davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlas Credit Company, Inc. (TX)

I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.
Consumer complaint received 2018-07-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (VA)

I was charged a {$35.00} fee for a {$6.00} charge that should not have went through. This is ridiculous. TD Bank should not charge a fee for this ridiculously small charge. This charge was only XXXX!!! If the charge is under {$10.00} there should not be a fee. Period. Under $ XXXX-no fee.
Consumer complaint received 2018-07-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

On the following dates Synchrony financial charge me late charges without notice and also reported me to the credit bureau for being 2 days late! 
I pay my account on their site every month. On the following dates Synchrony financial charge me late charges due on XX/XX/XXXX and cleared on XX/XX/XXXX Charged {$25.00}. due on XX/XX/XXXX and cleared on XX/XX/XXXX charged {$28.00}. and due on XX/XX/XXXX cleared on XX/XX/XXXX. Charged {$29.00}. Every time I pay more than the minimum due, and they have been charging me a late fees without notice. When I called the CSR refused to help only saying that's their policy!
Consumer complaint received 2018-07-09
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I have 2 separate accounts through Navient, a student loan corporation through the department of education. i have 2 seperate accounts one for {$4300.00} and another for {$2000.00}. one of these accounts if not both shouldnt be open because the dates they have stating i was in school is not accurate nor is the institution. they told me to call the school and verify which i did. the school has no record of me being registered in the dates they gave me. Navient stated the school would have to call and verify which they did. but they still wouldnt remove my account. Navient has had a history of having false open accounts and have been under investigation. i opened up a suit but never heard anything back. Anytime i speak to someone and do as they say they give me another excuse and soimething else i need to do to close my account and it never closes. the school they have on file is XXXX tech in XXXX GA, i wasnt even in the state for the dates they have because i was stationed in another state in the United States XXXX.
Consumer complaint received 2024-07-25
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. (NJ)

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 2018-07-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (NC)

I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Lending Club under false pretenses. Lending Club either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. The only reason I found out this information is due to the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased as a result of the audit and the predatory lending practices of that company, hence the reason I am looking into my loan with Lending Club, in addition this astronomical payment is causing a hardship on my family, due to relocations and my husband 's loss of income.
Consumer complaint received 2017-08-13
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. (CA)

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which XXXX and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my Transunion file.
Consumer complaint received 2017-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2024-08-13
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A collection account from XXXX XXXX XXXX reported inaccurate information. According to Law FRCA Section B, it is illegal to report information on my credit report with out my permission. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) that you have a file for the account. The account with XXXX XXXXXXXX XXXX was dismissed. See attached, and remove Immediately. This is inaccurate and I did not give permission to report this alleged account.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2017 bank of America reported late payment on my account whichnot suppose to happen because inrollled in auto pay but after 2 months they told I am not inrolled because I have business checking account instant of personal checking I was not inform about this situation on time so please remove this late payment with credit report agency for the month of XX/XX/2017 XX/XX/2017
Consumer complaint received 2017-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. Thank you.
Consumer complaint received 2017-08-13
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: SYNCHRONY FINANCIAL (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-13
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2018-07-09
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. (AL)

I am completely outraged right now. There is a glaring error on my credit reports that needs to be fixed literally as soon as possible. My family is on our way to owning our first home, and this is really preventing us from accomplishing this goal. 

I have attached a copy of my credit report that shows this error. XXXX XXXX is showing I still pay monthly for a car that has not been in my possession for over 4 years! It shows we make a monthly payment of {$540.00} to XXXX XXXX, and we do not! Since this is reporting this false information, I would like Chrysler Capital to be able to prove this! But I'm 100 % sure they can not! 

How can a charged-off account show a current payment? This is just ludicrous. Everyone knows charged-off accounts are supposed to show a " {$0.00} '' balance anyway. And that is wrong as well! 

Apparently we are not the only victims of this company. XXXX has a 1 star review with Consumer Affairs, and XXXX customers has an 1 and  a half star rating as well for XXXX XXXX. Attached is the proof for this as well! 

