davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (NJ)

i received a credit alert on XX/XX/10 from a company call ONLINE COLLECTIONS. after receiving the alert i immediately contact the credit collector and after speaking with the company i verified the information and PAID the balance. 

I was Never sent a 30 day notice in the mail of the debt, since i was not aware of the debt, and the collection agency did not properly notified me my credit went from a XXXX score to XXXX score. 

That is not fair. 

after looking online for this company there are over 80 complaint of this practice of not noticing the person of the debt and ruining people credits.
Consumer complaint received 2019-11-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XX/XX/19 NOW THEY ARE SAYING WE ARE DENIED FOR ANY MODIFICATION BUT THEY SAID CONGRATS ON SHORT SALE OR FORECLOSURE THAT IS TERRIBLE AND SAD TO SAY THAT TO A PERSON THATS TRYING TO SAVE THERE HOME WHICH THEY SCREWD UP THE MODIFICATION DUE TO THE NOTARY I HAVE ALL THE RECORED MESSAGES FROM THEM THEY ARE FRAUDULENT AND LIARS IF WE HAVE TO FILE BANKRUPTCY TO KEEP MY HOME THEN I WILL
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC sent two letters stating I owe on XX/XX/2022. Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX 1. One account states current balance due is {$2100.00} 2. One account states current balance due is {$1300.00}
Consumer complaint received 2024-04-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2024 I initiated a payment of {$2000.00} to a XXXX business credit card. The {$2000.00} payment posted on XXXX to my credit card and XXXX returned payment. I contacted XXXX and they advised Marcus Bank by Goldman Sachs returned the payment. XXXX advised they returned it but it has not showed in my account. I contacted Marcus Goldman Sachs and they advised they are opening a case but theyre not sure why its not showing in my account.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WV)

I was contacted by Portfolio recovery associates llc from XXXXXXXX XXXX about 2 separate collections accounts resulting from charge offs. They reported these to the credit bureau and has shown up on my credit report. Also trying to collect payments from me. I looked this company up on nmls consumer website to verify their license to collect in wv ( where I reside for over XXXX. ) They are not licensed to collect here at all. I know a lot of people here in wv that have been harassed and taken to court by these people. Very bad business practices and they never admit they have no right to collect here in wv.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a close auto finance account with Capital One. Paid off. I went through some hardship medical issues and a job loss in XXXX I regularly stayed in contact with them in regards to late payment schedule and worked with them consistently. They assured me that there werent negative reports to my credit report since they were agreeing upon the scheduled payment dates said they werent 60 days delinquent so it would reflect poorly. I now am trying to purchase a home and see the negative remarks and they shouldnt be there. I disputed with them through XXXX  and nothing was resolved. I dont believe they should reflect since I have been with them through the years and also have 2 other accounts in great standing and those delayed payment dates were AGREED UPON due to my temporary situations. XXXX and XXXX related at one point. And unemployed at another time. But I still made my payments.
Consumer complaint received 2020-03-27
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. (MD)

It's Experian Again! 


Today I received another E-Mail from Experian! with a new Alert! Stating that Because there was a new usage on one of my credit cards my score went DOWN! NOW remember this same Credit Score Company, last week told me that my Credit Usage was insufficient to raise my Credit score! So I charged an item on a credit card to increase my usage! Now they are showing on the report that my usage is 22 %! Then when you read down the page at my Credit card usage it adds up to 76 % usage! SO they lowered my Credit score again! What's wrong with these people? They tell you to charge so your score will go up! then you charge and your score goes down! Are we on the same wave length?? There is a Big Problem here with this Credit Bureau!
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} FA XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$68000.00}
Consumer complaint received 2021-03-19
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. (NC)

I have already tried to dispute this account several times to no avail. This account is fraudulent. I have even tried to dispute this account with the so-called original creditor but they don't have a valid address according to the USPS, but somehow Equifax keeps updating this account even though the address is not valid. 
Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

I have a wells fargo account. XXXX  XXXX kept chagring my bank account and caused over draft fees. which lead to a a negative balance and they closed my bank account. Im waitin for my income tax return to come and all of this was out of my hands and now delayed for my paymemnt. I cant wait any longer for a check. They caused my count to get XXXX  up on charghes that i never agreed on. XXXX. {$40.00}, {$26.00}, multpe times. I spoke with XXXX  XXXX  telling them I never agreed on another yearly contract which tehy charged an annual fee. they said because of a back balance, they couldnt remove it. I said that ; 's ridiculuouas I'm a still unemployeed. I dont have a phone. My XXXX   wireless cell phone account and number are compromised with a bugged virus that wont go away which is part of the reason why Im not getting call backs from employers, friends, etc. as well as my identity-related data is compromised which stemmed from my XXXX University account. I've done everything on my end with no money trying to resolve these issues as everyone else justs sits there in pleasure as I'm unnecesarily going through this. It basically put me in poverty, XXXX, my vehicle being taken away, my accounts, cell phones, etc being hacked, abused, by my own family to control me, stop me from moving forward. i have no one else to go and reported it to FTC, IRS, all other sources to get as nothing is being done. My mail is being witherld by my family and what they're doing is illegal, geting away with because they have the funds to do it with some authority figures involved. I need help with this matter because I'm stuck and no one is helping me. Thank you. 

