davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XX/XX/XXXX, I accepted Capital One 's Balance Transfer Offer of {$3300.00} to be paid to my XXXX XXXX XXXX XXXX account. I did this transaction on the Cap 1 app & I know that I entered the correct account number as well as the mailing address. I had to look up the address off of my statement & I triple checked all information. I received notice from Cap 1 on XXXX XX/XX/XXXX that the transfer amount of {$3300.00} plus the {$99.00} fee was placed on my Cap 1 account. I did not see the balance transfer amount of {$3300.00} being reported on my XXXX XXXX account. I waited for my next statement incase it was taking a bit longer to process. By XXXX XX/XX/XXXX, the payment had not been received by XXXX XXXX  XXXX XXXX XXXX XXXX acct ). I called Capital One on XXXX XX/XX/XXXX to inquire where the payment was. 72 minutes & 3 representatives & 1 supervisor later, all they could tell me is that the check has been cashed. I explained to each rep that the receiving account has not received the payment therefore Cap 1 must have sent the check to the wrong company. They would not give me any information to where the check was sent. I finally demanded Cap 1 to open an investigation but I have yet to hear anything. I am now paying two credit accounts for the same amount, at this time have incurred {$400.00} in interest charges on the account that was to receive the balance transfer amount & I have paid the {$99.00} transfer fee for money I never received. I am pay a lot of money for something I have not received & I am not getting any results from Capital One.
Consumer complaint received 2022-12-07
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. (KY)

I received a call from XXXXXXXX XXXX to see if I was still interested in a loan. They stated that I had applied for a loan about a week ago. I never applied for any loan but apparently my credit report was pulled. I'd like someone to look into this. I don't want my identity stolen.
Consumer complaint received 2022-10-21
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. (IL)

There is 3 accounts on my credit report from XXXX, which is a student loan servicer. The 3 loans were opened and placed on my credit report in 2006. Ive never defaulted on the loans and the loans were paid off. Ive contacted Experian to have them removed from my credit report because they have been on there well over 7 years. Experian failed to look into my dispute. I want these 3 accounts with XXXX removed from my credit report.
Consumer complaint received 2020-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

GOT A LETTER FROM CONVERGENT OUTSOURCING, INC SAYING I OWE A DEBT FROM XXXX XXXX  FOR {$540.00} AND I COULD SETTLE FOR A AMOUNT OF {$130.00} WHICH I HAVE NEVER HAD SERVICE WITH XXXX. I HAVE READ TONS OF REVIEWS ABOUT THIS COMPANY WHICH ARE ALL NEGATIVE .A LOT OF PEOPLE WHERE SAYING TO REPORT THEM TO YOU ALL AS THEY HAVE DONE.
Consumer complaint received 2022-05-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (NY)

I went on the modified repayment plan with Sallie Mae in XXXX of XXXX. Shortly after the COVID-19 pandemic broke and I only received 3 months of forbearance. When I tried to ask about options as I had lost my job in live entertainment and I had to get a new job where I received significantly less money, I was told there was nothing they could do to modify the amount I was paying. I continued to struggle through these payments, but I payed my loan amount each month despite encountering times where I was left with {$20.00} to my name for a full week. 

In XXXX of XXXX, my time of the modified repayment plan was up. Unfortunately I was also dealing with the deterioration and slow death of a close family member which, as any normal human being with a sense of empathy knows, requires unpaid time off. I called Sallie Mae to try to get in front of the problem, and inform them that not only was I dealing with this incredibly stressful event, but wasn't making enough money to pay the full amount of my loans. I was consistently cut off by the customer service agent who was " helping '' me and told there was nothing they could do. I was told, as someone who does not make enough money and is currently dealing with stressful personal issues that will and continue to effect me financially, I don't qualify for any benefits through Sallie Mae. 

I was told that, to qualify for any benefits, I would have to make 5 qualifying payments ( the full amount each month ) which I made clear I could not pay. How is someone supposed to complete any qualifying payments to become eligible for a program specifically made for those who are struggling to pay their loans? 