This needs to be removed from my report ASAP! It is inaccurate, and throwing off our debt-to-income ratio, and now we can not be approved for our dream home without it!
Consumer complaint received 2018-07-09
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. (CA)

Between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NJ)

Payment made on XX/XX/XXXX from XXXX Checking account XXXX XXXX calls XXXX XX/XX/XXXX @ XXXX to say payment is late I state above. XXXX XXXX representative advises me to file a dispute with XXXX XXXX XXXX Banking Dispute with XXXX XXXX payment XX/XX/XXXX XXXX reaches out to XXXX XXXX XX/XX/XXXX ( XXXX will not speak to XXXX without Subscriber ) XXXX XXXX stated they will not speak to XXXX without me XXXX closes dispute XX/XX/XXXX. Sometime in early XXXX called XXXX XXXX with me, XXXX XXXX XXXX XXXX banking customer service to try to resolve issue, representative stated that payment would be applied to mortgage payment. I called XXXX XXXX onXX/XX/XXXX @ XXXX XXXX minutes transferred multiple times stated payment would be applied to mortgage XXXX payment made with XXXX XXXX at XXXX XXXX location XX/XX/XXXX XXXX XXXX XXXX NY XXXX from XXXX XXXX ( did not state his name ) left voicemail on XX/XX/XXXX @ XXXX stating to return his phone call. XX/XX/XXXX collection department called @ XXXX ( 29 minutes call ) stating that my XXXX XXXX XXXX is in delinquent status, I stated all the above. Representative was very rude so I stated I would rather call XXXX XXXX directly to rectify. The same day, I called back XXXX XXXX and spoke to customer service representative XXXX XXXX & XXXX on the phone XXXX minutes being transferred back and forward Payment directly debt from XXXX  account # around the same time ( will show on past XXXX statement ) XXXX was able to get XXXX XXXX XXXX on 3 way and payment was applied XX/XX/XXXX XXXX left voicemail on XX/XX/XXXX at XXXX p.m. stating that they will be mailing out a paper check for the balance that should have been applied to the XXXX XXXX XXXX. Paper check was dated XX/XX/XXXX ( see attached ). Received check from XXXX for overpayment that should of been applied to mortgage dated XX/XX/XXXX received check on / around XX/XX/XXXX which I deposited into our XXXX account via mobile banking on XX/XX/XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (FL)

Several data points from my LexisNexis CLUE report are totally inaccurate and do not correspond to me, and that has caused me financial hardship since I am not able to get auto insurance at a reasonable price. It seems that they derive from the fact that in the report they are linking me to another person or persons in California with similar names who I DO NOT know and is/are not related to me in any way. 

I place a dispute on XX/XX/XXXX with LexisNexis in requesting the information to be removed, and was just informed today XX/XX/XXXX by phone ( up to date nothing in writing ) that the dispute was processed and the erroneous information was not removed from the report since the source of data claims is accurate. I sent LexisNexis proof of my actual social security, driver licence and they still get the erroneous data as accurate. I do not know how to prove negative in this case for information that do not belong to me, after proving who I actually am and that is leaving me liable for huge premium rates for an accident of someone in other state not related to me in any ways.
Consumer complaint received 2018-07-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

on 5 occasions i asked for the credit agencies to validate the information that was being filed on my credit report. They did not comply but only sent me an updated credit report each time. According to the 609 credit reporting act the agency should have a copy of my application with a valid signature. They have not been able to supply me with this information to validate the debt.

The credit card company has also called my place of employment and disclosed that I owe a debt to my supervisor. This was very embarrassing. This took place on two occasions after I sent the company a letter requesting them to stop harassing me.

I sent them this letter because they were calling a friend of mine up to 10 times a day and were asking to stop calling and told them that they do not have my contact information. They refused and continued to harass my friend and myself.

I sent letters to both the credit card company and credit agencies on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. 

The credit card company only responded with the harassment of phone calls and letters threatening to sue me. The credit agency only responded by saying the debt was validated and sending me an updated credit report. 

On XX/XX/2018 I contacted transunion and was told the debt was validated ad there is nothing I could do about it other then pay it but the debt is not mine until i see a valid application and signature on file. There has been extensive use on the credit card that i did not use.
Consumer complaint received 2017-08-14
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. (IL)

I have been the victim of id theft. I have sent all three credit reporting agencies a copy of the police report and the ftc id theft report that was notarized. i have disputed a total of three items that were not mine with the agencies ( XXXX, XXXX XXXX and XXXX XXXX XXXX ). XXXX and XXXX have investigated and deleted all three from each report as they found it to be fraud. equifax continues to fraudulently list these as verified by my name and social ( again ... i was the victim of id theft ) and continue to blatantly commit deformation of character as they say they are accurate. how can this agency find this to be accurate while both their peers have deleted these from my reports?
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First National Collection Bureau, Inc. (VA)

I have received a letter from this company attempting to collect money on an alleged debt that i do not owe. on the top of the letter it has a company logo ( infringement on my rights to privacy per 15usc1692b ( 2 ) and 15usc1692f ). In the letter it threatens to harm my score with the consumer reporting agencies violating 15usc1692d. In return damaging my reputation 15usc1692d ( 1 ). This letter was found to be very obscene to me, asking for payment on a debt that i do not owe. violating my rights under 15usc1692d ( 2 ). can you please help me with this matter.