davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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. (CA)

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX  - ACCT # XXXX AMT {$10000.00}
Consumer complaint received 2018-07-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I have an auto loan with Citizens Bank. I was late on two payments because of extreme hardship conditions. In my 14 year credit history, I have only these two late payments. In order for me to apply for apartments or loans to get a home, as I am a single mother of XXXX  young kids, I asked them to remove/change the items on my report as a Goodwill adjustment. I called XX/XX/XXXX, and they sent me the attached letter, stating they investigated the issue ( not what I asked ), and because it is correct they can not remove the items as a goodwill gesture ( which in the case they were incorrect, this would not be a goodwill gesture, rather the legal thing to do ). They claim this is per FCRA regulations. I called the Consumer Finance Customer Service Department XX/XX/XXXX, and the gentleman put me on hold to see what he could do, then told me they can not remove late payments per FCRA law. He also told me, as did the person I spoke with XX/XX/XXXX, there was no one in any other positions I could speak to about this issue, nor was there anywhere I could send a goodwill letter to. On Citizens Bank website there is a credit repair page that even advises consumers who wish to repair their credit to contact creditors and ask for goodwill adjustments and/or write them a letter. I was a single parent, pregnant, homeless, and in a hopeless situation that I never hope to be in again. Otherwise, and in the future, I pay all my bills on time, and do not see why they will not take the time to listen to me, work with me, or even give me an opportunity to mend my issue. I paid both months that were late, including the late fees. I feel like they are not being forthcoming by using the FCRA regulations as an excuse for poor customer service.
Consumer complaint received 2021-09-21
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Citibank changed the PO Box number to send bills and my bill pay service XXXX informed last XXXX that they had received some payments back to them. I called CITIBANK and they told me, indeed, the PO Box had been shut down and gave me a new address. I sent my bills there and they went thru. One year later, CITIBANK closed my account, accusing me of MISSING PAYMENTS. I didn't. They closed their PO Box . Outrageous.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

The company LVNC Funding, LLC has never been able to verify or send valid information of this debt after several of my attempts over the past 2 years. The debt is {$920.00} with XXXX XXXX XXXX. 

Finally, I contacted them last week at XXXX to ask for an agreement in writing. This agreement from me was that, if I pay a certain amount, they will remove this debt that doesn't belong to me from my report. 
They told me that they no longer own the debt and that it was sold to XXXX XXXX XXXX, who I contacted at XXXX. 

I called XXXX XXXX XXXX to ask for this pay to delete letter and they stated that, they are not authorized to collect from the State of Florida, where I live. They said that they will send the debt back to LVNV Funding to collect from me. I called LVNV right back to explain this and they said " Oh well once we get the debt back, we will send you a notice ''. 

They have not proven that this debt belongs to me. I disputed twice and a credit repair company disputed once. It was been removed and replace on my XXXX and XXXX  reports under different collectors. I want this item removed for good. They keep shuffling it around to creditors who are not authorized to collect from me.
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (WI)

Received an email from " XXXX '' stating that I have a balance of {$7300.00} and is willing to settle for XXXX from a creditor of XXXX XXXX XXXX XXXX I have never had any dental work done, and searching the creditor shows a Kentucky business. I have only spent but a couple of hours in Kentucky at night. Email states that this is an attempt to collect a debt, but nothing about disputing the debt. I did reply same day disputing the debt ; no response has been given. I was given an account number in the email, and going to their website gives me an option to either make a payment, or to see my options. Under options, I put in the account number, as well as my own information, but their system keeps telling me that there is no matching account. Furthermore, the phone number provided in the email ( XXXX ) seems to not be a legit number XXXX XXXX XXXX XXXX ). Additionally, searching " XXXX  phone number '' gives me a phone number of XXXX, which shows a different debt collection company from XXXX. 

