davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (TX)

Experian refuses to remove XXXX XXXX XXXX from my credit profile. On XX/XX/2023 I was told by several Experian representatives that Experian is still internally investigating my dispute with XXXX and that they would be finished by XX/XX/2023. Later I received an email saying they validated the dispute and they will continue to report the fraudulent account on my credit profile. Misrepresentations about the debt, including the amount owed is illegal and in violation of my consumer protection rights. Its been past 30 days and the company has not furnished any documentation proving the amount they are claiming I owe. I have enclosed documents they keep furnishing to the credit bureau which is not a valid billing statement of the amount they are claiming I owe. In the documents it shows multiple different amounts that they are attempting to collect from me, no documents from XXXX stating that the balance theyre reporting is owed by me.
Consumer complaint received 2023-03-02
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$21.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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: NAVY FEDERAL CREDIT UNION (ND)

I have a {$200.00} secured credit card with Navy Federal. My balance on my card was {$420.00} I was 60 days late on making my payment. I made a {$420.00} payment on XX/XX/XXXX a duplicate payment was sent for an additional {$420.00} Upon realization of the additional payment I requested for it to be canceled. I asked for it to be sent back to my XXXX XXXX checking account ( which is where the funds originated ) Instead of sending the funds back the {$420.00} it was put into my Navy Federal Savings account. I have no access to move any money except to my credit card so I used my credit card to make purchases I then transferred money from my savings to my credit card to pay down my balance. My savings account has a balance of {$0.00} my credit card that I just paid off twice ( which again only has a credit line of {$200.00} ) is currently at a balance of {$310.00} I have not been able to transfer my money to any account except for my credit card. I was then informed that my original {$420.00} payment that posted on XX/XX/XXXX was declined due to insufficient funds. This was on the day when I received my tax returns and 2 separate deposits from both my jobs. The first payment I made when I got my money was the {$420.00} to pay the balance of my credit card. Once again NFCU has no idea how this occurred other than to blame me and leave me stuck with the bill. I have had my checking account taken away after I was the victim of fraudulent charges. I am also in risk of losing my account and being made to look like my claim is misleading and untruthful. I do not have money to afford the legal defense to file a lawsuit in court and prove my claim. Because of this NFCU continues to ignore my requests to resolve this. Sadly, Banks get away with this all the time. Im sure when they inevitably face another financial crisis they will fortunately not have to endure the same treatment and will instead be saved.
Consumer complaint received 2023-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC (NY)

On XX/XX/XXXX, I received a letter from Frontline Asset Strategies LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MN XXXX stating that I owe XXXX {$80.00} for an account number ending XXXX which is different than my existing XXXX XXXX account number. I contacted XXXX XXXX to understand what was this account about and XXXX XXXX team could not locate the account. Then I went to the nearby XXXX XXXX service center to verify my credentials and later XXXX identified the account is for a wireless internet service which they claim that I opened XX/XX/XXXX. I was not aware of any such accounts. I have never received any email or phone or chat or postal communications regarding this account from XXXX XXXX  and I didnt use any wireless internet service under that account. In fact ; I never knew I had a wireless internet account with XXXX until I received the notice from collection agency. I have never used any internet service under this account. 

Without providing any kind of communication about this matter, XXXX sent it to collections and collections reported this matter to credit agency. I disputed this charge and requested collection agency to provide all email/chat/postal correspondence regarding this account and usage information ( data upload/download for internet ) from this account. I havent received any such response from XXXX or collection agency yet. 

It is very upsetting to see that this is reported to credit agencies which will deteriorate my credit score tremendously. 

I wanted to file a complaint against XXXXFrontline Asset Services for unethical practices and request to remove the collection report from my credit report.
Consumer complaint received 2020-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XXXX the XXXX @ XXXX XXXX, I received a text notification informing me that there was an addition of a contact to my XXXX. Immediately, in fact so quickly that I suspect that this was all automated, they sent themselves {$1000.00}. I immediately began the process of cancelling XXXX on my account. Then I called the USAA, my bank, and reported the fraudulent charge. They began an investigation the same day ( XXXX XXXX ). I worked with them to secure my account again, and they led me to the fact that they had compromised my email due to the fact that they were allowed access via an emailed code. I never found said email, but did notice that there was suspicious activity on my email. I changed the password, and have not had problems since. Furthermore, I have two factor authentication enabled on my account, but primarily through text. To my knowledge most ways of logging in prompt USAA to send me a text message. I received no texted code from USAA any time near that transaction. I called today and was told by a representative that they had found me liable for the charge. She said the reason was for multiple returned deposits, and frankly that didn't make any sense. I have not had a returned deposit anytime this year. Furthermore, I hardly use XXXX, and have never had a XXXX deposit. I have only ever sent money, a grand total of 2 times. One was a year ago, and the other was a transfer the week before for {$45.00}. Either way, what do returned deposits have to do with a fraudulent XXXX transfer out of the account for XXXX. I asked her to clarify, she put me on hold, and seemed to end the call. I called again and spoke to a more knowledgeable representative. She told me that the investigation showed as finished, but there was no liability determination made just yet. She asked me to call back on Monday, and was generally more helpful. I looked at similar cases of this happening to others, and there seems to be a trend of banks finding the victims liable. I also read that XXXX is covered by regulation e protections from other victims.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (IN)

XXXX, Experian, and XXXX are illegally reporting negative information on my credit report. 
I did not consent to this violation of my privacy 15 U.S.C. 1681 SECTION 602 A - states that I have a right to privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 - also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1692A -Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Also, my credit reports from Experian and XXXX XXXX reporting different, inaccurate information which they falsely claim to have verified 15 U.S.C . 1681i ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I placed a credit freeze with Equifax. I would like to temporarily lift this freeze, but I am unable to do this online, I keep getting the error " We are currently unable to service your request.   Please try again later. '' I called up the customer support, hoping to complete this process over the phone, but I was told that I will have to mail in a copy of my identification documents to Equifax. This exposes me to a risk of ID theft.     I have the pin Equifax provided me when I placed the freeze and all other information to prove my identity, that seems to be of no use, the customer support agent had no way of lifting the credit freeze over the phone.     This is a terrible experience for me since IRS requires that I unfreeze my Equifax credit to be able to access my " Taxpayer identity protection program '' pin online.
Consumer complaint received 2023-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (AR)

On XX/XX/2023 the letter is dated but I received it on XX/XX/2023 via mail which I disputed. On XX/XX/2023 I received a letter in the mail after disputing the account online with the XXXX credit bureaus. After the dispute I have received XXXX letters from Midland Credit Management and numerous calls ( which I dont answer ). Midland has sent XXXX different letters with XXXX different account numbers which are not matching any of my records nor is on my credit report. The accounts are not mines. I do not owe a debt that is not mine nor reporting to my consumer reports. I also looked up Midland credit management XXXX ID number which is not authorized in my state of residence to collect anything. Inaccurate XXXX info results in a direct violation of the XXXX XXXX, which is something i have been noticing.
Consumer complaint received 2023-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY (CA)

Purchased home in 2009 had loan with Wells Fargo many years but extra pmt made was never reflected towards principal. Finally refinanced out of Mtg loan with them. I also financed a new car with them they added an insurance on their own causing me to have lates on credit. This ruined my credit for years and I was unable to fix for a while.
Consumer complaint received 2024-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

These corporations do not know the law. I've asked them all to cease and desist and it's being ignored. 

I have not missed a single principle payment but they continue to harass me. As I've stated over and over that it's legal to make a principle payment with the intention to pay interest at the end of the loan. This is called Freedom. This is America and not some XXXX foreign company that continues to harass. Concentrate on customer service instead of control and deep state corruption.
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (NE)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2022-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

I have been the subject of identity theft ( thwarted, thankfully ) for much of 2022. I recently applied for credit with Synchrony Bank for a SAM 'S CLUB credit card. I wasn't given immediate approval, and was told " more information was needed ''. I subsequently received a letter in the mail pointing me to a website to verify my identity. There, I took a 5 second selfie-video, and provided a picture of the front & back of my FL drivers license. Again, immediate approval was denied and was told I'd receive a decision in the mail. 7-10 days later I received that letter from Synchrony Bank denying my application for the following reason : " couldn't establish identity ''. I'm dumbfounded -- I provided an actual video of ME, along with state issued government identifcation?? 

So I responded to their letter asking them to re-open my application as I would be providing them with a multitude of acceptable identity verification documents TO REMEDY THEIR CONCERNS, which included copies of the following : passport, front/back of state issued drivers license, birth certificate, social security card, bank statement with current address, and one credit card showing my Name & Card Number. XX/XX/XXXX, I received a letter back again stating they are denying my application due to " identity concerns ''. Specifically it mentions, " During the verification process we found conflicting information. In some cases, these types of discrepancies may indicate potential fraudulent use of your personal identity information ''. 

As most people do today, I use XXXX XXXX & XXXX XXXX  to monitor my credit on a daily basis. I also am a subscriber to XXXX, XXXX, and XXXX XXXX and monitor my credit directly on their sites as well. I don't know what else I could provide to verify my identity in addition to the above mentioned documents? 

So what concerns me the most and brings me to your Bureau is " WHAT IS THE CONFLICTING INFORMATION THEY ARE SEEING THAT INDICATES POTENTIAL FRAUD USE OF MY IDENTITY '' that results in credit denial?. They refer to private databases that they utilize, which I'm not privy to and able to monitor. Normal denials of credit ( deliquency, score, debt ratio issue ) can be actually seen and understood, and subsequently fixed with appropriate course ( s ) of action. BUT I'm at a loss as to what my ACTUAL PROBLEM is, and have no idea how to fix with any type of appropriate action -- BESIDES THIS??? 

I'm concerned that If i apply for a more substantial line of credit in the future this could affect me in a more damaging and negative way as well. I'd like to address & fix the discrepancies Synchrony Bank refers to NOW before a time comes when I may need a new car/home. 

XXXX XXXX XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc. (LA)

On my XXXX account XXXX  is reporting XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020 as late. I spoke with XXXX credit department and I was informed that they did not report that to XXXX. I spoke with XXXX at XXXX  who stated they received the information from XXXX. I would like for this to be looked into b/c it appears that XXXX  is reporting inaccurate information. XXXX as well as XXXX  have the correct information. I did file a dispute but I would like to insure that the inaccuracies are taken care of.
Consumer complaint received 2023-03-02
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)

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX  Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Inquired on XXXX XXXX, XXXX.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (NV)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CA)

On XXXX. I trued to send $ to my husbands chime account with the pay anyone feature. They said it was suspicious. Ive sent money to him in past never a problem before. So they sent me to fraud department. They asked all of my personal information. And when asked to provide state id. I dont have 1 at this time. So they signed me out of my account on my phone in chime application. I went to get state ID it will take 4-6 weeks to arrive. I even tried ordering A new card and activating that, but they still said I cant activate my new card that came to my address associated with my chime card even though I called them on the phone that was associated with my Chime account and answered all my personal information questions and the end I was hung up on 3 times. I feel this is unfair. Ive had this account since 2012 never have I provided my ID. I want my money! I did nothing wrong for them to hold my money.
Consumer complaint received 2024-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION (MA)

On two occasions ( most recently on XX/XX/XXXX ), I reached out to Sallie Mae and asked for information about a loan they held for many years. 
I have not saved statements from Sallie Mae as I didn't believe I would need to prove the duration of the loan or payments I made after several years had passed. 
I subsequently consolidated this loan at a lower rate with a different company ( XXXX ) and I no longer have access to my data through Sallie Mae 's website I am in the process of verifying loan information to qualify for the PSLF program. I need this information to prove that I have been paying these loans for over 20 years I currently hold another loan ( beginning XX/XX/XXXX ) with Sallie Mae so even though they no longer hold the previous loan, I am still a paying customer
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX stated they transferred this tradeline to XXXX XXXX XXXX as of XX/XX/2023 However this tradeline is still on my consumer report as XXXX XXXX XXXX. This is inaccurate false and misleading. IF YOU DO NOT DELETE THIS INACCURATE ACCOUNT I WILL LITIGATE
Consumer complaint received 2023-02-25
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. (CO)

On XX/XX/XXXX I sent Experian a letter for two accounts that they are reporting an inaccurate payment status on. 

I have not received a response, and this inaccurate information is hindering me from getting approved on a mortgage loan. 

On XXXX, this loan is closed and paid in full for over two years. They are reporting a delinquent payment status from XXXX it states " Paid, was past due 30 days. The loan was never late. 
The payment status should state " PAID as Agreed '' On loan depot this loan is also reporting a delinquent payment status which is completely inaccurate, they are reporting " current was past due 60 days '' - First I was NEVER late 60 days, secondly, in the two year history all payments are made on time then in XXXX they have a random 60 day late payment. which is inaccurate you cant go from being on time to 60 days late. 
Remove the 60 day late payment in the two year history and CORRECT the payment status to read " CURRENT '' Ive included the certified letter I sent, as well as a copy of both accounts credit report showing the inaccurate information,