davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

comenity bank/XXXX reward XXXX credit card holder has been notify by bank they will discontinue the program, the problem is they don't want to redem your eran point, * their website does not give you option to redeem your point * they do not answer the phone call * if they answer after XXXX hr. waiting time, they give you all kind of excuse and at the end " sorry we can not help you at this time '', call back * its been more then 1 month i'm calling them to get my over XXXX point redeem,
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX and I received a response that my loan is in suppression. 


Upon reviewing the information provided, I have identified inaccuracies in the reported amount owed, which is adversely affecting my credit worthiness. 

I request that you provide evidence supporting the claim that I owe about {$86000.00} to XXXX, as the information currently available is insufficient for me to verify the accuracy of this amount. Furthermore, I believe that this suppression violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, consumers have the right to accurate and complete information on their credit reports. I am specifically referring to Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.

I kindly request that you conduct a thorough investigation into the discrepancies in the reported amount and provide me with detailed evidence supporting the claimed debt of {$86000.00}. Additionally, please ensure that all information related to my account adheres to the accuracy requirements outlined in the FCRA.

I appreciate your prompt attention to this matter and request that you provide the necessary documentation within 30 days, as stipulated by the FCRA. Failure to comply may result in further action to protect my rights under the law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-03-07
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: CAINE & WEINER COMPANY, INC. (IA)

This company is reporting constant late payments on my account, however the account is not mine whatsoever, I called and spoke to them and told them they were reporting incorrectly, they then told me they were going to continue to report anyways. I asked for the original documentation and contract that was supposedly mine and they emailed me a blank pdf file with some non-sense written on it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-09
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. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US BKPT CT XXXX XXXXXXXX XXXX XXXX has violated my rights.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

Since XX/XX/23 I have been calling Department of Education, XXXX, and MOHELA to accurately report that MOHELA purchased my loan and that my Department of EdXXXX XXXX XXXX paid in full/transferred. To date, MOHELA has hung up on me, refused to accurately and fairly report the change of loan servicer, and told me to go back to XXXX who per The Dept of Ed Ombudsman can not fix the issue. It MUST be reported by MOHELA. 

This action is doing REAL physical and psychological harm to me as an individual. I am at risk of losing the home I live in because the landlord wants to sell the property and I can not purchase it with this erroneous and illegal reporting on my record making it appear that I owe {$130000.00} on my student loans instead of {$68000.00}.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Off Set & Identity Theft & Bank Fraud By Applying Funds To Loan Without Contract While Trying To Locate My Federal Tax Refund I Call The Irs and They Performed A Check Trace. Representative Stated That XXXX Tax Refund Was Deposited In Navy Checking in XXXX XXXX. 
Now On XX/XX/XXXX I Called Navy Federal And They Advised Me That Checking Account Was Closed So They Cashed Refund Check To Pay Off Loans Someone Fraudulently Opened in My Name.

After Speaking With The Navy Federal Credit Fraud Department They Told Ne They Have Right To Off Set Account Because I Signed A Security Interest and Disclosure Granting Permission.

It Should Be Noted That Navy Federal Has Failed To Provide 1. Copy of ID Used
To Open Loan.

2. Copy of Signatures.

3. Copy of How Refund Check Was Used 4. They Never Answered Questions About Why They Took Funds Sent To Closed Account and Never Returned Back To Irs.

5. They Failed To Provide Investigative Procedure. 
6. They Are Reporting Inaccurate Information on My Reports.
Consumer complaint received 2022-01-17
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. (NC)

Someone used my identity to create a XXXX XXXX credit card account on XX/XX/XXXX. This account was used to purchase 2 XXXX game consoles from XXXX and 2 XXXX  game consoles from XXXX. 

I called XXXX XXXX on XX/XX/XXXX, explained the situation to them, and asked them to close the fraudulent account and remove the item from my credit report. I was assigned case # XXXX. 

On XX/XX/XXXX I mailed a completed " fraud packet '' to XXXX XXXX. 

On XX/XX/XXXX I left a message for XXXX XXXX 's ID theft department ( XXXX ), asking them to close the fraudulent account and remove the item from my credit report. 

On XX/XX/XXXX XXXX XXXX ( Experian XXXX representative ) and I got XXXX XXXXXXXX on the phone, and we were told to send an email to XXXX, which I did the same day. 

On XX/XX/XXXX I received XXXX XXXX letter, dated XX/XX/XXXX, indicating Our investigation confirmed someone using your personal information fraudulently opened the account ending in XXXX. 

