davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian does not investigate any disputes I inquired about. They took 24 hours or less to tell me that they are done in investigating when they havent done anything. They also have XXXX XXXX credit card on my credit report twice and this is why my score is significantly lower than the other two bureaus. They also did not contact XXXX. I put in a dispute to have all delinquency and/or late payments removed because I have never been late and they failed to investigate that as well. I spoke with a representative yesterday regarding my deliquencys on my credit report and she told me to file it with Experian and they will provide them with information stating that I have no deliquencys in which I did and guess what? Experian didn't even contact that. I was able to dispute the account after 4 hours and no update on my credit report.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX  with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part. 

I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical!
Consumer complaint received 2023-03-27
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. (TX)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio XXXX XXXX is attempting to collect a {$710.00} debt that is not mine. I have tried contacting them at the end of last year about this and it still has not been removed from my credit report. I've included proof from my XXXX XXXX latest credit consumer report that includes every single XXXX XXXX card on my Consumer Report there are XXXX of them. There is not one XXXX XXXX on my XXXX Report that is remotely near or resembles the debt of {$710.00} and the time frame that they said it was opened on my XXXX Report. I have XXXX XXXX XXXX listings on my Consumer Report XXXX are open and in good standing, and XXXX are closed XXXX with a past due amount of {$110.00} and the other with a past due amount of {$430.00} that was just closed XXXX The other XXXX XXXX XXXX accounts are still open so it couldn't be the one that they are claiming has been sent to collections it would have to be XXXX of the other XXXX and if you can see by the examples that I have sent it is neither of those those, there is no other XXXX XXXX charge off or listing that coincides with this debt collector 's false charge.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against Equifax located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Equifax has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Equifax has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MD)

I have disputed this debt before with Sunrise Credit Services which has since been deleted from my credit report on XX/XX/2022 and closed however and for some reason they have placed it back on my credit report this year causing a negative impact to my credit report.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC (DE)

Based on information provided by Cedars Business Services, I responded in writing multiple times laying out the facts of the transaction based on information they provided. My letters were never directly acknowledged, nor did they respond to the facts presented. 

The letters I sent to Cedars Business Services are attached. 

The bottom line : According to the following definition, I am a bona fide purchaser for value and did not incur the debt Cedars Business Services is trying to collect. To the best of my knowledge Cedars Business Services has not attempted to collect the debt from the " party who fraudulently transferred the property to the bona fide purchaser. '' A bona fide purchaser for value, good-faith purchaser, innocent purchaser for value, purchaser in good faith. Innocent purchaser of property who purchases for value without notice of any other partys claim against the property. So long as a bona fide purchaser properly records the transaction, the bona fide purchaser takes good title to the property despite competing adverse claims. Those parties holding competing adverse claims may bring an action only against the party who fraudulently transferred the property to the bona fide purchaser.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (OH)

Citi Bank claim case ID : XXXX XXXX XXXX XXXX XXXX I opened a dispute with Citi Bank in the amount of {$250.00} regarding a transaction to XXXX that I was charged twice for. Some history of the transaction is : in XX/XX/XXXX I made a purchase at XXXX while traveling, it was a legitimate purchase, at the same time my debit card through XXXX XXXX XXXX was used fraudulently and I opened a dispute with them. I mistakenly added the XXXX charge to that dispute it shouldn't have been added. I received an email from XXXX informing me of the disputed charge and they stated that I needed to pay the {$250.00} and contact XXXX XXXX XXXXXXXX which I did. I paid the {$250.00} on my Citi Debit Card and XXXX XXXX XXXXXXXX reversed the chargeback so now I've paid for the order twice. I contacted XXXX and they stated that they would not credit my account and that I would need to go through Citi to dispute the double charge and receive the funds. 

I filed the dispute with Citi on XXXX  and on XXXX  I received a letter from Citi requesting additional information and backup information on the disputed charge. I provided this information to Citi via email on XXXX  ( 5 business days after initiating the dispute ). I sent the form Citi requested along with the chat transcript from XXXX where they confirmed the double charge and stated that I needed to go through Citi. 

