davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CT)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2020-06-08
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. (NY)

I mailed in dispute to Transunion on XX/XX/20 for account XXXX/XXXX XXXX listed on my credit report that is charged off. I received the results of the investigation and was notified that the account was accurate. This account was not opened by me nor did I authorize anyone to open this account in my name. I previously contacted XXXX/XXXX XXXX asking for a copy of the application or something with my signature on it and they have not been able to produce anything. Instead they sent me a bill with my name on it. I ask how were you able to verify that this account is accurate? I would like to see what XXXX/XXXX XXXX has produced to you proving that the account is mine when they were not able to give me anything. There are also inaccuracies on how this account is being reported. The FCRA states that all accounts need to be reported 100 % accurately. First XXXX/XXXX XXXX is not reporting that they sold this account to a collection agency, which is XXXX XXXX Solutions. I contacted XXXX XXXX Solutions by phone and they reported that the account was now with them. Second it is being reported that a past due balance of {$450.00} is owed to XXXX/XXXX XXXX. How is it a balance owed to XXXXXXXX XXXX   when they sold the account to collection agency XXXX XXXX Solutions? There should not be a balance on a charge off account that was sold to a collection agency.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I requested for a proper investigation to be completed for the accounts that were disputed almost every 35 days for over the last 14 months. Either a stall letter was sent, or it was noted that the account was not in dispute status after I disputed it several times. I know the accounts are questionable and the accounts are hindering me from obtaining credit.
Consumer complaint received 2024-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

On XX/XX/year> I entered into an agreement to refinance an auto loan on a XXXX XXXX  XXXX. The original loan was with XXXX XXXX  XXXX and the refinancing lender was Capital One Auto Finance. On XX/XX/XXXX Capital One issued a check in the amount of {$37000.00} to XXXX XXXX  XXXX to pay off the original loan. This is the amount that is reflected as the initial Capital One statement balance ( available online ). On or about XX/XX/XXXX, XXXX XXXX XXXXXXXX completed the payoff of the original loan which, on that date, had an outstanding balance of {$36000.00} ( give or take a days interest ). As of today, Capital One continues to show a loan outstanding balance of {$37000.00} and has not reflected the {$830.00} difference ( the " Excess Payment '' ) between the original check amount sent by Capital One to XXXX XXXX XXXX and the actual loan balance of {$36000.00} on that date ( which is, effectively, the amount refinanced ) .The Excess Payment, in the normal course of this transaction, should have been refunded to Capital One by XXXX XXXX XXXXXXXX XXXXubsequent to the extinguishment of my debt to XXXX XXXX XXXXXXXX since Capital One was the source of the funds used to repay the debt in full. 

On XX/XX/year> I had multiple conversations with XXXX XXXX XXXX and Capital One representatives ( including speaking directly to the Refinance Unit ). Capital One continues to insist they will not contact XXXX XXXX XXXX to receive repayment of the Excess Payment and insists that I contact XXXX XXXX XXXXXXXX to resolve the issue. I am not party to the refinance payment between Capital One and XXXX XXXX XXXXXXXX and, accordingly, XXXX XXXX XXXXXXXX would not be obligated to refund any amount of those funds to me. The refund obligation does, however, extend to Capital One. Capital One insists no refund has been received from XXXX XXXXXXXX XXXX but I am unable to establish the credibility of that claim. 

Capital One can easily rectify the situation by contacting XXXX XXXX XXXXXXXX and establishing for themselves the actual payoff amount of the loan and then proceed to reclaim the Excess Payment from XXXX XXXX XXXXXXXX. Yet they refuse to acknowledge any responsibility for resolving the matter.
Consumer complaint received 2017-04-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (CA)

They call daily at least 5 times from various numbers at all times of the day. They also automatically enrolled me in payment alerts via email. I 'm aware I owe them money calling non-stop wo n't make it appear in my bank account. Maybe they should focus on the customers they defrauded instead of wasting my time and theirs.
Consumer complaint received 2017-03-12
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affiliated Collection Services, LLC (NJ)

