davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Bread Financial Holdings, Inc. (MI)

Comenity manage 's XXXX XXXX 's consumer credit card. I paid a bill on XX/XX/XXXX ( XX/XX/XXXX statement ) and on XX/XX/XXXX ( XX/XX/XXXX Statement ). Then was hit with a late fee for not paying my XXXX statement minimum payment. When I called I was told I paid between billing cycles, which was true. However, when I checked my account on XX/XX/XXXX and XX/XX/XXXX my account portal stated that I had a {$0.00} minimum payment. When I logged in on XX/XX/XXXX I scheduled a payment of {$30.00} to be withdrawn from my account on XX/XX/XXXX for my XX/XX/XXXX statement. When my XX/XX/XXXX statement was available on XX/XX/XXXX is when the late fee was assessed. I contacted Comenity and was told I was late on my payments. When I finally was able to get the associate to see the full time line of payments and I explained to her that when I logged into my account to confirm if I owed a balance she told me that the online account system was irrelevant. Which is extremely troubling given I use that portal to manage my account the few times I do choose to use this card. If this portal is " irrelevant '' as I as told how am I then able to properly manage my account.
Consumer complaint received 2016-10-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I would like to validate the debt for XXXX. I do not believe the debt is mine and XXXX for {$72.00} is showing on my transunion credit report twice for the same amount. The XXXX is for {$210.00}. Not sure what is going on, but that is not correct. XXXX has deleted all three tradelines for incorrect reporting and i would like these deleted as well.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before, I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms, but insisted it was the " same '' card, something no reasonable consumer could determine. Despite repeated phone calls, escalation of my issue, and promises of a resolution and a response, I never heard back from anyone. On a call today with a supervisor, she acknowledged that they knew I was " ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry, despite having assigned a case number ), thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact, since the invitation was targeted and addressed to me, they could easily have determined that I was " ineligible '' according to their interpretation of the policy prior to sending the solicitation. I consider that a deceptive practice. If I had been properly informed, I would not have spent that amount of money on the card in the prescribed time and may have decided not to accept the offer.
Consumer complaint received 2022-07-15
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. (VA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. 
XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2020 XXXX XXXX IN Date of Inquiry XX/XX/2020 EXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX  Date of Inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I sent multiple complaints including on XX/XX/23, XX/XX/23, XX/XX/23. I have approximately {$170000.00} in one loan, and {$43000.00}, {$40000.00}, {$47000.00}, and {$47000.00} in 4 other loans. I have requested consolidation back in XX/XX/23 and then again more recently on XX/XX/23. The incompetence of Mohela has resulted in me missing 6-7 PSLF payments , with more to come, as I only have 1 PSLF payment counting towards my {$170000.00} loan that is reflected on the Mohela website. 
My full ( approx ) {$340000.00} in loans are still not reflected on Mohela, and my monthly payments have not been counting towards PSLF. This quite frankly is costing me thousands of dollars and time. My tax document from Mohela reflects {$14000.00} in " student loan interest received by lender '' yet none of my payments are going towards the SAVE plan. 
This is beyond frustrating and no doubt illegal.
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX,
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-07-15
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. (GA)

Despite the multiple written letters I sent to XXXX and TransUnion Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. They have also failed to comply with the Fair Credit reporting act section 605b which requires the XXXX XXXX to remove any accounts aninformation that resulted due to identity Theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The Credit Bureaus never did a proper " investigation according to the FCRA. 

The California Civil Code Section 1786.2 defines an " investigative consumer report '' as a consumer report 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. 

They did not do this. 

Also they have violated my rights even more, In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible when they never did a proper " investigation according to the FCRA ''. 