I have not received a letter via USPS mail, and as of the time of this complaint, have not heard back from the company. Original email is being held on to, along with my reply
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (LA)

This is also part of another complaint with case number XXXX I had a direct deposit post to my account XXXX and it's my only source of funds and navy federal is holding my funds from me XXXX was my XXXX check now I can't pay my rent and I'll be evicted.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/20 my credit cards were restricted. I called in on XX/XX/20 and spoke with employee named XXXX he advised to send in front and back copy of my authorized users ID and a copy of their social cards. XX/XX/20 I called back to confirm again what was needed with XXXX. I sent the docs in. XX/XX/20 employee XXXX called in while I was on a call and I told her I would call back nothing was discussed with her. I called back XX/XX/20 and spoke with XXXX which she advised all of my documents were verified and I only needed to resend my daughter Mi'Kala social security card. I resent that in. XX/XX/20 employee XXXX noted my account that XXXX XXXX social security card was received. I did not talk to her. XX/XX/20 I spoke with XXXX which he advised all docs were not received and I now I need to also send docs in for previous authorize users that I don't even have contact with he also verified that XXXX did note that all I needed to send was XXXX XXXX social security card but he claims she gave me inaccurate information. I requested a manager on XX/XX/20 and spoke with XXXX. I explained to her what XXXX advised me and why I can't sent the additional info in. She advised that she would figure out how she can help me and she would call me back but she never did. XXXX never called but she noted in the notes that all I needed to send in was XXXX XXXX Drivers license only which were sent in. XX/XX/20 XXXX only noted docs needed but did not specify what documents. I spoke with another supervisor on the executive response department in XXXX that gave me another list of documents that need to be sent in I explained why I couldn't send those docs and asked her to have someone over her to call me back but she never had anyone else call. XX/XX/20 I spoke with supervisor by the name of XXXX which she gave me a long list of documents that I needed to send in which many of the things she mentioned were already verified that they were received by other associates throughout this process. I'm beyond embarrassed but I explained to XXXX the authorized users that I can no longer get information for is my abusive ex husband and his family members. I can't believe Capital One would want me to open up that can of worms contacting him and his family and potentially get abused again. Every single time I spoke with someone they gave me different information than the person before them. I had 2 credit card accounts with Capital One so far they have closed one which has effected my credit score and the other one is still restricted. I have been cardholder for a very long time with this company and I have NEVER been late on either of the credit cards and normally I pay the entire balance off each month.
Consumer complaint received 2020-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I transferred money to a person on the phone, who I did not know, but sounded genuine. I did not receive the goods he promised, and I am out {$300.00}. Yea, this was a mistake. 

My wife and I have been customers with Chase for many years, and not only did they state that I had NO recourse whatsoever, the Lady I spoke with at Chase was extremely rude and her manager was the same : XXXX, unhelpful, and condescending. 

Currently, my wife and I have over {$80000.00} in our savings account with Chase, and I feel like I have no help, backing, or protection from this bank. Ive felt this way for years. 

At any chance Chase will nickel and dime me for any small fee or overdraft, but the minute I need something from them, they shut their doors. 

If this situation doesnt get rectified, I will be moving my money over to a virtual currency, and out of the banks, as the banks are too powerful, get government bailouts too often, and dont actually add protection to loyal customers.
Consumer complaint received 2018-07-18
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. (GA)

XXXX and Equifax declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ... 

You have NOT provided 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. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Consumer complaint received 2023-03-24
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. (FL)