I confirmed with Citi via chat and phone call that the letter was received and added to the account as their letter stated I needed to respond by XXXX  they confirmed on XX/XX/XXXX that the information was received. I've been in regular contact with Citi to get an update on when a temporary credit would be made on my account for the {$250.00}, no updates have been given, all I get is a generic response saying it's being reviewed or investigated. On XX/XX/XXXX ( 15 business days after filing the dispute ) I was told the dispute was closed due to lack of information being received within 10 business days. This is not true or accurate, the information was submitted 5 business days after the dispute was opened. The agent stated that the dispute was re-opened after receiving the information, she stated that the information wasn't received until XX/XX/XXXX, that's not true either. I stated that is unacceptable, I've provided information within the required time and a temporary credit needs to be applied to my account in the amount of {$250.00}. I gave them until close of business yesterday to provide a credit and an update they did not. 

Citi has exceeded the 10 working days to investigate or provide temporary credit we are now at working day 17. I have provided all information requested within the requested timeframes.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In Accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (IL)

I have requested my free credit report from Lexis nexis and they refuse to send it to me by mail. When Lexis nexis responded they sent me XXXX XXXX XXXX information instead of mine.
Consumer complaint received 2018-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

Over the last 7 years I have paid American Education Services upwards of {$29000.00} [ proof attached ], and only {$6800.00} of that money has gone to the principal balance. On top of that, I've paid XXXX   upwards of {$22000.00} and my principal balance has only gone down by about {$2000.00}.

I have called American Education Services MANY times over the years. Just last night, they told me that they are just " servicing '' my loan. And that in order for me to speak with my lender - XXXX XXXX XXXX, I need to write the company a letter ... which American Education Services will send over on my behalf. AES refuses to connect me directly to XXXX XXXX XXXX to allow me to discuss the exorbitant amounts I'm paying -- which are not being applied properly. This feels like a complete scam. There's no reason why they shouldn't let me speak to XXXX XXXX XXXX  on my own.

This is an absolute injustice. I've been DROWNING for the last seven years and working so hard to pay off these loans, and I am seeing no movement. I'm hoping that the actions I continue to take will help bring to light how awful and abusive these companies are. It's completely unfair that these big companies can get away with overcharging young adults who are simply looking to improve their lives by attaining an education.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AFNI INC. (LA)

I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. 
XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. 
dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
Consumer complaint received 2023-11-16
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was given a complete statement sheet that showed every debit charged to my account and credit that I paid towards this card. This Excel sheet was provided by Capital One. The Excel sheet shows a difference from what Capital One says my account balance is. I've contacted 3 customer service agents and 3 managers with the company, and none of these people could acknowledge that capital one could make an accounting error.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2023 I made my scheduled payment at TD Bank of {$490.00} my payment was made on time. On XX/XX/2023 I received a letter stating that the payment was not received I called TD XXXX number and was informed that the teller made a error and the payment was applied to principal and not to payment and to go into the branch to have this matter taken care of. I received and alert that the late payment was sent to my credit report. I would like this late payment to be removed from my credit report.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
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: AMERICAN EXPRESS COMPANY (GA)

American Express Bank illegally and incorrectly reported a payment as late ( Specifically back in XXXX of XXXX ). As per the terms of the Cares Act, their representatives misadvised that I would only be eligible to receive any payment relief/assistance programs/offers if I showed signs of hardship ( Missed Payments ) despite my reaching out to them ahead of being late on any payments to let them know that financial hardship was on the horizon. Under the sanctions of the Cares Act, this is seen as misconduct, misinformation, and unethical behavior. Essentially, I was forced to be late on the payment without assistance. In XXXX, American Express provided a blanket response that not only avoided my question but also was a blatant attempt to circumvent my initial acquisition and issue. Based on American Express 's response to this matter, they have acted with wanton disregard for my safety and the overall long-term well-being of myself and my family.
Consumer complaint received 2017-05-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Navient Solutions, LLC. (NY)

Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.
Consumer complaint received 2022-12-20
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three  credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX