davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (MS)

On XX/XX/2018 I contacted XXXX for a fraudulent inquiry that was placed on my credit report. I completed mailed documents that they required and also contacted the credit bureau on three different ocassions and it has not been resolved and removed and has tremendously affected my credit. I also received another fraudulent XXXX   charge that I never requested. I feel that something fraudulent is going on with pay pal. Several of my family members reported several fraudulent XXXX charges recently. They have not corrected and removed the fraudulent inquiry and it is now XXXX over 90 days and that very poor abusive and illegal service.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (TX)

Per the XXXX XXXX XXXX XXXX, and the reporting responsibilities of data furnishers under the Metro 2 format, it is boldly stated on page 4-7 " Do not report the Social Security Number, in whole or in part, within the Consumer Account Number. '' Conduent ( formally ACS who is still reporting as ACS ) has my partial social security number reporting as my account number and has been doing so since 2006 ( proof attached )! This is a blatant violation of the CIDA, and standards of Metro 2. Furthermore, the account is not reporting the correct type of account, account name of creditor, correct address for disputes to be sent too. This account reporting is not only violating FCRA law but Texas Finance Code section 392, reporting requirements advised under the CIDA, and the CFPB. Either the account is corrected immediately, or it must be deleted.
Consumer complaint received 2018-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I am having a few issues with Navient regarding my student loans. 

1. I keep track of my payments and every time I go back in to pay extra amounts towards my loan the loan balance has gone up.

2. They will not allow me to pay all extra payments towards my principal balance.

3. After paying off a few loans in full, they dropped my payment amount without any notification they were doing so. I've called several times to ask them to keep it at the original payment amount and they continue to not change it automatically.

I also want to know if I was affected by the Navient lawsuit where payments were being mishandled and incorrect steps were taken to help borrows get out of debt faster.
Consumer complaint received 2018-08-10
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: EQUIFAX, INC. (TN)

I have disputed the following Collection Account with XXXX & Equifax - I am in the process of disputing with XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Balance -  XXXX XX/XX/2018 They have failed to remove this collection account from my reports, that I have no knowledge of. This Collection Agency is not licensed, nor bonded in the state of Tennessee, in which I reside, which is a direct violation of TN State law, along with violating FCRA requirements. 

I want this illegal Collections account removed from all 3 of my credit reports immediately & all collection efforts ceased before I am forced to seek legal counsel because of the damages that I have been subjected to.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have tried several times to request removal of a credit freeze to no avail. Submitted my information and have not heard from Experian. I provided my PIN number, provided by Experian and still have trouble removing the freeze. 

Have uploaded documents they requested to verify my identity and still have not heard from Experian. Tried calling as well, and have trouble trying to reach a live operator. The voice prompts are of no help. I provided the information and the response I get is that they are unable to verify. 

I had to place a credit freeze, because my information was hacked from their system, now that I need to apply for a student loan for my daughter it is impossible to lift the freeze. 

The other credit bureau 's, provided live operator and assisted in my request to lift the security freeze. 

Can your office compel, Experian to provide a live operator to assist consumers?
Consumer complaint received 2018-08-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NJ)

I have been due {$400.00} due to an overpayment on my PayPal Credit account since XX/XX/2018. On XX/XX/2018 According to my account statement, PayPal Credit withdrew the credit balance of {$400.00} from my account and has yet to refund the money as of this date. After 2 emails and 4 telephone calls to PayPal Credit customer service, I have been told that they are experiencing problems with refunding funds to several customers including me but they are working on the problem. As of this date, I have not received my funds totaling {$400.00} USD. 

Making a refund should not take this amount of extensive time.
Consumer complaint received 2024-10-23
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)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2023-05-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I have two accounts one for XXXX and one for XXXX from PROTFOLIO RECOVERY they called me telling me that they are going to my job with papers to take me to court many many many times
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc. (GA)

The original complaint was not properly reviewed ; as a result I am resubmitting a new complaint to have the issues of the original complaint addressed properly. 

My issue was with the unprofessional actions of Cater-Young 's employee XXXX XXXX. Additionally, the address Carter-Young has in your system is incorrect, so I did not receive the notification. Because I was not notified by XXXX XXXX XXXX XXXX of the transfer of the medical debt to Carter-Young collections, I was unable to provide either parties with a updated mailing address. 

