davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX XXXX.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit score. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information.I have no clue what in the world the Credit Bureaus are trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with by them. These items were fraudulently appeared. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. Here are the following fraudulent items that are needs to be remove : 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 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 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 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 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 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
Consumer complaint received 2024-07-02
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings (FL)

XX/XX/2024 got a call from IQ Data debt collector regarding a debt that I requested information about previously, in which the man decided to tell me thats not his concern and that the manager has been avoiding giving me the information requested. I stated that I will not pay a debt I dont have information on. He then stated that he will contact my employer and asked if I was bilingual. I asked what me being bilingual has to do with anything and he said that it has to do with everything and my people. I told him I dont appreciate how hes talking to me and he said its not his problem that Im soft and dont like how hes speaking. Cursed. So I hung up and contacted my leasing office.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (VA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

i mailed 2 checks to my mortgage holder in XXXX CA. someone intercepted the mail & stole the checks. those checks got deposited to a credit union in XXXX CA. no signature on the back of the checks. my mortgage holder uses the same bank in XXXX for nearly 20 years & always signs the back of the check. The checks were deposited to The XXXX XXXX XXXX XXXX on XX/XX/XXXX. check XXXX XXXX & XXXX both in amount of $ XXXXMy account with JP Morgan Chase overdrew on XX/XX/XXXX. i reported the fraud to my bank. they reimbursed me for XXXX check, {$320.00} on XX/XX/XXXX. i received forms to fill out & when they got them back they reimbursed me for the second check. this was a provisional reimbursement. a year later, on XX/XX/XXXX, JPMorgan Chase withdrew {$320.00} and when i called they said they were unable to recover the funds from the Credit Union. they stated, " no response ''. they left my account negative {$180.00}. i got 3 letters from them online at their website stating they were not able to recover the funds & they got no response from the credit union. they gave me the address of the XXXX XXXX XXXX XXXX in XXXX CA & told me that i could foll0w up with them directly. i already called the Credit Union twice to no avail, and was told that communication was only down between them & my bank. my account remains negative {$180.00}.
Consumer complaint received 2019-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

I recently checked my credit reports and there is a collection account showing on my credit reports for a company called Convergent Outsourcing. The original account holder is XXXX and in the amount of {$720.00}. This alleged account does not belong to me and is causing negative information to be reported. I've already reached out to XXXX and they advised me to reach out to Convergent Outsourcing to have the negative information disputed and removed. I have disputed the Convergent Outsourcing collection account with all 3 credit bereaus and they refuse to remove the alleged debt. At this point I would just like it to be removed so that I may be able to acquire new credit and build a positive portfolio.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-12
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. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account ( XXXX ) I am asking you to verify as accurate. Account ( XXXX ) account name : XXXX : account number : XXXX ; Account ( XXXX ) account name : XXXX account number : XXXX ; Account ( XXXX ) account name : XXXX account XXXX : XXXX
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Good Afternoon, Im submitting this complaint in good faith. I called Huntington customer service today, XX/XX/year> at XXXXXXXX XXXX XXXX. I spoke with a representative in the online banking area. I advised to the representative that my balance yesterday was {$14.00}, and this morning my 24 hour grace was on and my balance is NEGATIVE {$250.00}. No new transactions went through that would warrant this negative amount, nor did I spend more than I shouldve, as my online banking reflected {$14.00} after I transferred money from my savings to my checking. After 15 minutes into the call, the representative advised there was a lag on THEIR END resulting in incorrect balances reflecting as she confirmed the text message I received on XX/XX/year> at XXXX XXXX XXXX informed me I had a balance of {$14.00}. They offered no assistance besides calling back IF I get charged NSF fees which will most definitely happen as 3 are pending for tomorrow XX/XX/year> and I have 4 pending transactions, which will result in 4 more overdraft fees being added. I have a screenshot of the text message THEY provided to me, showing my balance was {$14.00}. I now have no actual funds besides digging myself into negative further for food, or gas to get to work. This is completely unfair of them to admit their error and offer no assistance. I also was able to transfer money from my checking account to my savings in the amount of {$150.00} ish dollars, which they claim brought my balance negative ; however, this transfer wouldve never processed if I truly didnt have the funds in my account. The fact the transfer was allowed SHOWS I had money at that time and didnt bring my account negative.
Consumer complaint received 2023-11-01
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TX)

I didnt received any notification and calls from debit company but reported to credit agency.when I called they said no info available .I asked sent me account and debit details but not yet received.I provided email Also but no information received nd reported in credit history.Due to this I am not able to get loans
Consumer complaint received 2024-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

XXXX requested to consider my loans for a reduced rate in XX/XX/XXXX, the rep advised she would put the information in to have some payment relief for the remaining 4 months of interest only. Which I didnt know at the time that the agent didnt add all the loans to this program. This is where Navinet makes a lot of its money ( purposely misallocating payments, and leaving out loans to attach late fees ) Obscured information consumers need to maintain their lower payments. 

XX/XX/XXXX My cosigner then received a letter advising that my loans were in default and advised me. I promptly called and the agent XXXX advised that not all my loans were added, and some were in default. I then advised rep that I didnt realize that the previous agent left some of the loans out of the program for reduced payments, as doing some research online this is a common practice with Navinet . Each month a payment was auto deducted, yet they leave out loans purposely. Rep advised to make a payment of {$150.00} to keep my account out of collections and in the interim to complete my documents for my in-school deferment ( which I requested on this call ). 

