davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX and XXXX I was told by my credit card company the late payments would be removed from my credit because my account was closed due to a misunderstanding and the account is still open. Also I wasnt sent a bill but Transunion XXXX XXXX  refuse to adjust my report
Consumer complaint received 2021-05-07
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. (NY)

I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 time before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (FL)

I called the company Zwicker & Associates that has been calling me about a debt they say I own. I tried to find out the balance of the alleged debt owed and they told me " around {$7200.00} give or take ". My credit report does not list this company and the original debt is for XXXX XXXX and it says {$6800.00}. Also when I contacted them via telephone, I asked the company to not contact me by phone anymore back in 2019. After requesting that I was not to be contacted via telephone I still received phone calls. Furthermore, when I called I spoke to a manager and he was very aggressive and unprofessional.
Consumer complaint received 2021-03-29
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. (TN)

I am a victim of XXXX. As soon as the pandemic started in late 2019, I was XXXX  and was unable to work. I have a total of 2 missed payments from XXXX and XXXX of 2019. I have sent multiple goodwill letters asking for forgiveness as I am a victim who suffered from this pandemic. The company nor the credit bureaus have taken any action. I have made consistent on-time payments before and after the late payments occurred. I would like them to be removed because I am a victim of Covid-19.
Consumer complaint received 2021-03-29
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. (MO)

My name is XXXX XXXX and I am submitting this complaint and there is no 3rd party involved. This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2021-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WA)

Navient has recently charged me a late fee on my account. I submitted a payment for my XX/XX/XXXX on XX/XX/XXXX, however, the payment was declined by Navient as an incorrect routing number was submitted for this payment unbeknownst to me. Email confirmation I received should a valid payment. 

I recieved a late fee due to this and have contacted Navient regarding this. Navient has stated they would not reverse the fees due to the fact that recent late fee was reversed as a courtesy and they could not do this at this time. 

I explained that the late fee I was charged in XXXX was paid in my payment and there was no late fee to reverse charges on. 
Furthermore, I paid the late fee in XXXX without knowledge or notification of what the late fee was for. At that time my XXXX and XXXX statements both showed a late fee for the same amount that had been paid. 
I called Navient to find out 1. ) what was the late fee for and the time period it had transpired. 2. ) how long would these late fees be charged and I could not gather information on when or why this was occurring. I have a previous complaint regarding this matter.

I was told by the CS representative that when a late fee is charged to the account the customer needs to call Navient to have any future bills cleared on the statement or they will continue to show on future billing statements. I was informed that the late fees dated back to XXXX and XXXX. I was not informed of this that I can recollect and have not located information warranting this action taken on Navient 's behalf. 
I have sent Navient a reply email stating that I am formally disputing this new late fee and am awaiting a response. 

Navient 's billiing/financial practices are unethical, damaging to consumers and Navient needs to be held accountable for their lack of ethical business practices.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  ; Experian and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX account XXXX ; XXXX XXXX XXXXXXXX account XXXX ; US BK COURT account XXXX ; XXXX account XXXX XXXX XXXX account XXXX ; and XXXX XXXX  XXXX account XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2020-05-04
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. (TX)

ftc violations attached and listed that did not have room on the FTC report {$440.00} Open balance XXXX XXXX XXXX XXXX  Original creditor ftc violations
Consumer complaint received 2020-05-04
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$1300.00} XXXX XXXX  XXXX  XXXX {$2300.00} XXXX   XXXX  XXXX {$0.00}
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: KEYCORP (NY)

My card has been taken by the ATM machine, and i need the bank send me a new one to replace. But i try to contact them thousands times, no customer services help me. 
They said they have a lot of customer services help us through phone, but it is a lie! a lot of customers called them thousand times, but no answers and reply. I try to contact them on XXXX, XXXX, XXXX in the morning, because they said they work 24hr/7 days. but it is a lie. I spent 4 hours on hold just to be hung up on. Ive been calling all month, until now my problem still not solved. Horrible Horrible customer service! I can not withdraw money because i don't have card.
Consumer complaint received 2020-05-04
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. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Back in XXXX XXXX I went to California for vacation and I lost my wallet with my Credit Card and Phone with Bank Information , Social Security Card and some cash in the taxi. When I realized, I Immediately filed a police complaint. I didn't know after filling a police complaint, I have to call my bank and all my credit card company to notify them about my lost things. I thought after I filed a police complaint they will get notified automatically. Which I made mistake and now I'm the victim of Identity Theft, and also, my credit is messed up and all my account is in collection department and I owe lot of money. 
Now I'm trying to fix everything, So I started communicating with them from XXXX and tried to dispute all those charges and account. 
So, specially in this financial hardship situation, if someone can assist me, I would be really grateful. 
Looking forward for a reply soon.
Consumer complaint received 2022-04-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-04
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. (AZ)

THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT XXXX+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX., XXXX XXXX XXXX!!!
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (GA)

