davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
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: Credit Central Holdings, LLC (GA)

CREDIT CENTRAL LLC & XXXX {$880.00} & {$900.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any  documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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: U.S. BANCORP (AZ)

I bought two " will call " XXXX  Tickets to be picked up & used by my indigent friends in XXXX, Az at a XXXX   XXXX serving as a station.this was on XX/XX/2018 on my US Bank credit Visa card. Last four XXXX ... .When they arrived before departure they were told the bus was running two or  more hours late out of XXXX XXXX XXXX Nv Since it was cold &  uncomfortable they asked to have their tickets rescheduled for a later time but were told that it would cost {$40.00} more CASH ONLY to reschedule, my friends had no funds & the clerk could NOT take an additional charge to my debit or charge cards. My friends could not borrow or come up with additional CASH! This whole incident is / was outrageous & unfair! The tickets were never used! I therefore have requested a dispute of the {$190.00} on my credit card ... ..the bank initially complied but the XXXX XXXX XXXX disputed my complaint! Thank you, XXXX XXXX
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Credit Corporation (VA)

Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by Avant, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXXPrincipal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to Avant is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX, XXXX ( two separate pieces of correspondence ), XXXX ; and XXXX XXXX XXXX d/b/a or on behalf of XXXX XXXX XXXX, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX : Kohls account late charge explanation and rebuttal Account # : XXXX To whom it may concern, I rarely use my Kohls card. When I do its for small purchases. This one was a shirt for XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I got the email on my statement. On XX/XX/XXXX, before I made a payment, I went in and edited my bank account information. 

I changed the account number, and clicked submit, then went in and made a payment. 


I never received an email that this payment failed. 


I was confused when on, I received another email that I had a balance, which had doubled ( which I shouldnt since I paid it ), So once again, I went in, updated my bank information, clicked submit on the edit, and made the payment. 


I logged in and checked on XX/XX/XXXX and it says you have a balance of {$0.00}. This was when I realized this takes a week to update the balance after a failed payment. I immediately called Kohls, ( the balance still said {$0.00} ), filed a complaint, and asked for a credit for my fees. ( I received no email on this nor confirmation number on my complaint, but when I called again, they had it on their record ) On XX/XX/XXXX, I did the same thing again. I logged in, changed my account, clicked submit, and made the payment. Immediately after, I called, and asked them to run my debit card to make the payment since It was going to tell me {$0.00}, and I would be charged more fees. ( see second payment on XX/XX/XXXX ). 

The bottom line is, their edit feature on their page is faulty, and because of that, my credit score dropped over XXXX points. As you can tell from my history, this is not a normal occurrence. I would like to be credited all the fees, and the late payments removed from my credit report. I would really love to close this card, but I do believe it would cause much trouble with my credit score at the moment. 

I've attached a detailed document with screenshots for the incident as well.
Consumer complaint received 2018-01-25
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. (MO)

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX/XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXX/XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX/XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX/XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX/XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX/XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX/XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX/XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

Called to request equity information for/concerning PMI cancellation. Company refused to help me/transfer me to a loan XXXX that would provide me with this information. Was put on hold for 45 minutes and then Freedom Mortgage disconnected the call. First customer service representative told me to " write a letter '' in order to get me off the phone, but could/would not answer my additional questions. Company is clearly refusing to provide me with loan information.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter via certified mail delivered on XX/XX/21 to XXXX regarding a collection being reported on my credit report asking for validation of purported debt. I did not receive a response. 

I sent a letter via certified mail delivered on XX/XX/21 asking for Equifax to delete and/or investigate the collection being reported to my credit report ( acct starting with XXXX ). 

It has now been well over XXXX  days since I initiated contact with XXXX, and over XXXX since I contacted Equifax. I did not receive any information on the outcome of this dispute, and I do not believe that an investigation was done at all.
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal foreclosure
Consumer complaint received 2020-08-03
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-14
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. (TX)

This is my complain for you to notify some information on my file that are seems to be erroneous. It is a requirement by law 605b of the FCRA to remove some inaccurate items that are fraudulent. Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. These are the following inaccurate items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00}. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00}.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX Equifax and XXXX is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.
Consumer complaint received 2023-06-23
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: Experian Information Solutions Inc. (GA)

PLEASE REMOVE THE FOLLOWING FRAUD ADDRESSES AND ACCOUNTS FROM MY CREDIT REPORT TODAY : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (LA)

They added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! 

Jefferson Capital put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA!

I request that Jefferson Capitol verify the following information.

1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.

If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.

Jefferson Capital Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (SC)

I have been a loyal customer with JCPenny and have had a store card with them for several years. Synchrony Bank is now the lender for JCPenny and I recently received a letter in the mail that my credit limit was reduced from {$1800.00} to {$100.00}. I have a perfect payment history on this credit card, I have never been late. The decision was based on several factors including : Not enough balance paid down over time on first mortgage accounts. Due to the Pandemic, my husband and I had to get hardship assistance on our mortgage. This was no fault of ours that we needed to get assistance. We were assured that this would not impact us negatively if we received hardship assistance on our mortgage. Synchrony Bank/JCPenny has made a permanent decision that impacts my credit score negatively because of temporary hardship assistance that we needed during a pandemic. Synchrony Bank/JCPenny should not have the ability to lower my limit during a pandemic based on hardship assistance that I received during a pandemic, I should not be punished permanently due to a temporary hardship that was no fault of mine. There should be a moratorium on credit limit decrease until after the pandemic.
Consumer complaint received 2019-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to transfer {$15000.00} to XXXX XXXX XXXX from Bank of America in Florida. I have been with Bank of America for 15 years. I opened an account with XXXX XXXX XXXX   XXXX XXXX. On XXXX XXXX XXXX I transferred the money on line. When the transfer asked me what bank I wanted the money to go to I typed in XXXX  XXXX  XXXX. It would not take XXXX XXXX XXXX  and instead automatically put in XXXX with me as recepient.

Every time I tried to put in XXXX XXXX XXXX it kept reinstating XXXX. I finally left it and continue transfer. I thought at that time that that it just stood for a federal bank and when you made a transfer on line it did not specify the name. I continued with the transfer and someone assisted me on line with rest of transfer. I put in the account number of my XXXX   XXXX account and also the routing number of the account. I waited 3 days for XXXX XXXX   to get the money. It never arrived. When I checked the status of the transfer at Bank of America on my account on line it showed the money was transferred to XXXX with a completely different routing number and account number. So someone at XXXX has my money in their account. The routing number I put down for transfer to XXXX was XXXX. The routing number to XXXX  is XXXX. Not even close. It was changed. Also account number changed.
Consumer complaint received 2019-01-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (NY)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. I have accounts that are reporting inaccurate and incomplete credit information on my Credit Report. I have accounts with XXXX XXXX XXXX AND XXXX XXXX That show up closed on my transunion /equifax report, yet the accounts are open last payment was XX/XX/2021 and I'm paying them i will provide a receipt in documents I have multiple name spellings and addresses on my report as well they may be relatives yet not mines XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX town XXXX XXXX XXXX XXXX ny
Consumer complaint received 2019-01-07
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. (SC)

Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-06-23
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. (TX)

XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXX BANK XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (GA)

I did not live at the following addresses and they are reporting on my credit files : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX