davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XX/XX/XXXX XXXX XXXX received call from bank of America fraud division advising my credit card was hacked. asked me if i purchased {$2800.00} worth of 'pot growing lites. ' advised i hadn't. rep told me she researched my purchase history and concluded i didn't order them and went as far as to close my card card and reissue new one. told me that amount was already charged to card but would be backed off and merchant wouldn't get. 

i have included a letter sent to bank of America on XX/XX/XXXX and a subsequent letter sent to them on XX/XX/XXXX. 

I TAKE GREAT PRIDE IN MY CREDIT SCORE AND BLEMISH FREE CREDIT REPORT. I HAVE ADVISED BANK OF AMERICA PERSONNEL ON SEVERAL OCCASIONS THAT THEY HAVE BETTER NOT DING MY CREDIT OR LEGAL ACTION WOULD RESULT! I HAVE NEVER IN MY LIFE SEEN A COMPANY ESPECIALLY A BANK RUN WITH SUCH INEPTITUDE. THE LEFT HAND LITERALLY DOESN'T KNOW WHAT THE RIGHT HAND IS DOING! 
It really is disgusting and reprehensible that a bank is permitted to conduct business in such as slipshod manner! All of my mental ; anguish and grief could have been avoided if B of A would have contacted the shipper as they said they would before the order shipped. and to this date the several voice mails left at the shippers point of business have gone unanswered. Thank you for your assistance in this very critical matter. sincerely XXXX XXXX
Consumer complaint received 2018-06-16
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 (NY)

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Consumer complaint received 2018-09-04
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. (GA)

In XX/XX/XXXX, I requested a copy of my credit report be sent out by XXXX. I started going thru it and immediately found a problem : XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Partial Account Number : **** Original Creditor : XXXX XXXX Status : Collection account. {$210.00} past due as of XX/XX/XXXX Now, this is from when I lived at XXXX XXXX XXXX, in XXXX XXXX, back in XXXX. It was for high-speed internet service. I phoned in and canceled the service, before relocating from XXXX XXXX to the XXXX XXXX, around XX/XX/XXXX. The person that I spoke with asked about whether or not I would be starting the service up, again, in my new location, and I said that it should just be terminated as I was not sure where I would be living and if XXXX XXXX  would even be available, where I eventually settled. 

I have spent most of the past three years in XXXX, XXXX. 

I phoned XXXX, on XX/XX/XXXX, to dispute the claim. I related the story to them, via their system. 

Later on XX/XX/XXXX, I logged in to find that the collection item had been deleted. 

In XXXX, though, it showed up, again : this time, associated with an " XXXX XXXX XXXX ''. 

XX/XX/XXXX Update : I phoned TransUnion ( at XXXX ), today, to go over the whole sad, sorry case. Thru the person that I spoke with, I filed another dispute ... Confirmation ( transUnion case ) Number :  XXXX. 

XX/XX/XXXX update : I found that the collection item was still showing on my credit report, a few days ago. So, I phoned TransUnion, again. The rep said that there was a XX/XX/XXXX, expected response date. He said, also, that a statement of the results of my XX/XX/XXXX dispute had been mailed to me, at the XXXX address. I wasn't there to receive it, but since this item is still showing on my credit report, it seems that the dispute went nowhere. 

XXXX dropped the item, but TransUnion is failing to do so. 

On XX/XX/XXXX, I lodge a complaint against XXXX XXXX XXXX with the XXXX  ... 


Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : <email address removed> Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX <postal address removed> Filed against : XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTER ACT XXXX XXXX ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C. 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION A SECTION 2 I ALSO STATE A CONSUMER REPORTIING AGENCY CAN NOT FURNISH YOUR ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX  XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Consumer complaint received 2018-09-04
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: SYNCHRONY FINANCIAL (GA)

I have a loan with SYNCB/XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SYNCB/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-06-16
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: ENCORE CAPITAL GROUP INC. (GA)

XX/XX/XXXX I sent XXXX XXXX letter asking them to provide me with original documentation from two companies ( XXXX XXXX XXXX and XXXX/XXXX  ). They responded to my dispute in a timely manner ( XX/XX/XXXX ), however they did not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) or promptly delete inaccurate information as it states under Section 611 ( 5 ) ( A ) of the FCRA. Their response was " The company that reported the information has certified to XXXX  that the information is accurate. '' XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, in response to the XXXX letter from XXXX, stating they were unable to locate my account because the credit bureau doesn't disclose the full account information and asked me to help verify the debt for them. I sent this letter to XXXX  and ask them their methods of verifying the accounts and how was this account verified if XXXX couldn't verify it. How can they certify to XXXX that the information is accurate. XXXX didn't respond. 

XXXX XXXX, I received a letter from XXXX XXXX XXXX in regards to the XXXX/XXXX account that is reporting on my report. Included was a letter from XXXX stated that the account was sold to XXXX XXXX XXXX and I should address my concerns with them. XXXX XXXX XXXX told me they received and processed my dispute ( XXXX letter ) and the information is accurate. Failing to provide me with a original contractual agreement that I am obligated to pay the balance that they say I owe. They sent me information that can be publicly access through my credit report, via permissible authorization because they're a collection agency. 

