davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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: I.C. System, Inc. (WI)

In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
Consumer complaint received 2020-12-29
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: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX I visited XXXX XXXX XXXX XXXX XXXX, a restaurant in XXXX XXXX XXXX SC. I dined with my son and paid the {$81.00} check ( incl tax and tip ) with my American Express card. The next month upon reviewing my bill, I noticed a 2nd charge for {$190.00} from the same restaurant on the same night that did not belong to or was authorized by me. At that time I began dispute resolution with American Express. 

The dispute process has been difficult with numerous calls to Amex customer service. Initially Amex refused to open an investigation, but after several months of calls, they finally agreed to investigate and contact the merchant. Today ( XX/XX/XXXX ) I received a letter from Amex regarding the results of their investigation. Their letter concludes, in part, " after reviewing ( XXXX XXXX ) explanation, we've determined you're responsible for the amount in question. '' They included documentation supposedly supporting their claim it was a duly authorized charge. However the documentation, an email chain from XXXX XXXX, CLEARLY indicates that the XXXX XXXX agrees with my claim. One email states " We have researched the disputed info find the customer is correct. '' A second internal XXXX XXXX email states " we are definitely in the wrong '' and goes on to suggest the waiter be fired and that this may not be that waiter 's first such offense. Despite this evidence, Amex has concluded I am responsible for the charge.
Consumer complaint received 2021-03-15
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LCS FINANCIAL SERVICES CORPORATION (TX)

Hello, today XX/XX/2021 I found out that LCS Capital, one of my debt collectors, has been contacting my supervisor at my job on a regular basis. I found LCS 's phone number ( the same on they call me with everyday ) inside of my coworker 's phone. I asked my coworker about it and she denied everything about it even though we have the same number in both of our phones ( I have proof ) Now it would be important to note that my Supervisor doesn't have any private debt because she didn't go to college. It is also clear in the debt practices that a debt collector is not supposed to be contacting the people around me. 
.I want them to be penalized for this and I want them to stay out of my professional and personal life because it seems like they have no problem stepping over the line.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2020-12-29
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: Experian Information Solutions Inc. (LA)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2020-12-29
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: OneMain Finance Corporation (CA)

XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX XX/XX/XXXX Re : Account # XXXX To Whom it may concern, While looking at my credit reports I have noticed inconsistencies with the information on all three credit bureaus. As you know, this is not allowed. I have disputed this account several times. 

Why does XX/XX/XXXX have this account showing I am still making payments? This was paid off in XXXX. 

XX/XX/XXXX. 
XX/XX/XXXX Shows that I have one late payment XX/XX/XXXX, XX/XX/XXXX reporting 31 late payments. 
XX/XX/XXXX showing excellent payment history no late payments I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am getting an auto response that it will remain on my XX/XX/XXXX reported unchanged. How when nothing was validated? 

XXXX XXXX XXXXXX/XX/XXXX on XXXX removed all payment history from both reports. Right before I received and update from my dispute with XX/XX/XXXX. That this will remain unchanged. I never reported this account with XX/XX/XXXX or XX/XX/XXXX. Why would the creditor remove the payment history? 

I recently received an automated response from your e-Oscar verification which is not acceptable. No one physical contacted the Creditor asking for verification. I have attached my response I received from Creditor. If I asked XX/XX/XXXX to help me verify this debt. How could XX/XX/XXXX allow the Creditor to submit what I received as proof? 

Why is Creditor unclear on my request which XX/XX/XXXX contacted for proof. I am requesting for a deletion of this account from all three Credit Agencies.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

4 months back I paid the total amount due on the charge card, showing a XXXX balance. Yesterday I got an alert from my Bank about an overdue account affecting my credit score. My accounts were all up to date, in fact usually paid several days to a week before the due dates. It was a Capitol OneXXXXBass Pro charge card. Apparently I paid on the XXXX, and the payment was removed on the XXXX, several days BEFORE the due date on the XXXX, and on the due date they assessed XXXX cents interest to my account. I never received a bill in the mail. I was never sent an email to my account on file. The following month they charged a late fee of {$3.00}, along with interest on the XXXX. The following month another {$3.00} late fee plus interest on the original {$3.00} late charge and accruing interest. The following month another {$3.00} late fee plus interest on the two previous {$3.00} late fees and interest on the original XXXX which had now grow to close to {$13.00}. The first call the customer service rep said she had no idea why I was charged the interest, which she agreed was XXXX cents, since my payment was in full and zeroed out the account. The second call to customer service today had the original amount change from XXXX to {$3.00}. I was also told they contacted me by email, but had no dates the emails were sent. She also agreed I paid the full amount of my balance and had a XXXX balance several days before the due date, but the interest was charged after the due date, but couldn't explain why my account was a XXXX balance before the due date, but they charged me interest anyway.
Consumer complaint received 2020-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Please see attached letter and statements for greater detail. In Summary : FedLoan Servicing failed to give me PSLF credit for qualifying payments made XXXX through XX/XX/2019, claiming I underpaid the XX/XX/2019 payment. 

However, the XX/XX/2019, statement showed the Current Payment Due as {$0.00}, the Total Due by XX/XX/2019 as {$0.00}, stating You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month ( meaning XX/XX/2019 ). Your next payment is due on XX/XX/2019 for {$1100.00} { explanation added }. 

On XX/XX/2019, I made a payment in the amount of {$1100.00}, the amount which the XX/XX/2019, statement showed as being due. This payment was made within the fifteen ( 15 ) day window of the due date ( XX/XX/XXXX ) allowed for payments to qualify under the PSLF program. Therefore, this payment qualified as a qualifying payment under PSLF criteria. 

