davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (LA)

On XX/XX/2018 I requested validation for this debt! They sent me a contract with my DADs Signature! The apartment was never in my name just my DADs! I lived there for a week while waiting on school to start! I NEVER signed a lease with them or the original creditor!
Consumer complaint received 2018-05-27
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. (NC)

Experian Consumer Credit Reporting Agency did not follow legal process and remove the erroneous reporting information within the legally prescribed timeframe of 30 days after all documented evidence of such occurrence had been served effectively. Upin information and belief, XXXX XXXX and XXXX   Consumer Credit Agencies have removed said erroneous information from said credit report.

USPS certified receipt number # XXXX  sent on XX/XX/XXXXand was received by XXXX XXXX XXXX  on XX/XX/XXXX. Since this time has elapsed no response has been sufficiently received from dispute as legally prescribed by law.
Consumer complaint received 2018-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had a car loan with XXXX XXXX that was paid off in XX/XX/2011. They are still calling me from XXXX. I spoke with a rep and ( supposedly ) a supervisor on 3 different occasions and they said they would remove my number. I had them send me a paid in full statement but they still continue to call me. It has become harassing!!!!
Consumer complaint received 2018-05-27
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: Debt Recovery Solutions, LLC (FL)

I retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. 

Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX   permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. 

DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!
Consumer complaint received 2018-05-29
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. (SC)

Enclosed you will find two letters : 1. XXXX XXXX Security Freeze   Confirmation Letter f 2. Letter from the Courts stating they do not give information to credit bureaus. 

I have written the courts asking if they submit public information to the credit bureaus. They said they didn't and sent me a letter confirming they don't. 

I then contacted XXXX XXXX and the other data-mining companies asking for a FREEZE on my accounts too. They all sent letters back confirming FREEZES. 

I disputed this with XXXX XXXX and they confirmed account has a FREEZE on it. 

My credit report is still showing a Bankruptcy on all three credit bureaus. Where are they getting the information? 

I've asked them all to remove this bankruptcy that was dismissed. I've done all my work : Contacted Courts in South Carolina, I've FROZEN my account with XXXX XXXX and the others. 

Please verify how the Credit Bureaus are still reporting this. 

Thank you.
Consumer complaint received 2024-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (OK)

My previous complaint against Chime via Consumer Finance Protection Bureau, Reference # cs XXXX, resulted in receiving an email from Chime on XX/XX/2024 saying they would be refunding the {$280.00} they owe me from XX/XX/2024, via the ATM that did not dispense the full {$400.00} amount, but only dispensed {$120.00}, and kept my {$280.00}, yet Chime withdrew the full {$400.00} amount of my XXXX paycheck that was direct deposited on my Chime card. I have fought with Chime, called them, emailed them, and they lie. Their email said they would be refunding via my Chime card, but since I closed my Chime card after this happened at the ATM, well before they emailed to say I'd be refunded, I assumed from my XXXX searches that I would be refunded via paper check by mail. I even called Chime 's support and they said it was in process in XX/XX/2024. I have yet to receive this refund and it is not XX/XX/2024. Where is my money? This should not be allowed to happen. Refunds should be sent immediately. It is now 5 months later and still no refund. They should be ashamed of themselves. I want my hard-earned money back immediately. I have attached a screenshot of the email they sent to me XX/XX/2024, and still no refund from them.
Consumer complaint received 2018-05-27
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: Experian Information Solutions Inc. (NY)

These accounts reappeared to my credit report. I am requesting to have them removed and block as they are costing me a lot of stress like XXXX XXXX XXXX XXXX.i 'm a single father of XXXX kids that I need to send to school These accounts were due to identity theft and are fraudulent. 