XXXX XXXX ( XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of account/item which does not belong to me or was opened without permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-03-27
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: F.H. Cann & Associates, Inc. (DC)

XX/XX/20 : I received a call from FH Cann & Associates at my place of employment. I spoke with the representative and requested that they not contact my job or family. I gave them my telephone number and said they can call me at the number I provided ( vs. my job, my business, family, etc. ) XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : I received a call from FH Cann at XXXX PM on my business line XX/XX/20 : A family member received a call from FH Cann at XXXX PM on their personal line
Consumer complaint received 2020-03-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion in reporting to my credit file to note my consumer statement and dispute against XXXX  Card Servicer to XXXX XXXX   XXXX, XXXX, accounts numbers XXXX and XXXX, for violating Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and Hide the Securitization Requirements.
Consumer complaint received 2021-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Atlanticus Services Corporation (PA)

Aspire credit card has not allow me to file my dispute due to my credit card being stolen. I submitting a verbal and written notification of dispute under regulation E. Aspire has not agreed to their terms and agreements under regulation Z.
Consumer complaint received 2022-03-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (MD)

My wife and I have been trying to work with our lender, Truist, to place our mortgage account in forbearance due to COVID, using the provisions of the CARES act. I initially spoke to the bank in XXXX and indicated we we're experiencing a financial hardship directly related to COVID. At that time, the bank should have informed me of the provisions of the CARES Act and that they could place our account in a forbearance status for 180 days. However, this did not happen ; we waited approximately a month to request a forbearance, and the bank indicated they we're going to send us paperwork to complete. Upon receipt of the paperwork, we determined the bank was interested in pursuing a loan modification, which would result in additional fees. 
In an attempt to mitigate these circumstances, my wife attempted to discuss this matter with the bank, and their response was that once the paperwork was received, a loan specialist would reach out to discuss next steps. All through out this process, the bank was never interested in " offering '' the terms of the CARES Act, and was simply trying to use their position of power to push their agenda. 
The issue was finally resolved when I called the bank and told them we qualified for a CARES Act forbearance. However, they still tried to push their agenda by indicating the forbearance would only be for 90 days, despite the Act indicating an initial period of 180 days, and that after the forbearance period ended we would be required to pay the entire sum accrued during the forbearance period. This is also patently false since our mortgage is backed by the VA, and due to this fact, we would not be required to pay a balloon payment upon the end of the forbearance period. 
The bottom line is that the bank was only interested in pursuing the best route for them, and not advising us of all applicable remedies available under the law. I shudder in thinking how many other veterans have been taken advantage of through no fault of their own. 
Lastly, I will be communicating this, apparent, complete lack of integrity on the part of the bank with my Congressman. Taking advantage of families during this current period is both shameful and borderline illegal. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

It is my experience that this online school falsely misled me into an online program and overcharged me. leaving me with no degree and no way to pay the debt that is now as follows : SUBSIDIZED LOAN XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XX/XX/XXXX. {$4800.00} XX/XX/XXXX. {$1900.00} UNSUBSIDIZED LOAN. 
XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. {$11000.00} XX/XX/XXXX. {$3500.00} TOTAL DEBT FROM THE XXXX XXXX IS : {$21.00}, XXXX
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (TX)

I have accounts on my credit report that have been paid and the company agreed to remove them off my report but they still appear on the report. I have notified the credit reporting agencies and they are still on my report.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MO)

Chase bankOn XX/XX/2024 I received my insurance check back from lender after signing it and took it to my Chase bank local branch and deposited into my account. When the funds finally got to hit, they froze my account saying for us they needed to verify it from the insurance company then after they verify it, they wanted to verify it from the third-party that signed the check so I gave them the number and they said they couldnt verify the number because its not registered in his name so on XX/XX/XXXX, the third-party went and opened a business account that will help us get the money thats owed us but they said they still cant verify the number and if I dont verify the person they are going to close my account and less than 10 days and hold the check for XXXX years. Ive asked him if me and him both could go to the bank in person with IDs to verify identity and get our money they told us no I asked them to re-issued the check to the insurance company. They told me get my money.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$12000.00}, XXXX, XXXX. XXXX .... Opened Date XX/XX/XXXX Balance {$800.00}, XXXX XXXX XXXX XXXX XXXX XXXX. Opened Date XX/XX/XXXX XXXX {$0.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$19000.00}, XXXX XXXX XXXX .... Opened XXXX. XXXX, XXXX XXXX {$11000.00}, XXXX XXXX XXXX .... Opened XXXX XXXX, XXXX XXXX {$2500.00}, and XXXX XXXX XXXX .... Opened Date XX/XX/XXXX XXXX {$0.00}.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

Making regular monthly payments yet company is still calling and its getting out of hand. There are times they call me and when I answer no one is on the other line. Again Im making regular monthly payments. I have filed fcc complaints for the ghost calls, now usaa is calling numbers that are family members not mine, which I have asked them to stop.
Consumer complaint received 2021-03-19
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 (PA)

Hi, In late XXXX I had some trouble with making a payment on time for my car loan with Capital One. Realizing how much of a problem this was I reach out to Capital One Auto and at that time I was able to make an arrangement in which the rep I spoke with stated that my credit would not be effected negatively if the arrangement was kept. In XX/XX/2020 I noticed that I had late payments on my credit report for XXXX and XXXX despite the assurances from the rep that I spoke with previously. I contacted Capital One Auto in XXXX and informed of the late payments that were reported after completing an investigation Capital One Auto corrected my credit report for the months of XXXX and XXXX. I continued to keep up the agreement in XXXX and XXXX. My XXXX payment came just a few days late in early XXXX but never reached the 30 day mark. I have recently discovered that Capital One Auto marked me late for the months of XXXX and XX/XX/2020 despite my on time payments. I have disputed these payments with the credit bureau to no avail and when contacting Capital One very little was offered in correcting this issue. 

I also have not been able to log in to the online portal to make payments in a way that would be most comfortable for me. I do not receive any billing statements in the mail and can not see the online statements to properly track my bill despite contacting the company several time to have them resolve this issue to no avail.