As further evidence that I did not underpay the XX/XX/2019 payment, none of the statements generated after that showed any past due amount. In fact, the XX/XX/2019, statement, which reflects the {$1100.00} payment made on that date, states : You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you have requested. 

So, not only did fully pay the amount due in XX/XX/2019, I continued to OVERPAY this account. 

In addition to failing to give me credit for the XX/XX/2019 payment, FedLoan thereafter failed to give me credit for payments made in XXXX, XXXX, XXXX and XX/XX/2019, claiming that I had underpaid the XXXX payment which was incorrect. 

This is an ongoing problem with this loan servicer they continually attempt to deny credit for qualifying payments under PSLF.
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX closed my account kept my acount frozen for 3 months after all proper identity given funds are revered and negative on my account which is about XXXX and will not release my funds when clearly on black and white they are at fault. need help thank you
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2020-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

Around XX/XX/XXXX, I called Navy Federal about funds being available to cover my mortgage in another account. I was told to transfer funds from one account to the other once my military pay was available on the XXXX of XXXX and it would cover the mortgage. I did as customer service advised and transferred. Days later I received an email message to call the security center from Navy Federal. Later I learned I was a victim of phishing. Navy Federal has not helped me at all my accounts were frozen and forms that needed to be submitted it seemed they were unwilling to give them. The credit Union is not truthful to its customers because they told me they paid the mortgage on three occasions and my mortgage and other bills remain unpaid. Lastly, after talking to Navy Federal again today I dont believe they are doing any type of investigation because I was blamed today and XXXX was taken out of my account not even sure when it was taken I asked the customer service and was told I owed the bank over XXXX and the bank was not paying the mortgage. These issues have been going on for weeks. My stimulus check is supposed to go to my account I am a bit concerned about that. It is really sad that Navy Federal treat people in such a manner. Lastly, when I said I was filing a complaint the customer service representative said I could care less.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

In XXXX of this year I was attempting to buy a XXXX XXXX. I had asked the dealership to not run my credit because I already had a bank that I wanted to use for the loan. However, even though I did not authorize it, the dealership ran my credit anyway. 
I found out later when I received some letters in the mail telling me I was not approved for the loan. I was extremely confused because I knew I had not authorized these inquiries but also because the notices told me that I had a very high credit score. In fact I had an XXXX  credit score. Needless to say, I should not have been denied this auto loan but I didn't have the time to go back and forth with the dealership about it at that time. A few months later I decided to look into this issue and requested my credit reports and found some incorrect information on them. So I sent in a request to have this information removed but I have not received a response yet. I'm not sure what else to do since I think I have done everything I am supposed to do and yet I have not received any information about the status of my requests. When I tracked my information it shows that XXXX received my request on XXXX, Experian XXXX, and XXXX received my request on XXXX. I have not received my credit reports from XXXX  or XXXX XXXX XXXX ( even though I have requested my consumer file at least 3 times since XX/XX/2020 )
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank are harassing me for a debt I do not owe : I made a {$35.00} purchase with XXXX XXXX XXXX in XX/XX/XXXX however I did not receive my order, they were returned to XXXX XXXX for " insufficient address ''. 

After contacting the XXXX  and requesting account closure & a full account credit & for all communications to cease, my XXXX XXXX  account has been closed. However comenity have failed to credit my account for the {$35.00} and are now adding monthly late fees of approximately {$35.00} per month, and continue to call and harass me. 

I have filed a complaint with the CFPB ( ID No. XXXX XXXX to try have the account credited and the communication to cease. I have waited 18 days for a response and in the meantime I am being severely harassed. 

I am receiving calls from numerous phone numbers, I can not keep up with blocking each phone number, and these calls are also on Sunday mornings. 

Today, XX/XX/XXXX I received the following calls : XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX  XXXX at XXXX XXXX  " unknown caller '' at XXXX XXXX XXXX at XXXX XXXX  I also received a call from XXXX at XXXX XXXX  on Sunday XX/XX/XXXX. 

I am finding this extremely stressful, all in the name of kids clothing that I did not receive.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I did not open this account and believe it was identity theft. I already tried to dispute this debt with the collector on XXXX, 2020. I keep getting letters from XXXX XXXX even though it was said it was taken care of.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 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 2020-12-29
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

AFNI has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (VA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , XXXX- add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2023-03-06
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. (CA)

I obtained a copy of my credit report and noticed a credit card on my report that i did not apply for and had no knowledge of, it is fraudulent and i need it removed as soon as possible as it is affecting my credit and well being, i noticed this fraudulent account XX/XX/2023, XXXX XXXX XXXX the amount is XXXX $ i have contacted coastal prosper and have not been helped in any way
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MO)

On or about XX/XX/2020 I noticed unauthorized transactions on my account after my account went into negative status. I contacted the bank to file a complaint and dispute the transactions done thru XXXX XXXX on my account. This totaled {$8500.00}. I never authorized anyone access to my account. I did receive a link to my phone that stated it was XXXX XXXX. I never filled out anything with that link. Navy Federal is indicating based on me sharing with them that I received a link, the number of times I logged into my account and based on how a rep noted my account my {$8500.00} that was stolen out of my account is pretty much my loss. After filing this claim my debt card use was blocked THAT IS UNACCEPTABLE.. I spoke with a VERY RUDE XXXX agent a guy from the card fraud dept around XXXX and XXXX who noted a lie on my account. This has caused me to be at a loss of {$8500.00}. I do not remember the guy name, but he was in the card fraud services dept. I would like my debit cards unblocked and my funds back in my account. someone stole my funds using XXXX XXXX.