WellsFargo put " Credit Review Hold '' on my XXXX request to transfer a credit balance of {$3100.00} from our WellsFargo Visa card to one of our WellsFargo checking accounts. They've told me the Credit Review Hold was placed because my transfer request was over {$2500.00}. They also told me that the transfer may take 30-days to be made. The credit balance was due to two XXXX airline ticket refunds by XXXX XXXX amounting to {$3200.00}. This refund amount was reduced by a {$110.00} restaurant charge on XXXX before my XXXX transfer Request. This is a WellsFargo account to WellsFargo account request that historically has been made in 1-2 business days following our transfer requests, albeit for amounts under {$2500.00}. I appealed the projected length of time to complete transfer to WellsFargo Bank Supervisor at time of transfer request with only response being issued a Complaint # that someone at WellsFargo may call me about with-in 10-business days. We're long time customers of WellsFargo with Excellent credit rating and large balances in our checking accounts. I'm of the opinion that WellsFargo is purposely delaying transfer to take advantage of our money.
Consumer complaint received 2020-05-04
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. (AR)

My identity has been compromised. I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$550.00} US DEPT ED XXXX {$530.00} USDOE/XXXX   XXXX {$4900.00}
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IN)

Experian is unable to verify my identity and I believe they have me down in their system as a minor. I am unable to do anything on their website or telephone system because they either don't ' have a human being I can talk to or their website will not recognize me.
Consumer complaint received 2020-05-04
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. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$2600.00} XXXX   XXXX XXXX {$450.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$390.00} XXXX XXXX  XXXX {$760.00} XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I PAID OFF THE CAR LOAN AND XXXX XXXX XXXX IS FRAUDULENTLY REPORTING THAT I STILL OWE MONEY TO THEM. XXXX XXXX XXXX HAS BEEN CONTACTED MANY TIMES VIA XXXX AND THE FRADUSTER STILL FRAUDULENTLY REPORTING THAT I STILL OWE. 

XXXX XXXX XXXX HAS NOT GIVEN ME THE PINK SLIP. THIS IS A FRAUDSTER.
Consumer complaint received 2020-05-04
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX i applied for the sba ppp loan under the care act with bank of america. on XXXX i uploaded the documents that they requested and got an approval email from them on XXXXThe loan is based on your average monthly payroll. it states on their application that new businesses should use their payroll from XXXX ( my business was only open for 6 months in XXXX ) so that's what i did and applied for {$57000.00} ( my payroll was {$22000.00} on average ) I indicated on the application that this is for XXXX and that i also attached the requested form for XXXX in case they want to go with the XXXX. i XXXX   2 locations one in XXXX  and one in XXXX  so i have 2 adp  accounts so i sent them XXXX XXXX forms ( one for each state for each year ) whoever processed the application only look at one form for XXXX and divided it by 12 months and got me approved for {$5000.00} instead of the {$57000.00} and now i cant accept the loan becasue on of the terms is that you'll hire back all of your full time employees and i cant do that with just $ XXXX.My location in XXXX  is inside XXXX XXXX   the military base serving military personnel and we've been losing money for the last month and a half and i had to cut all my employees hours. We were counting on this loan to keep our doors open and keep paying our employees.on on XXXX i called bank of America and waited 2 hours and XXXX minutes on the line just for the rep to tell me there's nothing she can do and there's no one you can talk to regarding their mistake.on XXXX i went into the bank of America XXXX branch and they didn't want to help me as well and just said they'll send an email to someone from their business department.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

On XX/XX/XXXX my XXXX XXXX XXXX XXXX was a Total loss have a remaining balance of XXXX for my gap Insurance to pay my gap insurance needed my contract and payment history from my line holder which is Kia motor finance but my lien holder Kia Motors Finance dont have my contract no where on file .Then Kia motor finance submitted the wrong finance amount in there system that I have on My original dealership contract that I signed. I then told Kia motor finance how do you have no contract when you bill me statements every month with the right Monthly payment they never have no answers I call them everyday I talk to All the supervisor in there they tell me they All tell me they have to wait till booking department emails them back because the booking department is the one that gets the contract from the dealership and has to put it in the system so they can see it in there their system .with that its been A month and a half and there is still no contract and still no reason how they put in a wrong finance amount. Every time I call they just keep telling me we will email the booking department. And then Kia motor finance is still billing for that balance XXXX And also Billing me late fees due to their actions they dont have my contract that I can give to my gap insurance are any questions on how they have the wrong finance amounts on their behalf .so my gap insurance cant go on with the pay out till they respond and have the contract Kia Motors Finance is still telling me I still need to make the payments when there at fault for this Because of their incorrect actions they made. Now it affected my credit score real bad I ask Kia if they can put a hold on the payments till they get the contract from there booking department because there at fault for this they told me no they cant and steel charging me late fees even when they no they dont have a contract on file and wrong finance amount .I cant pursue on with the gap Insurance pay out until my Kia Motors Finance fixes their mistake they made one there end which I never get answers from them and I called them every day and they tell me the same thing over and over. My gap only gives up to 6 months its been since XXXX I been dealing with this .So basically my Contract I financed at the dealership doesnt match Kia Motors Finance XXXXount in their system and they dont have no contract in their system They basically messed up my credit score and my life Causing my credit score to drop majorly..I even took upon to write a letter to their legal department to their headquarters and to their customer complaint
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.