All parties have FAILED to provide me with the information I asked for which is : Original physical documentation that proves that I owe the debt : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : These are violations Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act and as a consumer I am highly upset and offended that these companies do not take the law very seriously.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I was trying to get a consolidation loan due to too many loans and credit cards maxed out from the divorce I am in the middle of. On the evening of XX/XX/XXXX I got a call back from the loan place and they asked me to buy a card to give them the number I could only assume to get their money back and then cancel payment so they make a profit. Well I then call capital one and tell them I think that payment was a scam and I dont want to be in trouble for it. Fraud depo said of course no worries we will help you. I ask them to verify the account or just stop payment and they said they could stop it or verify the account due to it being the weekend now. I was advised to call back on mon XX/XX/XXXX. Well I did and I was told there is nothing that can be done and he couldnt verify the account but assured me I was not going to be held accountable. Well they then froze my cards and the next day closed both my accounts. I have been a good customer for almost 2 years and always paid on time and usually was always at least twice the minimum payment. I asked why they closed my account and they said because i had 4 returned payments during the life of the acct and I said how is the last one my fault I even told you it was fake then you punish me even after I pay extra to make an XXXX   payment to make sure I still get my bill paid on time cuz I didnt know if I was gon na get a late payment charge since I knew it was gon na bounce back. I read the entire terms and conditions and I did not read anywhere that if I had 4 returned payments that I was in acct default and my accts would be closed. I feel treated unfair due to I told them about the bad payment and made the right one thr next day and they still closed me and I can not get them reopened. Now my oldest credit card accts are closed for no good reason with 100 % on time payments and its hurting my credit score now. Not right I did everything I was supposed to do.
Consumer complaint received 2018-06-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I received a letter in XX/XX/XXXX from XXXX XXXX XXXX XXXX about two of my federal loans being in Defualt. When I contacted them, I stated there must be a mistake because I had all federal loans in forbearance. The person I was talking to gave me an address to send my dispute to and placed the collection in dispute status.

Several months later on XX/XX/XXXX, I received a letter from my payroll department about a garnishment. I immediately on the next day and multiple days later, spent hours on the phone trying to figure out it went into default. After spending a total of 21 hours on the phone and doing a lot of research, I found some interesting things : Originally, XXXX XXXX  had the loan, then it switched to Navient.XX/XX/XXXX, I received a phone call from Navient about two federal loans that were close to default, apparently they didn't do another forbearance because it went from 244 days past to only 215 days past. I just found this out yesterday. In XX/XX/XXXX, they transferred the loan to XXXX XXXX XXXX XXXX, in which they contracted XXXX XXXX XXXX XXXX   to collect.

Until I am able to figure out how and why the two loans went into default, I wanted to reduce the 15 % wage garnishment to something I am able to afford. XXXX had told me that they couldn't do anything unless the guarantor ( XXXX XXXX XXXX XXXX ) contacts them to modify the garnishment.

The problem is that trying to contact XXXX XXXX XXXX XXXX is like chasing a ghost. All calls end up being redirected back to Navient.

Now, Navient says they are on behalf of XXXX XXXX XXXX XXXX, but they can't change or modify the garnishment because XXXX XXXX XXXX XXXX is the guarantor.

Now what is really interesting is that when you search for XXXX XXXX XXXX XXXX, it comes up with XXXX XXXX. I then found out that XXXX XXXX took over loans from XXXX XXXX XXXX XXXX. When I contacted them, they told me that they had my two federal loans for a short period of time but returned it back to Navient. I also found out that XXXX XXXX XXXX XXXX  changed their name to XXXX XXXX XXXX in XX/XX/XXXX and no longer has a role in student loans.

When I contacted XXXX XXXX XXXX XXXX  and had a recorded conversation, I let them know that there is no company as " XXXX XXXX XXXX XXXX '' and the garnishment should be nulled immediately until the correct guarantor is listed on the wage garnishment. They told me that they do exist and they are going off what is listed on the contract. I let them know that XXXX does not exist and no one can seem to reach anyone from XXXX   and their contract is illegal and should be terminated immediately. They declined
Consumer complaint received 2022-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In XXXX, I originally had XXXX XXXXtudent loans that were part of the federal student loan program. Unbeknown to me, at some point, Congress privatized my loans, and they were taken over by XXXX. After recently checking my credit report, I discovered XXXX 90-day late payment for XX/XX/XXXX, but the payment for all the months prior reflected as current. I was under the impression that these loans were automatically included in the provisions to have student loan payments paused under the CARES Act. After speaking with two different XXXXt customer service representatives on XXXX, I was informed that these two loans were not covered under the CARES Act, and instead, they had been put into suspension under a Student Debt Burden Forbearance. I was also informed that this forbearance was back dated to cover whatever 90-day late payment listed on my credit reports, as if it was never late. Both customer service representatives refused to removed the inaccurate 90 day late payment from my credit report, even by reflection of what they reported, there was no 90 day late payment. This negative 90 day mark on my credit reports is causing me even more undue and unnecessary hardship during this pandemic that our nation is facing. My provisions and protections under the CARES Act have been violated. After the unwillingness of XXXX to comply, I also disputed this information directly with the credit bureaus, and XXXX was said to have verified and updated the information, but the XXXX late payment remains. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, Pub. L. No. 116-136 ( XXXX. XXXX, XXXX ), at section 4021, amends the Fair Credit Reporting Act ( FCRA ). A new subparagraph ( F ) is added to 15 U.S.C. 1681s-2 ( a ) ( 1 ). This new FCRA subparagraph provides protections only if a creditor approves a consumer for an accommodation. An accommodation is an agreement for a forbearance, a payment deferral, a partial payment agreement, a loan modification, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( i ) ( I ). 