They also violated the law because according to 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
Consumer complaint received 2022-07-15
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. (CA)

I am disappointed to discover that Transunion did not amend my credit record or totally remove the fraudulent items. In my most recent correspondence with the credit bureaus, I demanded that they produce evidence supporting their assertions that the accounts I am contesting actually belonged to me. Transunion still hadn't sent me any proper proof. I find it aggravating that the credit bureaus have refused my requests, violated section 605b of the Fair Credit Reporting Act, and have continued to record the disputed accounts without the necessary justification. Let me remind the credit bureaus that they are required by FCRA section 605b to delete any items and information that were obtained as a consequence of identity theft and were listed on an ID THEFT REPORT. I'm inclined to file a lawsuit against the credit bureaus to compel them to update my credit report. I'm hoping that by filing this complaint with the CFPB, the credit bureaus would act right away and entirely delete the disputed accounts from my credit report. The following elements need to be removed : XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-02-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I already have one complaint filed. My loans were changed from XXXX XXXX to Mohela in XXXX. With XXXX XXXX  I was approved for a XXXX dollar payment for 12 months on the save plan. When I got moved over to Mohela they changed my payment to XXXX dollars. After numerous attempts of calling to get to a supervisor, I finally was told to upload my letter of approval and that they would fix it. I called again on XX/XX/XXXX to check on the status and was told by a rep that If I reapply he can fix it that day. I say great I give them all my tax information that they needed and he said I was approved for the save plan with a XXXX dollar payment. I was told this will take time for processing and to watch to make sure its processed before my forbearance runs out. I get an email on XX/XX/XXXX that my IDR was approved. I login to pull up letter and the payment shows XXXX dollars instead of the zero I was told it would be by the supervisor I spoke with in XXXX and the representative I spoke with in XXXX. With XXXX XXXX  it was XXXX a month based off my same tax info and I had two billing cycles. Before I was switched to mohela and the payment amount was the correct XXXX a month. I have been running in circles with mohela for months now trying to get this fixed and they are not taking care of their errors.
Consumer complaint received 2024-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (VA)

I opened a XXXX XXXX credit card and after XXXX weeks I asked them if the card can be used everywhere and the agent told me no so I told him to close the account that's what he did. After a month, I received a bill for {$89.00} automatically. I let them know that I didn't use anything to get a bill, they reassured me that the account is closed, after XXXX months with a closed account I receive a bill {$160.00} I called again following the hold it went up to {$360.00} and until the month of XXXX where I received a bill for {$1300.00} and I am really confused and they report me and take down my credit and I argued, without further action after that I argued for the second time and they let me know that I had to use cart for online purchases and I even made a purchase in a store in mississippi but I never went and I was at sea. they say that I even received packages from my online purchases which I don't know. I don't know how you can use a card that is closed after XXXX weeks? how can I make a purchase in mississippi while at sea? Why would you want to charge me for something I didn't spend a cent on? the proof is that they say they sent me another card and that I used it during our exchanges. I asked how did you activate this card since I never had to spend or activate this new card and it was sent to my old address but I was no longer there. and I never asked them for a new card. in addition they opened a synchrony bank TJX account that I never requested to open and I don't understand why I am report after 6 months where we had resolved this problem? today, they are talking to me about scales of {$860.00} and why that is no longer {$1300.00}, a lot of irregularities. So help me because I don't know if we should go to court for this, I am ready to go because I won't know how to pay for something that I have never spent.
Consumer complaint received 2022-11-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK (CA)

I made four payments in the month of XXXX and XXXX. They only applied one payment. I sent them bank statements and have been trying to call them multiple times and every time after waiting hours they hang up on me!!

Theyve reported late payments for the last two months and my credit score has dropped XXXX points!!!
Consumer complaint received 2022-07-15
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX XXXX XXXX,
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I am a XXXX veteran on a limited income. I 've been called multiple times by Navient regarding payment of my loan. I am on a payment program that was set up between Navient and myself. I am getting close to retirement, and will be bringing in less money per month. I have contacted Navient several times regarding forgiveness on this loan, but nothing has been done on their part. Just last week a representative from Navient called my work multiple times during several days, of which we are not allowed to receive personal phone calls on company time. I told them that, and again today I received another phone call not only on my cell phone, but also on my work phone. I told the representative that I had been called last week and told that person that I would be making my payment this coming Friday. He then stated " oh yes, I do see that you spoke with someone from our office. '' over the past several years, I have been trying to make my monthly payments to Navient, but at times do not have the finances to make the payments. I am XXXX years old and still making payments on A loan from many years ago. I am still trying to get Navient to forgive my loan, but so far unsuccessful.