davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The company ( XXXX ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the Transunion report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. XXXX was notified about this issue in early XX/XX/XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the XXXX letter, and a copy of the Transunion report.
Consumer complaint received 2018-01-03
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (DE)

The company ( Chase ) agreed to correct the incorrect late reporting ; however, the late payment is still reflected on the XXXX report, and affected my current refinance because my score was slightly too low for the lender 's credit of over {$400.00}. Chase was notified about this issue in early XXXX, and has still not corrected the problem. Please see the attached evidence, which is a copy of the Chase letter, and a copy of the XXXX report.
Consumer complaint received 2021-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

Columbia Debt Recovery LLC is trying to collect a debt that is not owned by me.The old apartment sent me a wrong bill of {$300.00} dog XXXX  cleaning fee ( which is for a different apartment building ) a couple of months after I moved out. Columbia Debt Recovery LLC tried to collect this debt ( {$300.00} ). I have sent several emails to explain that it is for a wrong apartment ( XXXX ) and my apartment number was XXXX. However, Columbia Debt Recovery LLC told me that they will only remove the record if I pay {$180.00}. Otherwise, they will continue to report it to credit agency even through they know the bill was not for me. In 2021, they sent the report to the credit agency every month even after I sent them the proof of the wrong bill. They told me that I have to pay to clean my record because they need to make a living,
Consumer complaint received 2018-01-03
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. (KY)

My credit score dropped 89 points in two weeks with no changes to my credit report, I contacted XXXX XXXX  and XXXX XXXX through XXXX XXXX and both advised it was a transunion issue. I contacted transunion and they advised that what the two services were reporting was completely wrong and much lower than what my credit score actually was. So, I went online and purchased services through transunion to find out they had in fact droped my credit score 89 points with absolutely no negative changes. I am completely mystified at how credit bureaus can do this to people without any good reason. Our credit bureau system is broken, disputes never get resolved, information is continually incorrect, items that are older than the allowed are still on the credit report even after disputing them. Something needs to be done. They blatantly lied to me on two separate conversations to get me to spend money to buy my score all to find out they were one, lying and secondly actually did drop my score with no changes to my report.
Consumer complaint received 2017-09-13
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. (AZ)

I was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, Experion, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2024-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXXXXXX  I attempted to make a cash deposit into an ATM machine at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX after inserting XXXX {$50.00} bills and XXXX {$20.00} bills totaling {$360.00} The machine returned XXXX of the {$50.00} bills after I reinserted the {$50.00} bill the machine shut down and spread out a receipt stating we encountered the problem returning your cash. Please contact your financial institution after I received the receipt I walked into the branch and spoke with a clerk and told me that I would have to call my bank to get it fixed while I was leaving two ladies exited the bank and opened up the ATM machine to clear the jam, I asked if I could get my cash when they do that and they said they were not allowed to so after leaving the bank I contacted Navy Federal credit union about the dispute and gave them the amount the types of bills, the ATM number and time, and was told to check back the following week for an update, so I contacted them that following Tuesday and they notified me that they submitted a claim in the amount of {$1100.00} I immediately told them that that was incorrect and they said that they would fix it after a week a provisional credit was put into my account in the amount of {$1100.00} which happen to be deposited on XX/XX/XXXX, so I can only assume that they did a typo after a Navy Federal with XXXX, the entire amount of the provisional credit and stated that they can not find any errors so I contacted XXXX XXXX XXXX XXXX to ask what was going on and was told Navy Federal would not resubmit the claim in the proper amount after contacting Navy Federal again on this matter, they asked if I can resubmit the claim and writing which I did on XX/XX/XXXX and for some reason Navy Federal drop the ball again and did not file the claim after I resubmitted it countless calls and waiting on hold with Navy Federal was able to have them resubmit the claim in mid XX/XX/XXXX on XX/XX/XXXX I received a phone call from Navy Federal credit Union, stating that the new claim was denied after asking details on that I found out that they did not even submit the copy of the receipt that I sent them, and was basically told that there was no errors through the ATM owner I have even spoke with the CEO of XXXX XXXX XXXX XXXX and she even said that she saw where the deposit was put into the ATM in the machine messed up so if you there is anyway that you can help me resolve the situation, it would be much appreciated. Thank you.
Consumer complaint received 2022-01-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX-2021, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.
Consumer complaint received 2021-09-09
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: EQUIFAX, INC. (MI)

I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Despite many requests XXXX XXXX XXXX refuses to discontinue reporting in accurate information caused by ID theft in the closure of a credit card to Experian and other CRAs. 

When my credit card was ran up I made the request to issue another one and although the balance was still paid by myself on the first card it reports as maxed and that I have to open accounts which is not the case since I only have one. This of course causes a huge drop in my credit score and both parties seem to have refuse to correct it
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, XXXX XXXX
Consumer complaint received 2017-07-12
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)

Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
Consumer complaint received 2023-01-28
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)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I have contacted this company numerous times regarding my account. The company is reporting my account late 30 days in XX/XX/XXXX when they had an issue with their payments systems. The company is also reporting me late 60 days when the company failed to updated my address and I did n't receive statements I have tried everything to make the company make accurate statements to the bureaus and fix my account but they just wo n't comply with the fair credit reporting act. I have filed legal proceedings against the company and hopes that we can resolve this matter. I 'm out of money because of the companies unwillingness to correct errors. Customers should n't have to take this route because of the companies unlawful behavior.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (VA)

This is a formal complaint against Truist Bank. Truist has the worst customer service that I have ever experienced. It is next to impossible to reach them. The hold times were over 2 hours from XX/XX/XXXX to XX/XX/XXXX. The Fax number is always busy and not useable. The bank does not have an e-mail system. Local Banker in VA hung up on me during a telephone conversation. My loan account was immediately closed when I intentionally left an {$18.00} balance. I wanted to keep the small balance in order to trade my vehicle to a dealer so that my title would not get held up. The dealer was going to do the final payoff. My payments have always been ACH transfers. All of the payments were posted to my account immediately. Truist is not releasing my title electronically even though they have the payment, zeroed out, and closed my account. I have never had a bank pay off any loan. This is a Red flag to me. Are they going to send me a bill 6 months from now with interest and penalties. The bank will not provide me with a lien release letter or promptly release my title.
Consumer complaint received 2018-01-02
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. (GA)

I have asked Experian on numerous occasions to investigate inaccurate information on my credit report. There are reporting erroneous and inaccurate information for the following accounts. I have requested to know how the reinvestigation of my 4 disputes were verified ( Bankruptcy, Charge off from XXXX XXXX, Closed Account from XXXX XXXX University, and 30-60 day  late payment from XXXX ). They have failed to provide me with this infoelation. They just keep sending notice saying the account remains. I am going to file suit against Experian for failing to verify accounts that I am disputing.
Consumer complaint received 2022-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Navient emailed me " let 's get on track. Payment is due. '' on XX/XX/2022. This is inaccurate. They told me I need to call them and reach out about making a payment on my account. Federal Student Loan repayment re-starts in XXXX. So why are they emailing me and making me think I need to start paying them now and that I am already late?
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STERLING JEWELERS, INC. (NC)

In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.
Consumer complaint received 2021-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection
Consumer complaint received 2017-07-12
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: Innovis (ME)

Disputed item regards to XXXX XXXX XXXX, previously, in regards to alleged date of first delinquency. XXXX mailed letter, dated XX/XX/XXXX, stating this. According to Innovis credit report, dated XX/XX/XXXX, the item is reporting delinquency as early as XX/XX/XXXX, which contradicts XXXX 's statement. This is a blatant violation of FCRA guidelines.
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (NJ)

On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report.
Consumer complaint received 2017-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

I was assessed an annual fee of {$160.00} by American Express for my credit card on XX/XX/XXXX. This fee is valid for charges fromXX/XX/XXXXto XX/XX/XXXX. I cancelled this card on XX/XX/XXXX and requested a partial refund ( 11 months XXXX of the fee. American Express refused to refund the fee and said that I had to request the refund within 30 days of the assessed annual fee. That means that they are charging me for a service that I am not receiving. Is this legal? I asked them to refund {$140.00} which shows a reduction from the {$160.00} for the month of XXXX. I would like them to refund {$140.00}. I have documentation of our discussion.
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

My son graduated from college this past  XXXX . Before he graduated, we called  Nelnet   (  his loan service provider ), and asked when interest on his loans would begin to accrue.  Nelnet  told us that interest was deferred for 6 months from his graduation date. Then shortly after he graduated, we again reached out to Nelnet, this time via a recorded chat and asked the same question - and were told the same answer. Mind you, we still have the recorded chat to refer to. Today, we received an email with a new statement attached, so we logged-in just to confirm all looked status quo. Much to our surprise, the distribution from his freshman year showed accrued interest. Upon calling  Nelnet  and speaking to an " Account  Manager  '' in addition to a front line phone person, we were told that his freshman year distribution was during the time period when  Congress  had repealed the " grace interest subsidy ' ' (  XX/XX/XXXX  - XX/XX/XXXX )  so interest began accruing the day he graduated and would continue to accrue until paid in full. How is it that the two initial people we spoke to at  Nelnet  via phone and live chat, did n't seem to know this? We, of course would have paid off the freshman year distribution then back in  XXXX , and not waited so interest was accruing. Additionally, Nelnet spoke to us on the phone like we had not done our research, nor were they willing to do anything for us. This is wrong in so many ways!!!
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX. I signed a reaffirmation that same month and the copies were sent to Wells Fargo Dealer Services. Wells Fargo requested the documents with the wet signatures from my attorney, XXXX XXXX. They were sent inXX/XX/XXXX and were received by Wells Fargo. My bankruptcy was discharged in XXXX XXXX and I began to check my credit report for accuracy. I disputed my Wells Fargo account because it showed that it was closed. I did this twice and both times, nothing was updated. I called Wells Fargo in XXXX and they informed me they never received the wet signatures, so the loan was included in the bankruptcy. I immediately contacted my attorney who did some research and according to XX/XX/XXXXthey did receive the wet signatures, but someone ( it 's not listed who ) determined the documents were not the originals and did not have the wet signatures. My attorney is requesting the documents be sent back to us to prove they are not wet signatures, but I am lodging this complaint as well as I believe my attorney did send the correct documents and we need to know who decided it that the docs were not originals. I pay on my car every month and I should have my credit report reflecting the information correctly.