I was accommodated when the payments were put in its deferred status, and XXXX did not delete the negative mark from my credit report. They only commented that the payments are deferred until XX/XX/XXXX. I demand that XXXX remove the XXXX late payment mark from XX/XX/XXXX, and show it as " ok '' and current.
Consumer complaint received 2018-06-18
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: Account Control Technology, Inc. (TX)

On XX/XX/2018, I sent a dispute letter to Account Control Technology , Inc. disputing an entry they placed on my credit reports. In dispute, I specifically requested that they provide : *An agreement that states thier authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary Account Control Technology, Inc. neglected to submit the information as requested that would validate the debt. Additionally, they failed to submit any documentation that bore my original signature, failed to provide the original delinquency date, did not provide proof that the statute of limitations had not expired for this debt, did not provide the complete accounting of the alleged debt, did not prove that they have the authority to collect on this alleged debt in the state of Texas nor did they provide the name and address of the bonding agent for their collection agency in case legal action becomes necessary. 

Account Control Technology , Inc. must delete this unvalidated, unverifiable, inaccurate, erroneous entry from my credit reports immediately!
Consumer complaint received 2018-09-04
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. (NC)

I PULLED MY CREDIT FILE BACK IN XX/XX/2018 AND SEEN SEVERAL ITEMS ON IT THAT WERE NOT MINE, I CALLED THE CREDIT UNION DIRECTLY AND THEY WERE NO HELP AT ALL, I CALLED EQUIFAX AND XXXX, XXXX AND FILED A DISPUTED WITH THEM AND EVERYTHING CAME OFF EXCEPT EQUIFAX. I CALLED AND TALKED TO THE FRAUD DISPUTE TEAM AND EVEN FAXED IN MY POLICE REPORT AND THEY STATED TO ME IT WILL COME OFF ASAP AND THE ACCOUNTS WILL BE BLOCKED. NEVER HAPPENED AND NOW MY HOME LENDER IS CALLING MY HOME NOTE IN DUE TO THIS PROBLEM. NOW THERES ADDRESS IN SOUTH CAROLINA POPPING UP ON MY FILE WITH EQUIFAX. I CALL DAILEY BUT NO HELP. I HAVE ATTACHED MY UPDATED POLICE REPORT THATS BEEN VERIFIED WITH THE OFFICE OF THE CONSUMER AFFAIRS. PLEASE HELP OR I'LL SEEK LEGAL ACTION.
Consumer complaint received 2018-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (OR)

The organization goes by the name of Blue Trust Loans. I filled out a form posted on their website. Then I received a phone call from someone in their Customer Service department. They asked me to verify the information I had made online.They also asked what dates I was paid on. 

I was told that for the {$500.00} loan if I paid it back before the first payment was due I would owe {$650.00}. If not there would be 6 payments - the first {$150.00} and then 5 payments of {$160.00}. Which I have paid. The payments where taken by a company called Hummingbird. 

On XX/XX/2018 I went to my credit union to close the account for a reason not connected to this. Then on XX/XX/XXXX I got a phone call from Blue Trust that a payment was returned to them. I told them ( XXXX ) that I had made the 6 payments and had the transaction report from my bank. She proceeded to tell me that I owed another 6 payments of {$160.00} that is additional interest. I requested they send me an email that stated all this. It has never been received even though I have asked 3 times now. I told her that this was not what was explained to me and that my next phone call was going to be to an Attorney. 

On Wednesday XX/XX/XXXX they ( XXXX ) called on my employers main client line. 

They have been calling my cell phone from a " Private number '' and then leave a message with different phone numbers to call them at - XXXX and XXXX. 

They have shown that they are misleading on the loan and have a deceptive business practice.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (IN)

On XX/XX/2018 XXXX XXXX card company received my XXXX compensation check from the Veterans Affairs Administration and have yet to send the check back or offer a better solution so that I may receive funds. It has put me in a hardship and i risk losing my home and vehicle as they have not yet sent the check back to Veterans Affairs, I desperately need my money and do not understand why they have not send it back yet. It has put me in a terrible hardship. Can someone please help. The check is a little over {$3200.00}. I have called them once last week and once today which is XX/XX/2018.