davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

While I was traveling through XXXX, I stayed in XXXX for 3 days. 
On the night of XX/XX/2018 my card was charged several times for items I did not purchase. 

XXXX from XXXX XXXX XXXX XXXX from XXXX XXXX XXXX from XXXX XXXX I filed a dispute with Chase Bank regarding these charges which was not approved. So I filed a 2nd dispute which was also declined. The only information we were able to receive on how these decisions were made are a few receipts with chicken scratch signatures that not only do not look like my signature but look like random scribbles. I asked if they would send a report on how they came to their decisions to which they said they would be sending one in the mail. I never received any sort of report for any charge and am left assuming that they declined the disputes based on the signatures provided.
Consumer complaint received 2022-05-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NV)

I got my identity stolen from me a long time ago and this guy told my social and used for student loans and credit card and other stuff that why I have a pin for me for doing taxes. That is why my credit is so bad cuz this guy took my social and used for him and now Im taking the hit I need help
Consumer complaint received 2021-07-29
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: Resurgent Capital Services L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX ... XXXX  XXXX XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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: WELLS FARGO & COMPANY (RI)

XXXX  dont fixed report show error in my credit. Reporting account opened fraudulent of Wells Fargo/ XXXX XXXX and XXXX  XXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct fico score danger my record and limited opportunities get credit
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

The credit reporting agencies are supposed to make it free and easy to freeze credit. This is not true for Experian. After unfreezing my credit to make a purchase, I went back to re-freeze my credit. All went well except for Experian. I filled out their onlne form, but it was rejected for unknown reasons. They now want me to send in a bunch of documents to re-enable the freeze that I had in place just a short while ago. They make it hard so that you will buy their paid services. What a horrible company to try and do business with.
Consumer complaint received 2021-07-29
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: I.C. System, Inc. (NY)

IC Systems is reporting a fraud accout on my credit. 
I didnt open this account, nor did I authorize anyone to do so on my behalf. 
Please remove this account from all 3 credit bureaus
Consumer complaint received 2021-07-29
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: Bread Financial Holdings, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : 01 COMENITY BANK VICTORIA S SECRE ) XXXX ... XXXX  XXXX XXXX ... CCB/CHLDPLCE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ... CAPITAL ONE XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
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: World Acceptance Corporation (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... WFC XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

am writing to request the removal of unauthorized credit inquiries on my XXXX  credit report. My latest credit report shows three ( 3 ) inquiries that I did not authorize.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Yes this I filed a dispute with this company this company credited my account and rated the issue was resolved then weeks later took the money back out my account and started charging me numerous over draft fees of XXXX $ and then closed my account I was with this company over 3yrs and they put my account negative over XXXX $
Consumer complaint received 2022-01-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

We have suffered greatly as the result of Covid. Our business, which involves catering to the needs of Corporate gatherings, has gone from being very profitable before Covid to utter failure due to the lack of Corporate gatherings, conventions and so forth. We have contacted our Mortgage Servicer more than 8 times in the past 3 months. The Mortgage servicer is SLS. SLS has promised on several occasions to have one of their Mortgage Assistance Specialists reach out to us to help us understand the program and to help us work through the documentation. The have broken every promise and have left us in a very dire circumstance. It almost appears that they are purposefully ignoring our pleas both over the phone and by electronic communication. 
We have kept every communication and documented every phone call. We have a complete file documenting their failure to assist in any way. Our loan number is XXXX. Our home address is XXXX XXXX XXXX XXXX in XXXX Utah. We would love to attach communications with SLS since XX/XX/2021. We have been promised that one of their specialists would work with us directly. After more than 8 good faith attempts on our part SLS has failed to even put forth the smallest effort to communicate with us, let alone try to help us. 
We can be reached at ( XXXX ) XXXX. My name is XXXX XXXX ... my wife is XXXX XXXX. Please help us... we are scared to death that SLS has motives to foreclose on our home which is valued at {$690000.00} and has only a {$370000.00} mortgage with no other liens or encumbrances of any kind. 
Please forward an e-mail address to which we can send very compelling and sizeable documentation that SLS is not acting in good faith. 

Thanks! 
XXXX and XXXX XXXX
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I asked for XXXX XXXX associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Consumer complaint received 2022-01-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (WA)

I took out a small {$300.00} loan from speedy cash loan, I want to say 8 years ago online while living in Arkansas and I paid every 2 weeks on the loan, so much money, I paid more than triple the amount of what I borrowed. So I stopped paying, my aunt who I lived with at the time talked to them for me and told them I wouldn't be giving them anymore money because I already paid more than triple of what I had borrowed and they still wanted more. Now for the past two or three years they've been sending me emails randomly, threatening to have me arrested mainly and have my wages garnished. They say I've committed 4 crimes : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Threatening to have a warrant for my arrest unless I pay {$890.00} immediately. I have all the emails saved. I believe in one of them they said the deputies in my area have been notified of my warrant and to arrest me. I just got another one today and I just found out that that's illegal for them to threaten me with being arrested.
Consumer complaint received 2019-12-14
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: EQUIFAX, INC. (MT)

I have continued to try and resolve this matter informally with EQUIFAX for over 2 months. Furthermore, records with CFPB will reflect I still have open complaints with EQUIFAX that are almost 2 months old and without a response from EQUIFAX. I have 1 Inquiry on my EQUIFAX credit report that needs to be removed immediately because the 2 years have expired : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX AV, XXXX, FL XXXX The other inquiry I have disputed with EQUIFAX for over 3 months and EQUIFAX hasn't even addressed the matter and provided me with an update. The following ENQUIRY is in dispute : XX/XX/XXXX XXXX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX EQUIFAX failure to respond and their dereliction of duty to remove the outdated inquiry which is greater than 2 years old is a clear violation of the FCRA. EQUIFAX is knowingly and willingly denying & violating my rights granted to me by the FCRA. KNOWINGLKY
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

LVNV has contacted me multiple times by mail over the past few months. Each time they have contacted me, I have requested validation of the said debt that they claim I owe. I have kindly requested validation each time I am contacted by them. LVNV has failed to provide me with such proof I requested. On XXXX XXXX I received a generic account summary page and a statement of what LVNV is under the impression I owe. This " validation '' does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Despite my efforts in trying to work with LVNV directly, they proceeded to insert an erroneous negetive tradeline into my credit file. This action is illegal based on the fact they failed to provide me with proper verification of debt on multiple occasions. This negative reporting has taken a serious toll on my credit report and finances in general by impacting my a cess   to reasonable credit terms. This is going to cost me 1,000 's as I am in the process of purchasing a home and this is delaying my approval. This is all due to LVNV reporting an account that they claim I owe money one but in fact I have no idea what the money they claim I owe is for! I have no bad debts and LVNV is attempting to deface my name by reporting such info. LVNV Refernce ID : XXXX
Consumer complaint received 2023-01-22
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. (LA)

The XXXX XXXX Acct XXXX # XXXX has an incorrect amount on my credit report with TransUnion and XXXX. I have received a XXXX from XXXX and the amounts are different that's on my credit reports. The amounts on the credit reports are a lot higher than on the 1099C, making the amount owed higher than the actually are. The reports are suppose to be accurate and they are not. They were allegedly verified as accurate by both credit reporting bureaus.
Consumer complaint received 2019-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I am a Victim of fraud and there are several accounts on my credit report that do not belong to me. I request legal documentation regarding information transmitted to credit reporting agencies for me, with regard to the asserted accounts : XXXX  - XXXX XXXX, XXXX  XXXX XXXX- # XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX- # XXXX, LVNV FUNDING LLC XXXX XXXX XXXX.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I am currently in school full time, and I will be for some time. I have loans on an Income-Driven Repayment Plan ( IDR ) and Public Service Loan Forgiveness ( PSLF ) and I have loans on in-school deferment. I have submitted numerous deferment waiver forms, and I have sent numerous messages to waive the deferment and make it so the loans never go into deferment. I need all of my loans to be on the IDR/PSLF plan. I also will be applying for a loan soon, and having the loans on deferment hurts me. In previous messages I have been told that the waiver was processed, which it wasn't. I was told in the most recent message that it is not possible to waive in school deferment and that I would have to wait until I am out of school and even wait the grace period, which is utterly and absolutely absurd. Why would an in-school deferment form even exist if it wasn't possible? I am not sure what else I can do to have my request processed.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am really disgusted with Capital One Bank the charges of $ XXXX has been reversed and then rebilled several times! 

I asked Capital to send me copy of XXXX XXXX SIGNED delivery acceptance receipt and all gone to DEAF EARS! 

For the 4th time request SEND ME COPY OF DELIVERY RECEIPT so I know who signed and took my package XXXX XXXX SO DISGUSTED with Capital One!!
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is not allowing customers any information online, not allowing us to purchase a report and not mailing reports. It's a huge problem. Have been constantly told we can't even get our scores online or in a report. Why? This is a year long problem. Enough is enough.
Consumer complaint received 2019-12-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

I bought a car from Tide Water. I brought my old car in for a trade in. The signed papers say they will take my car as a trade in and pay that loan off. They did not pay the loan for the old car off. I call the Texas Attorney General 's office. His resolve was to take the new car back to TIDE WATER, and just drive my old car. The old loan was not counted as late due to TIDE WATER 's illegal activity. I am not sure why they would risk putting this account on my credit report.
Consumer complaint received 2021-07-29
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

My payment for my auto loan was due and I made a payment on XX/XX/18 for {$460.00}, I wasnt sure if I submitted the correct account so I made another payment to be sure with the correct account for the same amount for {$460.00}. The next Day XX/XX/18 I called to let them know what happened, they told me to go ahead and make a THIRD payment and that the other two would be CANCELED. So on XX/XX/18 i made a 3rd payment for XXXX, the next day- all three payments had been processed including the wrong account and I was charged a {$25.00} NSF FEE. I called to get this reversed they told me the extra payment would be refunded and the {$25.00} would be removed. I called they told me it would take 2 days, I waited until Monday, Tuesday, Wednesday, and NOTHING. I have called every single day and have called my bank to confirm this and nothing has been refunded to my account. I have asked for them today overnight my check and they said they are not going to waste money on shipping. I called today asking for this amount to be credited back and to confirm whether or not the money was refunded I was told to wait until next week. I am not sure why I am being scammed and given the run around everytime I call. I keep being told different things every time I call and have spoken with XXXX XXXX, XXXX XXXX, and XXXX XXXX. This is not including all of the others that I have spoken to along the way. Today I was told I never made any payment but I have the double transaction showing on my account and I have the confirmation number for all three payments made. Please please help me with this
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

On XX/XX/XXXX I traded in my XXXX XXXX that was being financed through Santander Bank into XXXX XXXX XXXX XXXX for a XXXX XXXX. On XX/XX/XXXX I provided a payoff statement to XXXX for what was owed on the XXXX XXXX. However, XXXX did not make the payment to Santander until XX/XX/XXXX, at which point the payoff amount had changed. In turn, there were no payments made towards a {$99.00} balance with Santander Bank by XXXX XXXX XXXX XXXX until XX/XX/XXXX. I was unaware of this issue until I noticed a serious delinquency on my credit report from Santander, stating that I missed three months of payments before my account was closed and the balance was settled. I reached out to Santander on numerous occasions and was told there was nothing they could do since they had already reported my delinquency. I reached out to XXXX  and they told me had I should have checked in with Santander and this is not their responsibility. I am now forced to deal with this serious delinquency on my credit file.