As I audibly and uncontrollably started crying, I was put on hold because he figured that was the perfect time to update my account- despite not doing or achieving anything during our call. After being on hold for at least 2 minutes, the agent came back on the phone, told me he updated my account, and asked if there was anything else he could help me with. Of course, there was not- and it was clear there was absolutely nothing he wanted to help with as I was offered no other options or given any other advice, so he signed off, thanking me for 'choosing " Sallie Mae .
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I applied for small business loan but was only approved for a small amount because of negative accounts on my credit report. These accounts don't even belong to me and I've already tried clearing it up with the bureaus and the companies directly. They verify they are inaccurate and tell me they will be removed in their next billing cycle but nothing has been done yet. This is a huge setback for me as a small XXXX XXXX with XXXX XXXX. I  need these removed instantly so I can reapply for relief funding to save my business. The accounts that do not belong to me are XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-13
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-10-07
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 — Was not notified of investigation status or results
Company: ERC (TX)

I sent a Debt Validation letter to Enhanced Recovery Co in regards to an unverified account in the amount of {$190.00} that appeared on my Credit Report on XX/XX/19 and they responded with a bill and that is it! On this bill also it shows an address in Louisiana and I have never even lived in Louisiana at all there is no way that this is my account. Plus a bill is not validation that I owe this debt it is just a bill for an account that was in my name and I have absolutely no knowledge of this account at all. I reached out to them after the bill was sent to me letting them know that this was not my account and did not hear anything else back from them which is ridiculous! I have to file this complaint because they have been ignoring me since they sent the bill to me as validation.
Consumer complaint received 2022-06-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BELING & ASSOCIATES (IN)

I paid a law firm XXXX Beling & Associates XXXX to litigate or otherwise resolve private student loans for consumer rights violations made by the private student loan companies. I have a contract with the attorney 's office which lists those loans. I was recently sued by one of the private student loan companies for a student loan which is in the contract and which my attorney was supposed to be negotiating ( I have the contract and e-mails with the law firm regarding the potential settlement of these loans with the servicer ). Upon receiving the complaint filed by the student loan company, I tried to reach out to my attorney both by phone and e-mail, several times, and have yet to receive a response in over 6 weeks. They have also taken no action with regard to the lawsuit filed against me and I am currently handling the matter pro se,  in spite of already having paid the law firm to deal with this loan. There is a second pending action against me ( I have not yet been served but service was attempted ) for another loan listed in the contract with Beling & Associates, which was also supposed to be in the process of negotiation, or that was the status of these loans based on the last correspondence received from Beling & Associates. 

Payment amounts ( I have bank statements confirming ) : XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$250.00} I made attempts to contact this firm by email on the following date ( I have copies of the emails ) : XXXX XXXX XX/XX/XXXX XX/XX/XXXX I made other attempts to contact this firm by phone. I can provide phone records of those but I do not have the exact dates at this time. Every time it says that I can not leave a message because the mailbox is full.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have already submitted a Complaint to Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TN)

I XXXX XXXX hereby confirms that a debt collection submitted against me by a debt buyer is in fact a complete scam. The original creditor known as XXXX XXXX XXXX XXXX. securitizes all of its debt portfolios. In essence, my original credit card debt was sold off to a securitized investment pool. XXXX XXXX XXXX XXXX. was never in a position to acquire this debt from a position in any securitization unless my credit card debt was a matter of public record. The debt purchaser known as Resurgent/LVNV Funding has shown no licensing agreement with the state of Tennessee, nor has it proved ownership by a valid transfer of debt. This collection is within the legal definition a scam initiated against a consumer, and this is not an isolated matter. Accordingly, I demand actions by the Consumer Financial Protection Bureau, the Federal Trade Commission and the Federal Deposit Insurance Corporation to review my complaint. The debt collector can not prove ownership as my information was acquired through a debt pooling arrangement with the original creditor. At no time was there anything conformation of a debt ownership transfer, nor can there be given proof. My credit report has been tarnished because of this scam. XXXX XXXX XXXX XXXXXXXX. is not in a position to re-acquire the debt from a debt buyer, as they have already claimed ownership and the right to sell the debt to a third-party. XXXX XXXX XXXX XXXX. does not own this debt since the placement into a securitized investment. This scam is complicit with both the debt buyer Resurgent/LVNV Funding and XXXX XXXX XXXX   XXXX, an FDIC insured financial institution. XXXX XXXX XXXX  FDIC Certificate Number is XXXX XXXX XXXX, XXXX, simply referred to as XXXXXXXX XXXX XXXX  , is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ] As of 2017, XXXX XXXX XXXX   services more than XXXX XXXX cardholders across the United States. This debt collection must be dismissed completely and my information purged from all future collection practices. The references placed on all pertinent credit bureaus must be deleted permanently.
Consumer complaint received 2022-10-21
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. (IL)

I have already submitted a report recently reguarding a dealership running my credit fraudently and as a reesult I incurred alot of hard inquries. I accidently left out some of these inquries that was left out of that report because I was awaitng for an offical credit report to b mailed out to me, but wasn't aware they included more. I would like to at this time include these inquries to the report I previously submitted. The previous report number is # XXXX. These are the added Inquries below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX ( bank ) XXXX
Consumer complaint received 2020-01-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/2019, I was laid off of work. I contacted XXXX XXXX Mortgage Department and said I may have some trouble paying XXXX mortgage. THEY offered me a 6 month grace period. THEY SET THE TERMS. I agreed to THEIR terms. 
During the six months, I made one payment. THEY CONTACTED ME and said if I make ANY MORE PAYMENTS THEY WOULD WITHDRAW OUR NEW AGREEMENT. 

After 6 months THEY restructured my loan. I WENT BY THEIR AGREEMENTS. 

Now they just reported that I am 5 months delinquent on my mortgage. THEY REPORTED THIS AFTER WE SET UP A NEW PAYMENT SCHEDULE!!! My credit dropped XXXX points. 

PLEASE HELP!!!
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent 4 dispute letters over the past 5 months to all three credit bureaus which are TransUnion, XXXX and XXXX, asking them to show me a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they used to verify that the account belonged to me. The bureaus responded every time, saying that they verified that this XXXX XXXX XXXX account belongs to me, but the only sent me copies with my signature on it. So I contacted XXXX  XXXX XXXX, to ask them if they can locate a charged off account with my name and account number, in their response they told me that they couldn't locate the account # XXXX associated with my name in their system.
Consumer complaint received 2020-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CO)

I had a car loan with Santander and traded in my car for a new lease with XXXX XXXX in XXXX, XXXX My new car lease went into effect on XX/XX/2020. XXXX neglected to pay off the balance in a timely manner. For some reason they paid all but {$15.00}. I tried to call Santander to pay it myself since I couldnt get anyone from XXXX to get back to me quickly. Santander said the remainder had to paid by XXXX at this point because the account was now their responsibility. They would not take a payment of {$15.00} from me. After several attempts XXXX finally paid off the balance and the account was listed as paid in full. However Santander reported a 30 day delinquency to my credit report for a late XXXX payment. I no longer owned the car after XX/XX/XXXX. I have tried to dispute it with Santander. They just tell me to contact the credit dispute center, and the dispute center tells me to contact Santander. I cant get anyone to help me. My credit took a huge hit that was not my fault. Over {$15.00}? PLEASE help me fix this. I am trying to buy a home and this has set me back. Why would anyone intentionally go 30 days delinquent over {$15.00}? I didnt even have the car after XX/XX/XXXX. Please help or help me find someone who will. XXXX has apologized for paying it late but Santander says they can not override the credit reporting even though it is inaccurate. They refuse to let me speak to a supervisor or offer any other solution other than to contact credit dispute. Please help me figure this out. I paid every single payment on tine with this company.
Consumer complaint received 2022-12-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX days.
Consumer complaint received 2022-05-01
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. (TX)

I am a victim of identity theft ... I have supplied the credit bureau and creditor with the proof that I was never late and made all payments on time and the credit bureau and creditors refuse to remove the late payment which is a voilation 15 U.S. Code 1681i FCRA XXXX  XXXX with late payments to re appear on my credit report causing me personal injury. 
I have send multiple certified mail receipts on this matter over the course of the last 2 years. XXXX XXXX, XX/XX/2020, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2020-05-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS.. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : XXXX. XXXX XXXX XXXX
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IA)

Experian removed a freeze on my credit bureau permanently when I requested a temporary lift as I was applying for credit. Experian does not provide a toll free telephone number that allows a person to speak with a human being unlike the other credit reporting agencies. I want a toll free number that allows me to speak with a human being.