davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (GA)

I have a fairly new checking account with Suntrust bank. The set up the majority of my bills through their bill pay option. Because at least one if not two direct deposits enter my account every Thursday, I set up an recurring bill pay option for the funds to be issued on each Thursday or the following Friday. Through recent investigation i have found that several checks have been posted prior to the date of my enrolling of bills pay. 
check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 i contacted the bill pay department with suntrust and the representative completely agreed with what i was describing as an error. She stated that the funds would be returned to me as soon as she confirmed with her supervisor. When she came back to the phone, her entire demeanor changed and she told me that she was sorry there was nothing that she could do. I then called the bank to speak with a manager. I explained to the lady of the phone the scenario in which her reply was " If you don't like the way that the bill pay works, don't use it and pay your bills yourself. '' I can provide additional disturbing information about that particular phone conversation if needed. I then asked to speak with the manager. I was informed that she was unavailable at the time and my name and number was taken for a call back. I was on a conference call my my own job when the manager returned my call a few hours later. I called back within 20 minutes of her leaving a voicemail ; however, I was still unable to make contact with her. I again left a message for a return phone call, but I have yet to receive a response.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

My name is XXXX XXXX a federally protected consumer. I am making a complaint against Experian, XXXX, and XXXX for committing identity theft. I never gave Experian, XXXX, nor XXXX, any permission to use any of my identifying information to furnish my consumer report. On this date XX/XX/2022, I certified a mail letter of validation to each credit reporting agency. As of ( XX/XX/2022 ), I have not received any documentary evidence, such as a trilateral contract, giving each of the bureau Experian, XXXX, nor XXXX consent to furnish this information on my consumer report. 

Please see attachments
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Nelnet, Inc. (GA)

I have a loan with NELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and NELNET with no successful resolution.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXX XXXX  to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXX XXXX  refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (IL)

I am unable to connect to other banking applications. I talked to the bank about it and what they blamed the application I was connecting to. But I have had the same issue with different applications and I receive the same message back. It says that my bank made a change that does not allow me to connect. If that is the case they never asked for my authorization to do it. 
Thanks I hope you help me solve this problem.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

Please see attached files I have reported numerous accounts, addresses and public records on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have a bankruptcy on my credit report reporting incorrectly. I have attached a letter regarding my request. Please either verify this public record, or, if it can not verified, remove this account from my credit report as by my right afforded to me under the FCRA
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Hi, i opened both a savings and checking account with Golden 1 Credit Union back in 2020. And was issued an ATM card that i used connected to my account. The last time i had used my ATM was on XXXX XXXX, XXXX. ( It was a Friday. ) At which time i had withdrawn {$200.00}. Leaving my account balance at {$350.00}. Then on that following Monday I had discovered via the mobile app that my balance was now at {$6200.00}. Unsure of the funds deposited I had called Golden 1 to inquire about my findings. I was told that I had numerous transactions on that date and discovered that I did not have my ATM on me. The employee helping me over the phone was a woman and unfortunately i did not get her name. She had advised me that I needed to file a claim on my account. And was reassured that she was able to file the claim for me as we spoke over the phone without having to go in person to the nearest branch. It is important to note that the employee had also told me that she had not ever filed a claim with a deposit transaction so i was placed on hold as she learned how to submit my claim on her end. Appeased i obliged and answered all questions asked of me. To my dismay it would take a few days and in the meantime I was unable to access any funds. So I waited. Since that time, I have NEVER had my balance corrected. And to date they have closed my account leaving me with a negative balance and forwarded me to collections. I am now in XXXX and can not open another account in any other bank. I ended up having to file 2-3 more claims within my account to try and get me back to my original amount of {$350.00} because apparently the first original claim filed was not done correctly nor were the subsequent claims filed after trying to fix the negative amounts left from their inability to correctly file my claims. Did that make sense? I have spoken to numerous employees via phone and in person from both customer service and the fraud department. And have sent several emails requesting management handle my situation and correct my account. They also kept several direct deposits of mine to pay back whatever negative amount was still showing up in my account at the time. Both my stimulus check of {$1400.00} and tax return of {$560.00} totaling to {$1900.00}. And of course the {$350.00} that i had in my account when i had last used my ATM. From beginning to end i have been cooperative and patient with them. Only voicing fustration via email. I have had several conversations with employees that made me feel like I was losing my mind for it was noted in my account that i was already told of the reason why my account was not in good standing. I did lose both my mother and grandmother last year and all of this did start at the beginning of Covid well. But it does not dismiss the fact that I have been wrongly handled by Golden 1.
Consumer complaint received 2020-11-06
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. (CT)

