davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX  has a 30 late payment listed on my credit report that is inaccurate. I have made numerous attempts to get this reporting corrected and have not received any response from XXXX. I have been waiting over 90 days. Under the FCRA this late payment should be deleted immediately due to lack of response.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Between XXXX and XXXX there have been multiple hard inquiries on my credit report from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, etc. I did not request any new lines of credit and have placed freezes with all three credit agencies.
Consumer complaint received 2018-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited {$2500.00} in XXXX bills of XXXX 's into an atm at a Chase bank. The atm malfunctioned and said that it ran into a snag. The only thing I received in return was a receipt stating the error. I called them the next day stating the problem and that my funds were not to be found. They fixed the problem and gave me my money, but on XX/XX/XXXX they ended up taking away {$2300.00} out of my account without notifying me. I called them the next day to figure out was going on and they reversed my money and claimed that I only deposited {$130.00} in single dollar bills. I spent the next two months talking back and forth with supervisors, branch, district, and executive managers. I tried my best coming to terms to resolve this issue but they supposedly did investigations and are certain that I deposited only {$130.00}. I've been banking with Chase for more then 6 years and I'm aware that there can only be a specific amount of bills that can be deposited into their atm 's. I would under no circumstances jeopardize myself and abuse these simple rules since I have bills to pay. They tell me they've reviewed footage of my deposit and found nothing. I trusted my bank to properly manage my funds and instead they steal my money and ruin my credit. This has been a very stressful time for me since I thought they could help me and own up to a mistake that happened on their behalf. All I received in return was an executive manager telling me on a phone call that took place on XX/XX/XXXX was what proof did I have that I deposited my money. They won't budge and clearly have no interest in returning me the money I earned.
Consumer complaint received 2024-03-08
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-17
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. (GA)

I had a car that unrepairable and I returned the car. The company explained that I would not be accountable for the forfeiture of the car. However, I am being held accountable on my credit. XXXX and XXXX have removed the discrepancy however Transunion has not. They are not providing any evidence of the default or misinformation. I want it removed.
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Discover randomly decided they wanted me to sign a form 4506-c to give them consent to verify my income from the IRS. I was first contacted by Discover about it this morning. They apparently put a freeze on my credit card this morning as well making it unusable for any purpose. I digitally signed their form as requested, but they have not removed the freeze from my card. I found this very unprofessional! They could cause someone financial distress or cause someone to be stranded out of fuel somewhere if they relied on their discover credit card for such a purpose.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

I signed up for Synchrony 's CareCredit card at my XXXX XXXXs office in XX/XX/2020. It was marketed to me as the interest-free 24-month install payment that can help me afford XXXX XXXX for less than {$100.00} a month. So I set up an automatic payment online as advised. 

Two years later this XXXX, I was charged over {$1400.00} in interest. I called CareCredit and found out it was a deferred interest rate card. Even though I've made monthly automatic payments on my account, as long as I have any balance on my account by XXXX, I'd be charged a 26.99 % interest rate on the whole medical bill of {$2700.00}. 

As a consumer, I wasn't offered the opportunity to be educated about what a deferred interest rate means given this is not the most common credit card in the market. Synchrony 's online account portal doesn't highlight the fact, nor does it make recommendations for monthly payments that could help customers avoid the hefty interest at the end of the period. The first option of the monthly payment that I opted for was the minimum payment starting at {$85.00} a month. The monthly statement from the company also didn't highlight what it meant. When the so-called promotion ended, it didn't state so until the second page of the statement, after lots of ads. Not to mention their website is buggy and statements often failed to load. Email communications from the bank including all the ads, but no mention ever of the promotion period, deferred interesting rate, or the ending of it. 

Synchrony signed up most of their new customers through partners like my dental office, which are not always forthcoming to customers about the punitive interest rate policy and simply don't have incentives to do so because they want people to sign up for XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed this issue 2 times the incorrect late payment statuses with CapitalOne ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and CapitalOne refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- CapitalOne boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from Comenity customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.
Consumer complaint received 2023-08-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

Pulled personal credit reports due to trying to buy a house or even rent. Found Fair credit and Out with a partial account # on credit reports for {$3400.00}. Called to get online access to view what the account was for and some kind of verification/validation of the debt. The lady I spoke with asked for basic information and to verify who I was. She provided me with a username- which was ( XXXX ) and then a pin that was XXXX numbers ( XXXX ). She then stated it was a debt for XXXX Rentals and ends the call. I went online and there was no direct information In regards to the debt at first it was personal information that was listed to identify the owner of the debt, some of the information was my personal information but then I noticed addresses that were not mine and have never been mine, along with other mis information like multiple phone numbers not mine. I didnt have an option to even update my information if I had wanted to let alone able to validate the debt. Beyond that page there was a page that showed the same basic info debt {$3400.00} and account # which was the numbers I was given as the acct username. Since my kids and myself are homeless I tried finding more detailed information, options to settle or setup payment arrangements but there was just an option to pay the he debt. No charge descriptions beyond XXXX. My call and subsequent login was XXXX XXXX. Ive received no letters by mail and no one has contacted by phone even prior to my call from Fair Credit and Out. This debt on my reports is causing my family to continue being homeless. I did record my phone call on video to ensure I was able to verify info. As well as recorded myself logging in. On XXXX XXXX I attempted to login using the same information as this is the only debt currently being stated as a block for my family being approved to rent, the login doesnt work, I recorded me attempting to login from different devices including computer and it states my account information is incorrect. I check my credit reports and they still show XXXX ( Transunions name of agency ), XXXX ( XXXX agency name listed ), and Fair Collections & Out ( XXXX agency listed ) last updated balance date XX/XX/2023 still showing {$3400.00} So I dont understand how my login I was provided is inaccurate. Im also unable to have addresses that arent mine dispute and removed with credit bureaus due to them stating tied to the collection account for this company so its creating a fraud trigger or unverifiable identity with landlords and such.
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was told I am in check systems with Bank of America for a fraudulent check that I did not even put into my account and they said I would've had to give the individual the pin number to put the check into my account. Therefore, I am not able to open an account anywhere. I I don't know the time limit, but I'm a business owner and I have to use prepay cards for my business because I'm not able to open a checking account anywhere and I would like this problem resolved
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I do not have an account with this creditor. Inaccurately reporting account is open. 


