davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and XXXX XXXX XXXX, XXXX,, Pennsylvania, XXXX. I sent the same Billing Error Dispute notice to XXXX XXXX XXXX XXXX authorized signatory, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 

Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 

My recent XXXX, Experian, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 

Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 

However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, Experian, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount may have change since the date of the dispute notice. Im disputing the most recent amounts reported and furnished.
Consumer complaint received 2022-02-09
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. (NC)

I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in XXXX days, that was XXXX months ago. I called in today XXXX to XXXX times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not crown asset manager. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and crown asset management received the settlement letter within the XXXX days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to debtsy, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to debtsy. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.
Consumer complaint received 2020-09-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (DE)

This car was an expensive monthly payment & because of this, it was voluntary surrendered to the the loan company which still resulted in a repossession on my credit unfortunately. This has impacted me in many negative ways.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over XXXX XXXX XXXX and they are not mine and I do not have a XXXX  account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX  XXXX and I have proof that I pay these accounts on time they need to comply
Consumer complaint received 2021-04-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

My husband and I applied for a mortgage refinance with Cardinal Financial in late XXXX, XXXX. Our loan is a cash out refinance with a XXXX of approximate 59 %. There have been significant delays in the process on Cardinal 's side and multiple occasions during underwriting where there were week that we did not hear from them before additional documentation was requested. Additionally, I don't feel they have been honest, including saying that we can not decrease the amount of the loan ( because of the delay the cash out has increased significantly higher than our original request ). Now, after over 4 months, Cardinal has advised that charges and rates have increased due to a disputed credit bureau report showing a XXXX late account for {$50.00}. I have documentation showing that the account was paid, but have been told that it can not be addressed because 'credit bureau disputes take months to resolve '. We are now out {$500.00} for a no long valid appraisal, with fees and rates that are higher than agreed to - all due to Cardinal 's delays and misstatements. We have asked multiple times that the delays and issues are escalated with contact from no one other than the loan officer and transaction coordinator.
Consumer complaint received 2021-04-11
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. (GA)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-11-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mobiloans, LLC (TN)

Originally the loan was for Mobiloans.com, but it was removed due to a class action lawsuit. 

The fraudulent loans were reportedly issued by one bank, the XXXX XXXX  XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MobiLoans LLC. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX  XXXX XXXX  and the tribal companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. 

All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. 

Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; Cash advance ( s ) on a line of credit from MobiLoans before XX/XX/XXXX ; or XXXX XXXX  ( s ) from XXXX XXXX  XXXX XXXX  in Pennsylvania. 
The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. 

My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. XXXX XXXX XXXX ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from XXXX XXXX XXXX to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. 
I also have a recorded conversation from XXXX, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. 

Their website is XXXX  : XXXX
Consumer complaint received 2017-12-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Financial LLC (DE)

I got a payday loan on XXXX XXXX XXXX. I called a few days after saying that I revoke authorization to debit my account. I got into a bad car accident on XXXX XXXX XXXX and had to be rushed to the hospital which I have documentation from state police. I was on bed rest for two days and was scheduled for a re-evaluation afterwards. I was not able to physically visit the lenders office due to my injuries and have to pay for my medical expenses and transportation. Again I specifically called the office and spoke with XXXX and requested that my account not be mishandled and to revoke authorization to debit my account. On XXXX XXXX XXXX around XXXX I receive an alert on my cell phone saying that my account has been overdrawn XXXX dollars from XXXX XXXX XXXX and another XXXX overdraft fee. I told them prior to the unauthorized transaction that I need to set up payment arrangements and XXXX did not take my request seriously and failed to act on my request on behalf of the company. I believe that fraudulent activity is happening due to my case and is directly correlated to the unauthorized transaction on my account. I was told by XXXX that he was going to debit my account anyway and if it comes back unpaid then and only then he will set up a new payment arrangement which is malicious. He is not the owner of the account and does not have the authority to chose to deny my request to leave my account alone, but since he took it upon himself to charge my account against my wishes, now my account is overdrawn {$100.00}. I would not recommend this company to anyone and I want the charge reversed due to fraud and unauthorized use of a bank account.
Consumer complaint received 2021-04-11
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. (FL)

When Experian had the hack I placed a XXXX lock on all the major credit reporting agencies XXXX Experian, XXXX, XXXX XXXX XXXX. After the 90 days were up I tried to have a limit on one of my credit cards and found the account still locked. I have recently tried to provide for time payments on a product and the company who was providing the financing told me the account was locked. 
I am thoroughly disgusted with these " credit reporting agencies '' as they continue to keep access to my credit reports so I can obtain credit for future purchases or increases on existing credit. The lock I place should have expired over a year ago but still remains in place. 
These companies need to be investigated and fined for keeping my access to lenders blocked.
Consumer complaint received 2020-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One bank Statement XX/XX/2019 - XX/XX/2019 shows several charges on XX/XX/2019 with charges from XXXX XXXX XXXX XXXX Tn in which I rented a truck at XXXX XXXX XXXX XXXX on XXXX statement XXXX was charge 4 times. my issue is Transaction showing in XXXX TN XXXX 2 times that day other charge shows XXXX XXXX XXXX XXXX card ending in : XXXX It's been over 3 months now Capital One Bank bills me XXXX all sudden
Consumer complaint received 2020-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (LA)

ABOUT 2 1/2 YEARS AGO MY FICO SCORE PLUMMETED OVER 100 POINTS. I CHECKED MY CREDIT REPORT AND FOUND OUT A XXXX ACCT. WAS OPENED FRAUDULENTLY IN MY NAME. I CONTACTED THE 3 CREDIT BUREAUS AND THEY DID THEIR INVESTIGATION AND REMOVED IT FROM MY REPORT. 2 1/2 YEARS LATER THIS SAME FRAUDULENT ACCT. APPEARS ON MY CREDIT REPORT, ONLY THIS TIME A COLLECTION AGENCY HAS IT. THE SAME {$180.00} BALANCE FROM XXXX.
Consumer complaint received 2020-12-02
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2022-02-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KY)

Hi, I am embarrassed to say that I've been paying on my student loans since XXXX. I graduated in XX/XX/XXXX. My husband was in the military and after we settled in our first duty station in XXXX, I received calls to consolidate my loans. This was done with Sallie Mae and later transferred to Navient at 8 %. I had total student loan debt {$25000.00}. I was told to defer payments and when I got a job, I started paying in XXXX. Over the years I was steered into payment plans to lower my payments so I could afford it but never told to apply for income driven payment plan or that it was an option. I was put into income sensitive repayment. I asked if this is the plan to have forgiveness after so many years paying and the Navient rep said it was. For years, I just renewed my income as they needed. A few years ago, I asked how many more years before it is forgiven. It was at that point, I was told I was in the wrong plan for that. I tried to apply for IBR, but at a $ XXXX salary, I didn't qualify. 
I reviewed all of my past payments, and since XXXX, I have paid Navient a total of {$45000.00}. However, my debt as of today is still more than I originally borrowed. It is at {$34000.00}. 
I am defeated. I don't know what else to do. Navient steered me so wrong from the beginning and I have paid and paid. I can't see a way out of this debt. I can't afford to pay anymore a month than I already do. Please help! 
Thanks XXXX XXXX
Consumer complaint received 2022-02-09
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I noticed an inquiry for capital one back in XXXX, I called capital one and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.
Consumer complaint received 2019-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I have multiple credit cards with Chase. I opened a Chase XXXX XXXX card more than a year ago, a card with an annual fee of {$450.00}. I already had a Chase XXXX XXXX card, which is the less premium version of the Chase XXXX brand, and it had an annual fee of {$95.00}. 

I was led to believe by Chase representatives that with the Chase XXXX XXXX card, I would not be billed any annual fee on my Chase XXXX XXXX card. I was unknowingly billed {$95.00} on XXXX XX/XX/XXXX. I was not aware of this billing as there was a credit balance on the account, and the assessment of this fee seemed to cancel out the balance and made the charge itself ambiguous. I received a statement in XX/XX/XXXX telling me that another {$95.00} was going to be billed on XXXX XX/XX/XXXX, and I immediately called customer service to stop the annual fee. 

Chase has refused to fully refund the {$95.00} annual fee on the Chase XXXX XXXX product and has only agreed to refund {$7.00} of this amount. I have not used the card once since the last time the annual fee was billed, and I do not even have the card in my possession. I have been using the premium version of the card, the Chase XXXX XXXX card. I never received any statements for the XXXX version of the card and was hardly aware that it was even open. 

I feel misled and disrespected as a customer, as Chase misled me as to the correct fees on my accounts when I opened their most expensive card ( Chase XXXX XXXX ). Furthermore, I feel like an XXXX for being taken for {$95.00} whilst never getting to use any of the benefits or features of this card.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has been harassing me with repeated phone calls, the last call was made on XX/XX/2021 that was 39 minutes long. I recorded the whole call and the guy I was on the phone with has submitted a complaint on the harassment that I have been receiving and he was informed that it was a violation of my consumer rights pursuant to 15 usc 1692d and 15 usc 1692c but I have not heard anything back from no one so this complaint is for a response back from an executive team member. I would advise that this gets handled outside of court because If I have to seek litigation for the relief I am entitled to for sustained damages pursuant to 15 usc 1692k, attorney fees 15 usc 1692k ( a ) ( 3 ) will be added since I will be representing myself. I am a consumer natural person and your illicit activity needs to be stopped and for the record this complaint is not tied to my complaint I have with you last week because I have not provided anything detail on the calls that your company has made so if my complaint gets marked as duplicate I will be adding these fees to that complaint and I will start my administrative process.
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2018 for XXXX  XXXX XXXX. I am not aware of where it came from or who used my information. Since XX/XX/2018, I have been trying to get this account removed off of my credit.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

In XXXX I contacted LVNV Funding, LLC in regard to info that they had sent to me in response to my request for validation for the XXXX XXXX credit card account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last Wednesday I reached out to the capital XXXX XXXX XXXX XXXX and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus but they said that its already been disputed and they will not look at it again. Then today I received a letter from a company called XXXX XXXX XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any information that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase my home and be given other credit opportunities.