davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (NY)

Under FCRA I have the right to receive a copy of my file with 15 days of requesting said copy. On XX/XX/2019 LexisNexis Risk Solutions received my valid request for a copy of my report. After numerous requests both written and verbal they have yet to provide me with a copy of the report. They claim they mailed the report to my previous address. After I discovered that in a phone call with them they promised to investigate that error AND provide and send a new report to my correct address. That was on XX/XX/19. I was told today that report has still not been mailed to me making it over 30 days without a report. According to your website I have the right to my report within 15 days. Please investigate.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I opened a best buy joint account, together with XXXX XXXX XXXX, the number is XXXX XXXX XXXX XXXX. After that on XX/XX/XXXX I opened a new account by myself and I asked to close the previous account, I did not need the other one because by the time I applied for the Best buy credit card now I have a previous record. The ONLY reason I applied together it was because when I applied for first card on XX/XX/XXXX I needed i cosigner to get the card authorized.

So, since the time I got my own card on XX/XX/XXXX I never used the first card ( The join card ) NEVER USED AGAIN. I told Best Buy to exclude me from that and they said Okay. We will but we need XXXX XXXX XXXX call us. So, I told her close the account. BUT, SHE NEVER DID.

Years passed and some weeks ago on XX/XX/XXXX, I bought a laptop and the time to pay the seller asked me : You have two accounts  in which one you one to charge this item? I said two accounts? He said yes, you need to call best buy.

After that I have sent three messages trough their website ( secure messaging ) asking to cancel the first account, the one I tough did not exist and they have never have answered. Just I am sorry, we apologize for .... Call us. ALWAYS same situation no answer.

What is worst XXXX XXXX XXXX knows about this situation and she have been buying and using this account. I received an statement on XX/XX/XXXX with a balance of {$1200.00} USD using my email address.

I asked some days ago and the bank is even reporting FALSE INFORMATION to my credit report. An address does not belongs to me.

That address correspond to XXXX XXXX XXXX and is as follows : XXXX XXXX XXXX XXXX   XXXX Texas XXXX Her Email address is : XXXX Her phone number is : ( XXXX ) XXXX XXXX XXXX The card number I am talking about to cancel my responsability is : XXXX XXXX XXXX XXXX Where Can I report this situation she is using my email address?

So, what I want is be exclude it from that account, I do not have to be responsible for something I am not buying and is an she is doing wrong things using my email address. Actually, I do not have any relationship with her since long time ago, as I know she is a very dishonest person doing many tricky things and always trying to take advantage of any person and any situation.

Besides, as far as i know she has her own card. 
So, cancel the card and transfer the balance to her card.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (NC)

I made a payment to XXXX using my checking account with SunTrust for $ XXXX XXXX, 2019. SunTrust reversed the payment to XXXX which resulted in a {$27.00} return check fee added to my balance. SunTrust reversed the payment without my consent or knowledge. I requested SunTrust to return payment but it refused. 

XX/XX/2019 XXXX XXXX Denied Balance Payment Loading transaction details for XXXX XXXX Denied Balance Payment -  negative {$27.00}
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-10-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Midland Credit Management- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. XXXX Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back w you. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (MD)

I am writing in response to a collection company ( Second Round LLC ) that is reporting an alleged debt ( # XXXX ) on my credit report that they have not, to date, been able to provide me with supporting legal documentation stating that ( 1 ) the debt belongs to me ( 2 ) the fact that they have the legal authority to collect anything from me.
I have sent this company debt validation request multiple times, disputed this alleged account with XXXX, XXXX and XXXX when I first received correspondence from them in 2016. In return, ( Secound Round LLC ) sends me an acknowledgement of my request for validation and ask for me to supply " their company '' with documentation of my personal information in order to validate this account. I 'm baffled because I do n't understand, how they are validating the information with the credit Bureaus but do n't have the information?! This derogatory information remains on my credit report to date without being validated. How does this happen? How is that even possible?
I initially disputed the information with Second Round LLC back in 2016 requesting debt validation to include the alleged balance and calculation from the opening to the closing of this account, it being sold or transferred, proof that the account is correct and information that the statute of limitations are valid with the alleged account and have not expired, signed documents showing that I agreed to pay this debt and agreement that grants them the authority to collect this debt. To date, I have not received any legal obligation from them that I am responsible for this debt. The company in question Second Round LLC, has been unable to provide me with any form of legal validation. This is inaccurate
information and therefore ; according to the law should be deleted from my report because it has not been validated by the company actually providing the information. I am asking for a complete removal of this account from all three of my credit reports immediately. Per the FCRA, the credit bureau is required to report timely and accurate data and any inaccurate information that can not be validated should be deleted.
Consumer complaint received 2021-09-15
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: LEXISNEXIS (DE)

