davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (MS)

Hi I recently had my credit pull only to find out i have been a victim of identity theft. Someone used my name and personal information to open up a XXXX XXXX credit card that i did not authorize them to do. I file a police report and also file with federal trade commission sent police report and letter from trade commission to XXXX XXXX and Equifax. I received my first letter back from XXXX XXXX XXXX stating the account was open Fraudulently and they would correct my report with all three bureaus only to fine out they are still reporting negative inaccurate and fraudulent activities on my account. They have police report and letter from federal trade commission explaining my right under FCA Act. This is continuing to damage my credit and not allowing me to provide for my family and it causing me a great deal of stress. Please help
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-12
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. (GA)

I was never late on these accounts. Please provide physical proof of late payment for the following accounts : Dept of Education/ XXXX  # XXXX ; XXXX Please provide method of verification of late payment with physical proof.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (FL)

On XX/XX/XXXX I sent a debt validation to this company to dispute an account they stated I owned them. On XX/XX/XXXX I sent a dispute to the credit bureau regarding this account. On XX/XX/XXXX they replied verifying this account as verified. 

In between periods, this company violated the FCRA ... As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They never reporting to the credit bureaus this account was in dispute. And tried to collect without sent the debt validation requested.
Consumer complaint received 2020-07-28
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. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-03
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. (AZ)

I co-signed a loan for a fellow student in XX/XX/XXXX.

He had several loans with co-signers before this loan.

By XX/XX/XXXX, I was notified I was responsible for his loan payment, after it was in default for several months. 
I have been paying this loan on and off, as instructed, but since XX/XX/XXXX I  have been paying it consistently through Navient. I have made requests to Navient to be released several times. They tell me only the borrower can release me. 
I located the original borrower, and went to his house this past year, he informed me he had applied for loan dismissal - since he claimed bankruptcy due to XXXX in XX/XX/XXXX. 
He also said, all the co-signers except me, were released from their obligation in that bankruptcy court decision. 
He reports he continued to fight for my release, but had no success. 
I am requesting a review of these events. 
The borrower has been helping me to exhaust all avenues to release me from this obligation. Can you please help me.?
Consumer complaint received 2018-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The date that shows when the bankruptcy was filed is showing XX/XX/2012. This date is incorrect the date that my bankruptcy was file is XX/XX/2012. Case # XXXX Also the credit reporting agency says they verified the account, but did not disclose how they verified the account and who they used to verified the accuracy of the account.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am in the process of obtaining approval for an SBA loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: OLD NATIONAL BANCORP (IN)

XX/XX/2022 my business bank account was closed for no reason at Old Nation Bank. 
I asked why and XXXX XXXX, XXXX XXXX who is the manager would not give me an answer to why. My account was not abuse or in negative or anything.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

Aspire Servicing Center told me and also reflects that I have zero interest on my two loans I have remaining with them yet every month after I make payments, my balances go up. Why does my balance go up if they say and show I don't owe any interest? I have had these loans for a very long time including during a bankruptcy period in which I was told I did not have to pay on them. After that bankruptcy period ended, I called to get back on track. They kept me in a defaulted status the entire time hurting my credit as well as building amounts owed. Finally I work out a plan with zero interest to pay every month and my balances are still going up after every payment. This is what is wrong with these student loan companies! You should not be allowed to say and display one thing on your account website then charge in the background. This is not ok.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2022 at XXXX p.m. I received a text from Chase Bank stating " JPMORGAN CHASE fraud Dept. Did you attempt a {$5000.00} XXXX- Transfer? Reply YES/NO/HELP Don't want fraud text? Reply REMOVE In which I responded " no '' and then I received " Glad that wasn't you! The transfer is currently pending, a JPMORGAN CHASE Bank representative may reach out to you shortly '' Approximately 5 minutes later I received a call from Chase. The gentleman stated he was calling from chase fraud dept and gave me an agent id. He proceeded to tell me someone had requested a XXXX transfer of {$5000.00}. After I told him I did not request XXXX Transfer he proceeded to tell me that I need to reverse the charges from XXXX to send the {$5000.00} back to me. He requested that I transfer {$1600.00} from one account knowing exactly how much was in that account. He then proceeds to tell me that I needed to transfer {$3300.00} from the account that had {$6600.00}. It was as if he could see my account and how much money was in the account as the numbers, he was stating matched what I was seeing. He did try to get me to transfer more but I had reached my daily allowance in withdrawals. After hanging up with him I received another text from Chase stating the same as above then followed by another call from the gentleman telling me to disregard the text further leading me to believe it was Chase calling me. A little later I proceeded to call Chase because I did not feel good about things. Chase did file a fraud report. The next day I received another text from Chase stating the same thing as above. 
It was then followed by a phone call. I did contact Chase to let them know someone was trying to get me to XXXX more money but they were not concerned about it. The following day I received another text, followed by a call and again Chase was not concerned
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (IN)

I am writing to formally complain against XXXX for selling my personal information without my knowledge or consent. On XX/XX/2024, I discovered that XXXX disclosed my sensitive information to third parties without my explicit permission. 

This unauthorized sale of my data has not only violated my privacy rights but has also exposed me to potential risks of identity theft and fraud. I have made numerous attempts to contact Caine and Weiner Company to address this issue, but have not received a satisfactory resolution.

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against XXXX  and The Caine and Weiner for their unethical and unlawful practices. I also urge the CFPB to ensure that my personal information is protected and that strict measures are implemented to prevent such incidents. 

