davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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 tried several times reaching out to experian. They have closed my complaints and just made excuses on why they could not answer my complaint.This is the third time the previous two times they have said they do not recognize the customer which does not make sense if I have provided my drivers license as well as a bank statement for proof of identity.I am being ignored from having my credit report investigated.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (OK)

I just was hit with a XXXX + debt collection for what says to be XXXX XXXX XXXX in XXXX Oklahoma. I have never lived there and currently own my home in XXXX, OK. I am in the process of obtaining a Line of credit and this will inhibit me from doing so. I am strongly inclined to seek legal compensation from damages as I may not be able to obtain financing now for this Business LOC and/or interest rates be higher as a result of a rapid credit decline due to the negligence and improper reporting. This should be removed immediately.
Consumer complaint received 2019-03-18
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Texas Guaranteed (TX)

First I do apologize for bugging CFPB in reference to this problem. I previously submitted a complaint against The Trellis Company in reference to a Student Loan from back in XXXX. I received information through CFPB, per Mr. XXXX XXXX to contact him. I contacted Mr. XXXX in which I asked him for information showing I did not ask for this forgiven loan to be repaid by me. I informed Mr. XXXX the last thing I knew about this loan it was forgiven. I also informed Mr. XXXX if something had changed no one notified me in any way. 
Per MrXXXX XXXX, he would have someone contact me and supply me with the requested information. After waiting over a month I contacted Mr. XXXX and he asked you havent received anything yet? I informed him nothing, to this day Ive yet to be notified from anyone at Trellis Company in any way. I have contacted Mr. XXXX numerous times only to be sent to his voice mail. I have left numerous voice mails messages however, he has yet to return a call or supply me with any documents. I feel this is the same reason a {$2000.00} XXXX XXXX is now over {$6000.00}, due to not being notified or communicate with. 
May I PLEASE have some assistant with this from CFPB? This information is being reported to the Credit Bureau and I'm trying to get it resolved. I can not do anything if the Trellis Company refuses to talk to me. I have been trying to resolve this for quite some time. PLEASE HELP!
Consumer complaint received 2022-11-19
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. (IN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 
The : following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX  XXXX Balance : {$41.00} XXXX  XX/XX/XXXX XXXX  XXXX Balance : {$22000.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MA)

In XX/XX/2020, Navy Federal Credit Union open checking & savings account in my name ( as well as my ex-wife ) using fraudulent information. To address this identity theft, numerous phone calls, emails, and registered mail were used to requested a copy of the application. NFCC first said it had to be requested by the police department. After that request, they then said I would need to subpoena the information. My request is simple : provide me a copy of the application so that I and local law enforcement can perhaps identify the perpetrator or, at least, how identifying information was obtained. ALSO, provide the NFCC protocol to ascertain and verify the identity of an applicant. ( I do not qualify to NFCC membership. )
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment through the capital one app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called capital one to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TN)

I have an account with XXXX XXXX. At the end of XX/XX/2017 XXXX changed their contract with their billing/credit accounts. They changed to XXXX XXXX. 

Comenity sent me a notice of the change and a copy of their new contract. I had questions about the contract, but I decided to contact them after I received my next statement from them. I did not receive a statement and they contacted me about being late on my payment. 

After a short conversation, the XXXX representative made it clear they were not going to charge me a late fee or notify the credit bureaus, and that this had happened to many other accounts and was standard with such a transition. I was appreciative, and we got the statement problem corrected. Also, I scheduled a payment to XXXX for {$410.00}. The next day I scheduled another payment for {$130.00} because this was the remaining balance and I wanted the account paid in full. 

About two weeks ago I received several emails from my credit monitoring service 's. I took a look at my credit and noticed there was a late notice on my credit report from XXXX XXXX. 

I called XXXX XXXX and spoke with a service representative. They placed me on brief hold and I was transferred to a manager. There was a language barrier, however, she was extremely nice and said as a one-time courtesy she would have that late payment removed. I was very pleased this was as easy as it was. 

The next day, I received several more notices via email that I had received more late notices on my credit report. I just assumed it was the same notice. Later in the day I did check my credit report and there were two more late payment notices from XXXX XXXX, for a total of three notices. 

I immediately called the same people at XXXX XXXX and she said she followed guidance on removing the late payment and did not know why this happened. I made an effort to explain it did not work and now it seems worse. The manager explained that I would need to use the letter XXXX XXXX was going to send me to dispute the late notices through the credit bureaus. This seemed to be more confusing, but I don't think the Bank representative knew what to do at this point. 

So, I have enclosed the bank statements that reflect my payments and the letter from XXXX XXXX. I am in the process of trying to purchase a home in Florida and my bank requires that I have NO delinquencies for past 12 months.
Consumer complaint received 2022-05-01
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: CITIBANK, N.A. (NY)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MS)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX has violated my rights. 

In accordance with the fair credit reporting act, acct # XXXX OF XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-01
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

This is a violation of the fair and accurate credit reporting act. 
This is a medical debt through XXXX XXXX XXXX XXXX that was solvd to Portfolio recovery and they refuse to change how it is listed on my report.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I thought about cashing a check through my mobile app but decided against it. They are holding my money for 60 days and have caused me a lot of problems. My kids are not receiving things because of this.. My cell phone has been turned off, car note, insurance, credit cards, loans are all late and being charged with fees for what? So Usaa can feel better about themselves? My veterans XXXX check is the only income I have.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I've contacted Capital One numerous times asking to reduce my interest rate. Even though I pay timely, pay more than the minimum, they said it was offered to me at that time. In XXXX XXXX, I had XXXX in transactions and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XXXX. XXXX XXXX in transactions ; and XXXX interest XXXX XXXX XXXX in transactions and XXXX interest XX/XX/XXXX XXXX in transactions and XXXX interest XXXX XXXX no transactions, XXXX interest XXXX XXXX no transactions XXXX interest XX/XX/XXXX no transactions, no balance, XXXX interest
Consumer complaint received 2018-02-20
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: ALLY FINANCIAL INC. (FL)

I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX XXXX  XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Consumer complaint received 2021-01-24
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. (VA)

i pull my transunion credit report and found inquires that i did not approve and i would like to know why they are there and get them remove asap here are the inquiries that i did not approve XX/XX/XXXX XXXX XXXX  ... XX/XX/XXXX XXXX XXXX  ... XXXX XX/XX/XXXX XXXX.. XX/XX/XXXX XXXX XXXX ... XX/XX/XXXX XXXX  XXXX  ... XX/XX/XXXX XXXX  ... XX/XX/XXXX XXXX  XXXX ... These are all the accounts that i did not approve anyone t run my credit report its Fraud plz remove off my credit report
Consumer complaint received 2019-03-18
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

I have a debt collection on my credit reports from Ability Recovery Services, in the amount of {$710.00}. 

This debt was transferred back to XXXX College on XX/XX/2018, where it was paid in full in two separate transactions of {$350.00} on the same date. 

Per XXXX College on XX/XX/2018 by a XXXX XXXX my debt is to no longer be with an agency, my debt was paid in full. 

I have disputed the debt to the Credit Buraus but Ability Recovery Services claims the debt is still active though I have receipts and ticket transcripts with XXXX College proving that it is not and refuses to remove the debt from my credit reports.
Consumer complaint received 2019-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

XXXX XXXX XXXX Booking : XXXX XX/XX/XXXX : I called XXXX XXXX ( tel XXXX XXXX XXXX and spoke to inquire about the refund of a {$100.00} deposit made from a closed Chase Sapphine Visa account ending in # XXXX and was informed that refund transaction was done on XX/XX/XXXX and that I should call Chase to follow up on this refund since the card that was used to make the deposit on XX/XX/XXXX is already closed but per XXXX XXXX XXXX, the refund transaction was successful ( see attached document ). 

XX/XX/XXXX : After not receiving any refund check or notification from Chase, I again called XXXX XXXX XXXX to follow up. As informed on my original call on XX/XX/XXXX, the refund transaction was already done on XX/XX/XXXX and that I should contact Chase to follow up on this refund. 

XX/XX/XXXX : I called chase XXXX. I informed the representative that a refund transaction was done by XXXX XXXX line on XX/XX/XXXX on a credit card account with Chase that has been closed since XX/XX/XXXX. Chase was able to locate my account ending on # XXXX and was told that another account would be created so that a refund check can be mailed to my address of record and that a check should be in the mail in about 6 business days. 

XX/XX/XXXX : I called Chase to follow up on the refund check since it has been over 2 weeks since I last called Chase and still no refund check. I was transferred to 5 people including a supervisor since Chase could no longer find my account and was told that I have no previous account with Chase and that my last previous account with Chase was in XXXX. 

This is very concerning as I had both the Chase Sapphire Preferred and Reserved account with Chase and have used those two credit card accounts for tens of thousands of dollars of transaction from XXXX through XXXX. I was told that I would need to go to a Chase branch to see if my account could be located. 

XX/XX/XXXX : I went to a Chase Branch in XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Driving directions XXXX The branch was also unable to locate my account. I even showed the Banker an image of my credit card that I was able to save in my phone. I was told again that there is no record of this credit card. How can there be no record of this account if I have an actual picture of the credit card. The Banker was also puzzled. 

All I ask is the refund of the {$100.00} deposit that was made on Chase Sapphire credit card ending on # XXXX that was made on XX/XX/XXXX and refunded on XX/XX/XXXX. How could 2 years of transactions with Chase all of the sudden disappear. 

Sincerely, XXXX XXXX XXXX I hereby allow my husband XXXX XXXX ( XXXX ) to be contacted for matters concerning this.
Consumer complaint received 2019-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I have been disputing this account since I first received notice from the credit bureaus that it was being reported on my credit report. On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. No matter what I request ( validation of the debt, proof of amount, or proof they are authorized to collect debt ) they simply respond with a form letter with a pen mark checking off this debt is valid and attaching a copy of a single bill. They are refusing to offer any supporting documents. Convergent Outsourcing is in full violation of the FCRA by failing to verify the account. I've requested I be sent physical proof that the account belonged to me. Instead, they've chosen to just send me a copy of a bill. This is not acceptable. A copy of a bill or a statement of monies due does not constitute verification or validation of debt. FCRA states there must be a tangible contract provided to me upon my request that bears my signature, showing that I am responsible for the account. Without that, there is no contract, no valid claim. If validation can not be established, I respectfully request Convergent Outsourcing remove all active, inaccurate, derogatory reporting from the credit bureaus and cease any efforts to re-report the debt through illegal practices in the future.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA (NY)

Car loan via Hyaundai Motor Finance was paid in full on XX/XX/XXXX. It was then processed and a lein release was mailed XX/XX/XXXX and received by XX/XX/XXXX. However a title was never mailed to my residence. I have contacted Hyaundai motor finance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response. The original title to my vehicle has no been mailed and is preventing my car from having current registration which can result in legal action.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (GA)

XXXX XX/XX/2022 I received a bill via email for a amount due of XXXX nothing stated the payment was past due or.no other email was sent saying my account was past due I saw it from XXXX my payment was last do to covid declared lack of hours I never had a miss payment for them. I called the company but was informed that they can not do anything unless if it was an error on their end.
Consumer complaint received 2019-03-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

Recently, I purchased used car from XXXX XXXX in XXXX, TX.I went in originally wanting to purchase a used XXXX XXXX XXXX. However, they had already sold the car prior to my knowledge before I arrived at the dealership. So I ended up purchasing a XXXX XXXX for the XXXX. I was not aware until after I signed the documents and had a lawyer go over them that I was basically robbed blind. What this company did to me was illegal and unethical. They are charging me {$12000.00} to finance this car. Take note, I put down {$4000.00} on the car. So in total I'll be paying almost half of what the car is worth ( {$26000.00} ) after the 72 months is over. I feel completely robbed and felt that I was an easy target. I'm not sure what I can do to resolve this matter but something needs to be done.