davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I am in the XXXX XXXX XXXX XXXX program and have been re-certifying my employment every six months as recommended by a financial advisor. Everything in my account is up-to-date and current. I submitted paperwork certifying my employer this summer and received notification that I had XXXX qualifying payments remaining as of FedLoans letter dated XX/XX/21 ( attached ). I re-submitted by certification this XXXX and FedLoans no tells me I have XXXX qualifying payments remaining!! How can I have more qualifying payments remaining now then when I applied to re-certify back in XXXX?? No one at FedLoans has been able to resolve the issue and I have contacted the company regarding the issue. I have all letters documenting the number of payments FedLoan says I owe for each time I have re-certified my qualifying employer.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (NY)

The name of the credit card company is called advent credit card. I had a payment minimum payment of {$25.00} due on XX/XX/XXXX. I paid it on the XXXX. I was looking at my bank statements today and I noticed there was not a try friends action for the payment I made on the XXXX. When I looked on the app for the credit card it was saying that I still need to make a payment for the XXXX. I called the company I made the payment and according to the credit card company a payment was sent on the XXXX by me and it was declined by my bank. I told them I don't know why I had the money in the back. So they told me because I was 1 day late making the payment that it's gon na show up on my credit history and I'm gon na be hit with the late payment fee 5 days from now. I went to the bank and I got the papers as well as the email to me that they received no transaction from them on the XXXX regarding any kind of payment. Because of that the bank is saying it is not their full because my credit card company didn't do any kind a transaction with my bank. Now the card the debit card I used to pay for my minimum credit card balance of {$25.00} was the same credit card that I used when I paid on the XXXX as well. If I forgot to tell you the credit card company also told me which I have proof of that they sent me an email on the XXXX saying that my debt card was denied. The credit card company is telling me it doesn't matter what proof you have from the bank you're still gon na get hit with the late XXXX and it's still going to be reported that you paid late.
Consumer complaint received 2021-05-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Radius Global Solutions. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TX)

Dear CFPB : Please accept and investigate my ongoing dispute for a {$400.00} erroneously debited from my prepaid account stemming from a failed ATM withdrawal transaction occurred on XX/XX/20 in XXXX convenience store located at XXXX XXXX, XXXX TX. 

Please find the attached documents including a failed receipt transaction submitted XX/XX/20, again on XX/XX/20 and on XX/XX/20 to American Express BlueBird proving that I had received {$0.00} cash except for a receipt showing that the transaction had been failed. As of today, I did NOT receive any proof or receipt from the ATM Operator that any cash had been dispensed as it should have, or any proof such as video footage as to whether any cash had been dispensed from the machine. Although I did return to the store to dispute a failed transaction, I did NOT, however, get a refund or support for a resolution. I hereby attest that the ATM did NOT dispense any cash as requested, and therefore, my prepaid account should have received a credit for a {$400.00} that had been previously debited in error. As the ATM machine could be faulty or potentially been compromised, I truly regret to use an ATM machine there where not located in a bank or not operated by a bank As the store or by the ATM machine has a camera, I hereby ask that the store and/or the ATM operator will review and provide footage of the related incidence in dispute. I'd appreciate a prompt and fair investigation and resolution to the matter. Meantime, I respectfully ask for a provisional credit of {$400.00} to my Bluebird account while waiting for additional proof and resolution. Thank you XXXX XXXX
Consumer complaint received 2018-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credit Karma (NY)

I filed a dispute to XXXX, a account on my credit report was older then 7 years I used credit karma to do the dispute and it said by XX/XX/XXXX I should have a answer which I did not so I called XXXX they claim the account was already removed, credit karma failed to notify me or update there records
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 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 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 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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

XXXX XXXX provided me XXXX XXXX service on 4 dates through XXXX XXXX XXXX. XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I provided XXXX XXXX and XXXX XXXX XXXX XXXX XXXX at the time of service. 
XXXX XXXX and XXXX both sent the bills to an address from 7 years ago and Insurance from 7 years ago and of course it wasn't paid. 

Wakefield Collections called XXXX of XXXX and I saw they had the wrong address and wrong insurance. I updated Wakefiled AND Carepoint AND XXXX XXXX of my address and correct insurance. 

XXXX only applied that information to one of the dates of service and called again in XX/XX/XXXX harassing me about the other three. They still had the wrong address and wrong insurance and still all three showing as collections even though they said they would remove it completely after they realized they screwed up with the wrong insurance. 

These medical collections are hurting my credit score and causing me higher financing rates and I need the collections removed ASAP or I will be taking Carepoint and Wakefiled to court and suing for higher mortgage payments, credit cards and loans payments, plus punitive damages for knowingly and intentionally materially neglect and knowling issuing false statements to the Credit Bureaus. My Anthem insurance paid XXXX XXXX for these dates. It's only XXXX and Wakefield who harass individuals even when I provided the correct insurance 3 times and I still have a collection being shown. This is criminal to let a company cause me so much financial harm with no consequences for their actions of incompetence and intimidation. 7 months is more than enough time to contact my insurance company XXXX and get paid for all accounts not just one.
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (IA)

ECSI has limited options for student loan repayment that do not involve a fee. The direct payment option is frequently not available, which can make it impossible to make a payment on time without choosing an option that involves paying an additional fee. Also, I can not find a way to contact the company by phone so I can talk to someone.
Consumer complaint received 2023-05-06
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: BARCLAYS BANK DELAWARE (NY)

