davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
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: Colony Brands, Inc. (WA)

Hello, I contacted Through the XX/XX/XXXX, XXXX XXXX, XXXX ( All 3 same company 3 different accounts numbers ) about verifying my signatures and ownership on all 3 accounts. They have been reporting to my credit bureaus negative information. I have tried to dispute with credit reporting agency 's and they keep saying verified. Yet, I see no proof these accounts were mine. Therefore, I directly contacted the companies 45 days ago asking for signatures and proof. I have not received anything back from the company. The date was XX/XX/2020 on the letter and they received it on XXXX XXXX. I will attach a tracking number and delivery conformation. Below is the letter I sent. 
Thank you- XXXX XXXX Through the XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX, XX/XX/XXXX XXXX XX/XX/2020 To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Through theXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-03
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: JH Portfolio Debt Equities, LLC (GA)

On several occasions I have disputed the XXXX XXXX XXXX account as this is NOT my account. I have submitted an identity they affidavit and a police report to state this was not my account. XXXX deleted this account in XX/XX/XXXX. This account has reappeared on my credit report XX/XX/XXXX. I disputed this account with JH Portfolio and they have responded with the following : XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. You should receive an update from the company within the next 15 days, and a final response within 60 days. 

Company responded Status Company responded on XX/XX/XXXXResponse TypeClosed with explanation Company 's Response We are in receipt of the consumer, XXXX XXXX 's, second complaint. This shall serve as JH Portfolio Debt Equities , LLC 's ( " JH '' ) response to same. As stated in our response for case # XXXX, JH deleted the tradelines for the account in question in XX/XX/XXXX. JH reports the same information at the same time to all three of the national credit reporting agencies ( " CRA '' ), XXXX, XXXX, & XXXX. JH utilizes XXXX reporting requirements as agreed upon by all of the CRAs. However, JH will submit a second " XXXX '' ( XXXX XXXX XXXX ) to the CRAs in an attempt to expedite the removal. 

I submitted the above information to XXXX on XX/XX/XXXX.  On XX/XX/XXXX XXXX responded stating At your request to conduct an investigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 

It is extremely hard for me to believe that XXXX XXXX is continuing to verify inaccurate information that continues to tarnish my credit file.I also find it hard to understand how XXXX has verified this as accurate if per XXXX XXXX this is to be deleted. This back and forth has been going on for over months.
Consumer complaint received 2017-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I was having issues with collections on my credit report recently and in the pass with to apartment agencies and also have an issues with other employers and car dealerships doing inquiries on credit report without asking me. I was trying to get rid of my collections, charge offs which I thought were inaccurate and reported incorrectly the credit agencies because of my racial and XXXX veteran background. I tried to work things out with credit repair agencies such as XXXX XXXX XXXX XXXX XXXX XXXX to help me clean my report and dispute the inaccuracies on my credit but all I got was the same results of bad credit and nothing to help me get employment or a home. I was unemployed and homeless at the time of the reporting to the credit agencies but I still paid my bills to XXXX and other credit repair agencies to help to clean my credit. I think terrible service to a veteran and it my credit should be clear of inaccuracies. I hsve contacted all my creditors to workout a payment plan and resolution but most of them have sold the account to collection agencies and credit attorneys who harass me with letters in the mail and emails about making higher payments and threats from old creditors about bills I already paid over multiple times. I just want to new credit report and new start for all my troubles. I did my best to pay everything owe but in the end their trying to make me pay more interest than before if I do n't pay up.
Consumer complaint received 2017-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX at about XXXX p.m. I attempted to enter into my Capital One XXXX account to make a payment. I received a system error message ( a similar screenshot is attached ). 

At about XXXX p.m., I called Capital One to see what the issue was and was connected with " XXXX '' at Capital One customer service. First, " XXXX XXXX said that I called last month claiming I wanted the account closed ( not true ). Next, he said that the account was closed due to possible fraudulently activity. Obviously, I was concerned of identity theft, so I pressed " XXXX '' for more details. 

" XXXX '' then accused me of fraud by saying that the account was opened fraudulently. I challenged this assertion, noting the account has been open for years and I paid every month on-time. I also questioned why if this was a possible fraud case I have not received ONE NOTIFICATION regarding these issues with my account. " XXXX '' then said I would need to wait to be contacted and " XXXX '' refused to divulge any more information. I then asked to speak to " XXXX 's '' supervisor. 

