davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX XXXX XXXX, am a victim of identity theft. I did not consent to, authorize, or benefit from the following accounts/inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a copy of my FTC Identity Theft report. I also have multiple addresses, names and employers on my consumer report that may be due to association with said fraudulent accounts. Please remove that false information as well.

Also attached below are copies of my drivers license, social security card and recent utility bill with my current address. I have also mailed each of the major 3 Consumer Reporting Agencies via certified mail on this matter. 
I fully authorize the CRAs and I am not an unauthorized third party.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

According to 605B, it is essential to swiftly remove this account. I am genuinely displeased that it has been included in my credit record, hence I kindly plead with you to erase this account, as it is not mine.
Consumer complaint received 2020-07-10
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: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens One bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.
Consumer complaint received 2019-02-20
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX XXXX XXXX in XX/XX/2018. I disputed this fraudulent account with this company and never received any sort of results from the bureaus. I sent them over the fraud affidavit packet and it as still not removed from my report. It has been over 45 days. This is not ok for them to report inaccurate information that does not belong to me. I did not open or authorize this account, and I therefore request that it be closed immediately and removed from my consumer report. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2019-02-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. ()

Initially, when the loans were open, I was protected under the SCRA, even though Citi on multiple occasions kept placing my loans in payment and default status. Generally, when this occurred I'd contact them, and they'd request a letter from my commander confirming my military status, and that would be the end of the case. However, when I went into the United States XXXX XXXX and continued to go to school, Citi on several occasions refused to place my loans in an in-school deferment status which negatively affected my credit ratings from all three credit reporting agencies. Over the past few months, I have been trying to get in contact with Citi Bank Student Loans. However, Citi Bank no longer has a student loan division due to it being sold to XXXX. XXXX does not hold my loans because Citi still holds my loans but the number that they provide is invalid. Email request to Citi either goes unanswered or referred to XXXX. No one can give any information on the loans ; however, they continue to update on my three credit reports as closed with a balance of {$9500.00} ( originally {$6000.00} ). I also was attempting to contact Citi to request a Student Loan Discharge due to me being a XXXX XXXX XXXX  Veteran. The United States Department of Education has already discharged my Federal Student Loans. 

Information on Credit Report : Opened : XX/XX/XXXX Closed : XX/XX/XXXX Account status : Closed Remarks : Collections Account - Placed for Collections
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (VT)

At the end of XX/XX/XXXX I requested a balance transfer of {$1900.00} from XXXX XXXX XXXX  ( XXXX ) to Paypal Credit ( Synchrony Bank ). I repeatedly checked for an email response. The offer of a no-fee transfer expired XX/XX/XXXX, so I tried again. Both transfers were processed by XXXX even though it exceeded my credit limit. I had assumed that they would not allow that to happen. As soon as I saw my balance on-line I called to try to correct it. At that time XXXX   customer service told me they would be able to cancel the second identical payment. When I received my first statement my balance was {$3900.00}, double my {$2000.00} credit limit. This negatively affected my credit score. I called cust. srv. again and explained situation. They assured me it would be simple to correct. I waited til the next statement and it was not corrected. I called again. This time they told me check XXXX for {$1900.00} was sent to Paypal on XX/XX/XXXX and check XXXX for {$1900.00} was sent on XX/XX/XXXX. I waited for my Paypal statement and saw they had applied only one payment. I called them with the check info XXXX  had given me. They said they would look into it. Weeks later I got a letter saying they had received only one payment of {$1900.00} and the error was XXXX 's. I had comenity send paper copies which I relayed to Paypal. After another month, no correction or resolution. I have spoken to XXXX c.s. five times and received the same copies three times. I have spoken to Synchrony c.s. three times and spent {$18.00} in fees to fax them all XXXX has provided me. Each company points the finger at the other and show no interest in actually speaking to each other and tracing those funds. I did not send any check or receive any check so I do not have access to any bank information. I am helpless at this point. They are the only people who can actually find out what happened to those funds and they refuse to do so. I need help. This has negatively affected my health and credit score. Please hold them responsible for solving this discrepancy. I am XXXX and live on Social Security. My entire monthly income is much, much less than {$1900.00} and I am very responsible about handling my debts.
Consumer complaint received 2017-11-09
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. (AL)

I have had my credit cards stolen and my identity information compromised and asked TransUnion to put a freeze on my credit reporting. The other 2 majors ( XXXX and XXXX ) did this without charge but Tranunion will not ... want to charge me XXXX  dollars ... by credit card that they may have allowed to be hacked I believe that TransUnion is the breach of my info.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Coast Acceptance Corporation (CA)

I purchased a car threw a dealership, I gave XXXX down the car was XXXX XXXX for the 2 years I payed XXXX every month and this last year I struggled but I still Im managing to make payments the financial depart says I owe XXXX XXXX still but I have proof of other wise please help
Consumer complaint received 2017-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (NE)

XXXX XXXX XXXX sent a debt of {$470.00} to XXXX XXXX XXXX XXXX. in XX/XX/XXXX. XXXX XXXX XXXX XXXX used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} ) in XX/XX/XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XX/XX/XXXX and I sent proof of payment ( bank statement copy ) in writing in XX/XX/XXXX. In XX/XX/XXXX, I  received a call from Cascade Capital LLC XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XX/XX/XXXX.
Consumer complaint received 2019-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Kohls is reporting a closed/collection account as an installment account. This account has been sold to two different collection agencies but is still reporting under Kohls. Keep in mind this is damaging my credit score each month. Kohl 's has yet to send me valid proof showing that this account belongs to me ; billing statements are not considered validation as they do not bear my signature. I am requesting for this account to be removed from all 3 credit bureaus. Moreover, I have already given you the 30 days required by law, you will now have 15 days to correct the information being reported on my credit report and to send me a response or I will file suit. if you continue to act in bad faith I will proceed with a small claims lawsuit against Kohls for 1 : ) Negligent Reporting, 2 : ) Violation of the Fair Debt Collection Practices Act, 3 : ) Violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

On Friday XX/XX/XXXX ( the due date for my student loan ) I noticed that my student loan bill from Nelnet was still showing as due. In fact it showed that the payment was overdue and my new amount due by XX/XX/XXXX was {$1100.00}. Thinking I had somehow missed my payment I scheduled a payment to be made on XX/XX/XXXX. I thought I had made the payment previously, but I checked my account and could not see any pending payments or anywhere where I had scheduled the payment already. 

Then on XX/XX/XXXX I saw that two payments were being processed from my checking account. Apparently I had scheduled a payment for XX/XX/XXXX at the end of XX/XX/XXXX. Since the website did not show this payment I was induced to pay the student loan twice, wrongfully. 

I called Nelnet and asked them to reverse the second payment on my account. They refused. I asked them why they do not show scheduled payments. She had no answer and said I could file a complaint. I told her their website should clearly show to the consumer when they have already scheduled a payment. She said she would note that on my complaint form. 

It appears that Nelnet has purposefully set up their website to cause confusion. In fact one could argue their website is misleading. I truly thought I had missed my XX/XX/XXXX payment when I did not. They said they will apply the double payment to my XX/XX/XXXX statement. But that does not solve the problem. Their website should clearly show when payments have been previously scheduled. I do not get any benefit for paying my XX/XX/XXXX payment early. They seem only concerned about collecting the money. Nelnet does not seem concerned that their website is misleading.
This issue should be addressed since it is very simple fix. Nearly every company I do business with online shows your scheduled payments. There is no reason Nelnet does not do it. One can only assume that they are purposefully leaving this option off their website to mislead consumers into paying their accounts early through erroneous double payments. Luckily I had funds in my account to cover this double payment. But someone else who makes this mistake may not. 

I have contacted my bank and been told that the only thing I can do is dispute the ACH. By the time that dispute is done I will have to make the XX/XX/XXXX payment so I should just let the payment stay. 

Nevertheless, Nelnet should be made to address this complaint. Their website is misleading. They need to change their website so that consumers can easily tell when they have already made their payments.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

Over the course of the last several months I've experienced a growing and continuous problem in dealing with a Citi Card Credit card. It started in XXXX when the company advised me they were 'upgrading ' my current card to a new version of the same card with additional benefits that I never requested, which as I read through the terms actually seemed worse than what I had at the time but that's not the purpose of my complaint. They deactivated my card at the time and never sent a replacement card. When I called to inform them of that I was promised another card in the mail and they would close the active card to prevent any fraud. They again never sent the replacement card. The first time I called back the CS agent took my info had me sit on hold for 15 minutes then hung up on me. The second time I called back I asked for a manager sat on hold for 20+ minutes before deciding to try to handle it with the agent. The agent informed me my account was closed and the only way to reopen it was to re-evaluate my credit as if I were a new applicant. They sent me a derogatory credit report citing too many inquiries against my credit and a unacceptable credit ratio ( as they inquire against my credit ). Mind you their card is my only credit card and I purchased a home in XXXX, and all of those payments are and have been current. The idea that someone who has an account that's active, being paid regularly, under a credit limit and didn't request it closed be closed is absurd. Moreover I know for a fact that a credit card company will not allow you to voluntarily close an active credit card with a balance simply because they expect to make more money off of you. Their practices are at best unfair and likely fraudulent since I never requested them to close this card, but they claim through their CS that's why they did it not to mention I haven't had access to my only CC since XXXX trying to resolve this.
Consumer complaint received 2020-11-27
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: Conn's, Inc. (TX)

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop them.
Consumer complaint received 2017-09-11
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)

On XXXX XXXX I learned from a press release from Equifax that my personal information had been stolen. This includes my name, date of birth, social security number and potentially my credit card numbers. This breach occurred due to Equifax storing my information in a insecure fashion. Per Equifax this breach occurred XXXX through XXXX XXXX.
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION (KS)

I purchased a vehicle form XXXX XXXXXXXX XXXX in XXXX Kansas, which was a disaster I received a call from the bank regarding the loan and to let me know that the dealership had put extra features in the cars description that the car didnt have, I reached out to the dealership and had no answer and I also reached out to the bank Im in the XXXX currently stationed at XXXX XXXX serving the XXXX Brigade support battalion about to deploy overseas and I need this matter taken care of and besides I took legal advice from XXXX XXXX XXXX XXXX and was to learn that the contract of the vehicle is in violation with the military lending act I just want my down payment back and get rid of the vehicle its been more than two months that I have the vehicle my temporary tags expired and I cant register the car because I havnt received the title or gotten any answer from the dealership I pelase Need help
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC (VA)

I just received an updated that a collections account has been added to my credit report by PHOENIX FINANCIAL SERVIC XXXX, IN XXXX I do not have any past due accounts and I have not been contacted by anyone claiming to be from this company.