davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off XXXX  XXXX account acct # XXXX to Portfolio Recovery Assoicates LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the portfolio receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more  months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,, Cont Issues, Yes I Received ( 2 ) Letters,, Explaining The,, Unathorized Bank Account Settlement Claim Website,, Went To That Website, Too Many Times And Got The Same Response,, The Amotated Machine Said They Where,, Very High Call Volume And Put Me On Hold For About,, 5mins And Then Hang Up Repeatly, So I Just Stop Calling,, This Was Very Frustrated,,,, And I Called Again On,,XX/XX/2020,, Same Response,, Call AOn,,
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (PA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Ally FInancial- XX/XX/2019 I am not sure how this happened. I believe that I have made my payments to you when I recieved my statements. My only thought is that the monthly statement never came to me.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NC)

Ive been a member with American Express since XXXX. I had a {$10000.00} credit limit. I am a XXXX and have been one for the last 26 years and have been a XXXX XXXX the last 12 years. During the later part of XXXX and early part of XXXX. I made 3 major purchases with my American Express Card. I bought a ergonomic chair for my son since he was schooling at home for about {$350.00}, a deep freezer for {$350.00} and an online class so I can learn the technique to do my own hair called XXXX. The freezer was supposed to deliver on XX/XX/XXXX. It was never delivered. I called XXXX on XX/XX/XXXX to see what was the delay, worried that they would tell me that it could not be delivered. The customer service agent said that they would email the vendor to see what happened and to give them 24hrs to reply. I waited until the next day and seeing that I didnt get a reply from the vendor I reluctantly went to the XXXX website to purchase another freezer. All that was available were commercial freezers, costing {$1800.00} or more. I was concerned that the original freezer I purchased wasnt going to be delivered so I went ahead to try to by this commercial freezer even though I did not want to charge that much to my card. I tried to complete the transaction 3x and it didnt go through. I went to the Amex App to check my account and saw that the credit limit was lowered to {$1600.00}. I then called Amex to find out what happened. They said that my limit was lowered they said it had been recently lowered. I said I never got an email about it. The customer service agent said because it was done today, I said what time today but he said to me he didnt know when. So I then said when o was trying to purchase a freezer to keep food in preparing for a possible food shortage Amex decided to lower my credit limit? Even when my debt to income ration was steadily lowering over the past year, 3 creditors increased my credit limit and I had no late payments? Also my credit score was steadily increasing as well. Amex said I was high risk and thats why they dropped my credit limit. We also know dropping my credit limit increased my debt to income ratio and as of yesterday my credit score dropped 71 points. I did not deserve this! I have a steady income and a secure job. I have not paid any late payements, my Dept to income ration was steadily going down and my credit score was going up. What is the purpose of having a credit limit of {$10000.00} but when you go to use your credit its dropped as youre trying to use it. I wasnt delinquent on any payments to Amex or any other creditor in many months. I feel slighted and disappointed and I didnt deserve this treatment.
Consumer complaint received 2020-06-22
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

There are several closed accounts on my XXXX, Equifax, and XXXX  credit report that are extremely outdated and need to be corrected by being removed. Also Equifax, XXXX, and XXXX   are reporting unverified information on my reports.
Consumer complaint received 2019-10-24
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Dates/Months Contacted NAVIENT : XXXX, XXXX, XXXX 2019 I secured loans for {$15000.00} at 6.8 % from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WI XXXX. 
The loan was sold to Navient Corp. I continued to make payments. I realized the balance of my loan was not decreasing. When I contacted Navient about the matter, I received a response that was the equivalent of a Form Letter that did not specifically answer my questions. 
I contacted an attorney and asked that a letter be drafted requesting very specific information : ( 1 ) definite capitalized interest, ( 2 ) how is interest capitalized, ( 3 ) what interest accrues during forbearance periods and how the capitalized interest is calculated, ( 4 ) what is the duration of the capitalized interest.

The response I received from Navient Corp. was the same Form Letter I had received earlier. None of my questions was answered.

