davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-18
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. (PA)

In XXXX of XXXX, I opened up a personal loan from XXXX for {$5000.00}. I started making monthly payment arrangements toward the loan. after a year or so, the loan was sold to XXXX XXXX XXXX. I continued to make payments with this company. after receiving notification that the account was sold. I was skeptical and started rejecting the payments. I have been contacted from several different companies that has sold and owned the account. I went to the location XXXX XXXX were the loan was originated and they had no information in their system on my social security number or any of my loan information. they then gave me a number to their corporate office. I called them and had no success. I obtained a copy of my credit report and a company by the name of XXXX was listed for the loan. I contacted them to try to settle the debt and they emailed me a settlement offer. I researched the company with the Better Business Bureau and the company is no longer in business. I recently received a copy of my credit report and the loan was just sold again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. I called the company to try to settle the debt and they denied me. all XXXX credit bureau is has stated to me that this debt should had been dropped from my credit report. each time that it is sold, the account is being re aged. any help or suggestions would be greatly appreciated.
Consumer complaint received 2017-08-18
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)

I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Consumer complaint received 2021-04-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

I went into a deferred payment in XXXX of 2020, that deferred payment plan was due to Coronavirus and the Pandemic and lasted 6 months, in XXXX of 2020, I began making my scheduled payments with them in accordance with our terms. Wells Fargo Dealer Services has since stopped reporting the account on my credit entirely. Since XXXX of last year this account has not reported on my credit. That is one full year of payments, that were made on time, that were never reported. HOW DARE THEY! They have failed to meet their obligation to report to the credit bureaus! I DEMAND JUSTICE!
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (SC)

I have tried making my payment by website and automated phone service. By phone ; the automated service won't allow me to make my payment, due to it restarting and improperly functioning. This is how I've always made my payment in the past. Upon failure to make payment by phone, I signed up for an account, online. The system, rejects the payment and told me not to try again. ( Documented with screen shots ) I have left 6 emails with the customer service link provided on their website. I have called 4 times and been left on hold anywhere between 10 minutes to over 30 minutes, trying to reach someone to talk to, with no response.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The company Credit Acceptance Corporation charged off my account in XXXX of XXXX and reported it as a charge off/ collection for 4 years. Then in XXXX of XXXX started reporting it again monthly as an open account thats 180 days late every month since then. Theyre doing just to keep my credit score suppressed which is illegal. The account was closed and had no activity, payments, anything. It shouldnt have been reported as an open account after it was closed. I have since settled this debt with the company and want the deragotory information removed from my credit report.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 I made a credit card payment to XXXX in person at their XXXX XXXX XXXX store. They sent the transaction as an electronic transfer to Bank of America referencing my check # XXXX on XX/XX/2021 which the bank paid. For some reason someone at XXXX had submitted the actual check to B of A again on XX/XX/2021. The bank paid the check again and charged me an overdraft fee ( reversed the next day after I called to complain ). The first customer service rep I talked to acknowledged that it did appear as if they had paid the same item twice, but refused to give me my money back and said it would have to be submitted to their fraud dept., which could take up to 10 days to process my refund. She said she would report it but did not. I was angry but I waited a reasonable amount of time and when nothing happened I went to my local branch. The assistant manager tried to help me but could only put me in contact with the fraud dept,, where I found out nothing had been done and I got the same run around about nothing could be done until they did an investigation ( another 10 days ). The B of A obviously made a mistake but refuses to accept any responsibility and is trying to get me to go back to XXXX ( who obviously XXXX  up too ). I don't want my money back from XXXX. B of A screwed up and should admit it and give me my money back. I can not even talk directly to XXXX as it is my wife 's account. Please try to pressure them into doing what they should already have done. Thank You XXXX XXXX.
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to XXXX XXXX was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, XXXX XXXX  and then Portfolio recovery reported the same debt at the same time. But Portfolio recovery aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. Portfolio recovery is showing it as XX/XX/XXXX in order to attempt to collect. XXXX XXXX  original negative report has since dropped off my credit history but PRA remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to Portfolio recovery and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (OH)

I am supposed to be made aware of any adverse information before being a post on my credit report. I never received information about these accounts. I never received copies of the charges/bills prior reporting the information to the credit bureau. You are collecting accounts that were not authorized. I would like to know how you guys obtained my social security information. This is a very grave violation of my rights. 
My rights as a consumer are being violated causing me to get a low credit score, affecting my chances for financial opportunities. No account number or history was attached or given ; they have my social security information, the source of these accounts is fraudulent, they tried to take money from my bank account for a membership I did n't authorize My credit score went from average to very poor. 
These accounts were reported to my credit report on XXXX, XXXX, out of no where. 


1 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$56.00} 2 ) Account Number : Not provided TRIDENT ASSET MANAGEMENT XXXX XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Balance : {$40.00}
Consumer complaint received 2021-06-24
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: CAPITAL ONE FINANCIAL CORPORATION (VT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc. (CA)

HP Sears has reported a debt that does n't belong to me to all three credit bureaus, and has failed to validate or delete the debt. I sent a certified letter by mail in XX/XX/XXXX and then again in XX/XX/XXXX and as of today they have not responded. the alleged debt was said to be opened on X/X/2017 for XXXX for services rendered at XXXX XXXX.
Consumer complaint received 2017-08-18
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. (LA)

I have been the victim of ID Theft and have a fraud account that XXXX refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On Thursday XXXX the XXXX I tried purchasing a phone and phone service at a local XXXX XXXX XXXX  store and before I could do so I had to verify my identity for credit purposes. The verification process involved me providing two forms of identification and speaking to an agent on the phone who asked me a few questions to verify my identity. After doing so I was told that the answers I had given didn't match up to the information on my credit history/credit report and therefore I would not be able to complete my purchase with XXXX XXXX XXXX until I could resolve this issue. I do not understand why or how that was even possible but need to know what steps I need to do in order to fix this so that my id verification can be verified and I do not run into this issue again.
Consumer complaint received 2020-04-18
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)

