davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (FL)

I was approved for a XXXX credit card ( through Comenity LLC ) on XX/XX/2020. I applied because of a sofa purchase I was making on XXXX. There was a delay in receiving the sofa, so I was charged for it as a promotional purchase on XX/XX/2020. I was charged {$2200.00}, but XXXX credited me {$330.00} due to a shipping issue. Therefore, my balance was {$1800.00}, significantly over the 12-month interest-free promotional plan purchase minimum of {$700.00}. 

My first payment was due in XXXX XXXX paid on XX/XX/XXXX ). When I went to make my second payment on XX/XX/XXXX, I noticed that they had set me up with a 6-month no-interest promo plan. I called them and the representative logged my dispute. I called today to check on it and was told they sent me a letter today denying my dispute because customers only have 70 days to make a change to their promotional plan. 

This is a bait and switch tactic. They either made a mistake or intentionly put me on the 6-month interest-free promo. It is clearly an effort on their part to increase their revenue through interest earnings. 

I only applied for this card and purchased this sofa through XXXX/Comenity because of the promotional deal. I should get what I applied for and what is applicable to my purchase. 

I am awaiting the letter of their decline of my dispute.I have included the benefit detail that was provided when I was approved, a screenshot of my transaction history, and a screenshot of the promotional plan they are showing in my account and the current balance.
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN XXXX DAYS, INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-19
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. (FL)

Ive reached out CFPB multiple times in regards to an inaccurate account on my report listed below : 1. XXXX XXXX Acct # XXXX This account listed above doesnt belong to me and results my info being compromised. Ive asked the company to please remove this account immediately.
Consumer complaint received 2024-01-20
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. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc. (AL)

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of XXXX. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt.

* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt.

* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection.

* Immediately cease all communication attempts regarding this debt.

* Verify and validate the debt with documentation.

* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Consumer complaint received 2020-11-19
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: ERC (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I received a response from XXXX XXXX XXXX  XXXX " XXXX XXXX '' in relation to a billing error indicating XXXX  days late on my credit report. The company 's investigation after the response on ( XX/XX/XXXX ) has taken more than XXXX  days. I sent notice and ask the company of proof of the late payment or Notice of Late payment in relation to 12 CFR 1026 : Regulation Z 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred.

In addition, Section 217 of FCRA specifies that an institution must provide the required notice to the customer prior to, or no later than 30 days after, furnishing the negative information to a nationwide consumer reporting agency As stated in my previous claim, the account was paid on-time through duration and closed XX/XX/2022. Experian and XXXX are reporting " XXXX  Days Late '' in XXXX and showing the account closed in XXXX which is a result of a billing error. Again, the account was paid on-time and in full on XX/XX/2022.
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (MA)

Im looking to get these inquiries that I do not recognize off my credit report they have been on there for longer than the time frame they were suppose to be and most of them I do not recognize nor authorized for them to pull my credit.
Consumer complaint received 2021-11-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (CA)

Ally Bank didn't follow clear instructions on two forms to wire funds and claims to have sent funds via check. The check is still not received after 12 days. Many other mistakes were made and I still don't have access to my funds. 
I had a {$100000.00} CD in a Roth IRA about to mature on XX/XX/XXXX. I wished to have the funds wired to my brokerage upon maturity. Because I don't know the procedure, I called Ally and was told to arrange the rollover through my broker which I did on XXXX. The broker 's form didn't have wire instructions, so I called Ally and they instructed me to fill out and submit a DOMESTIC WIRE TRANSFER REQUEST and instructed me to submit it independently which I did XXXX. I proactively called to confirm that everything was in order and was assured it was. On XX/XX/XXXX, my funds did not arrive as expected. On XX/XX/XXXX I called to inquire and was told by XXXX that the funds had been sent by check ( even though there was no address provided by me ) and that the check would be received that day. It was not. I called back XX/XX/XXXX and talked to XXXX and insisted that a new wire be sent immediately and was told the procedure requiring an affidavit and indemnification and a 4-day wait period. She said she escalated my case and I'd hear back in 1-3 days. I did not hear back so I followed up and the escalation was set incorrectly, so it had to be restarted. When I finally heard back ( XXXX ) XXXX said Ally was working on getting the check back which I never requested and it would delay things further. He acknowledged Ally 's errors but said there would be no compensation. Even the lost interest, which is minimal, would require a lot of work on my part. 
I see that Ally has many complaints here exactly the same or similar to mine, averaging over one a month this year, and that's just what's reported. They clearly don't take this issue seriously or perhaps they are doing this intentionally to delay disbursing funds.
Consumer complaint received 2022-08-15
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. (GA)

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

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 an account without my written instructions.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-15
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I requested of Equifax there method of verification proving that an account that I allegedly had with XXXX  XXXX XXXX was been reported on my credit report accurately. This request was received by them on XX/XX/XXXX and almost two months later they have failed to respond to such a request and this is a clear Fair Credit Reporting Act violation. On the last credit report that I got from Equifax it states that the XXXX  XXXX XXXX Account went into a charged off status in XX/XX/XXXX and this is false.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Receivables Group, Inc. (NC)

Healthcare Receivables Group has opened an account using my personal information without written or verbal consent. A debt validation letter was sent to this company to verify this alleged debt and documents were sent to me in regard to this letter. The document contained personal medical information for someone with a name, dob, address, and a facility I have never visited that does not belong to me. This company has sent medical records and consent forms from the facility ( XXXX XXXX XXXX ). Healthcare Receivables Group has reported to the bureau incorrect and inconsistent information. Please investigate this company. I have also reached out to XXXX, XXXX and XXXX about this alleged debt that I do not owe. Also remove this alleged debt that I do not owe. I have explained to this company that this alleged debt is disputed. Healthcare Receivables Group opened an account within their facility using my social security number ( credit card for an open ended credit plan ) to collect payment on this alleged debt.
Consumer complaint received 2020-12-07
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. (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I do not have any documents with my signature with any of this companies.
Consumer complaint received 2019-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

Hi, I've just exited deferment and was looking into consolidation as a means to lower my monthly payment and shorten my repayment period. I've had my loans in deferment while I have started my own business. I used their repayment planning tool on Wednesday, XX/XX/XXXX at about XXXX ET. 

However, NelNet is clearly forcing me into a prolonged repayment term that benefits them. When I attempt to select a term-based repayment plan, I receive four options.

1 ) Standard, {$7500.00} per month, fixed monthly payments, 10 year term 2 ) Graduated, {$7300.00} per month, payments increase over time, 10 year term 3 ) Extended Standard, {$1900.00} per month, fixed monthly, 25 year term 4 ) Extended Graduated, {$1300.00} per month, payments increase over time, 25 year term If you do the math on the Standard and Graduated 10-year plans, the interest rate is about 36 %. 

This is clearly forcing me into the most profitable option for NelNet, and penalizing me should I wish to pay off my loans early. While I'm not an expert in Student Loan lending laws, I can't imagine this practice is within the law. 

In addition, my loans have been serviced by several companies over the past 17 years. I made steady payments for about 10 years while I was not eligible for an in school deferment or hardship deferment. However, because the loans were transferred so many times my payment history was lost. NelNet, the most recent servicer, is unable to give me an accounting of how my prior payments of nearly {$100000.00} were applied and why my principle has increased above the original loan amount for all but one of my loans. The prior loan services are no longer in business and I am at a loss as to what to do to 1 ) confirm the actual amount I owe, and 2 ) begin repaying that amount. 

Please help.
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C. (UT)

I have disputed this debt numerous times and this company continues to report on my credit. These charges are not mine they are a result of fraud and forgery. i have submitted affidavits many times and they continue to collect and report on credit.
Consumer complaint received 2016-07-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc (MO)

I had payment agreement with a medical provider to pay bill at {$25.00} every other week which I started immediately. Provider then sent account to collection in spite of agreement and then stated they are no longer collecting the item. I have attached several docs showing that I made a {$25.00} payment and then a bill after that from the medical provider showing they transferred the account to collection company as a bad debt write off in the amount of {$750.00} despite the fact that I was making payments as agreed. The collection company, Consumer Collections Management Inc. then sent me a letter stating they are collecting the debt and the amount went up {$150.00} for a collection fee, of which they can not validate that I EVER agreed to this with the original provider. This is a clear FDCPA violation. Also, they sent me the letter saying I had 30 days to dispute the collection in XX/XX/XXXX ( also document attached ) to which I responded in writing by certified mail right away and far before the alloted 30 days. ( I have attached the proof ), however they reported it on credit immediately and despite my letter, ignoring the law. Also they did NOT respond in 30 days or less after I asked to prove or validate the debt. Consumer Collections did NOT validate the debt or that I owe them as requested. When I called today and spoke with XXXX XXXX and told her that they need to send the validation that they can charge a collection fee or I they were in violation of FDCPA, I was transfered to the supervisor who refused to give her name and then she said she would send something in writing but the collection charges still stand and then hung up on me claiming I was being rude, which I was not and have a recorded call to prove it. This company is clearly operating by collecting debts using illegal tactics and ploys all while charging illegal fees for collecting debts without the legal ability or agreement by consumer to pay the fees with orginal creditor/provider. Luckily, I know my rights. I have sent payment to the medical provider for the {$750.00} dollars to satisfy the debt in full. I do NOT owe the collection company and insist that they remove the collection immediately from my credit and NEVER contact me again. Please help enforce this and advocate my rights and protect and honest consumer or I will hire and pursue legal relief and remedy to the fullest extent of the law.
Consumer complaint received 2020-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on XX/XX/XXXX and XX/XX/XXXX i contacted capital one 360bank about the funds not received from the bank which are {$1900.00} on XX/XX/XXXX I received a letter which is attached that states in 7-10 days they would mail out a check. They have not mailed out any check as of today XX/XX/XXXX. I have contacted XXXX that employee who has issued the letter and left a message. no return call and also the bank which direct me to her again and again not response from this employee. the bank has not illegally been holding my finds for over 18 Months now. I want my check mailed to me within the next week or I want this bank to be help accountable for the actions taken. I have been more than patient on this matter and I have a letter directly from a previous complaint stating they would mail a check and they still have not. Please step in and get this resolved.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

Diversified Consultants in XXXX, Florida put supposed debt of {$150.00} on my credit score without contacting me or attempting to give me any information on the supposed debt to XXXX XXXX. XXXX XXXX never sent bills or contacted me either.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

As I Was Saying On The Previous Screen I Wrote The Courts They Responded They Do Not Report Anything To Any Credit Reporting Agencies. I Wrote Each Credit Bureau Asking To Please Remove It They Replied As Verified And Accurate
Consumer complaint received 2024-01-20
Product: Credit reporting 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. (FL)

Un-Authorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX