davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Someone stole my information and has used it to open this loan. I didn't open this loan, and I have not authorized for this loan to be opened. I have contacted the company over 100 times and I am not getting a resolution. The company also got sold when I was in the process of having the loan cleared from my name, and now the new company can't verify information I have already went through with the previous company.
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

I am executor for my mother XXXX XXXX. She has a XXXX and XXXX with Synchrony bank. I received statements of amounts due on these accounts, and sent payment. It has been over a month and the checks have not cashed despite other checks sent to other banks that day having been cashed long ago. 

Online reviews show that holding checks is a problem at synchrony. 

When I call, they have difficulty locating her accounts but ultimately do so and verify that payment is due. They have also given conflicting information stating not payment is due. 

I need them to cash the checks.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to express my deep concern and disappointment regarding the letter i have received about recent closure of my business credit card, associated with my business " XXXX XXXX XXXX ''. As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my credit card and reconsider its decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

On XX/XX/2023 Nelnet , Inc. sent a written confirmation stating that an update on account number : XXXX has been sent to all credit reporting agencies to reflect a {$0.00} account balance. As of XX/XX/2023, all credit reporting agencies has reported inaccurate account information.
Consumer complaint received 2024-04-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe (FL)

On XX/XX/XXXX, I had entered a payment plan of {$20.00}. I have been successful in all 13 payments. I am going through a hardship currently, and on a fixed income, barely making it my expenses have increased. I made a total of 13 payments of {$20.00}. I would like to consider what I have paid and settle this account. My increases. My expenses have increased and my income is very fixed that Im barely getting by trying to catch up on bills and other obligations.
Consumer complaint received 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

I moved out of California and i forgot that i called NELNET to talk about my student loans. I asked for basic debt validation, the master promissory note.

The Rep kept beating around the bush, basically saying he doesn't have it. I know they don't because they sold it years ago ( received original loan in 2014 ). Dept of Education sold the debt without my permission to NELNET after they wrote it off. greedy companies made money off me so many times because I was not aware this was not a loan but a CASH ADVANCE TRANSACTION, They deceived me and had me sign a contract i didn't understand at XXXX years old. these companies benefit off of my negative credit and that's not fair. since this company can not produce basic validation, this needs to be removed ( Please send securities to my XXXX account ), & report to all credit reporting bureaus, report paid as agreed and remove any and all negative items off my report. I want to be compensated since its been months. since we spoke i was denied for XXXX cards. 

How much more SERIOUS physical, non-physical, emotional or mental harm do i have to endure by these company bullying and deceptive practices
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — Store credit 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 (IL)

I traveled to XXXX XXXX XX/XX/2022 - XX/XX/2022. 
XX/XX/2022 while in XXXX- I received alerts from my bank about several credit inquiries. I did not personally make any inquiries. 
Upon return to America, I called all 3 credit bureaus ( XXXX, XXXX, XXXX ) and froze all accounts. I requested credit reports. 
I discovered 5 accounts that were opened under my name and credit and had outstanding charges. I did not open these accounts. These are not cards that can be used anywhere, They are all store credit cards. The accounts are closed but still on my credit reports. The accounts are all now in default. 

XXXX XXXX # XXXX opened XX/XX/2022 amount charged {$3700.00}. credit limit {$4000.00} XXXX account # XXXX opened XX/XX/2022 amount charged {$3400.00}. credit limit {$6000.00} XXXX XXXX account opened XX/XX/2022 amount charged {$890.00}. credit limit {$1000.00} XXXX XXXX account # XXXX opened XXXX, 2022 amount charged {$1800.00}. credit limit {$2000.00} XXXX XXXX # XXXX opened XXXX, 2022 amount charged {$6300.00} I have also received mail from multiple other companies ( XXXX, XXXX 's XXXX XXXX, XXXXXXXX XXXX ) informing me that I have been declined a credit card. 

I have filed a police report for identity theft. 
I have filed a complaint on identitytheft.gov
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (LA)

Chase recommended a payment plan option that was autodrafted.The last of the third consecutive payment didnt process for some reason.They then put me on another payment plan which i paid out on time.They did not tell me they were reporting to my credit as late payments or that they would be late.XXXX  XXXX XXXX, XXXX and XXXX of XXXX are incorrect.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I made transactions on XXXX XXXX, XXXX, and XXXX. I had a bill pay that was due XX/XX/21 that would have been processed on XXXX business. Tuesday I logged on and saw the XXXX posted first followed by the bill coming out, resulting in XXXX overdraft fee. I was fine with this. I was due to receive a deposit on XXXX. XXXX  I logged into check the deposit status and saw that not XXXX but XXXX overdraft fees had been posted and that the bank had switched things around to post the bill first and the smaller XXXX transactions after, generating XXXX additional fees. I contacted them and they refused to rebate the fees as a courtesy and claimed this was in compliance with their policies but provided no proof of why they posting order had changed over night. Ive had similar issues in the past. I asked to escalate my complaint and receive a call before end of day and they claimed they could not let me know when someone higher up would review my case and return my call. I informed them I would be filing complaints with regulatory agencies as I believed they were manipulating the way the transactions are posted in order to receive more fees.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items. Thank you. 
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 2023-07-17
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: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NV)

I received a letter stating they had a collection account for a credit card. I contacted the company to request a full statement and transaction history including payments for the account. They only sent a statement summary for the month of XX/XX/XXXX. I contacted the company again on XX/XX/XXXX and spoke to agent XXXX XXXX who stated they sent the only information they are required to. I explained that it does not prove the amount owed because I am not able to see the transaction history to verify the transactions were mine or that the amount is correct. I also spoke to her supervisor on the same call and requested the same information and again they sent the exact same information. I am unable to verify and validate the debt based off their lack of documentation
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am writing to address Santander Consumer USA Inc. 's continued unlawful debt collection practices. Your company persists in reporting incorrect information on credit reports, employing aggressive tactics, and violating consumer rights. 

