I will NEVER pay. I have provided all of the documents including a letter from the leasing agency proving that I relocated and left the premises XX/XX/XXXX. XXXX XXXX XXXX and the CBE group are attempting to collect {$350.00} from me stating that the disconnect date was XX/XX/XXXX. I called CBE group, they advised for me to get proof that I had moved, I got proof from the leasing property management that shows the date I moved ( XX/XX/XXXX ) and sent it in. I was then advised by CBE that XXXX has advised them that they do not accept proof of customers relocating and to keep it as a valid debt. My next action was to come to consumer financial protection bureau for assistance, I created the case mentioned above and got the response of the CBE group has ceased collections. I now have another letter dated XX/XX/XXXX with them attempting to still collect funds that I am not responsible for. I have asked for XXXX to pull the records of my disconnect call and was refused, even with proof that I relocated they are still continuing to harass me. I do not owe this debt and it will not ever be paid by me. You can not collect funds or attempt to scam someone whom has proof of moving.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

On XX/XX/XXXX, I received a letter from Federal Student Aid that I am eligible for forgiveness on my outstanding loan serviced by MOHELA. The letter stated, " Your loan servicer will send you a communication about XXXX forgiveness within XXXX business days. You don't need to take any action as you await this update from your loan servicer. To monitor the status of your loan forgiveness, ou can log into your account with your servicer. Congratulations on reaching XXXX qualifying payments for XXXX XXXX XXXX XXXX. '' XXXX business days was XX/XX/XXXX. I received nothing but a bill for payment due XX/XX/XXXX. 

MOHELA has already forgiven one of my loans, this notification was specific to the outstanding loan. I reached XXXX payments in XX/XX/year>. 

Federal Student Aid blames MOHELA and MOHELA blames Federal Student Aid. Neither provides information or assistance in response to my inquiries or complaints. They just tell me to contact the other no matter what I ask. 

MOHELA is demanding payment on a loan that shouldn't even still be outstanding, and once that loan is finally forgiven I'm sure they'll take another XXXX months to process the refund. Meanwhile, XXXX is processing forgiveness for their borrowers with no issue. 

XXXX XXXX XXXX is providing inaccurate and misleading information. MOHELA is providing no information. I'm beyond frustrated with this process and I'm tired of not getting any answers.
Consumer complaint received 2016-04-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BMO Bank, N.A. (WI)

i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MD)

It was an impossible but obvious error on my Citibank checking acct : A check ( # XXXX ) I wrote to pay a merchant was cashed twice on a same day ( XX/XX/22 ), for the amount I wrote, {$7300.00}, and another {$730.00}. I called Citi the next day and a rep named XXXX agreed to correct the error, saying the next XXXX  ( XX/XX/22 ) the credit of {$730.00} would be on my acct. But it hadnt happened until XXXX  ( XX/XX/22 ) when I called it again. A rep named XXXX ( who was nice ) with her supervisor ( who sounded quite inpatient ) said they'd credit it back to me next XXXX  ( XX/XX/22 ) ; but the {$730.00} debit is still shown on my acct today XX/XX/22 ). Nothing happened, no call and no email ( as they said they'd do ). I'm requesting Citibank to remedy the error by paying me {$300.00} for its ongoing negligence as well as crediting the {$730.00} to my account.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Been a victim of deceptive advertising practices. 5/3 Bank stated a O % apr for the first 15 months including balance transfers. Was stated over the phone that balance transfers would take place within 5-7 business days. It has gone past the days stated by verbal communication via telephone. 

It has gone well past the 7 days, and when I called in to verify, the operator stated it takes 4-6 weeks. Both conflicting stories. Many operators carrying heavy accents from foreign countries unable to properly communicate legal financial information should not be allowed dealing with vital personal information. Misinformation or improper annunciations of words can be detrimental to many contracts.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation (CA)

Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. 

I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. 

As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. 

How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.
Consumer complaint received 2022-11-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NH)

Hello, Im writing to you to explain this jumble of screenshots. On XXXX XXXX I ordered an XXXX XXXX from XXXX XXXX XXXX. A third-party seller through XXXX. I paid with Affirm. On XX/XX/XXXX, I got notification that the package had been delivered. It said no signature required and there was no picture or other proof of delivery. I went down immediately to get my package and it was not there. 
Since then I have filed three A-to-Z claims with XXXX and when denied every single time, I disputed it to the highest power I could and spoke with customer service multiple times. But again it was denied. XXXX said they could not help me because it was with a third-party seller and basically asked me to stop contacting them. 
I then went to FedEx to try and file a report for a missing package. They told me I could file a claim so I did, however it was denied and upon further correspondence they informed me that though the seller and them both had insurance for such a package, I was just the recipient I would have to have the person who shipped it ( XXXX XXXX XXXX ) file the claim with XXXX. 
Since I have not been able to get any sort of helpful response through the XXXX chat feature with The XXXX XXXX Ive found their phone number online and began calling them. They at first said that they would contact XXXX. They never called me back so I called again a few days later and they said XXXX had told them the package was delivered successfully. I went on to tell him that I know that this is what it says but I never received it and they must have some sort of insurance on the package that they could file to receive and then refund me. Ive called them three or four times since trying to urge them forward on the matter, but every time they tell me they will look into it, they never return my calls. 
Today when I tried to call I received a busy signal so Im not sure if theyre out of office or if theyve just decided to stop answering my phone call. When I explained this all to XXXX XXXX in XXXX, they told me I should cancel the debit card I had on file with Affrm. I did this but at this point in XXXX, with no payment from me, it has started to negatively affect my credit score. 
On XX/XX/2022 at XXXX EST. I spoke with an XXXX XXXX  XXXX representative to discuss my possibilities. She said if I payed off what was due, once it was posted I could then go and dispute the charge. As of XX/XX/2022, I have paid the {$220.00} in question in attempts to not permanently hurt my credit score. I am now looking to dispute this charge in hopes to be reimbursed. 

As of XX/XX/2022 I had payed through affirm and then disputed the charge with my bank. XXXX XXXX XXXX. This resulted in the bank taking the money back from Affirm at this time. It now says I still owe Affirm money. At this point I dont know what to do. 
Thanks, XXXX XXXX
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

i had my credit card payment from commenity bank with XXXX on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/2017 through XX/XX/2017 show late payments, i always check to see the draft take place inside my bank account. it did at that each time. money said it was drafted each month. then i looked at report and it showed late payments. i called and battled with commenity bank every month and they said auto pay didn't draft and they failed to let me know each time! commenity bank said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable because of these negative remarks.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (NY)

I made a previous complaint # XXXX which was answered by Freedom Mortgage in an email stating they made an error I asked for a new escrow disclosure statement and a call from Freedom Mortgage so I could see the numbers and what the payments would be. I received a letter from them on XXXX XXXX, 2016 and at this time XXXX XXXX, 2016, have received nothing. My first complaint was never answered and the whole case is still ongoing. Also all I get is the repeated harassment, many letters from Freedom Mortgage to refinance.