XXXX XXXX XXXX XXXX Status Closed Balance {$5600.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$9300.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6100.00} Type Collection Payment Status Late XXXX XXXX  XXXX Status Closed Balance {$9700.00} Type Installment Loan Payment Status Late
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (GA)

Navient continues to change the amount of Current Amount Due each month. I have never been charged a late fee. However, they continually send me notices saying that because I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to your loan ( s ) listed below. 
I have not been in a natural disaster area. If I needed help I would call. However, that changes the amount and interest even seemingly though I continue to pay and ignore the fact they are giving me forbearance. 
They do not want this loan to every be paid. They want to continue to collect higher interest. I am working hard to pay this off. 
I have heard of other complaints saying that even when they paid the loan off they continue to get bills saying they owe interest even after paying in full. 
Also they do not recognize my account number with my SS number when speaking with a representative. I only make payments by phone. I do not trust them at all. 
I always ask for a confirmation email and have saved everyone.
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I opened a Citi Priority account as part of a promotion offering XXXX thank you points for depositing XXXXUSD in the account and performing the following activities within 60 days of account opening : 1. qualifying bill payment for 2 consecutive calendar months. AND 2. Make qualifying purchases using your Citibank Debit or ATM Card ( from the promotion email ).  Once completing those, the terms stipulated the points will post within 90 days. Indeed, in XX/XX/XXXX I completed the required activities, and on XX/XX/XXXX I received an email ( attached ) indicating the points will post within 30 days. When the 30 days ended and the points did not post, I contacted customer service which said theyll investigate the matter. A few days later, I received the results of the investigation, again promising the points will post within another 30 days. They did not, and after contacting CITI bank twice more ( on XX/XX/XXXX and XX/XX/XXXX ) and receiving no response, I am now submitting this formal complaint.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection.

I sent a cease and desist letter XX/XX/XXXX.

Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and XXXX is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after XXXX  deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is XXXX will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
Consumer complaint received 2018-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I been trying fpr month to fix things in my credit report, one was a account open with Capital One using my personal information which the result was a fraud account and after the internal investigation shows as a fraudulent account which Capital One took action and removed from my credit report just kept open my one credit card account and a checking account. 
The issue is after many calls to customer service, recovery department, many hours in total nothings seems to help remove the fraudulent account from capital one system which is blocking me the ability to request a credit line increase in my current account ending XXXX The fraudulent account ending XXXX is causing the system internaly to deny a credit line increase because of this. 
Everytime I call CS and Recovery they put me in " waiting '' to comunicate betwen departmets to solve the sotuation but the results are the same.

I am attaching a copy of the investigatiom results removing the fraud account and a copy of the reply given from 'Capital One everytime I try to request a limit increase. 
I dont have charge off in any other of my credit reports and clearly the letter shows an issue with the Capital One system. 
I am filing this claim because tha CS amd revovery departmets from capital one after more then 8 calls wasting hours waiting are not able to resolve this issue.
Consumer complaint received 2022-12-26
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: ALLY FINANCIAL INC. (FL)

Dear Sir or Maam : Pursuant to the XXXX  Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently XXXXXXXX XXXX XXXX XXXX  with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report.. 
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
Consumer complaint received 2018-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I enrolled in XXXX online XX/XX/XXXX I believe. I have been in school since XX/XX/XXXX till XX/XX/XXXX and I started school again in XX/XX/XXXX to present. I understand that I have a loan however, I have tried to communicate on several different times and have been unsuccessful. In the past years I was not able to pay the full cost of the loan being that I had an emergency medical situation in XX/XX/XXXX to present in which I have been managing. What I notice is that the contact company of the loan keeps changing or being bought from agencies to agencies. I notice that his information has been damaging my credit report and its a red flag. How can a person be able to acquire the resources to make payment when its damaging their credit and also increasing their interest on a monthly basis. Why continue charging a person a high interest rate on a loan where as the person is financially strap and no other option was available? I remember speaking to a customer representative concerning a student loan and my payment was 60 something dollars and I could not afford the 60 plus dollars and asked if I can make partial payments and I was told I would still be charge the interest even if I make the partial payments. So it was a loose situation. keeping in mind that due to my financial being and at the time not working I asked the questions and it made no sense to me why their weren't other options. Is there any other alternative to making an affordable payment? This amount I cant afford to make pay in full, but I would appreciate if it is remove as a negative on my credit report because the loan keep on changing hands plus its preventing me form getting help to do such. If I am in school what happens to that loan can it be put on deferment or another arrangement can be made? The information I got I couldn't access the information, so I am at a stand still.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (AL)