XXXX XXXX XXXX Last reported XX/XX/2022 {$680.00} Open balance
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXX XXXX XXXX XXXX XXXX XXXX ) My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

In response to my 1099c copy b form iv received. The claim made of my copy B document from Nelnet stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by Nelnet To this my question is, in writing what exact evidence is XXXX XXXX of Nelnet providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately.

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or Nelnet in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040.

As provided and attached to this complaint the following information matches Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of Nelnet. XXXX XXXX number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan nelnet account E951999315. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and Nelnet.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (VA)

I called Experian today and was hung up on. There are 3 accounts on my credit report that shows now status. ( 2 with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My payment history and ontime payment information is missing. The credit limits are also missing. There is a XXXX point difference between my credit report with Experian and the other agencies. I was denied for credit 2 times this month due to the information not reporting on my credit report. There is something wrong with Experians systems and it is against the fair reporting credit act to not dispute information properly. 

Please review the statements attached and update my credit file.
Consumer complaint received 2022-10-18
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2022-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KS)

Mohela will not answer any phone calls. I have been calling several times over the past few days, and receive an automated response that " due to an unprecedented amount of calls, we can not take your call. '' When I try to submit a message online to them, it says " we don't take online messages about this topic, please call us instead. '' and when I call them, they say they aren't taking calls.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Inaccurate information being reported. According to 15 USC 1681 e ( b ) maximum possible accuracy must be reported on my consumer report. In my photo I show where the info isnt the same on each.
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NE)

" Thank you for submitting your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. You are not eligible yet, as you have not yet made the required XXXX qualifying payments necessary to be eligible for XXXX. To qualify for XXXX, you must make XXXX qualifying payments. In addition to making XXXX qualifying payments, you must also be working full-time for a qualifying employer at the time you apply for and receive forgiveness under XXXX. XXXX This is the email I received. I just consolidated my loans from XXXX XXXX Mohela and applied for XXXX. When I did this, I made copies of all of my payments ( more than XXXX ) to XXXX and re-applied for XXXX. I am also working full time at a qualifying employer. Once XXXX loans were consolidated to Mohela, it says I don't owe anything now because I am in a forbearance. I don't remember requesting this and I CAN NOT get ahold of anyone to discuss. The prompts on their phone line will not let you speak to an agent and do not answer the questions I have. I have tried calling, emailing and can not get service. I have waited on the phone for hours and tried the call back option but never receive a call back.
Consumer complaint received 2021-07-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/2021 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc. (NC)

I recently requested validation of a debt collections listed on my credit report under the company Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX. The company sent correspondence as to what they believe is proper validation of the accounts, however by doing that it was found that Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX failed to include their physical/true address ( NOT XXXX XXXX ) on the stationery/correspondence form ( copy attached ) and is therefore in violation of North Carolina Department of Insurance General Statures ; 58 70 50. All collection agencies to identify themselves in correspondence. 
All collection agencies licensed under this Part to do the business of a collection agency in this State, shall in all correspondence with debtors use stationery or forms which contain the permit number and the true name and address of such collection agency. 
The permit to engage in the business of a collection agency shall at all times be prominently displayed in each office of the person, firm, corporation or association to whom or to which the permit is issued. ( 1931, c. 217, s. 9 ; 1969, c. 906, s. 5 ; 1979, c. 835. ) Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX is in direct violation of federal & state laws, and therefore is illegally attempting to collect a debt in a state that they are violating the NC Department of Insurance General Statures & failing to abide by the Fair Credit Reporting Act. 

Attached is the entire Article 70. Collection Agencies where the exact section mentioned above can be found, directly from the NC Department of Insurance website. In addition, after speaking with a representative from the NC Department of Insurance whom specializes in the Collection Company general statures, they confirmed that XXXX XXXX  addresses are not an acceptable/approved address to list on any stationery or form correspondence with debtors. 

The accounts in debt collection assigned to this company must be deleted as the company collecting on the debts ( Jon Barry & Associates , Inc. DBA XXXX XXXX XXXX ) violated not only federal laws, but also state laws, mandated by the North Carolina Department of Insurance General Statures ; 58 70 50.