After years of making payments, I owe more than I borrowed. I have made several attempts to resolved issues with Navient Corp. in light of the fact that Navient has been sued by the Consumer Financial Protection Bureau, I am requesting assistance to have my loan considered paid in full. I have over 15 yrs of service with the XXXX XXXX XXXX ( XXXX ).

Id appreciate your office looking into Navients practices of providing bad information, processing payments incorrectly and lack of response to borrowers questions/concerns. 

Thank you for your assistance and cooperation concerning this matter
Consumer complaint received 2020-06-23
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Secured Credit card opened without my knowledge but appears on XXXX credit report, carries a balance has been active > 90 days and is impacting my credit score. Have tried to contact customer support at both companies and they could not resolve issue. I do not see the card listed under my account details when I log in to my bank account. I believe this may be a technical issue
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CFPB Complaint Against Capital One XX/XX/XXXX Capital One has repeatedly failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions by refunding charges for products that were neither delivered nor received. 

After XXXX XXXX. ET on XX/XX/2020, Capital One rebilled {$99.00} for a disputed transaction on a product ordered that was NEVER received. A fraudulent ad was posted on XXXX by the XXXX XXXX on XXXX. The fraudulent {$99.00} charged later appeared as a company named XXXX XXXX. Neither the weights nor the weight bench that was ordered were ever received. NO DELIVERY VERIFICATION WAS EVER PROVIDED BY CAPITAL ONE AS NO DELIVERY WAS EVER MADE. Despite the fraudulent charge and no product delivery, Capital One wrongly rebilled {$99.00} to the account and failed to honor MasterCards Zero Liability policy. 

The prior week, Capital One promised to provide credits in the amount of {$61.00} that XXXX charged prior to a Major League Baseball season that never started and {$110.00} for XXXX whose season was also interrupted by COVID-19. Although both credits were promised a week ago by Capital One, the company never provided either credit. 

Capital One also previously failed to honor MasterCards Zero Liability policy for disputed and fraudulent transactions when XXXX XXXX  charged {$540.00} for an appraisal that was only to be authorized when the banks mortgage approval was conditioned only on such an appraisal. While XXXX XXXX  officer, XXXX XXXX XXXX and her manager, XXXX XXXX both guaranteed that no appraisal would ever be ordered unless XXXX XXXX XXXX approval was conditioned only that appraisal, the bank declined the loan and then processed the appraisal charge that was never authorized per the agreement of both XXXX and XXXX. 

Capital One has unjustly charged a total of {$810.00} and has failed to honor MasterCards Zero Liability policy as none of the products charged for were ever provided.
Consumer complaint received 2019-10-24
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. (CT)

I've repeatedly filed a dispute about incorrect information reported by a utility company to Equifax. They don't complete a full investigation ( I have loads of documents, emails, and even tracking slips showing equipment was returned ), and when I file a dispute they allow the utility to report the charge-off/delinquency with the current date, significantly damaging my credit. 

My credit report is otherwise pristine, and this has significantly limited my access to credit.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

I had paid the collection account with Midland Funding LLC and was told that the debt would be removed from my credit report and would no longer negatively impact me within 30 days of payment. It has been over 30 days and the debt/tradeline is still reporting incorrectly. It is negatively impacting my chances of closing on a home in the next 2 weeks.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aldous & Associates, PLLC (WA)

A new collection for {$400.00} for XXXX XXXX ( also called XXXX XXXX  ) appeared on my credit report ( collection date XX/XX/2016 ). I called Aldous Associates ( claims to be a legal firm ) and they were not able to share any information about this debt or account information. I called XXXX and they have no record of this debt. 

I never received any notification from XXXX or XXXX or Aldous Associates ( Collection agency ). I suspect this may be a fraud. 

I am refinancing my mortgage and this is affecting my approval and interest rates. 