I have attached relevant documents and evidence to support my complaint. Please feel free to contact me at XXXX for any further information or clarification. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-17
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2018-10-15
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. (TN)

Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of 1st delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
Consumer complaint received 2022-02-17
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. (NC)

On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.
Consumer complaint received 2020-07-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

A debt in the amount of {$69.00} showed up on my credit report. The debt is for Caine Wiener # XXXX. The telephone number listed is XXXX i called this creditor on XX/XX/XXXX and spoke to someone with the initials of XXXX.. The individual would not provide me with a name. I called to inquire about the debt listed on my credit report and the person would not give me further information in order to validate the original debt from 2016. The only information he would give is that the original debt was for XXXX XXXX XXXX. I asked for an invoice to validate the debt and he could not provide that but said i should contact XXXX XXXX XXXX. I have never once received any communication on a balance owed to XXXX so I can not pay this balance. I don't even know if this debt collection agency is legitimate, even though the agent says it is. How can I be certain? I called back on XX/XX/XXXX and spoke to a lady with XXXX XXXX She refused to give me her full name. Again, this company does not seem legitimate and makes me feel like they are trying to scam me out of money. Other than this collection, my credit is impeccable but this seemingly false debt is tarnishing my credit rating.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I opened this high yield money market account because they had some great rates. I never had a problem accessing the account online until I was married in XX/XX/2013. It took about two years for them to actually process paperwork to change my name on the account. When that was finally accomplished, I could no longer sign on to online banking. 
I have called, faxed and e-mailed identifying and supporting documents so many times I can't even begin to estimate how many. Now, I have an account that I opened online ; I can't access the funds ; and Capital One will not allow me to close - without coming into a branch office. The nearest branch office to me is about a nine ( 9 ) hour drive away. 
I've spoken to supervisors who promised to call back the next day, but I never get any calls back. I've tried the forgotten password options, even with them walking me through the process. They promise to check into the issue further and call me back, but they never call back. 
I have worked in XXXX for 24 years, and I have never seen such incompetence. Again, I can't sign in to online banking to view my account, make transactions, get a statement, or for anything else. They will not even let me close the account by sending documents - I have faxed a marriage license, a drivers ' license, a concealed handgun carry license, and my social security card. I have offered to send whatever they want. 
Over the last five years, I have changed jobs and moved. I can't even change my address with Capital One Bank. I also had an automatic transfer set up to pull from my old bank into this Capital One account. I can't sign in to stop the transfer ; and I have to drive an hour to put money in that account, just so Capital One Bank can continue to draw it out.

Capital One Bank is holding my money with no right to do so.

I am tired of fighting with them to get my money. I have threatened to lodge a complaint for five years - I'm finally at the end of my rope with these people.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

I mailed Synchrony Bank / XXXX XXXX XXXX an FTC Identity Theft Report on XX/XX/2018 and received a letter back from them denying my fraud claim due to " Customer benefited from use of card/participated in the purchases ''. I did not make any purchases from Synchrony XXXX XXXX XXXX XXXX. Why haven't I received a detailed investigation? I received one single sheet of paper denying my fraud claim without a proper investigation. 
An address was listed on this account that has not or ever been my home address. I am demanding a proper investigation and demand a detailed investigation be mailed to me.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one is refusing to increase my credit limits By request or automatically I have been with with this company for several years I requested for them to do a manual overlook of my credit and they refuse they say they use a automatic system to which is computerized and its always generating a negative number for my credit I have pay several things off of my credit and I have lowered my XXXX by 65 % Capital one is definitely unfair to their consumers when it comes to a credit line increase I have a plied for new cards that they offer and I always decline me sometimes I feel like this is a form of discrimination
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, hello. 

There are 2 regular credit inquiries that have been incorrectly reported and are reflected on my TransUnion Credit Report ( File Number : XXXX | Date : XX/XX/XXXX ) that I DO NOT recognize : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have already previously contacted XXXX XXXX ( XXXX ) and spoke with at least 2 associates from both product departments ( XXXX XXXX XXXX ) on ( XX/XX/XXXX ) advising that I am not aware of these product inquiries, that the information is being incorrectly reported, and requested them both to be removed but they are still being falsely reported on my TransUnion Credit File. I recently contacted TransUnion, LLC 's Fraud Department ( XXXX ) again, today ( XX/XX/XXXX XXXX XXXX  CST ) spoke with a Fraud Department Specialist who advised this step needed to be completed in order for them to remove the incorrect inquiries being reported in their system. 

I would like assistance in getting this incorrect information deleted and removed from my TransUnion Credit Report, promptly to avoid inaccuracies being reported on my profile. Thank you, kindly, for your time and attention regarding this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (VA)

I am a service member and was victim of identity theft which hindered me from making my XXXX mortgage payment on time. I have explained my situation to the Truist bank, filed a police report and even sent it to the bank and they are still refusing to remove the negative mark on my credit report. I also sent the fraud documentation from my bank and made a few claims, but Truist is still refusing to coorporate. I may be deploying soon and attempting to make a big purchase, but this incident is affecting me doing so. 

Mortgage XXXX
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

I am trying to link my account with XXXX to be able to. Pay my rent online, the landlord also uses Pnc, it says Pnc doesn't allow this yo happen forcing me to use a debit or credit card and pay over 2 % in fees, this is ridiculous
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore the debt has not been validated, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2018-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I spent the last 10 years working for the XXXX XXXX, XXXX XXXX and making on time payments to my loan. When I called to find out about my loans be absolved because of that reason I was told that my loan wasn't the right type of loan. That's how I was left. They redid my loan payments but that's all. 

Extremely frustrating and unfair that I wasn't told that 10 years ago.