I do n't have " XXXX 's '' direct supervisor 's name, but the supervisor basically told me the same information as " XXXX. '' I then demanded to speak to a senior XXXX and after XXXX-minutes on hold I spoke to " XXXX. '' " XXXX '' said the account has been identified as a possible fraudulent account since XXXX XXXX and it has been closed. I then repeated my concerns that the first I am hearing about this is when I called about issues regarding my account. " XXXX '' claims a letter was sent by mail to my home ( not true ). Further, I did not appreciate being accused of fraud with no proof. Or, if I 'm the victim of identity theft, that I stand idly by until Capital One decides how to resolve this while leaving me in the dark with no information so that I can take steps to protect my credit. 

After being on the phone for XXXX-hour and XXXX-minutes, " XXXX '' said she would do nothing more for me and hung up the phone. I have contemporaneous written notes taken to back up all of the details above. 

Today, on XXXX XXXX, XXXX at about XXXX, I tried to log in again to make a payment and received an error message ( screenshot attached ). To this date, I have not received ONE MESSAGE from Capital One regarding the issues with my credit card.
Consumer complaint received 2017-12-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Debt Recovery Solutions, LLC (WI)

Debt Recovery Solutions, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) reported a 'placed in collection ' balance of {$1300.00} to XXXX XXXX XX/XX/XXXX. 

They reported the original creditor as XXXX XXXX XXXX of XXXX with an open date of XX/XX/XXXX. I do not have a balance with this creditor. This appears to be a 'new ' balance, which resulted in a significant credit score drop. 

Over the past couple of years I have received random phone calls and emails from similar payday loan companies threatening to proceed with arrest warrants, direct contact with my employer, putting my social security number on hold, etc. Additionally, there was direct refusal to validate the debt.
Consumer complaint received 2017-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

I have 5 credit cards with Chase and have been a customer of theirs for 10 years. They recently closed all my cards at once. I called them and they refused to tell me why. I also have checking and savings accounts with them, and am concerned that if they close those my direct deposit or mortgage could be affected. I am very frustrated by this sudden issue and the lack of and refusal of communication.
Consumer complaint received 2017-12-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (GA)

The date of this collection appear on my credit on XX/XX/XXXX ; I think it was for at the month of XXXX rent for my apartment which was already paid in full after I moved out. I had no idea that I owed XXXX to my old Apartment complex however they did not even notify me by mail or via phone. I have my document of vacating my apartment without any charges on the statements of my account but now I have a collection that will stay on my credit until XX/XX/XXXX. I paid my bill and the Manager was not nice to me and she tried to threaten to damage my credit report and have me thrown off the premises or take my property with my permission. I paid my rent and the bill for a year and 2 months. They also extend my lease contract for another month to get more money out of me.
Consumer complaint received 2017-10-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX, I filled out an online application for a Chase XXXX account. Except for the payment information needed for the initial account deposit, I entered in all of the application information requested, including personally identifiable information. 

Shortly afterwards, I received a congratulatory email from Chase for saving the application. It contained a link that supposedly would direct me to Chase 's XXXX XXXX page to complete my online application. According to the email, the application would be valid for XXXX  days from the date I last saved it ; however, my application could not be found after XXXX day. I immediately contacted Chase and they too were unable to locate my application and they never contacted me as was stated to me by a Chase call center representative. 

In the wake of recent credit breaches, I am extremely concerned that my PII has been comprised, which could lead to my financial harm.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc. (NM)

On XX/XX/XXXX I noticed a delinquency on my credit report. I immediately contacted the reporting collection agency to dispute the debt because I thought it was identity theft. I learned from XXXX XXXX XXXX that the original debt was from XXXX XXXX XXXX for XXXX XXXX my ex-husband. We were divorced in XX/XX/XXXX and this debt was for an overdraft of his checking account in XX/XX/XXXX. I disputed the debt as I am not liable for his debts after our divorce nor did I have any knowledge or any part in what happened. I provided our divorce paperwork to XXXX to remove myself from any joint accounts years ago. I was told by XXXX XXXX XXXX that there was nothing they could do and that I was liable for XXXX debt. I immediately contacted XXXX to dispute the debt. I was transferred to a member's resolution specialist. I explained that situation and disputed the debt. I was told that I was liable for XXXX debt because they could not locate a copy of a signed release form. That is not my fault. I did what I had to do to remove myself from any accounts and I am NOT liable for my ex-hsuband's unpaid debts 6 years after our divorce! Please help.
Consumer complaint received 2017-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.
Consumer complaint received 2017-10-23
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: Ceannate (GA)