Please help!
Consumer complaint received 2020-06-23
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. (MI)

On XX/XX/2020 I reached out to an Experian representative to have 'dispute remarks ' removed from my credit report for ALL accounts showing dispute remarks. This was for me to purchase a home ; I could not get an approval unless the dispute remarks were removed. The agent assured me that the remarks were removed and the update would occur within 24 hours. It has been 3 weeks and the remarks have yet to be removed. I come to find out that the agent opened up a new dispute case, report # XXXX. This is causing me extreme XXXX, considering that I can not close on the property unless the remarks are removed for XXXX XXXX or XXXX XXXX to approve financing. I have called every possible phone number for experian, only to be directed to an automated system that does not assist in my needs. It is now XX/XX/2020. I am expected to close on a home on XX/XX/XXXX. The lender has pulled my credit every week for the last 3 weeks, with no change. This is extremely frustrating!! I am submitting this complaint because Experian is incorrectly reporting information on my credit report.
Consumer complaint received 2020-06-22
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. (MO)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 
XXXX XXXX  XXXX {$130.00} XXXX {$300.00} XXXX  XXXX XXXX {$1600.00} XXXX  XXXX {$3300.00} CHAPTERXXXXBANKRUPTCY DISMISSEDXXXX {$0.00} CHAPTERXXXXBANRUPTCY DISMISSEDXXXX  {$0.00}
Consumer complaint received 2020-06-22
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. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX  XXXX XXXX not late XXXX XXXX never late XXXX  XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-06-22
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. (NC)

This account needs to be removed it has been settled and is reporting incorrectly I have attached all of the documents that show PROOF! 

The have date of last payment says XX/XX/2020 this account has been sold to a different company and settled this makes no sense every time I contact them to remove this account they send me the attached letter to the company that owns the account which is settled as you can see on the paper its a {$0.00} balance
Consumer complaint received 2020-06-23
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. (FL)

To Whom it may concern, I received copies of what appear to be front pages of a XXXX XXXX account from XX/XX/XXXX, XXXX that apparently was mailed to XXXX XXXX XXXX XXXX KS per statements and per letter attached final letter mailed to XXXX XXXX XXXX XXXX ( no unit # ) on XX/XX/XXXX as validation of a debt that I have filed with all 3 credit agencies with no resolution. This is my 1st time seeing this information and have disputed these acct with XXXX over 5 times and each credit agent tells me the same thing that the account was verified with them. So I'm now requesting help from the CFPB as this is clearly an account that is not mine and clearly has been omitted due to the inconsistency in numbers and information on the bill I received. To further prove this is not my account I have attached some old documents I had showing that I have not lived in the state of XXXX since XXXX. I Moved to XXXX in late XXXX of XXXX staying with a friend in XXXX XXXX and moving to my own place in XXXX XXXX in which I lived until I moved to XXXX XXXX XXXXXX/XX/XXXX for work and presently live here in XXXX XXXX  as of today. My 1st time visiting XXXX  since I left due to a mess divorce was XX/XX/XXXX for my brother wedding in which I did not stay long if that says anything about me missing nor returning to XXXX for anything. I'm currently in the process of buying a home and this agency has caused a lot of stress and currently preventing me from moving forward due to an acct that I have no knowledge of nor was I at the address listed during this time frame. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (HI)

I get phone calls every weekday and sometimes on the weekends from Municipal Services Bureau saying that they care calling on behalf of the Hawaii XXXX XXXX XXXX. The message is automated so I can't talk to a person. They refer me to a website ( XXXX ) and a they leave a phone number ( XXXX ) XXXX. However, when I look on the website the names of the people who owe are not mine. I'm worried that if I call them and talk to someone that they can continue to bother me with phone calls because I responded to their call.
Consumer complaint received 2020-06-22
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)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. 

XXXX {$120.00} XXXX {$130.00} XXXX {$1500.00} XXXX {$5100.00} XXXX {$150.00} XXXX XXXX {$22000.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1400.00} XXXX {$260.00} XXXX {$720.00} CHAPTERXXXXBANKRUPTCY DISCHARGEDXXXX {$0.00}
Consumer complaint received 2019-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc. (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.