This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2021-08-17
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: JPMORGAN CHASE & CO. (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One is limiting the amount of banking data they share with third-party applications. As this is my personal data, they should not be allowed to dictate the terms of that data sharing. I should be able to use applications and tools that enable me to live a healthy financial life -- and this shouldnt be limited to the services provided by Capital One. As such, I am submitting a complaint against Capital One because no consumer should be locked out of their own data.
Consumer complaint received 2018-07-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I attended XXXX College XXXX XXXX for my XXXX degree in XXXX XXXX, XXXX  as an out-of-state student from XXXX to XXXX. I borrowed $ XXXXyear for tuition and living expenses for four years. Upon graduation, I moved back home in XXXX XXXX, and I enrolled in an income-driven repayment plan for which I made timely payments automatically deducted from my bank acct without any missed payments. I trusted the loan servicers, Sallie Mae and Navient, thinking they were handling my federal loans correctly, but lately have become increasingly suspicious of errors or even fraudulent practices. My principal jumped up to the current amount of ~ $ XXXX when I borrowed $ XXXX. My monthly payments have been significantly increasing every year by up to {$400.00}, despite having a pretty steady income and having two babies since graduation. I did not opt for the plan that increases payments as I work. Now I am paying almost $ XXXXmonth when my take-home income has been ~ $ XXXX/month. It is difficult to support my family and impossible to save when coping with a student loan payment thats higher than my mortgage, which has an even higher principal! I called multilple times to inquire about my loan calculations, and I never got clear and straight answers. The reps always seem to be new on the job, consistently placing me on hold to ask a supervisor to answer my questions. In response to why my principal is so much higher than what I originally borrowed, they just say its because of accrued interest. And in response to why my IDR payments increased by $ XXXXyear when I just got a newborn and no change to my income, rep tells me hes not sure, but probably due to the calculations with the poverty line. I also receive yearly email notices around this time of year to renew my IDR plan by XXXX. However, whenever I try to do so, their system doesnt allow me to and reps tell me its too early to reapply until XXXX or XXXX, when its almost the end of the year. Whats the meaning of the conflicting deadlines? Ive been meaning to make a complaint or seek help reviewing my loan calculations but wasnt sure who else to turn to. Lately Ive been hearing that Navient is now under investigation for unfair practices and I genuinely feel I am a victim! Please advise. Thank you!
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MO)

I disputed on XX/XX/2018 with XXXX  about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.
Consumer complaint received 2018-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (LA)

Leased home from XXXX XXXX with co-applicant. Lease term was from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I email company my 30 day notice to vacate. I moved out of the home XX/XX/XXXX. Rent was paid with XXXX  balance for XXXX and XX/XX/XXXX. My spouse and I were divorcing so he remained in the home and I relocated. He stayed in home until XX/XX/XXXX. XXXX XXXX filed eviction and later received a judgement against me for unpaid rent and violating lease in the about of {$3400.00}. They mailed the eviction and judgement notice to the home where I had moved from 2 months prior.and I was not able to present my case along with documentation to say this eviction and judgement has been filed in error. The later sold the account to FCO- Fair Credit and outsourcing who have added an additional {$3600.00} for what they are considering contractual damages for a total of {$7100.00}.
Consumer complaint received 2018-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XX/XX/XXXX my credit score with XXXX was XXXX.XX/XX/XXXX it went down to XXXX and a day later it went down to XXXX. 
Now my Equifax scorer dropped 89 points in 2 days. 
I called a XXXX and the dropped seem to correspond. 
Now this sudden drop in Equifax. 
How are the points determined to increase or decrease. I have been trying to get an understanding how the points are determined. 
I have received my free credit reports for both, I am using XXXX XXXX. I asked them if I can put in a certain say to try and figure out what changed, I have not been successful in getting a straight answer
Consumer complaint received 2021-09-21
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2018-07-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (NY)

On XX/XX/XXXX I opened a auto loan and had to pay higher interest due to my debt to income. I was a little confused when I knew my debt to income wasn't that high. So XX/XX/XXXX I went to open a motorcycle loan up. I received a call from the credit union saying I have a excessive amount of payments I make monthly and they were uncertain I could afford the purchase I tried to make. At this point i wanted to see what was going on. After reviewing my credit report the credit union pointed out acima credit was reporting I was making almost $ 800 month payments and failed to report for several months and was breaking federal laws. I had to contact acima and wait for documents saying they made mistakes. This was a very stressful time and still effects me to this day. The balance acima has now is just interest. I paid the total purchase price. I told acima that seeing what I was put through and the fact I'm paying higher interest on my auto loan because of there mistakes that i want the account closed and I'm not paying the interest they want. I even offered to pay a little more but I felt they owed me
Consumer complaint received 2018-07-20
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: Credit Karma (NC)

So on XX/XX/2018 I get a update from credit karma stating that XXXX has been removed from my XXXX  credit file..I contacted XXXX  and they stated that XXXX stated that the account belongs to me ... I contacted XXXX  numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from XXXX and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. XXXX  keep updating with credit karma that account is remove which now they saying it was updated to change account