XXXX and I tried repeatedly between XX/XX/XXXX and XX/XX/XXXX to talk to XXXX XXXX to get them to remove my account information from my credit reports, but we were unsuccessful.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (CA)

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit. I want all negative items removed or deleted from my credit report because you are in direct violation of the FCRA.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings (GA)

After opening a complaint, I finally received information on the debt that the company is attempting to collect. I looked at the documents and the balance listed is not what they are trying to collect. My contract with XXXX was cancelled because I was no longer at the contracted address and I did not want to sign a new contract. Documents to cancel were sent to XXXX in XXXX. When I contacted Zion, I was asked if I still had the document and I stated I do not. This account was from XXXX and it's XXXX. When looking on the document Zion purchased the debt XX/XX/XXXX. They sent the communication to an address that I am not located at. I'm no longer even in the state. I spoke with Zion and asked why I receive late fees and interest for an account I never knew of and received no response. I also relayed that I can pay the amount of {$380.00} which is the balance owed to XXXX, but I will not pay {$970.00}, because I didn't " even receive communications from XXXX in reference to balance, charge off, or even collections. I am a veteran on a fixed income and if they want to resolve this account they can recover the {$380.00} and close the account, or remain open with no collection at all. Based off the text in the invoice sent to my email, they have had this account for a year and never contacted me or tried to verify that it was an accurate account.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (MD)

Based on a letter I received from XXXX dated XXXX, my loan account was transferred to MOHELA effective XXXX. I received a letter from MOHELA dated XXXX welcoming me and informing me that they now controlled my loan effective XXXX. ( See XXXX Acct Letter, MOHELA Welcome letter attached ) Based on views from all three credit reports, XXXX nor MOHELA updated my credit report with this information. I reviewed and have filed 3 disputes regarding incorrect information sent to XXXX, XXXX and XXXX from XXXX. All three credit reports sent information stating that XXXX stated that my loan was in good standing, active and the loan balance of XXXX is still being reported as {$92.00}, XXXX Since XXXX no longer owned my loan effective XXXX, XXXX had no knowledge that I had received a letter from MOHELA dated XXXX informing me that I had received from the Biden-Harris Administration 's Income Driven Repayment ( IDR ) forgiveness and my loans were PAID IN FULL effective XXXX. ( See attachment IDR forgiveness letter indicating zero balance ) Each time I submitted a dispute with each credit bureau ( XXXX, XXXX, and XXXX ), XXXX continued to report there was a balance. How could XXXX know if there was a balance if they transferred my loan? XXXX failed to update their records with the national credit bureaus indicating that MOHELA was my current loan service provider. 

MOHELA has also failed to provide the information to the three credit bureaus that they were the last loan service provider for my loans when I was given the IDR forgiveness on XXXX. To date, MOHELA is not listed as a service provider on my credit report. 

This fraudulent reporting from XXXX has impacted XXXX, XXXX, and XXXX from reporting my current credit utilization on my credit reports which also impacts my credit score. 

As of XX/XX/2024, XXXX is still reporting that the XXXX XXXX XXXX loan balance is still active and has a balance of XXXX, XXXX. As of XX/XX/2024, XXXX is still reporting that the XXXX XXXX XXXX loan is still an active and open account with a balance of XXXX, XXXX according to XXXX. ( See attachments ) Please review the attached documents regarding my student loan accounts and assist me by updating your information on my credit report. This letter has also been sent to the FCRA and XXXX XXXX Consumer Financial Protection Bureau to assist me with my complaint. 

In closing, I do not have an active educational loan and my loan should reflect a zero balance and not a balance of {$92.00}, XXXX. 

Thank you for reading my email and your attention to this email.
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

CCFPB complain XXXX closed without being resolved. Left feedback on complaint, but filing another complaint to re-open original issue. Loan shows as in forebarance until XXXX. I did not request forebarance. Unable to make auto payments or voluntary one off payments for any of my loans, but they continue to accrue interest. Website not working and customer service non-responsive with exception of response to initial CFPB complaint. Can not get statements showing interest accruing and accounbt showing no payment due, but principle plus interest accruing at a rate of over XXXX XXXXMonth and no ability to make any payments against my student loans. I want to see this fixed, a nd want all accrued interest since repayments restarted refunded under the ffederal program for servicers that are still not operating properly under their contracts. THis is frustrating and I am going deeper in debt, even though I have the resources to make payments and pay interest plus each month. I have screen shots of everything and outside of the original CFPB response, it is impossible to get through to Aidvantage customer service or get a response in any timely manner. this is FRAUD!
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

Numerous attempts were made thru XXXX, contacting Well Fargo, requesting paperwork to re-modify the mortgage loan. I was always promised paperwork but never received any such paperwork. I was in an adjustable rate mortgage loan, having to refi every couple of years. On XXXX occasion, I was forced to take XXXX from my equity just to refi the loan. There was XXXX existing loan, as the XXXX had been paid off. Unfortunately, I ended up loosing my house to a forced foreclosure, with Wells Fargo escalating the mortgage. I came home from court and my house was ransacked with all my belonging out in the driveway on a rainy day, with people left to pilfrig thru my personal belongings to take as their own. There was no entry log documenting the list of items removed providing a log, listing my possession 's removed from the house and disbursed my goods to the driveway. I ended up loosing my stuff due the weather elements, ( rain ) and being tossed out in the driveway in XXXX big heep. Forced foreclosure XX/XX/XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

My credit score has not improved very much even though I have a long credit history, ( XXXX ) years. I make weekly payments on my credit cards, my credit usage is always under 30 %, and I never make late payments.. I have had my credit score drop at times for no justified reason at all without explanation. My score should be in excess of 800, if the credit reporting agencies along with the credit card companies were reporting my information accurately I am requesting the CFPB do a thorough, and address my concerns fully. Thanks in advance...
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Basically I made payments on my card to lower the balance of my credit cards on capital one. At first my quicksilver and Savor card were paid off and I used them. I paid them off after I bought many things. Did not think twice about it and on XX/XX/XXXX my payments were reversed and returned. Then they decided to restrict my account. I sent them proof of who I am. I sent everything even though I did not want to send my social security due to privacy reasons. Nothing has been gotten back to me. My payments are going through and then returned several times. I wish to use my card again and for the amount to post or well basically if it's possible to have these cards at XXXX and just close them because I will not be paying a bunch of times for it to be returned even though I was just using the card to purchase something.
Consumer complaint received 2022-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (FL)

Hello my name is XXXX XXXX. For the last XXXX years I have received an bill for escrow shortage for my loan. The first one on XXXX was less then XXXX and they raised my loan {$200.00} with a payment of {$800.00}. In XXXX I received another shortage of escrow for XXXX which raise my bill {$750.00}. I sent a payment for the escrow on XX/XX/XXXX for the amount of {$5800.00} even though I do not understand the shortage and their online payment history is not clear on were the payments are being allocated to. I call and spoke to a rep that informed me that the check that was sent for an escrow payment went towards payment for the mortgage. When I ask why they allocated my funds to something other then what was specified she replied that a full payment had to be sent to go toward escrow. The phone then disconnect and I was not reached out to again. I then emailed them to have it documented and called again and asked to speak to a Manager. The manger told me she would have the escrow payment fixed but could not fix the payment for XXXX. Now it is XXXX and my payment show again {$2600.00} owed. I dont know what else to do and I can not afford a payment this high. The reason I purchased a home is to have a stable amount to pay. I went from {$1700.00} when I closed to now {$2600.00} that seem extreme to me. Can you please help. 

Thanks XXXX XXXX
Consumer complaint received 2022-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

I was a couple days late on a credit card. I couldnt log in so I called the credit card company spoke to an associate that told me if I paid card off in full that theyd wave the late fee. I done as they asked. I received a bill for only a late fee 2 Months later stating it was double {$70.00} plus charged me interest on the late fee. I done as they asked. I still had to pay this to get my account cleared up. However, the associate did knock off some of the $ and they reported me for late fees and interest not any kind of purchases I made after I was told the late fee would be removed if I paid my bill in full as I did. I will never use this card again. They are desperate and hard up to lie to me to get me to pay my balance and still put me as late on my credit report. They are the only late credit card on my credit out of about 12 credit cards.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (KY)

XXXX, XXXX and LexisNexis are continuously inaccurately reporting my personal information monthly, and I request immediate correction. Please delete these names XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, my address is inaccurately listed as XXXX XXXX XXXX XXXX, MI XXXX on my credit reports. This information is not entirely accurate and must be deleted. Under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited to furnish any information relating to a consumer to a consumer reporting agency ( CRA ) if the person knows or has reasonable cause to believe that the information is inaccurate. These credit reporting agencies reporting of my information is a violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Furthermore, these CRAs do not have my consent to share my personal information with any individual or corporation, violating my right to privacy under 15 U.S. Code 1681b. I am providing accurate information regarding my name and address with my lease, utility bill, and driver 's license. I request that you correct my personal information as outlined above.
Consumer complaint received 2022-01-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

Noticed this was on my credit today XX/XX/17. Called them immediately to handle it, they had an incorrect address on file and I requested they pull it off my credit for 30 days to give me the chance to pay it without it damaging my credit. In response they cited the Fair Debt Collection act and said they would not do so. The Fair Debt Collection Act also tells them they have to provide written notice to me, which they failed to do since it was an incorrect address.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX an unauthorized bank wire of {$8700.00} came out of my Citibank account without my knowledge, without my verbal consent, and without my written consent. I was made aware of this about a couple hours later when I blocked my account. I then filed a notorized affidavit with Citibank the following day on XX/XX/XXXX. Since then I have filed police reports with XXXX, FBI, online fraud, and XXXX 

They have not found a resolution, nor have they credited my money back.