I created a XXXX savings account after reading about it on XXXX. Account creation goes smoothly. After the account is created, in order to link my bank they make 2 small deposits. That step goes without issues. At this point I'm able to transfer funds into my newly created account. This is also when the problem arises. I make a XXXX dollar test transfer to see how long it takes. No issues. I deposit XXXX. No issues. I setup my cable auto pay for my cable company. When the date comes around and the XXXX account gets pinged for the money, it gets " paid ''. A day later my XXXX account is credited with those funds and I get a call from my cable company notifying me of this issue. 

This is when things go south. I call XXXX to find out more information. I am told repeatedly that my account was frozen and in order to unfreeze I would need to send a copy of my bank statement ( the one linked to the XXXX account ). That seems like normal procedure until I heard the email address. XXXX. Now I'm super sketched and on high alert. 

I wanted to know why this was happening. What caused it. Was there security issues I needed to know about to prevent this from happening again. I was informed that he did not have the answer. If he did have the answer he would not be able to give it. I would not be able to speak to anyone with these answers. He could not tell me how long the process would take to " unfreeze '' my account. At this point, I completely regret opening this account. I realize that I would have to go through this convoluted process in order to " unfreeze '' my account so I could transfer my money out and leave XXXX. 

I tried paying a cable bill. That's how all this started. But let 's say it was for something important or life threatening. I was emailed confirmation my bank was linked to XXXX. With no warning from XXXX, and not until I tried to access my funds, did something actually happen. Even then it wasn't until I called and dug around that I found this out. 

Also had I not have called in to find out I needed to send my bank statement, I was not going to be informed about it. But they would have let me to continue to deposit money. Live chat through their website gave me a similar answer. Call this number ( the one I called before ) to solve your issues. 

I go on XXXX and do a quick search about XXXX accounts. Within seconds I find a crap-load of others in similar situations as mine. I guess a portion of the blame falls on myself as I should have done more research before opening this account.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I called Capitol One on XXXX/XXXX/XXXX to ask a question about my account. The agent I spoke with answered my question, then told me ( without my asking ) that, as I had been paying my bill on time every month without fail, that I could have my annual fee of {$39.00} refunded if I called back in XXXX. He offered to note my account to that extent, and I hung up, surprised and pleased that Capitol One would offer this service. Of course, I was less that pleased when I called back on XXXX/XXXX/XXXX and found that my account was n't noted and that this was not something that could be offered. I asked to have it upheld nonetheless, as this had been offered unprompted or unsolicited by me, only to be told that nothing could be done without a promotional code. I spoke with a supervisor, who apologized and assured me they would 'speak to the agent ', but this does nothing to mitigate the deception that took place in regards to what happened. Essentially, the agent lied and no real action is being taken about it.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

Was contacted numerous times last week sometimes back to back from unknown number. When i ask who they were was advise they got my number from my previous supervisor XXXX XXXX they continued to call so i decided to answer. Spoke with a rep name XXXX we entered a payment arrangement even though i told her i was unable to make payments because i am in the active foreclosure process for my home. She was persistent and i wanted to stop the calls so i agreed to the terms but i spoke with my housing counselor and was advise until i reach a agreement with a loan modification i could not add any extra bills so i called today on XX/XX/18 to cancel my agreement with XXXXXXXX XXXX and finance incorporated where i was verbally abused and she hung up on me because i asked to cancel my payment arrangement i ask for a supervisor and he was not much help either restating that they can not help me in the future i explained over and over i would have to cross that bridge once i am able to pay and they still threatened me.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (WA)

Navient student loans has indicated that I owe {$24000.00} since XXXX/2005 and it 's impacting my credited. I have never attended college or secure any student loan debt. I have asked them to remove and they in turn sent the debt to collections