davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (WA)

On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. 

The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. 

On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. 

I strongly believe that they are lying about being unable to verify my income level.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Credit Bureau failed to provide my requested written authorized validation evidence of fraudulent inquiries from companies per Fair credit reporting time frame of 30 business days. My request to delete go unanswered and customer service representatives confirmed receiving my FTC report but state they are unable to provide validation of inquiries. 

Delete unauthorized inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase misleadingly signed me up for a prepaid account. I thought it was a checking account. Also i used the card to withdraw {$5000.00} cash on XX/XX/XXXX and then online to pay dmv fees on XX/XX/XXXX. The charges online for hotel and online shopping auctions as XXXX XXXX and XXXX charged over {$17000.00} and i called chase immediately made a claim was told 90 days never heard from them called multiple timea to be put on hold for hours with no solution. Im furious and feel i should not be treated this way for theft.
Consumer complaint received 2018-08-10
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (NJ)

Navient is reporting that my account is 90 past due. This is not true because my account is in deferment. The account was never 90 days past due. The account shows I still owe money. I do not owe money at the moment.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (NC)

On XX/XX/2018 AT XXXX for the second time I tried to speak and explain that i did not receive services as agreed but I still wanted to fix the problem if I get proper credit for the money I paid for undelivered services for the 6 months while I was overseas.First they put me on hold and then put a collection agent on the phone so he could insult me by yelling and attempting to intimidate me.He screamed at me and called me a liar saying I upgraded my property with their equipment to get a discount on insurance and that I committed fraud demanding money. He threatened me and said would put a lien on my home and whatever it takes to get me because I am a liar. he also threatened me with a poor credit report.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have continuously disputed the following 2 items on both my XXXX and Transunion reports. I have no knowledge of these accounts. I have contacted the debt collector and requested information and they refused to send it to me without verifying my social security number. I have never received a bill from this company and I have no outstanding medical debts I have had continuous medical coverage for the past 15 years that would cover any medical bills. The credit bureaus refuse to remove these items claiming they are valid, but I have not received any valid information. Item 1 : XXXX Collection/Chargeoff Other {$530.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$530.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection. Item 2 : XXXX Collection/Chargeoff Other {$100.00} Status Date Reported XXXX XXXX, 2017 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name XXXX Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$100.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Remarks Placed for collection.
Consumer complaint received 2017-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

i have seen my credit score went down, then i went to XXXX XXXX app, there i saw my credit score went down about 10 points, then i saw an account is open under my name, and without my permission the company name capital one added account under my name, i have never ever given my social security number, anywhere to request for an account, and i called the company capital one right away, and requested the account to be close immediately, because it was there mistake, now i would like to increase my credit score which went down 10 points. thank you
Consumer complaint received 2018-08-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DISCOVER BANK (UT)

I had a fraudulent purchase on my discover card at XXXX. I filed police reports and the police indicated that I was scammed through a known scam. I provided this information to discover card and informed them I was not paying the fraudulent charges. I provided a follow up letter when they refused to stop harassing me. I sent this letter asking them to stop contacting me by return receipt certified mail, return signature receipt, in XX/XX/2018. I received the return receipt showing they signed for the letter on XX/XX/2018. Discover card agents have called me repeatedly since that time. I mailed another letter to them telling them not to contact me. This was also sent by certified mail, signature required.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (NY)

GC Services is a collections agency for XXXX. I Spoke with GC Services via phone attempting to resolve with negative results. They requested that I email all info which I have done several times. I have not received a response. They have negatively impacted my credit because of a mistake that XXXX admitted making. Now they are at fault because they refuse to investigate and communicate with me. XXXX Corporate investigated this issue and it was resolved in my favor. I never owed them money! 
XXXX Corporate Services XXXX Ext. XXXX Name : XXXX XXXX # XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (NC)

In XX/XX/XXXX, i moved into an apartment community by the name of XXXX XXXX. During my stay the community switched management to XXXX XXXX XXXX. I Occupied the unit for exactly 12 months and gave proper notice to vacate. I signed my new lease in another city in XX/XX/XXXX. 

It was later reviled that the leasing company added a debt owed of XXXX. Stating that i did not leave my unit until XX/XX/XXXX. 

This balance is incorrect and inaccurate. i went to the community several times to see proof of their charges. They provided me with a ledger with all the wrong dates and information on it. The manager on duty was rude each time and gave me no help at all. She claims she has pictures, If she does it should have dates on it. The information from the ledger is not right. I need receipts of proof for this debt. 

I am asking for you to fully investigate this inaccuracy. Validate and delete the wrong information from my credit reports.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2018-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I have identity theft and fraud on my account. I have reported a claim before and now I will again due to someone else using my information, ssn, and other data in my credtials. The identity theft report number is XXXX. There are 7 disputes in the report. I am not sure how many more are in my other credit bureau reports. My social security number is XXXX and date of birth XX/XX/XXXX. Thank you for looking further into this. 


XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY (IN)

uring my honeymoon in XXXX, I was scammed by a taxi driver on XX/XX/scrub> 2024. He used his personal XXXX XXXX XXXX  to charge {$280.00} USD to my XXXX  credit card, even though he was supposed to charge me XXXX XXXXXXXX XXXX per his taxi dash unit. He was trembling quite a bit when I handed him my card to pay, so I was suspicious. Unfortunately we did not get his license plate number but I attached a picture of the dash charge ( in XXXX  ) that my wife took. Sure enough, later that day I checked my XXXX  card and there was a charge for {$280.00} USD pending on my account. I immediately called XXXX customer service to explain the fraudulent charge. The person on the phone cancelled by card and said the charge would be taken care of. Upon checking my account, I noticed the amount was refunded so I thought all was well. I checked my XXXX statement and the fraudulent charge was placed on that billing cycle. This should have never happened since I cancelled my card as soon as the fraud occurred and was still in pending status. I have reached out roughly a dozen times to Wells Fargo to dispute this charge and they have been of no help. They keep declining the charge saying that " As this card was in your possession at the time of purchase, there is no fraud and these are valid purchases. '' which is a ridiculous claim. I have also requested evidence from Wells Fargo of their 'research ' that they did to justify their declination of my dispute, but I have never received the documentation. I also asked for copies of all the recorded transcripts between myself and Wells Fargo ( since I know it's all recorded ), but they have not provided anything.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

XXXX my account was reported late I had spoken with a representative on the XXXX of XXXX and she advised me my payment had been return and I needed to make a payment to avoid a late payment on my account. I immediatly took action. The representative gave me false information and my score dropped 70 points! I am in the process of purchasing a home and this has impacted me tremendously. Please advise this company the to remove this and report the accurate information to my report. Below is the letter I sent the company. XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Re :  Acct. # XXXX - XXXX Dear Madam/Sir, I am writing to you today regarding my account # XXXX - XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of my accounts to the three credit agencies. First of all, let me start by saying " thank you '' for taking time out your busy day/ schedule to read my e-mail. I recently pulled my credit report and discovered that I have 1 '' Late Payment accounts reported with over 31 days delinquencies from XXXX XXXX XXXX with {$0.00} balances. This distressed me because I was unaware that when i submitted my payment someone had compromised my account with my bank therefore the payment was reversed without my knowledge.This adversely affects my ability to the complete the process of being a first time home buyer/owner with a strong credit rating. I 'm just trying to make a better life for my XXXX daughters while working hard as a XXXX XXXX This late report is one of the only things standing between myself and receiving the lowest interest rate available. I realize the position that I did n't proactively check my account statuses and I apologize for that immensely. I have definitely learned a valuable lesson the hard way and hope that you take my request to remove the 1 late/delinquencies off of my credit report into serious consideration. I hope that you will deeply consider my request. I look forward to your reply. In all honesty if not I will just close my account with commenity bank giving that fact I know I will be a loyal customer and shop wisely but I just need your assistance in this matter. Credit is impoortant to me because when I found out the payment was reversed the rep assured me I caught it in time and i submitted the payment XXXX XXXX. I was given inaccurate information and was told as long as im not 30 days past due and she assured me I wasnt. Please let fix this and move forward. Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Since graduation in 2012, the payments made to Navient Student loans have been wrongly dispersed between 4 out of 6 accounts. Exact amounts were sent with the account numbers to go towards specific accounts. Every time the accounts were reviewed they have dispersed the money differently than where we indicated it should go. So, for 6 years now, going from Sallie Mae to Navient the different accounts have not been paid as the checks have directed. It seems to be a way for them to continue gaining interest not allowing a loan to be paid off. Just this month, 2 accounts were sent with the exact payoff amounts. When checked on, it was determined that they dispersed the money differently yet again. When calling to try and remedy this, the person on the line does not seem to understand the problem or puts you on hold and hangs up. Each account receives their payment each month. 

6 years of this. Something needs to be addressed with this company.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I am the cosigner on this loan. Current balance {$10000.00} reported XX/XX/2018. 

AES/XXXX has changed the payment period of this debt with the primary debtor by deferring payment start date for repayment. I declined to agree to the modification. Changing the starting period of the loan payment schedule by several years without my consent is a violation of the loan agreement that I co-signed. 

I ask to be removed as the co-signer on this debt since the contract has been altered without my written agreement.
Consumer complaint received 2018-07-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I contacted Hunter Warfield regarding a collections account on my credit from XXXX in the amount of {$4000.00}. I knew the information they had was inaccurate so asked for specifics which they could not provide. I then contacted the original creditor in hopes of clarifying the facts. I was told they have no records of myself or owing money. At that time I contacted the collections agency again to figure out how they were going to rectify this unfortunate situation and removal of this account from my credit report. It was made clear to me they weren't in any hurry to correct this error. This is bad business and poor customer service!
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (LA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

MONTEREY COL ( Original Creditor : XXXX CAREER STEP ) account the position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IN)

I've contacted this company ( DCI ) 3 times by mail to get them to validate said debt and each response from them has not been a contract but a old phone bill from sprint. I did not contract nor promise them anything. I don't know or owe this company and they refuse to remove this negative account from my credit reports from all 3 bureaus.
Consumer complaint received 2018-07-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions has reported three collection accounts on my credit report. Prior to these accounts appearing on my credit file, I did not receive a notice of my right to dispute them. They just reported them, without giving me an opportunity to contest these bills that were paid by my health insurance. Failure to provide such a notice is a direct violation of my federal rights, protected under the Fair Debt Collection Practices Act. Bull City Financially is acting as an illegal collection agency, defying federal  collection law.