Back in XXXX, XXXX, I became a victim of identity theft, My information was used to enroll in a XXXX college, XXXX University. My personal information was used without my consent. I did n't give anyone the autorization to use my social security number an birthday to take out money for student loans.. The person, that use my social security number and birthday, used a boguish name also. Also, at the partically time the loans was taking out, i didnt have a XXXX XXXX XXXX nor a XXXX. I want want this problem to be disputed an to be dissolved, because, it is affecting my credit score. I am being harrassed by collection agency and my wages has been threaten to be garnish. I cant even attend school to better my life because of the student loans being in default. I have tried to work this matter out with the Dept of education, i have sent in all the documents they asked me to. the denied me, saying i am respsonible to pay the money back. I dont think its fair, that i have to pay money back that i have never seen nor touched.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

In XX/XX/XXXX I had to close my checking account and open a new account. I had my Bank of America account on auto pay and I received an email on XX/XX/XXXX saying my payment was returned which I knew was because I forgot to update my checking account. Called them immediately gave my new bank account information and set up my payment. The next month I get a notification for another returned payment so I called XX/XX/XXXX and they had my account number wrong so I updated with them but they were struggling to understand how many XXXX  were in my account number. A month later I get another notification that my payment was returned so I called them yet again XX/XX/XXXX and they had the account number incorrect again. I spoke to another representative and again gave my number. Then on XX/XX/XXXX I got notification that they closed my account due to returned payments. I called them XX/XX/XXXX and XX/XX/XXXX and explained it was all the representatives fault not mine because I gave them the correct number. They said there was nothing they could do. I continued to make my payments on the closed account in XX/XX/XXXX and then in XX/XX/XXXX I get an email saying my payment was returned yet again. Immediately called them on XX/XX/XXXX and XX/XX/XXXX because I cant do anything online with my payments Im blocked so I have to call. I asked them how nothing has changed from XXXX to XXXX but XXXX payment was fine now XXXX payment is an issues. No answers or explanations. They said they would find out and call me never heard back that was XX/XX/XXXX.
Consumer complaint received 2017-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I summit a request loan forgiveness a couple of years back in XX/XX/XXXX to the U.S Department when I found out Everest University who was part of XXXX XXXX went bankrupt and close their schools. I received a email from U.S Department of Education back in XX/XX/XXXX that my loans forgiveness was approve under repayment rule 34 C.F.R S685.26 ( c ) and that it would be complete within the next 60-120 days and my servicer Navient will sent me more detail about the forgiveness including which loans have been forgiven. I waited pass and 120 days and I never received any information from my servicer provider Navient.. I called Navient to see the status of my loan forgiveness customer services transfer me a few time to a person that could answer my questions. Customer services told me they received the same email back in XX/XX/XXXX and said they are still waiting on US. Department of Education completed the process even thou the email stated 120 days past and also they stated even it can take over year once its approve for loan forgiveness. They also stated that my loans are in deferment without interest because when I file for the loan forgiveness with the US.Department of Education I had my loans put in deferment with US. Department of Education they had it set up were no interest would be added until a deccision has been made. I have been receiving quarterly statement from Navient and each statements showing increase on the interest itself this has been going on for the last two years while loans have been in derferment.. I called Navient to get this corrected and all I get is the run around with Navient customer services and one time they hang up on me before I get answer on why
Consumer complaint received 2017-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am on the PSLF program. Each year I file my XXXX form so Fedloan Servicing is aware of the payments I made the prior year. 

Currently, I have made 33 payments towards PSLF on my loans. This has been certified through their XXXX process. 

My XX/XX/XXXX bill reflects these credited payments however on my XX/XX/XXXX, and XX/XX/XXXX bills, the credited payments dropped on one of the loans from 33 credited payments to 30 credited payments. 

I called Fedloan Servicing about the matter and received some response that they will " look '' into it and that it may be a system glitch. However, in dealing with this company, I know that I will probably never receive anything resolving the matter and if I do, the answer will be incomplete, wrong, and/or confusing.
Consumer complaint received 2020-12-21
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 — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC (TX)

Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?
Consumer complaint received 2017-12-03
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: EQUIFAX, INC. (IN)

ONCE AGAIN XXXX FAILED TO NOTIFY ME OF A COMPANY NAME CHANGE FRO XXXX TO XXXX XXXX. AS WE SPEAK XXXX REPORTING ON XXXX AND EQUIFAX AS XXXX AND THE TITLE ON CREDIT REPORTS MUST REFLECT THAT CHANGE. THE PAYMENT HISTORIES ARE INACCURATELY COMPARE TO XXXX XXXX DATA. 

I AM FILING SUIT AGAINST ALL PARTIES SHOULD YOU FAIL TO CORRECT IN 30 DAYS OR DELETE ACCOUNT.