davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We are having an ongoing problem with my Capital One XXXX  credit card. When I went to use the card on XX/XX/XXXX, my charge was declined. When we contacted Capital One on XX/XX/XXXX, they informed us that there was a restriction placed on our card. We have been customers of Capital One for several years and have NEVER not paid our bill in full on a timely basis. We have never incurred a finance charge. When we called Capital One consumer service and asked why there was a restriction on our account, they would not tell us why. They said that someone would reach out to us within XXXX hours. We also asked to speak with a supervisor ( XXXX XXXX ) who told me the same thing. They would release no information on why our card was restricted. On XX/XX/XXXX when no one reached out to me within XXXX hours, I also sent a detailed email to the President of Capital One ( XXXX XXXX ). Again - no response. I contacted Capital One again yesterday - XX/XX/XXXX - and requested a supervisor. I spoke with XXXX ( XXXX ) and he told me that someone will contact me within 5-7 business days of the inception of the restriction and also would not tell me why the card was restricted. It has been 8 business days and no one has contacted me. Therefore, I was NEVER contacted by anyone at Capital One either to originally inform me of this restriction - and thus spare me the embarrassment of having my card declined in a public space - or to follow through as promised within 72 hours or 5-7 business days. To date, not one call or email or text has been sent to me by Capital One nor has anyone been willing to tell me why a restriction was placed on my account. I believe that 15 US Code 1681g is applicable here and that the consumer reporting agency, i.e. Capital One, is required by law to clearly and accurately disclose to me all information in my file when requested. I do not know how to resolve this issue as Capital One will not cooperate with me in any way. All I want to do is sever my relationship with this awful company. My last bill was paid in full ( as always ) and I have outstanding charges of just over {$1500.00} made after payment of the last bill but before the restrictions were placed on my card. We have cash back of {$540.00} due us and want to deduct this amount from our remaining balance, pay our last adjusted bill and close our account. Both supervisors and each person I spoke to at Capital One told me we could not get our cash back until the restrictions were lifted and yet they won't lift them or give us any reason for said restrictions. Both myself and the primary card holder - my husband XXXX XXXX- have been involved in these communications with Capital One. We need help in resolving this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Cell : XXXX
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2023 I refinanced my home and reached a written settlement with Synchrony Bank TJX Rewards XXXX. The account was Settled in Full for {$2700.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' Synchrony Bank accepted and deposited my {$2700.00} check from the Title Company, marked as Settlement in Full. However, AFTER the payment was received, Synchrony Bank reported my account as " Charged Off '' with a balance of {$3400.00}. This report has occurred every month since XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$3400.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). Synchrony Bank most recently reported this on XX/XX/2023, and I expect they will fraudulently do so again this month. As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has continued to be falsely reported.
Consumer complaint received 2018-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (MO)

I opened a Trust account with Ally Bank of which I am the Trustee of my own Trust. Ally considers my Trust as the primary owner and will not allow me to, request on line statements only, but require that I receive hard copy paper statements. This was not disclosed to me at the time of opening. I have spoken to them numerous times via private secure mail on their web site and today I spoke to XXXX in the Trust department and then XXXX XXXX the Deposit Ops Supervisor and they refuse to allow me to only receive on line statements. This is a concern for me when mail could be stolen from my mailbox or the USPS deliver my mail to the wrong person, disclosing my account number and balance. My Trust is not a person and I should have a right to request my statements be available on line only.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore Loan Management sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that Rushmore is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX has committed a fraudulent purchased on my credit card that i just received without even had a chance to activate. Now they send me to a dept collection bureau and damage my credit. I tried to tell them i never used the card. They refused to clear me of the dept and did not agree to clear my name off the credit report.
Consumer complaint received 2019-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX In XX/XX/XXXX I notified customer service that I'd been directly impacted by Hurricane Irma and both my county of residence ( XXXX ) and employment ( XXXX ) had been federally declared National Disaster Zones. XXXX XXXX XXXX did not have any assistance programs in place so I continued to make the monthly payment. In XX/XX/XXXX I again contacted XXXX XXXX Customer Service at which time they offered to place my account in forbearance between XX/XX/XXXX - XX/XX/XXXX during which time payments would not need to be made, interest wouldn't accrue, late payments wouldn't be assessed and negative credit reporting would not occur. 

When billing reoccurred in XX/XX/XXXX, I disputed the amount owed because it contained late fees and accused interest for 6 month forbearance period. I escalated my concerns to the Customer Service Manager in XX/XX/XXXX and XX/XX/XXXX when these same charges were being improperly assessed. This continued through XX/XX/XXXX at which time they reported my account as a charge off status, reported all payments from XX/XX/XXXX - XX/XX/XXXX as not paid and serious delinquencies to all three credit reporting agencies and sold the original account that was still for the disputed amount to XXXX XXXX   in XX/XX/XXXX and they continue to report collections and serious delinquencies until current, XX/XX/XXXX. This has drastically affected my financial ability to recover and continues to impact my credit scores and livelihood. I believe they fraudulently charged off the account and sold it to XXXX XXXX because they were unable or unwilling to honor the original forbearance guarantee. I have disputed this with XXXX XXXX XXXX, XXXX XXXX, XXXX, Transition, and XXXX to no avail.
Consumer complaint received 2022-03-16
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred. 
According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX  ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX  ( XXXX ). 

I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address. 
I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX. 
In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web. 
I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts. 
On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed. 
The XXXX account, associated with my current address and email, does not indicate an outstanding balance. 
I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity. 
My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account. 
According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Principal loan amount XX/XX/XXXX : {$22000.00} Loan balance now : XXXX Total loan INTEREST paid so for : XXXX Navient is going to add the total amount of principal paid by me in the days to come, but I have paid at least {$10000.00}. So far it shows at least {$41000.00} total paid out!!!!!! 

FYI : From XX/XX/XXXX to XX/XX/XXXX I paid religiously {$280.00} a month for 10 years that is a total of {$34000.00} and I still owe {$12000.00}!!!!!!!! My payments are {$300.00} a month for the next 5 years that 's another {$18000.00}. Over 28 years that 's {$60000.00} on a {$22000.00} loan. I think I have paid my fair share!!!! On XXXX, in the blog section, regarding class action suit against Navient ; there are dozens and dozens of people just like me, in the same boat.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

Please know the information on my credit report is not correct. I've listed addresses that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source.
Consumer complaint received 2019-08-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (IN)

I have had my car loan done XXXX of 2017. XXXX and XXXX I was reported 30 to 60 days late for a returned payment that I was unaware of from my bank Sandtander the loan company that financed my car didnt once inform me until I called in about a warranty question right now I am on time I already have a 23 percent but they wont remove the late payment
Consumer complaint received 2022-03-16
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EDvantage LLC (VA)

I was emailed by Tuitions Options at XXXX PM on XX/XX/XXXX. This company emailed me at a time that is inconvenient for me. They are prohibited from contacting me after XXXX XXXX  I will be sending a letter to the address that they provided asking them to contact my lawyer. They are asking me to pay {$4100.00}. They also said in this letter that delinquencies may be reflected in my credit report. According to Tuition Options, this letter is an attempt to collect debt for a university I was attending. I am currently in the re-enrollment process to start attending this university XX/XX/2022.
Consumer complaint received 2022-03-16
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My current mortgage servicing company is spying on my credit report without my authorization, they have in the past acted unethically and fradulently. I don't want them to keep violating my rights.
Consumer complaint received 2017-09-08
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. (NJ)

I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MN)

On XX/XX/2023, I received an e-mail from Nelnet explaining that " On XX/XX/2023, the COVID-19 student loan payment pause ended, '' and that monthly payments would again be required. It further explains that the US Department of Education has instructed Nelent to place an administrative forbearance on my account for the month of XXXX, XXXX  and that the first payment would then be due in XXXX. However, during this forbearance period, interest would still accrue on my loan balance. The email continues, and explains that if I would prefer to begin making payments in XXXX, there are XXXX ways to opt out of the forbearance period by XX/XX/2023 : Reply directly to this email, no log in required. 
Log in to your XXXX account with your username and password. 
Call us at XXXX from XXXX a.m. to XXXX p.m. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  and XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I wished to opt out of the forbearance and I let Nelnet know this by replying to the email on XX/XX/2023. I have not received a response to this email and there is no indication on my account that my loans are not in forbearance. 

By XX/XX/2023, I had still not received any indication from Nelnet that my loans were not in forbearance. I also checked my email account 's spam mail folders to see if any response had ended up there, but none had. It was on this date that I again replied to the original email again, explaining that I would like to be taken out of forbearance, however I added a sentence explaining that I have already requested this and haven't received a response. After sending this second email, I immediately received what appears to be an automated response thanking me for my inquiry and saying that an advisor will respond as soon as possible. As I am writing this, it has been a week and I still haven't received a response. 

This has been a rather frustrating experience as this is my first time contacting Nelnet since they became my new loan servicer and it will be the first time I am required to make a payment through them. It seems like it shouldn't be this hard to what seems to be simple ; respond to my email and remove the forbearance.

I have attached all referenced correspondence below. The original email explaining the forbearance is named " Nelnet Forebearance '', my responses to the email are named " Response 1 '' and " Response 2 '', and the automated reply is named " Nelnet Automated Response ''.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-16
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. (FL)

I have been a victim of identity theft for several years. I have at least XXXX correspondences from companies that my personal information was compromised from. There have been several accounts, address, phones number and personal statements added to my credit profile. I have tried for the past 18 months, contacting the credit reporting agencies ( XXXX, XXXX and transunion ). Some items are being removed, but later reappearing. A lot of the issues still have not be removed. This has been an extremely frustrating situation. As a mother of XXXX, fighting XXXX, surviving XXXX XXXX in the XXXX  with XXXX, to have to spend so much time defending my integrity after being a victim. This has become disheartening and disappointing.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XX/XX/2023 I refinanced my home and reached a written settlement with the Law Firm/Collection Agency for Capital One Bank MasterCard . The account was Settled in Full for {$1300.00}, with the agreement that the account would appear on my credit report with a XXXX ( {$0.00} ) balance, and the account status would be " Paid. '' The Law Firm/Collection Agency for Capital One Bank accepted and deposited my {$1300.00} check from the Title Company , marked as Settlement in Full. However, AFTER the payment was received, Capital One reported my account as " Charged Off '' with a balance of {$450.00}. This report occurred on XX/XX/2023, and this account on my credit report is still showing a " Derogatory '' account status, rather than the promised " Paid '' status, and it is still showing an account balance of {$450.00}, rather than the Settled in Full balance of XXXX ( {$0.00} ). As a result of this " Derogatory '' report and falsely reported " Amount Past Due, '' my credit score has dropped each month it has remained falsely reported.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.