XX/XX/XXXX I received a collections call advising that my account was in default and that I would need to make another payment of {$150.00}, however, I tried to explain to Navinet agent and urged her to read the call notes from the previous call to confirm payment to this week. She advised I needed to make another payment that would keep me out of collections and to submit my in-school deferment letter. She then pressured me to get that letter in, I advised rep that I just received the letter on XXXX and it was a holiday and to allow some time with the holiday. Navinet then proceeded to call and harass my cosigner with collection letters and calls. I tried to have my mother removed from my account, however, they deceived me about the requirements to release my mother as a co-signer. 

I have made payments to Navinet every month, yet Navinet practiced fraudulent tactics of leaving accounts out to incur late fees along with payment misallocation. I expect some level of competency with this business. I am fed up with the illegal tactics Navinet uses to drain money out of borrowers. I want a full audit of my account to possibly move forward with some legal recourse. This is ridiculous for these types of predatory lenders getting away with. Ive been paying my student loans for the past 20 years or so, however, I can not get ahead with the fraudulent tactics they do. Ive been told putting myself on auto pay would reduce my loan interest, each time Ive inquired about that, no agent can tell me anything. Ive been on autopay even through the pandemic trying to maintain a good credit score even as tough as that was. Im just disgusted with the practices/tactics Navinet has been doing for the past couple decades.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

Ability Recovery Services I am writing to formally address a concerning matter regarding my credit report that involves your company, Ability Recovery Services. My name is XXXX XXXX, and I have recently discovered inaccurate information on my credit report, which I believe has been reported falsely by your organization. 

Upon discovering this discrepancy, I promptly contacted your company via [ method of contact, such as phone or email ] to dispute the erroneous information. However, it has now been over 30 days since my initial contact, and I have yet to receive any response or acknowledgment from your end. 

This misinformation on my credit report not only goes against the Fair Credit Reporting Act, which mandates accurate reporting of consumer credit information, but it also has the potential to adversely impact my financial standing. As a consumer, I have the right to expect timely and accurate responses when disputing such matters. 

Therefore, I kindly request that Ability Recovery Services investigate this matter promptly and provide me with a written explanation of the steps taken to rectify the inaccurate information on my credit report. Additionally, I expect confirmation that any negative reporting related to this dispute will be corrected or removed from my credit profile. 

Please respond to this letter within 30 days from the date of receipt to acknowledge receipt and outline your plan of action. Should I not receive a satisfactory response within this timeframe, I will not hesitate to escalate this issue to relevant consumer protection agencies and seek legal counsel to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (TX)

I ordered a replacement debit card from chime and when it did not arrive during the window it should have arrived I called and asked them to follow up with me about the status of the card. If Chime would have been more attentive, they would have noticed that the card has already been activated and that it was being actively used to make purchases. The card was stolen out of my mail box and activated and used to drain my checking account. I received a deposit of {$3800.00} into my account and within 24 hours they left me all but {$7.00}. 

During this time frame I was having issues logging onto my chime account because apparently somebody called pretending to be me and was able to change the email associated with my account. How on earth could somebody have been able to do that? my phone was also stolen out of the leasing office ( I am not sure if this is related or not ) The pin was also changed and I received several emails informing me of new logins from unrecognized devices and locations. 

A prudent financial institution would notice that its not typical spending behavior for somebody to make {$3800.00} worth of purchases ( some of which where out of state in a Casino ) within a very short period of time after a change to personal information was made on the account ( email address was changed ). Their fraud detection would have easily caught this and restrcted the card from further purchase activity. 

I have to move out of my apartment by the XXXX, I was depeneding on that money. I am left with {$7.00} and I can't even feed myself or my cats. This is totally outrageous. 

In addition, I have dealt with chime before with past disputes and I am familiar with how they operate. They provide a window of resolution from 30-90 days. I will not tolerate this. Chime has to abide by its Zero Liability policy which states that account holders will not be charged for transactions they did not authorize. As a Visa Card Issuer, they have to honor this policy.

I have filed a police report on the matter and I will take further legal action against Chime if it does not promptly issue provisional credit for this blatant and obvious fraud that has occured.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch (KY)

I found the company AutoPay through the credit karma website on XX/XX/year>. They advertised that I could shorten the term of my current car loan. I clicked the button to accept the offer. I uploaded my ID, my car registration and input my social security number along with my employer info per the instructions. Autopay sent me a text that my application is approved and they would reach out if anything else was needed. XXXX from AutoPay called me today XX/XX/year> and informed me I qualify for a rate more than 3 % higher than what was quoted. I asked what the approval was based on and explained that my credit score is in the XXXX, my debt to income ratio is excellent and the loan on my car is for less than half of the cars value. XXXX had no answers and told me he is just doing his job. 
I was basically tricked into submitting my information and letting them pull my credit.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AL)

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Under 15 USC CODE 1681S-2 and 15 USC CODE1666b this is a clear violation of inaccurate reporting. After reaching out to the creditors, I was advised to contact the CRA to have the collection and charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection and charge off in questions did not belong to me.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (FL)

On XX/XX/XXXX, XXXX generated report number XXXX. XXXX XXXX allegedly updated and verified the account in question. However, after review, it has come to my attention that the payment history and account status are still inaccurately and incompletely reported. XXXX must correct these inaccuracies immediately, as their incoherent reinvestigation findings were willfully reported to XXXX.