davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: J & B Endeavors, LLC (NE)

On XX/XX/XXXX I enrolled in the Student Loan Movement plan. On XX/XX/XXXX I requested information regarding my payments and student loan status. I received no response. On XX/XX/XXXX I contacted XXXX to find out that my principle balance had not been affected and that my payments were not be credited for the public services loan 120 payment plan because paperwork was still needed. I completed the annual recertification and changed my passwords to my student loan accounts online. 

The same day, XX/XX/XXXX, I contacted the customer service number to Student Loan Movement to cancel my plan. I spoke with a man by the name of XXXX, who informed me that he would be contacting XXXX to tell them that I do not qualify for the income based plan or that I didn't want it. XXXX stated that he would be sure to have my payments increased to at least {$400.00} a month. During this conversation, I requested that all payments be stopped from withdrawal of my account and specifically stated that I give no one but myself permission to access any of my student loan accounts. XXXX continued to threaten me saying that he was going to contact them and increase my payments.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is not my account. Please provide verification, method of verification XXXX XXXX XXXX  XXXX XXXX # XXXX This account is closed but reporting negative information on credit every month on XXXX. The account was deleted from XXXX  and reporting no payment history on Transunion. This is information is inaccurate and not my account account, please removed.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (IL)

On XX/XX/XXXX, Upstart Network Inc approved covid-19 related hardship assistance. They told me that I was approved and didnt need to make payments for 60 days. They also sent me a letter indicating that they wouldnt report my account as delinquent to the credit bureaus for being late. 
This company went ahead and reported my account as 60 days past due dropping my Fico score by 60 points. 
I tried multiple times ( 5 to be precise ) thinking it was a mistake and hoping they would remove this error. 
Upstart Network Inc refused to remove this delinquent reporting.

This has negatively affected my Credit and and iam unable to get favorable interest rates or i am getting denials even though I have made my payments on time since the loan inception.
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America through their Attorneys obtained wrongful judgement against me on XX/XX/XXXX - XXXX for {$19000.00} I appeared Pro Se and the presiding Judge XXXX XXXX XXXX ruled for Bank of America without careful examination of the evidence and the paper work presented by Bank of America. I was therefore denied legal process and totally ignored merely based on the shoddy evidence entered by Bank of America and their Attorney. Bank of America and their Attorney failed to demonstrate debt validation pursuant to the Fair Debt Collection Practices Act 15 USC1692g Sec 809 ( b ). 

Bank of America and their Attorney presented the front side of a signature card dated XX/XX/XXXX - XXXX as evidence. The terms and conditions on the backside were missing. 
And no credit card agreement. Bank of America billing statements of prior periods before XX/XX/XXXX - XXXX were missing. Bank of America billing statements from XX/XX/XXXX - XX/XX/XXXX were also missing from the evidence. I had no way to calculate the true dollar amount of the debt.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have been trying to make bi weekly payments. Mr. Cooper mortgage company requires that you submit a month in advance before you can start biweekly. Example : I have to pay XXXX and XXXX at the same time. Then submit a form and a voided check requesting the biweekly payments be made to cover the next month 's mortgage. So two payments would then come out of XXXX to cover XXXX mortgage. 
The company denied my request because my name was written on the starter check vs printed, despite them confirming that it would be ok to write it in. When i asked why they needed a voided check when they already received my monthly payments using the same account, they didn't have a specific answer. They then said if i didnt want to use a printed check that i'd need a letter from the bank stating the account was mine, even though they have already been pulling money from the account! This is alot of hassle with no reasoning behind it just to pay bi weekly. If i can pay from the same account monthly, why do i then need to jump through hoops to prove that the account is mine still if i want to pay biweekly. The most frustrating part is they did not communicate with me that the request was denied, which would have put me at risk of defaulting on my mortgage. Something is not right if they can take money out of my account monthly but they may me prove it is my account if i want to pay biweekly from that exact same account. Furthermore, to not communicate that a request to pay biweekly was denied is deceptive when you think your mortgage is being paid and it isn't.
Consumer complaint received 2017-12-24
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: CITIBANK, N.A. (NY)

I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.
Consumer complaint received 2020-10-28
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: Continental Finance Company, LLC (VA)

I called this company XXXX and sent a letter to their address that's on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX to verify an account that their agency is reporting on my credit report but no one there seems to know anything about an account using my SSN, DOB, and Full Name.
Consumer complaint received 2020-10-28
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: Bread Financial Holdings, Inc. (OK)

Victoria secret card was paid in full and they sold to another company and have it as revolving unpaid with balance I paid in full to company that bought it but Victorias secrecy wont remove the negative item from my account Im trying to buy my home this is one of a few holding me up
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (VA)

At the end of my lease for my XXXX BMW XXXX ( XX/XX/XXXX ), I was told that I owe approximately {$3400.00} for wear and tear, tires and excess milage by BMW of XXXX. As I turned in my XXXX BMW XXXX, simultaneously ( same day ) I leased a new BMW XXXX. 

As part of the closing for my lease on the XXXX, I wrote a check in the amount of {$1000.00} t to offset against the {$3400.00} and gave to the dealership. 

Late XXXX of XXXX, I received a call from BMW Financial requesting that I pay the {$3400.00}. I explained to the agent that I had provided a check in the amount of {$1000.00}. He said that he would reach out to the dealership and get back to me. Fast forward to end of XXXX, I started receiving call from a collection agency. They told me that I owed BMW but they would settle with me for {$2000.00}. I again explained that, I have written a check to BMW for {$1000.00} and need to know what happened to that check. The agent said that she would need to check with BMW and get back to me. 

Fast forward to today, I received a credit monitoring alert from XXXX XXXX that I have a charge off from BMW in the amount of {$3400.00}.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

on XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand to DELETE immediately those accounts or I will file a litigation that cause me stress.
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have XXXX XXXX XXXX with Bank Of AMerica. 
They just reduced my credit limit in all XXXX without any explanation. 
My XXXX XXXX is affected by that. 
The reduction was big, like to less than 10 % of my old limit. 
I tried to call they just said I need to wait the letter by mail in 10 days ... 

Im really disappointed with this Bank, show no respect to people.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Per the FCRA as a federally protected consumer I requested to OPT OUT of any all authorizations I may have given to the company written, unwritten, verbal, non-verbal per 15 USC 6802. The company did not disclose to me that I had an option to OPT OUT. My request has been ignored. This is a violation of The Privacy Act of 1974.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (IL)

On XX/XX/19 I was a victim of identity theft  when someone used my information to open a alternate XXXX  account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (CA)

I have been fighting with Chime about my funds since XXXX of XXXX. They closed my account due to me receiving a refund from XXXX. I originally made a XXXX purchase in store which I used my gift card and put the remaining balance on my Chime debit card. When I returned the purchased item a few days later I no longer had the gift card and XXXX  simply returned the full amount to the debit card on file which was my chime card. That prompted chime to suspend my account and ask for information which I sent them the receipt email that XXXX sent me to show that I was the person supposed to get the refund to my card! As well as all other verification measures! They still did not accept and stated I had to send the information to XXXXXXXX XXXX I contacted the XXXXXXXX XXXX who stated they had no knowledge and didnt suspend my account at all. I have continually reached out to Chime in every way and they refuse to help. Half the time they will not speak to me on the phone they say I have to email but they dont respond aside from a automated email response. Again this has been months and the people in customer service are non helping. I need my money I dont want the account anymore after seeing how they do business but I also dont want to keep being given the run around when its been months and I am in financial turmoil in this pandemic!!!
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX 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 2022-03-02
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)

This is unfair to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. This has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/19 I was a victim of identity theft when someone used my information to open a alternate discover account. Since, I have disputed the information with a FTC report, Police report, and provided additional information to support my dispute. I requested that the credit bureaus removed or block this information under the 605B and it has not been done within the timeframe by law. I request the all 3 credit bureaus honor my request or FCRA violations will filed against each bureau for the violations.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC. (MD)

XXXX falsely reported XXXX late payments on my account. 

Santander lost my original contract I never signed a contract with XXXX XXXX tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with Santander which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since XXXX took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee
Consumer complaint received 2020-09-08
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. (FL)

The following is a short summary from a complaint that was just filed today with the Florida Attorney Generals Office, I also filled out a complaint with the Consumer Financial Protection Bureau and have made contact with an Attorney specializing in FCRA for Florida. 

I have numerous emails between XXXX XXXX representative : XXXX XXXX XXXX and Bankruptcy Specialist XXXX XXXX XXXX XXXX, FL XXXX Office : XXXX Fax : XXXX XXXX in which I have disputed this information 3 times with Experian and each time the report comes back not changed. 

Mr. XXXX has emailed me the letter in which my account was stated as XXXX balance and closed, settled for less than the agreed amount. When I submitted that letter to Experian they reported to me that the only way they can change the report is if XXXX XXXX  advises them too. It seems crazy to me that is the case when I have the emailed letter stating the facts. 

This egregious and intentional continued false reporting on my credit by XXXX XXXX along with the unwillingness to respond to emails and phone calls in reference to my issues can no longer be tolerated. As a disable United States XXXX XXXX, I am saddened that XXXX XXXX insists on a business practice based on purposely reporting incorrect information on credit reports and the negligent actions when questioned on the issues. 

I am happy that there is a recourse for me to work with in achieving a positive result moving forward. I am happy that I have tried numerous times to solve this at the lowest level and that XXXX XXXX 's continued unwillingness to cooperate just makes everyone else that is not involved jobs that much easier to bring me a satisfactory resolution. 

It truly did not need to be this way and I fully intended on working this out. With that said I can not continue to be ignored and falsely reported on by XXXX XXXX and have now been forced to take a different approach. 

I am willing to send additional information in the form of emails and letters along with my most recent credit report from Experian to show that the incorrect data still appears. 

XXXX XXXX
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

HI CCS Credit COLLECTIONS & XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.