Despite informing credit bureaus several times of the case with XXXX  XXXX but I filed before this case several times regarding a fraudulent purchase whereas the dealership in the salesman himself ended up prosecuted and doing time in State prison for ID theft. Is it gainst federal regulations to continue to display negative information on my credit report once credit bureaus have been informed. XXXX  XXXX is quite aware of the incident with XXXX XXXX and the dealership supposedly sold me the car something I am still trying to wrap my head around on how it ever happened.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Dear Bureaus, I recently pulled my credit report and noticed that you were reporting against the FCRA standards. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are unclear yourself otherwise you wouldnt be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would like to resolve this before I consult with an attorney to pursue legal action. 

Account- XXXX XXXX
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (MD)

I was upset once I reviewed my XXXX XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due XXXX2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-08-18
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. (LA)

I have been the victim of ID Theft and have a fraud account that Equifax refuses to remove. They keep saying it was verified as begin correct! of course it would come back as accurate, My info was used fraudgently to open this account! This account does not belong to me as well as the following Inquires XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX Acct @ XXXX OPENED XX/XX/XXXX I have and will continue to send in police report as long as this troubling ID Theft continues.
Consumer complaint received 2022-09-08
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. (TX)

This is my NUMEROUS 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-09-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused a big stress on my life.
Consumer complaint received 2021-05-21
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: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

On Friday, XXXX, I received a call from my mortgage officer ( my wife and I are purchasing a home in XXXX ) informing me of a raised flag when pulling my credit score. Two of the three credit reporting agencies were within the range he and I projected I would be ( XXXX : XXXX ; XXXX : XXXX XXXX, but the third, XXXX  was significantly lower ( XXXX ) due to a private student loan account reporting 90+ days past due. Immediately upon learning this, I ask that he provide any information he had regarding as I was completely oblivious and unaware. After receiving the information, I contacted the Texas Higher Education Coordinating Board to inquire further why I was not made aware of the past due balance and pay the entire balance in full. The Texas Higher Education Coordinating Board informed me that though they did have my current address on file, all correspondence previously mailed to my address was returned to them from the post office ( it is important to note, I receive mail every day to this address without issue ). 

Additionally, they confirmed they did not attempt to notify me beyond the mailers, which were ultimately returned to them. Knowing this, I agreed to pay the balance in full and submitted the payment the same day ( XXXX - the same day my mortgage officer first made me aware ). I also requested the Texas Higher Education Coordinating Board remove all 'Past Due ' reports submitted to XXXX as their records reflected and confirmed I was not ever adequately notified. The Texas Higher Education Coordinating Board denied my request and refused to provide any justification or supporting evidence for their denial. 

Before ending the call, I voiced my concern about the unfair treatment I felt I received and that I would be forced to exercise my rights as a consumer submitting a claim to the Consumer Financial Protection Bureau ( CFPB ) ; their response : " go ahead. ''
Consumer complaint received 2022-12-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NJ)

on XX/XX/XXXX I received an email saying my payment was due for {$27.00} on XX/XX/XXXX On XX/XX/XXXX I received an email saying my payment was 1 day past due for {$27.00} On XX/XX/XXXX I received an email saying my account is 15 days past due for {$27.00} On XX/XX/XXXX I paid the balance in full and closed the account How do I get a 30 day late payment for something paid 15 days past the due date, at most it is a late payment fee. This should not have impacted my credit I have reached out to this company before about reporting wrong and not updating balances and they froze my account. They took almost 3 months to respond and haven't responded to my message I sent over a week ago, not even a " we received your message '' respond either I have attached all proof emails from this company
Consumer complaint received 2019-10-25
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. (PA)

They are making my XXXX the appear new as recent on my report in some of my information is wrong so my address is wrong And they're doing nothing to correct my XXXX XXXX
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Over the course of many years Navient failed to inform me of my income-driven repayment options and allowed me to continue with forebearances. This resulted in accumulating massive amounts of student debt over and above the original loan amounts.
Consumer complaint received 2017-08-21
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. (CA)

I have been paying off XXXX credit card ending XXXX last week since I am in the process of refinancing my mortgage. But credit Bureaus are not reflecting this paid off. I want credit bureaus to update my credit profile ASAP since it impacts my interest rate. I have attached the proof.
Consumer complaint received 2020-05-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (LA)

I was contacted at my job on XX/XX/2020 ... .he XXXX XXXX XXXX ) left a msg with someone to call back. I didn't get the msg so the collector called again. I advised him that I was at work and to not call me at work, I advised him to call my personal cell phone. He apologized and said that he wouldn't call my work again. The next day XX/XX/2020 he calls my work again. Same thing, I tell him that i can not talk at work and to stop calling my job, he apologizes again
Consumer complaint received 2019-10-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (GA)

At around XXXX on XX/XX/XXXX, I checked my account balance and it was at - {$.00}. I made a {$10.00} deposit into my account which brought my balance to {$9.00}. By XXXX, my account had been charged a {$34.00} late fee for a {$7.00} charge. When I spoke with the bank, they said the {$7.00} charge was at my account on the XXXX, but that charge was not on my account, nor was it pending on the XXXX. 

The bank has also said their policy is that if your account if overdrawn, if the funds are replaced by XXXX, there will be no fee, but my account did not show that it was overdrawn on the XXXX, so I had no idea there were funds that needed to be replaced. The bank processed the the {$7.00} charge, and their {$34.00} fee at the same time giving me no opportunity to rectify the account.