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to XXXX  XXXX  and equifax and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Consumer complaint received 2018-12-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (KY)

Hi, I am constantly being harassed by a company called Credit Bureau Systems. This company keeps sending me bills saying I owe medical debt, they've even placed a {$55.00} charge on my credit reports. Since I am on XXXX and have told this company they continue to send me letters and make phone calls about this supposed debt. I have never had any dealings with the above mentioned company and In no way do I owe them anything. Since this company continually sends me letters and continues to harass me by phone knowing I am on XXXX they are leaving me no choice but to obtain legal advice which is something I can't afford. This company needs to remove all information about me from there records and remove the negative reporting to the credit reporting agencies.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my Navient account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Last year I was working with someone who was supposed to fix my credit they have pictures of my social my license bills. After reviewing my own credit I notice inquires on my credit report that I have not inquired about. When I put my dispute in to transunion XXXX and XXXX and to the company reporting this false information they say it is accurate. But they dont send documents showing it was really me. It is easy to apply for credit but to my understanding I had credit lock on my file and any card I applied for and received I had to send in my I D card. Any inquiry without my valid I d card on file has to be fraudulent. I feel they are breaking the law of course someone can write some of my correct identity in thats why its called identity theft
Consumer complaint received 2018-12-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Throughout the life of the loan I've already used all my forbearance options ( Navient only gave me hardship options ) and only have the option to pay the full amount or try to refinance. I have tried on several occasions to talk to them about income based or any other options and I've been told " we dont have any other options, you must pay the full amount. '' I feel this is wrong as every other student loan servicer gives you the options.
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

Convergent Outsourcing, Inc. have been harassing me about a debt that I do not owe via telephone and mail. i have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (VA)

Hello, Reference case XXXX. I have new information. 

NFCU has no respects for your agency and even less for a consumer like me. I submitted case above on XXXX XX/XX/2020. When the systems said NFCU was still looking into it. I took it as truth and waited. 

NFCU had already made their decision XXXX XX/XX/2020 which I wrote a response to their decision on XXXX XX/XX/2020, before I filled the complaint. See attachment 'Letter to NFCU. 

On XXXX XX/XX/2020, I inquiry on the status of the dispute. See attachment 'NFCU response ' screen capture from their messaging system. They don't allow things printed from their messaging system. They have made up their mind but have not updated your system. They have made up their mind back in XXXX XX/XX/2020. 

NFCU has collected money for a merchant who charged me for things to this day I do not have. The proof the merchant provided to NFCU was an invoice for items not sent to me but an address I don't know and signed by someone I don't know. I never authorized it sent there nor received by this person. Yet, this bank thinks that it should collect money for this merchant and have me pay for it. 

V/r,
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: American Location Specialists (LA)

1 message was left on Monday, XX/XX/XXXX, on my phone. Another message was left Tuesday, XX/XX/XXXX, on my mothers phone. That same day, my phone was called, my daughters phone was called, my fathers phone was called and my job was called. The representative that called my job, told my coworker that I left that number as a contact. That was a lie! I called back and spoke with XXXX XXXX who identified himself as the other representatives supervisor. I told him I had no idea of what he was talking about. He said it was a debt I stop paying in XXXX. I told him I still did not know what he was talking about. He said he was going to file a judgement against me if I did not make a payment on that day. He gave me payment options and I told him I would have to call him back because I had no idea of what he was talking about. He called my job again today, XX/XX/XXXX, and told my coworker that I told him he could call me at that number. That is a lie! I did not give anyone authorization to contact me at my place of employment nor did I give permission for my ENTIRE family to be contacted. I do not know who these people are and they could cause me to lose my job. He called my phone 3 times, back to back today, XX/XX/XXXX. I want to report the lies and the constant phone calls.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2023-03-09
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)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXXXXXX 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 XXXXXXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX has violated my rights. 

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
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP (DE)

The company Capital Management is collecting on behalf of XXXX XXXX, and has been calling my phone repeatedly back to back. On XX/XX/18 the company called my phone three times back to back at XXXX, XXXX, and again at XXXX. I contacted them after the third back to back calls, and advised them that these calls are considered harassment and is violating the FDCPA Act.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (IL)

I want you to remove the following inquiries as these are violating the FCRA 605B of the U.S. Code 1681C-2
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is reporting a debt on my credit file I do not owe. My vehicle was damaged in a natural disaster, so the insurance, XXXX should have taken care of the debt as part of the disaster, and should be covered under that. I spoke with Capital One and they advised me not to make any more payments due to it being covered. They are reporting this debt as a repo and it shouldn't. This is in clear violation and needs to be fixed.