Barclay credit card was paid in full minus the {$720.00} for an XXXX cellphone that I never recieved from XXXX XXXX XXXX XX/XX/2019. They didnt have the cellphone in the store, they claimed the only way to get it from the warehouse was to pay. I paid waited 45minutes couldn't wait anymore had to go to work. They gave me a small pink receipt for what would be a refurbished phone but I paid full retail price for a new phone that I never saw nor received. I told them to cancel the order the next morning less than 24 hours later they refused. Now my credit report is showing a charge off and balance due of {$1500.00}, when I owe them nothing. Barclays and XXXXXXXX XXXX are praying on the little guy. I dont owe for a phone I never recieved. XXXX XXXX XXXX bate and switched me. Barclays is trying to keep it going so they can collect interest. Original amount {$720.00} they claim i owe {$1500.00}. I DO NOT OWE XXXX XXXXXXXX XXXX nor Barclay Bank. Contact me XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MD)

I have an American Express credit card to which I have authorized XXXX other persons to receive cards under my account. I pay the total amount due each month. The monthly statement comes to me, lists separately each user 's activity, and provides the grand total of same. However, the credit company reports to the credit bureaus, the grand total amount that is due on all XXXX cards for each card holder and not their individual net amount. I understand that the grand total is and should be reported to the credit bureau on my account. The other XXXX account users credit scores should not be influenced by any credit amounts other than those made on their individual card.
Consumer complaint received 2022-07-19
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. (DC)

NOT A DUPLICATE COMPLAINT : On XX/XX/XXXX, I the consumer notified all 3 consumer reporting agencies ( Experian, XXXX and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. ALSO, never investigated pursuant to title 15 USC 1681a ( e ) -investigative consumer report. XXXX, Experian and XXXX failed to Investigate the first time witch is a violation of the FCRA, pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX, Experian and XXXX failed to Investigate the first time according to federal law ( FCRA ). XXXX, Experian and XXXX HAVE NOT conducted personal interviews with my neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, IF SO, I HAVE NOT BEEN CONTACTED AT ALL IN REGARD TO WHO DID YOU INTERVIEW TO VERIFY THESE ITEMS AS ACCURATE?? EXPERIAN KEEPS ASKING I THE CONSUMER FOR PRIVATE LOCATION INFORMATION IN ORDER TO INVESTIGATE and that's a violation of the FCRA as well. XXXX, Experian and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies US DEPT OF EDU # XXXX both accounts that XXXX, Experian and XXXX furnished to my consumer report fraudulently. I demand both accounts # XXXX be deleted Immediately from all XXXX consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Genuine Debt Solutions, LLC. (CA)

i was contacted by someome from genine debt solutions station in XXXX. i am all the way in XXXX and i have no businesss with these people. the phone # that called me is XXXX XXXX XXXX and i had been called XXXX after i told ther person on the line that i was not the person she was looking for
Consumer complaint received 2022-07-19
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. (NC)

This is my third time contacting this company in reference to accounts that are on my credit report but does not belong to me. There has been no response whatsoever. This has hindered my ability to obtain proper housing and more.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-01-19
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. (AL)

I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CA)

Hi. I have a existing loan with Caliber Home Loan and they have send me flyer to low my interest rate with no closing fees if I refinance with them. I started my process and was able to bring another loan to Caliber. I was promised to close by end of XX/XX/2020. My loan consultant was change, then customer service was getting worse. They were not returning phone call or email. I summited my loan as primary and I provided whatever was needed to consider this as primary. They kept on asking me one thing after another. They basically were thinking I was lying. Long story short- now it is almost 4 months. 2 weeks ago the underwriter want the appraisal changed and we went and change it. I thought that was the last thing. I called the customer service and confirm everything and he mention my loan was approved as primary and we wont have any problems. I got a call from loan consultant after 2 hours saying my loan is not approve and appraisal was not over turn. I was pretty much like someone just told me something else. Next day XXXX my loan processor called and said your loan is approved as primary and we want to schedule signing. She even mention my loan consultant made a mistake. My loan process and I work all day to set up signing in 2 days. Next day my loan consultant calls me again and said loan is not approved as primary. A day before my signing. At this time I was just super XXXX. I got on the phone with her manager and he was no help. ( I have emailed and called him several time but that guy always ignores me ). I went up to CEO and filed a complain. couple other managers got involved. We solve this situation out on Saturday after having a conference call. I was given a closing estimate and I made a decision on that. Monday I got the final discourses and they were charging me additional $ XXXX to whatever they send me couple days ago. Their respond was that it was mistake. I said AGAIN. I have wasted my 4 months with this company. This company is the worst customer service I ever being through. I regret closing my other loan with this company. I have all the proof where they have quoted me approval and pricing and how they came to me and change it. Very unprofessional and unexperienced people. Shame on Caliber to have people like working for them and giving customer so many different wrong information. I would like CFPB to look into this matter and hold Caliber Home Loan reliable. Financials institution just cant reply wrong information so many times to same customer. Thank you
Consumer complaint received 2015-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

This information is incorrect, and by law is required to be removed however experian has not done so. 
I have spoken with XXXX XXXX XXXX the creditors payment solution dept whom admits the information is incorrect. This incorrect information was removed from other credit reporting agencies yet remains on the experian reports a a negative factor. Per experian staff this case has been investigated, if this was true then why has n't experian abided by the law and removed wrong information from my credit report. Due to experians unlawful reporting of incorrect information on my credit report my ability to obtain credit and or receive the appropriate interest rates have been negatively impacted. 
I want this resolved expeditiously by removing the information from my credit report. 

credit report s proved to be a very