If Carter-Young 's employee XXXX XXXX would have continue the conversion and not hung up the phone before the conversation ended, Carter-Young would have been informed that my mailing address changed. Because Carter-Young did not have the correct address information and did not allow me to provide updated address due to XXXX XXXX 's rude and unprofessional behavior, I still do not have the required information to make any payments. 

As mention to Carter-Young employees, I am more the willing to pay off the debt as I was doing directly with XXXX XXXX XXXX XXXX ; filing a collections account on my my personal credit report is unnecessary. Especially since, I was not properly notified of the collections account, and am willing to settle the debt as I was doing with XXXX XXXX XXXX XXXX. Please have the collection account removed from my credit report.
Consumer complaint received 2018-08-10
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. (OH)

I disputed some charges that my General Contractor ( for a home remodel ) charged for labor and materials that he didn't buy/complete. Chase/Visa resolved 4 of the 5 charges ( in my favor -- the contractor didn't even respond or try to appeal since it was a clear-cut case ). The 5th and final charge wasn't resolved in my favor only because of a timing issue that Chase had with VIsa. My contractor charged this amount in question on XX/XX/2018. I filed the dispute XX/XX/2018 ( after giving the contractor many chances to buy the materials and complete the job I had paid for ). Visa gives 118 days to file a dispute from the date of the transaction. This was only 109 days ( within the time frame ). Chase 's dispute team took too long to file it to Visa ( once it was already after the 118 days ) and that is the one and only reason that the Contractor will end up with my money that is essentially stolen. This con-man will " win '' only because Chase didn't file it in time to Visa. I am an extremely loyal Chase customer and it took 5 calls to finally get a supervisor to finally get on the phone only to tell me that it didn't go through only because of timing.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/XXXX To Whom It May Concern, I recently reviewed my Experian credit report and noticed a late payment posted on my account with XXXX XXXX : Account Information : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX Account Opened : XX/XX/XXXX I have never been late on this account and am requesting that you provide documentation proving that a late payment occurred. If you can not supply this proof, I request that you DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - Permissible Purpose of Consumer Reports, it clearly states that consumer reports can only be furnished under specific circumstances, none of which apply here. 

In addition, the Fair Credit Reporting Act, 15 USC 1681 ( 2 ) ( a ) ( i ), defines exclusions for consumer reports, and the information you reported falls under these exclusions. 

Failure to address this dispute properly will result in legal action, where I will seek {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Please delete the incorrect late payment and provide me with a free copy of my updated report after the changes have been made. 

Best regards, XXXX XXXX Phone : XXXX Email : XXXX Make sure to add the correct address for XXXX XXXX and todays date. Let me know if youd like to adjust anything further!
Consumer complaint received 2023-07-10
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: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding their continuous failure to protect my privacy and their alleged failure to maintain reasonable procedures to ensure the highest level of accuracy, as required by the Fair Credit Reporting Act ( FCRA ). Despite numerous attempts to address concerns and rectify inaccuracies in my credit reports, I have encountered ongoing issues with these consumer reporting agencies. The repeated instances of privacy breaches and inaccurate reporting have had a severe impact on my financial well-being, causing undue stress and frustration. Furthermore, their alleged failure to validate their method of verification raises significant concerns about the integrity and reliability of the information they provide. I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action to address the failure of Experian, XXXX, and XXXX to protect consumer privacy and maintain accurate credit reporting practices.
Consumer complaint received 2018-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I WENT TO CAPITAL ONE TO TRANSFER MY IRA, OPEN CDS, MONEY MARKET, AND TO GET SOME HELP. 

I AM PROFOUNDLY XXXX AND HAD EVEN MADE AN APPOINTMENT WITH THE BANK TO HELP ME FACE TO FACE AND EVEN BROUGHT A MEDICALLY NECESSARY LETTER FOR MY RIGHTS AS A XXXX XXXX PERSON AND MADE IT VERY KNOWN TO THE BANK AND THEIR ADA ENFORCEMENT OFFICE THAT I WOULD NEED A PERSON ON A HANDHELD PHONE TO BE THERE AT ALL TIMES, WHEN I HAVE TO CALL IN. I ALSO MADE IT VERY WELL KNOWN THAT I WOULD NEED A PRIVATE ROOM AT THE BANK AND HELP AND SHOULD NEVER BE RUSHED OR PUSHED OUT. 

ON DAY ONE, I WAS TOLD TO LEAVE BY XXXX THE BANK MANAGER AND TO COME BACK ANOTHER DAY OR TO ACCEPT HIGHER AMOUNTS AS HER PERSON WHO WAS UNSURE OF WHAT SHE WAS DOING, WAS TAKING UP TOO MUCH TIME. I HAD EVEN MADE THE APPOINTMENT 2 WEEKS AHEAD, AND HAD EVEN TAKEN A CAB OVER TWICE ALREADY, YET XXXX STILL WAS ABOVE RUDE. 

I TOOK THE CAB OVER ANOTHER DAY AS XXXX TOLD ME TO DO, AND STILL NO ONE TO NOTARIZE A THING AT THE BANK, SO I HAD TO GO ELSEWHERE AND CALL AND CALL ON THE PHONE, PUSHED AWAY, HUNG UP ON AND MORE WHEN I HAD MEDICALLY NECESSARY LETTERS IN MY FILES. I AM VERY UPSET AS CAPITAL ONE PROMISED ME TO HELP AND TO HAVE THINGS SET UP UNDER MY NEEDS AND NEVER HAVE. 

I WAS ALSO TOLD THAT MY FUNDS WOULD BE AVAILABLE IN 2 TO 3 DAYS WHICH I WAS LIED TO AND STILL HAVE NOT SEEN.

I LIVE OFF MY INTEREST AND HAVE LITERALLY BEEN WALKED ON AND PUT TO SHAME FOR NOT HEARING ON HEADSETS AND VOIP SYSTEM. CAPITAL ONE HAS REFUSED TO GET ME SOME HELP AND TO BE IN ADA COMPLIANCE. I HAVE EVEN PROVIDED THEM WITH MEDICALLY NECESSARY LETTERS AND MORE. 

4 DAYS AGO, I WAS TO GET A CALL AT XXXX XXXX, AND IT NEVER ONCE OCCURED. IT HAS BEEN A GAME OVER AND OVER AGAIN WITH CAPITAL ONE. THEY DO NOT CARE AT ALL AND MY REQUEST IS IN THEIR HANDS., I HAVE SHED SO MANY TEARS ALREADY AND HAVE ALSO TURNED THIS INTO THE ADA AND OCC. 

I AM ONLY BEGGING FOR MY RIGHTS AND EFFECTIVE COMMUNICATION. I AM ON SSDI AND A XXXX XXXX  INDIVIDUAL WHO NEEDS SOME HELP PLEASE.
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am submitting this complaint as I am a victim of Identity theft, I submitted the proper documentation and had the erroneous accounts removed. 2 months later one of the accounts reappears with no validation or justification.
Consumer complaint received 2018-08-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX I called XXXX XXXX, Equifax, XXXX to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Consumer complaint received 2024-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (NY)

IN REFERENCE TO THE COMPLAINT XXXX The Citi had responded with a letter that is not clear and didn't mention the result of the claim Credit Protection Membership for XXXX Account Claim Number : XXXX ; Instead the letter indicates that I was qualified for a hardship program with no details, balance or breakdown information in regards. 

They have requested a lot of paperwork and I have spent a lot of money collecting the requested paperwork and certified email and they didn't respond yet. Attached the letter they sent and previous letters I have sent to them by mail and fax. Before that it was a lot of correspondence to another divisions they instructed me to sent the paperwork as well. 

The purpose of the insurance was to protect the balance of the credit card, then I was evicted and I had many financial and health struggles to this day and this company after charging {$100.00} per month in the insurance, is now avoiding the application of benefits, and did not provide a direct answer. This program and services are very deceptive. 
XXXX Previous COMPLAINT XXXX background details : I notified Macys Customer Services since XX/XX/2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having XXXX XXXX and XXXX   XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security XXXX ), leaving here and there without home and looking to move forward with my financial situation.
Consumer complaint received 2018-08-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This is one of 3 medical bills from XXXX of 2014, I had insurance the hospital sold my information to the collection agency I am asking 5e remove them from all three of the credit bureaus. The have sent collection letters, called, and threatened me with financial hardships if I do not pay.I am a XXXX XXXX VETERAN, WITH XXXX AND XXXX XXXX
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NY)

I have written several certified letters To ( Ability Recovery ) requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. which they claim ( I owe them {$1600.00} ) Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2018-08-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (FL)

This is a Company that had a diffrent interest rate that I signed and the copy I have was not legible to me at the signing of this contract. I will be sending you some paper work on the problems and how it got to this. this complaint goes against two companies. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX, Fl XXXX The complaint is for shady lending practices and lying giving me poor contract documents that I got from these two agencies. My notes will tell you this problem and how I try to work with them but refuse to contact me in a Reasonable time frame.