Predatory Lending and Bad Credit Reporting Practices : Santander has been found guilty of predatory lending practices, exposing subprime consumers to unnecessarily high levels of risk. 

Your company knowingly placed consumers into auto loans with a high probability of default, disregarding their ability to repay. 

Additionally, Santanders credit reporting practices have harmed my financial well-being.

Aggressive Debt Collection Tactics : Despite a cease and desist letter previously sent and acknowledged by your organization, Santander continues to employ forceful and illegal tactics to collect debts. 

These tactics include harassment, intimidation, and disregard for the health and safety of consumers. 

XXXX XXXX XXXX XXXX XXXX I personally experienced an incident where Chrysler Capital/ Santander representatives held me against my will during an attempt to repossess my vehicle. 

Their actions resulted in XXXX XXXX XXXX XXXX XXXX which is unacceptable and in violation of my rights. 

Evidence of Misconduct : I have attached video screenshots that clearly demonstrate the use of force and complete disregard for my well-being during debt collection. 

These actions were taken despite clear instructions to release the debt. 


Settlement Acknowledgment : - I am aware of the {$550.00} XXXX settlement reached in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys General colleagues, and Santander Consumer USA Inc. - The settlement addresses allegations related to deceptive lending practices, unfair loan terms, and aggressive debt collection tactics. - It requires Santander to provide relief to consumers through restitution payments and debt cancellation. - Pennsylvania consumers are eligible for at least {$14.00} XXXX in relief, including {$2.00} XXXX in restitution and at least {$12.00} XXXX in debt cancellation.
Consumer complaint received 2021-01-04
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: EQUIFAX, INC. (NJ)

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2021-01-04
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. (NJ)

EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I filed claim # XXXX for the amount of {$4500.00} since then my claim has been denied about 12 times. Bank of America is a joke has not conducted a proper investigation into this claim I filed a complaint through CFPB ON XX/XX/2022 STILL WAITING FOR A RESPONSE??? It's been 60 days if not close to it. Each time I've called bank of America costumer service I get the same XXXX story they are working on it. They have wasted so much of my time they have stressed me out beyond belief. I can also credit them for me ending up homeless. This money I was depending on and was stolen created A domino effect in my life with my finances I ended up in the streets living in my car with my dog. XXXX XXXX  XXXX is nothing but a piece of XXXX institution that does not know how to properly treat their clients with dignity and respect instead they hire a bunch of rude XXXX  people to answer phones and tell people they can't do nothing for you because they are not the ones doing the investigation. Which mKes me wonder is there anybody in charge???? I want my money back I will sue BofA aka XXXX XXXX  for everything I possibly can. It's been 11onths and they are still giving me the same run around. I'm tired of them ignoring me and playing me for a joke. This matter is not resolved within the next 48 hours me and bank of america will have a big problem.
Consumer complaint received 2024-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (PA)

Assetcare LLC is the current, and the third debt collection firm to harass me about a medical bill that is because the hospital involved, XXXX XXXX in XXXX Ohio, did not follow proper veterans administration building procedure and field on their own to get the bill paid. 

I even had the VA call them on my behalf, and the VA representative who had contacted XXXX XXXX XXXX said they refused to resubmit the bill to the VA for my care as an XXXX XXXX veteran. 
But XXXX XXXX XXXX did then cell the bill on the secondary market I soon found out. 

So the first bill collector tried to collect I went through the whole spiel with him, and they dropped it and that was that but now theres another collector, XXXX XXXX, but I also spoke to and that I gave the same story to the hospital didnt do their billing correctly I dont owe that bill it is not mine. 

XXXX XXXX put a collections item on my credit report like the previous company had but pull down when they agreed with me that no it was not my bill. 

So I disputed this credit collections on my credit report with XXXX. And XXXX XXXX denied the request because they said assetcare had a bill. Apparently all anyone has to do to see anyone else owes the money is just to say well I have a bill I bought it myself on the third-party market for debt. And the in collections status is still on my account. 

I will attach the screenshots of the item in question to this when I submit it. 

Unfortunately I dont have access to any original billing materials, because the hospital involved initially pitched it. And the bill collector only has a name, and a dollar amount. They paid good money I assume on the open debt market, and they want this veterans cash. I assume theyre trying to squeeze me out using the threat of it being on my credit report forever. 

XXXX assuming thats how their entire business works. 

But this is my point. I am a veteran. I have a VA medical card. This bill was incurred at XXXX of those fast medical support XXXX places, for {$1200.00} total. When I went there I gave them my VA card they took a copy of it I had no other insurance. And I still dont. Because I count on my country to look after me after my service ended. 

And again, when the hospital started coming after me and I contacted the VA, and the VA actually went to the trouble of contacting billing at XXXX XXXX to straighten it out, the guy at the VA called me back and said XXXX XXXX refused to work with the VA on straightening this out. 

As far as this goes they wan na leave that there forever XXXX more than happy to help because they arent getting a dime out of this veteran. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX