davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have now contacted capital one 4x to close my company 's credit card account. I contacted them in  XX/XX/XXXX  after our balance was paid in full. I contacted them again in  XX/XX/XXXX  and  XX/XX/XXXX  after the account was still showing open. They are now charging us yearly membership fees, interest and late fees and refuse to close our account.
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This card has NOT been used since  XX/XX/XXXX , balance was paid in full and we asked account to be closed.
Consumer complaint received 2017-07-17
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: EQUIFAX, INC. (LA)

I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Equifax credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Equifax via mail and phone but I was denied to get these items removed from my credit report. That is a violation of FCRA requirements. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Equifax and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Equifax to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    Inq uiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from XX/XX/XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX    Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX
Consumer complaint received 2017-07-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (NY)

I spoke to Debt Recover Solutions ( Collection Agency ) stating that  XXXX  has sold them my account which I owe &  XXXX . I explained to them the debt was already settled with   XXXX   and was removed from my credit file already before. But they insist I still owe the debt and trying to get my personal info. They are reporting to the credit agencies again and is affecting me from getting an apartment to live. Please assist.
Consumer complaint received 2017-07-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (FL)

I ordered on line a 48 '' TV set from Walmart for {$400.00}. The first week of XXXX. Notified it would be delivered XXXX XXXX. Arrived XXXX XXXX by XXXX badly damaged. I notified Walmart and they arranged for XXXX to pick it up XXXX XXXX. I had no shipping label so they would not take it. Meanwhile, I went to Walmart and bought another TV. For the past two months, I have tried to make a return. I have chatted 6 to7 times with Walmart reps. I called their customer service rep. three times. All assured me that it would be taken care of. Today I received an email that it has been over 90 days since I received the TV and they are re-billing my credit card for XXXX. The main problem is that I do not have the right equipment to print out a shipping label. The answer to that was at least three reps. on chat said they would send me one. The last chat the supervisor told me a private shipping company would pick it up as they do n't mail out shipping labels. As of today that has not happened. We are seniors, live in a mobile home park and leaving XXXX XXXX to celebrate XXXX years of marriage with family in Ga. Will be gone near three weeks. Without help from Walmart the TV will still be here and we have to pay {$400.00}. It can not be returned to a store and my husband being XXXX I am unable to handle it.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier
Consumer complaint received 2017-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in XXXX place but a XXXX XXXX for mailing purposes only which is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. XXXX, Experian, and XXXX now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. Experian I am already suing you because of your inaccurate reporting and you still continue to break the law. XXXX and XXXX now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!
Consumer complaint received 2017-03-26
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TCF NATIONAL BANK (MD)

I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..
Consumer complaint received 2017-07-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy was dismissed  XX/XX/XXXX  and still has not been removed. ( Was originally filed XX/XX/XXXX  ).
Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX  and still has not been removed.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Other — 
Company: Army and Air Force Exchange Service (LA)

I have requested multiple Goodwill Adjustments with AAFES, in regards to my late payments. The late payments on my credit report were during times when I was XXXX on Louisiana State Emergency or conducting training in the fields at XXXX in XXXX, LA, and I was in areas that made it impossible to contact them. I submitted and attached my orders and AAFES/Military Star Card ( a company supposedly for the military ) who refuse to do so which also violates Congress Legislation S.1249. I have made several attempts to have the late payments removed each ending with rejection. 

Thank you
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

After we purchased a car throw a XXXX dealership we started getting charged a monthly fee by Experian unexpectedly. I assume this is tied to their credit monitoring services in some way. However, we never knowingly signed up for any sort of service. When I try to call their customer service line, no matter what options I choose I can never get to an actual person. It just says it can only route me to a specialist under certain circumstances and then directs me to their website. I do not have a login or account on their website, and my wife 's account shows that she is under the " free '' plan with no billing information in the account. I tried emailing their customer service email, and got an automatic response saying the mailbox has been discontinued. It is quite literally impossible for me to stop these monthly charges. I'm not even sure if it's myself or my wife who is technically incurring this charged as it is being deducted from our joint bank account. 

I went to their XXXX page as a last resort and found multiple comments saying the same thing about being completely unable to reach an actual person to resolve their issue.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX Unknown {$1400.00} XX/XX/year> XXXX XXXX XXXX Unknown {$490.00} XX/XX/year> XXXX XXXX XXXX Unknown {$330.00} XX/XX/year> XXXXXXXX XXXX XXXX  Unknown {$1300.00} XX/XX/year> XXXX XXXX XXXX Unknown {$790.00} XX/XX/year> NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am requesting your help to resolve the incorrect account reported on my credit report. This issue has caused damage to my reputation, and I need your support. Due to your errors in managing my credit report, my reputation has been severely impacted. Please remove these inaccuracies so I can move forward with my life and my family.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures desi
gned to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in goo
d faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2016-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgence Legal Group, PC (CA)

XXXX XXXX, 2016, I was served false court garnishment paperwork owed in amount of {$2800.00} by Resurgence Legal Group. XXXX. There requesting, I own this amount. Not sure how they came up with this when I never once contacted by them initially, so I can not tell you what this debt is for. I need some help ; I am requested that they send me proof they have the right person and advised me the of whom the original creditor is and or what it is for. Moreover, I would like for this garnishment to be stopped.
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Constar Financial Services, LLC (CO)

I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX  XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.
Consumer complaint received 2017-07-29
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: Experian Information Solutions Inc. (GA)

On X/XX/2017, I mailed a dispute letter to Experian asking them to remove collection account, XXXX XXXX -ACCT # XXXX, from my credit report AND to verify that the debt. I requested that they send me the name, address and phone number of the person that verified the debt. I asked them to obtain physical proof, because I have no knowledge of this company. The dispute result came back as " verified '', but with no validation or verification. I am desperately trying to buy a home and this is keeping me from that goal. I do not and I have never had a contract with this company. I am not liable for this collection.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (ID)

I have experienced many issues with XXXX who now has my former XXXX XXXX XXXX loan. The first issue was a loan I had on a second residence, when the economy turned bad I had asked lender if possibility of rate reduction since I had never missed a payment, I was told only way to reduce anything was for me to miss a few payments before modification could be started.And if I did n't lender would move to repo department for repo process, lender was very aware I had not missed payments prior to me telling them my business was in trouble asking for assistance. In the end I brought a buyer for my home and was told loan would show on credit as paid in full as if I paid it in full. That loan is not reported properly on my credits, and now i find out after a phone conversation on XX/XX/XXXX with XXXX that my current home loan with XXXX  XXXX # XXXX is reporting past due payments on all credit reports. XXXX told me in XX/XX/XXXX this was fixed and now we find out nothing has been done. I received an email at XXXX XXXX XXXX on XX/XX/XXXXafter my call the previous day stating loan never late, Header on letter says VERIFICATION OF MORGAGE. To date my current home loan has never been late. Due to this issue I am not able to move forward buying my new home. This company is a BULLY and I ask for your help in this matter.