The medical facility already received {$790.00} from my insurance company, based on the improper level of care received, I am not responsible for the {$75.00} co payment, it is fully disputed. Letter below was sent to the President of this facility. 
Via E-mail XXXX XXXX XXXX, President/CEO RE : XXXX Triage Date : XXXX, 2016 Medical Record : XXXX Dear Mr. XXXX : I am writing you in regards to my experience at the above captioned facility, the care in which I received was horrendous and has resulted in never patronizing another facility within the XXXX. The only reason why I visited this location was due to the fact that my XXXX at XXXX is affiliated with this hospital. Possibly, the Physicians in which you contract with XXXX should be vetted more appropriately, as ultimately, this has a reflection on your health care system. The care received by Dr. XXXX, was less than ideal, after approximately two hours of care, I was discharged in worse condition than upon my arrival. My cell phone picture of the monitoring machine taken on XXXX, 2016 at XXXX., shows a XXXX of XXXX and upon walking to the parking garage with my companion, I XXXX twice. However, your emergency department assumed that I received stabilizing treatment. In fact, I was a patient at the emergency department of XXXX for the same issues on XXXX, 2016 for a total of fourteen hours vs. the two hours at your facility. Obviously, the medical records between the XXXX facilities will show a vast difference in the level of care received. However, I am most sure, your medical records will be falsified to reflect that I was resting comfortably on the stretcher upon discharge.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " XXXX ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I purchased my car for XXXX with a check for {$50000.00} from XXXX XXXX. The loan amount for the car was {$37000.00}. On XXXX XXXX I filed a XXXX with the IRS which was accepted and sent to the XXXX XXXX for ( Aquisition or Abandonment of secured property ). I recently filed a XXXX to discharge the debt. On XX/XX/XXXX my auto loan was made to " Now Current '' and on XX/XX/XXXX all my payments were changed from " Late '' to " on time payments ''. Now the auto loan has been placed as a charge off and according to 31 USC 3104 this debt has become a Certificate of Indebtness. The Fair Credit Reporting Act, 15 USC states it is illegal to report inaccurate transaction history. This debt is now charged off and income can not be reported on credit reports. I hired a company in Delaware to do a UCC-11 search. I have sent XXXX XXXX XXXX complaints stating my rights to my vehicle and demanding they mail my title free and clear to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and to place my payments they received from the federal reserve window ( being that they are my security transfer agents ) into my Treasury Direct Account. These actions are unlawful unacceptable and against the Banking XXXX of XXXX. The IRS has also been contacted to remove their POA with form XXXX and XXXX. I have also filed Bankruptcy under chapter XXXX due to hardship. I will be sending in the paperwork directly to XXXX XXXX to put them on notice.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, * XXXX XXXX XXXX  XXXX. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have dealt with Fedloan services multiple times about this issue, including with numerous officers that are in charge of calculating monthly payments. I transferred my loan from XXXX to Fedloan about a year ago, and shortly thereafter my monthly payment more than doubled in amount, increased by over 100 %, it went from about {$130.00} to almost XXXX. This was unexpected, unfathomable and unmanageable for a single mom with tremendous debts as it is.Trying to deal with the company has been draining, first they were giving me excuses and calculations that made no sense and that had absolutely no justification for the increase, they couldnt name any numbers of my income or from my recertification that justify such a tremendous jump, and finally this XXXX I spoke to the last recertification officer who informed me that there must be some issue because the numbers used to recertify my loan monthly payment amount where identical from the previous year. He indicated that there isnt a calculable reason in their records that explains the more than doubled monthly payment, he promised that someone would either fix the issue or contact me and explain what happened, this was about the sixth time I talked to them, since then even though he assured me it would be fixed or explained I have heard nothing. Ive written them a letter and gave them a time to answer and they have ignored it. I want my payment back to {$130.00}, its unfair I shouldve been able to make my payments for the last 6 months - bringing me closer to my 120 payments of my loan forgiveness but instead Im stuck because they more than doubled my payment without reason or justification, and I was forced to go into forbearance because I couldnt afford such a large unexpected payment.
Consumer complaint received 2023-05-10
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. (LA)

*See Attached Docs Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 

Your failure to delete the disputed accounts that you can not verify after numerous written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (TX)

Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

These companies are reporting fraudulent Inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me. 

XXXXXXXX XXXX {$390.00} XXXX XXXX {$250.00} XXXXXXXX XXXX XXXX  {$890.00} XXXX XXXX {$880.00} XXXX XXXX  {$150.00}
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

I have a complaint against Best Buy /CBNA. Ive called them several times and have been unsuccessful in reaching a resolution about settling a debt. Ive waited over a month for a response and have received nothing. When I call the reps, they give me the run around and ultimately are not able to help me. 

In addition to phone calls, Ive also sent out a letter to the creditor asking to settle the debt and again, no responses from either company. I have home ownership goals and needs that require my credit to be clear of any debts. Im willing to pay any monies owed and need to get this resolved ASAP. It is urgent that this matter is tended to immediately. 

Once paid, I would like to get any negative credit reporting and history from Best Buy removed from my credit report entirely. 

Please contact me ASAP regarding this matter. 

Thank You, -- XXXX, XXXX XXXX
Consumer complaint received 2020-06-08
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. (OR)

THERE ARE TWO SPECIFIC ACCOUNTS THAT NEGATIVELY REMAIN ON MY CREDIT REPORTS, NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THE ITEMS. I HAVE ATTEMPTING TO DISPUTE THE FOLLOWING ACCOUNTS NUMEROUS TIMES : XXXX XXXX ( XXXX ), & UNKNOWN MEDICAL ( XXXX ). NOTHING HAS BEEN DONE ABOUT THIS MATTER AND IT'S GETTING TO THE POINT WHERE IT'S FRUSTRATING. PLEASE HAVE THE BUREAUS REMOVE THESE ACCOUNTS ASAP. THEY'RE NEITHER VERIFIABLE, ACCURATE, NOR COMPLETE ( FCRA ), AND I DEMAND FOR THESE ITEMS TO BE REMOVED IMMEDIATELY. THEY DO NOT BELONG TO ME!
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC (KY)

I have attempted to contact bank mobile due to my account being suspended. I have called the customer care phone number listed on the website 12 separate times to resolve this issue since XX/XX/2023. Every time I end up on hold waiting for at least XXXX minutes each time before being disconnected. Each call has been at a different time. It shouldnt matter what time due to the fact that its a XXXX hour hotline.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (TX)

XXXX university never disbursed funds, I was told by the advisor at the time, that once disbursement was received, that I would receive a refund for the money borrowed from family and friends. I never received disbursements, and XXXX closed soon after. I just found out today XX/XX/23 while speaking with Nelnet that the loan was placed back onto my account under a different name, which is XXXX University, which I had no knowledge of. Recently gained knowledge of GreatLakes selling my account to Nelnet via my XXXX app.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.