davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I first want to start off by saying that Capital One is an awesome company however my FCRA rights have been violated and I must address these errors. I've tried to inform them of this numerous times but they have not actually looked into what I was actually contesting. Instead responding back with contracts and updated payment statuses. That's not what im asking for. Upon viewing my credit reports I noticed CAPITAL ONE AUTO had a discrepancy in the " date of last activity '', date of last payment '', " payment history '', " account status '' and " comments '', section of the listings. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX  is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. The " account status '' for XXXX  and XXXX  is " derogatory '' however, the account status for XXXX is " paid ''. This was also listed as a collection/charge-off which means it should show no payment history. Which this account does and is a violation of FCRA.
Consumer complaint received 2021-06-09
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. (KS)

I have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

The issue I have with my student loan processor, Navient, is that they black listed my bank account and I am unable to enroll in auto-pay or make payments from my new checking account. I have repeatedly called Navient customer service to resolve this issue with the sole result of being completely ignored and without any followup. I have gone so far as to have my bank fax a form confirming the routing number, account number, my name and my Navient account number to Navient with no successful resolution. 

Here 's the details : In early XX/XX/XXXX, between XX/XX/XXXX and XX/XX/XXXX, I moved my personal checking account to a new bank ( XXXX XXXX XXXX ). Shortly thereafter logged into Navient to set up Auto-pay with the new bank account info. 

The following month I received an email from Navient stating may payment was passed due. I called customer service, and was able to make a payment over the phone from my XXXX account to bring the account current, and then try to set up auto-pay again. So after that call I went in to add my XXXX account again for auto-pay. 

A month later I received another payment past-due notice. Again I called customer service to try and resolve this issue. This time the company representative tried set up the auto-pay on her end and was unable to. She received an error stating that " the company received a returned transaction '' from my that combination of routing number and account number, and it was not accepting it anymore. However, The CSR was able to verify that there was an existing transaction on record ( from my previous month 's payment ) from that same bank account. She said she was going to put in a request to investigate the issue and have the company follow up. I never got a response from them or a follow up call. 

At this point the past due statements notices start coming in. I have made 4 additional call in the following 3 months trying to get this resolved. Each time the representative said I had to provide a statement from the bank to validate my bank account, even though they had a valid transaction in their system. 2 weeks ago I asked to speak with a supervisor, who told me she was going to follow up with me within 2 days. Never heard back from her. 

On XX/XX/XXXX, I took off early from work to go my bank and had them fax a form that showed my full name, Routing number, Account number and Navient account number ( for reference ). On XX/XX/XXXX ( today ) I called Navient to follow up on the fax, hoping this would finally resolve the issue. I was told by the CSR ( XXXX ) that although they received the fax, it wasn't a proper letter stating that my account was valid. They would accept a form. When I asked to speak to a manager or superviser, I was left to stay on hold for 30 minutes and then told one was not currently available and the best they could do was have someone call me back later.
Consumer complaint received 2022-10-19
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. (CA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Quality Asset Recovery LLC (NJ)

I got an XXXX  XXXX at XXXX XXXX XXXX. On XX/XX/2022, I paid the {$62.00} owed after insurance. On XX/XX/2022, I received a letter informing me that my debt had been sent to a collections agency ( Quality Asset Recovery LLC ), despite the fact that I have already paid it.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (MA)

Charged twice for the same monthly payment. Contacted Apple Card/Goldman Sachs support and spent over an hour with them, chatting and on the phone. Explained to them that I only authorized one monthly payment, not two. They stated they can not do anything because the payment was already authorized with my bank and that I would have to contact my bank. 

When I checked with my bank, they stated the merchant ( Apple Card/Goldman Sachs ) had not yet completed the transaction. This objectively different from the information received from Apple/Goldman . I then relayed this information back to them Apple/Goldman and was put on hold. They came back and stated that they recognize that an error had taken place where they charged two payments and that both payments had not yet been finalized. However, they stated couldn't reverse the charges and could only file an inquiry. They stated I would have to wait 10 days for a result, despite them acknowledging and admitting that Apple/Goldman had made an error. When I inquired what exactly they needed to inquire when they already verified that they had made a mistake, they stated I would have to wait 10 days.
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I dont remember the credit card debt on file, I went through medical problems and mental health issues and breakdown. Ive been XXXX  and when I did stay at the address on file I didnt get mail. I am medically unable to work and Covid has personally affected my family and I have no income. Is there a way to get an outside source to donate for help. This is causing me major stress and XXXX  issues making my life worse and I dont know what to do.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old XXXX XXXX account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as XXXX XXXX. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance XXXX, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  XXXX ), account ending in XXXX paid in full, XXXX balance closed by consumer, account ending in XXXX, paid in full, XXXX balance. This accounting proves that I only had one unpaid account with XXXX XXXX. Yet I believe that XXXX XXXX   obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from XXXX  XXXX. It is difficult to believe that a publicly traded company such as XXXX XXXX would be XXXX enough to sell the same debt twice. Accordingly, I claim identity theft by XXXX XXXX from either XXXX XXXX XXXX or from XXXX XXXX directly. I paid my XXXX XXXX account directly with XXXX XXXX XXXX. My disputes with XXXX XXXX   went nowhere, where this fraudulent company stated to the bureaus that the XXXX XXXX debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, Equifax and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from XXXX XXXX, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (CA)

I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had been reported by bank of America to XXXX XXXX, early warning system and others agencies because I close my account when I owned XXXX dollar on it. they told if I pay the bank they will remove me from XXXX XXXX. I have pay the money I owned and now bank of America is telling me that they can't remove me and XXXX XXXX is telling me the samething. the only thing I can get from then is if a goverment agency contact then they will remove me.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (NY)

The account in question is XXXX/XXXX Account # XXXX the issue at hand is a late in XX/XX/2020, I was unable to make the payment due to Co-vid. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

The following inquiries were not authorized by me. These inquiries were done without my knowledge or approval. The inquiries I did not authorize are all the inquiries from XX/XX/XXXX to XX/XX/XXXX. I reviewed all of the inquires during that time frame and I did not initiate or authorize any of them. I am attaching identity documents to this complaint.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (FL)

I was looking over my credit report and I saw this negative collection item the is drastically affecting my credit score, for something I do not recognized from a company called PRO COLLECT INC the report shows the account was open XX/XX/2017 and the original creditor was XXXX XXXX XXXX XXXX I would like this to be permanently removed from my credit report thank you for your time
Consumer complaint received 2019-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (MD)

I called my Mortgage servicer Academy Mortgage on XX/XX/XXXX to make my monthly payment and I was told they will not accept my payment because I had been delinquent for five months. I was told I had not paid my mortgage since XX/XX/2019 because they had no record of it. I Told them I had made timely payments from XXXX till XXXX and had proof which I later faxed to them. This is XXXX and there is still no resolution. I called them today XX/XX/XXXX th to find out whether this has been resolved and I was told that I will hear from them on XX/XX/XXXX which is the day their research for my payment will end.. In the mean time they are reporting my credit negative and they refuse to take any mortgage payment from me.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise credit services continue to call me to collect a debt from XXXX XXXX. After being told to not call me again. They call multiple times a day and do not identify themselves until asked where they are calling from.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (VA)

On XXXX at XXXX EST an individual attempted to send {$97.00} through Western Union using a debit card ( XXXX ) XXXX  # XXXX. Fortunately, the debit card blocked the transaction. However, Western Union failed to confirm that the name on the debit card matched the name of the individual sending the wire. 

On XX/XX/13 at XXXX I called Western Union about the transaction ( XXXX ). I was unable to speak to an agent because the automated phone system terminated the call because I didnt have the phone number of the person that fraudulently used the debit card.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I was trying to buy a car with one auto company and they used my credit in other different without me knowing they was going to pull hard inquiries throughout all the other auto companies.
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

I have 2 inquiries on credit report made by XXXX  XXXX on XX/XX/20 and XX/XX/20. I did not authorize these inquiries so therefore it is fraud. Obviously these inquiry dates are fraudulent because the dates are too close in time and that should have been looked at as fraud.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

The bank Im using is CHIME. I believe someone has gained access to my accounts and processed 55 transactions from XXXX  totaling in over XXXX dollars. These transactions I am disputing were not authorized by me and are fraudulent. Im not able to log in or reset the password. I contacted the merchant but was unsuccessful in receiving any response. I have sent chime screenshots as proof showing that my account credentials were changed. I also lost my debit card so Im not sure if they were able to access it with my card. Ive file multiple disputes with CHIME only to be denied over and over again. I need help to get my funds back because I didnt make these transactions. Please contact me with any updates of this matter at XXXX XXXX
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

We are working with Amerisave attempting to refinance our house. Currently, they are unresponsive, and refuse to return phone calls. They currently have {$500.00} of our money, and we are unable to get clarification on what documentation they still need. I can provide all of our communications, screenshots, and phone logs if needed. This company is unable to close or refinance a majority of their customers, are are relying on customers to default on their {$500.00} fee.
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX XXXX XXXX fighting for her life. I had to fly to XXXX and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to XXXX and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet.

3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Consumer complaint received 2018-02-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TX)

Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.
Consumer complaint received 2022-12-14
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. (CA)

XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear XXXX : I am writing to request an investigation of the following information that appears on my XXXX consumer report : Dispute 1 Accounts # : XXXX & XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : The account with XXXX XXXX in question is showing as settled for for less than full value, but I paid the full amount owed. Please update & remove the account now thats its paid in full. 

Enclosures : Copy of credit report with report number # XXXX & XXXX Last bill statement from XXXX XXXX Payoff Statement from XXXX XXXX Thank you for your assistance. 
Sincerely, XXXX XXXX