Requested certified and validated letter from their data furnisher on the accounts showing a bankruptcy. XXXX states the reports are valid and verified by my bankruptcy attorney but fell short of providing evidence of written verification letter from him/her, plus a consent was not provided by me to access information from their so called attorney. I still need a letter of validation from the bankruptcy court and/or data furnisher about the two bankruptcies that appear on my credit profiles. 

Additionally, XXXX is reporting inaccurate information on the same bankruptcy. Has it discharged. 

XXXX states that it was able to validate the bankruptcy with its data furnisher but did not provide me with the name and address of the data furnisher. In the past, they all claimed that the bankruptcy report was from Lexisnexis. I contacted Lexisnexis which wrote that the information was unverifiable and that it would be removed and/or deleted. 

According to FCRA, information must be verified, validated, accurate and fair. 

Please have all 3 bureaus send me certified letter with information of their data furnishers instead of false incomplete and inconsistent claims they continue to make about their credit report data sources. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

I have contacted XXXX, XXXX, and Experian in XXXX, and XXXX 2017 to remove in accurate information. Under the new law effecti XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Consumer complaint received 2019-04-05
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. (MS)

I have disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I attended the University of XXXX from XXXX XXXX. 
With high-pressure tactics from the schools recruiter. They highly recommended that I should attend this particular college, and that all of my schooling would be fully funded, and they would help me find a great paying job from their Employment placement program. 

They mentioned even though they have the lowest tuition cost, and the highest graduation rates, I would not have to pay for my school loans until I found a job that salaried me at least {$50000.00} under their Employment placement program. 

Unfortunately, the school loan University of XXXX promised was fully paid for was not true. There were a few classes where my tuition ran short and I had to find the money to pay for it out of my own pocket if I wanted to continue my education. 

Moreover, the final cost of my school loans has grossed double ( due to high interest rates XXXX to what was initially owed. 

Due to lack of funds and a steady paying job, I ended up filling Chapter XXXX Bankruptcy in XXXX and XXXX XXXX back in XXXX. I completed the payment plan. 
During the court proceedings, I had to go through a XXXX XXXX to determine if I am financially unstable to payback my student loans as well as maintain a minimal standard of living. 

I was approved, and The University of XXXX was added to that Bankruptcy and was deemed as an Undue Hardship. 

When I pull up my credit report, Sallie Mae ( Now known as Navient ), and the U.S. Department of Education both show on my credit report as Included in Bankruptcy. However, it still show that I owe {$84000.00} as debt on my credit file. I even logged on to my Navient account and it still shows that I owe close to {$85000.00}. When I spoke to a Navient rep on the phone and explained to her that my dept was included in my Bankruptcy due to Undue Hardship. She said this was not true, and that no federal loan can be discharged in a bankruptcy. 

On my credit report, I have 11 closed Navient Accounts that show I have a balance totaling {$84000.00}. Then I have an additional 8 closed Navient Accounts that references the Navient account was included/discharged in my Bankruptcy.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NJ)

Recently, Using the Chase XXXX XXXX card, I booked a flight with 19,370 points on XX/XX/XXXX for travel XX/XX/XXXX. The XXXX XXXX comes with a hefty {$450.00} annual fee but ( claims to ) offer some superb travel protection benefit. This flight was cancelled requiring an overnight stay kicking in the travel protection benefit. Now the issue is that it has been nearly impossible to claim this benefit. After submitting the proper forms to the claim agency, more forms were apparently needed to show proof that the points used to book the flight were from my Chase XXXX XXXX card. Getting this documentation from Chase was nearly impossible, requiring being on the phone more than 3 hours and transferred multiple times. The card advertises this amazing benefit and several others, but when it is this difficult to claim the benefit, it becomes far more of a hassle than it is worth. For them to charge {$450.00} for an annual fee and then not deliver on the benefits promised seems like they should be taken action against. And after the 3 hours on the phone, 5,000 points were offered in compensation but never received.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have contacted Transunion, XXXX, and XXXX in XXXX, and XXXX  2017 to remove in accurate information.
Under the new law effecti e XXXX  2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include the information and should be deleted from my credit report
Consumer complaint received 2021-09-17
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: U.S. BANCORP (TX)

Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank- XX/XX/XXXX
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp (GA)

To whom it may concern, Last XXXX of XXXX, I called and contacted both of the following companies. I was in the process of trying to fix up my credit. I called two companies in reference here : ( Lending Club ( that has issues with different optional payment plans, making it hard to contact and make payments ) also ( now called here as : XXXX XXXX or XXXX ). Then XXXX XXXX, to negotiate a payment ( voluntary turned a XXXX car we purchased early, knowing we would eat a large amount because the car was worth 20K less than what we paid for it!! ) just after 8 months making hefty payments, of 300 more than we were told from dealership. Didn't even get a bill, for three months after we purchased the car. ( that's another complaint about this dealership ) and very low miles when turned back into XXXX dealership. This automobile we purchased from a crooked dealership, in Georgia ). Now we planned to bring both accounts current and to reflect they were paid off as agreed and the negative ratings removed from my credit reports.. I did my part, as we agreed upon, for both accounts. Now both companies were to provide me with an agreement letter showing the accounts were paid as agreed and ( unfortunately ) This didn't happen ( as agreed ) after making several phone calls month after month and disputing my credit reports. This very much has affected my credit score by more than 50 points, and I need to correct the errors with your help. I have proof of the payments were made and letters finally from XXXX XXXX showing paid as agreed, but with the wrong date of XX/XX/XXXX not XXXX of XXXX. Many months earlier than stated on my letter and still on my credit reports with all three agencies. Lending Club had a collection department handel the charge off and we paid as agreed with again proof and letter from the collection division XXXX XXXX ( XXXX, they have many names they go by ). Please help me get this corrected and share with me how to prove both were paid as agreed and when they asked me to pay not 6 months later as XXXX is stating in the letter from a non disclosed name by email of all places and this was even hard to locate in my emails, did not come up as XXXX, it was from other source. This isn't fair to me paying higher interest rates because companies are not updating my end after they get their money from me.
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CT)

On Saturday XX/XX/21 I received a phone call from XXXX stating that they were a representative from coinbase and that there has been some fraudulent activity on my account. They claimed that someone was making incremental withdrawals from my bank account totaling {$24000.00}. They sent me emails proving that this was occurring. The email address was a legitimate coinbase email address, complete with links to their secure website etc. He then stated he needed the 2FA code to lock my account. I was hesitant but when I verified the email was coming from coinbase, and that I was receiving texts and emails from coinbase while on the phone with this man, It led me to believe it was legitimate. Shortly after giving him the code the phone cut out and I Started receiving coin trade confirmations and other emails from coinbase acknowledging fraud was taking place from a XXXX IP address. 



I was able to remove the funds from my checking account and notify my bank of the impending fraudulent activity. For the past 5 days I have sent over 67 emails to coinbase, calls, etc. I have repeatedly asked them to lock the account and not let any funds IN OR OUT. They assured me that would happen and that I would be contacted by their specialty department which is always through email. I have gotten no where with them and they just keep repeating themselves that I need to log in and change password. I was even asked to Upload my license with a self portrait and specific notes. I have done that multiple times and even sent them screen shots of such. Then I cant get any further because the hacker stole my 2FA. I have explained this as well to coinbase numerous times and they still are not helping. On Monday an attempt was made to take over XXXX out of my checking account which luckily my bank caught. Since then Coinbase has stated they are taking all of my coins in my account ( over {$2000.00} worth ) because they funds were not allowed to go through the bank. HOW INSANE ARE THEY that they think I should have allowed a fraudulent transaction to go through. They are not helping at all, and I am starting to think this was all an inside job. Please help!
Consumer complaint received 2019-04-05
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXXXXXX XXXX XXXX - partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-02-27
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. (TX)

XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Consumer complaint received 2019-04-05
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. (CA)

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (DC)

I have been a customer of XXXX for many years. I've never been late on one payment. They failed to process my annual income certification for IBR, which created a cascade of problems. Most recently, the company has reported my account as " Payment Deferred. '' I never once have requested a deferment or forbearance. As a result, my credit score has decreased. The company is so bad at addressing problems that itself has caused. I've had no less than 10 separate calls to customer service reps who have never been able to fix or address any issues - and in fact just create more problems. Now, my credit is damaged because of something the company did without my consent or request.