davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
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: I.C. System, Inc. (NY)

Debt collector IC Systems re-aged an account and added it to my credit report on XXXX XXXX, 2021. The account is being reported as 2 months old when in fact it was previously reported by IC systems, then removed from my report.
Consumer complaint received 2018-02-19
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: Experian Information Solutions Inc. (CA)

There's a credit card account on my credit report which was for a business, not individual, that has also since been settled and closed back in XX/XX/2014 ( XXXX XXXX XXXX ). This has not been removed off my credit report despite multiple requests.
Consumer complaint received 2018-02-19
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. (SC)

My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.
Consumer complaint received 2021-12-01
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. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX now im homeless XXXX cant provide to my XXXX year old daughter and i started doing my research and XXXX XXXX XXXX i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
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 — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have not validated any of the debts Equifax has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by Equifax to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.
Consumer complaint received 2018-02-19
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: BARCLAYS BANK DELAWARE (WI)

Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

ON XX/XX/2017 5 letter were drawn and sent certified mail to Experian, XXXX XXXX, XXXX, annual credit report and CFPB My Social Sercurity was incorrect and needed to be corrected with all credit report bureaus. 
XXXX  is the only Bureau that corrected the issue. 
It has been 6 months since letters and info was shared and I need to refinance my car and apply for a rental ... 
I need my SS # to be corrected within the credit reporting Bureaus so that I can move on in life. 
I do not know what else I need to to do, to get this done..
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XX/XX/202XXXX XXXX Date Updated : XX/XX/2021
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (CA)

We have reason to believe that National Credit Adjusters LLC are in violation of the FDCPA and FCRA. Please cease and desist all communications regarding the negative account reporting from this company to the consumer credit report linked to XXXX XXXX, social security number ending in XXXX ; and delete this item from reporting to this credit profile as a privacy request under the GLBA/Regulation P of the CFPB.
Consumer complaint received 2020-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

This credit card was tied to my business checking account. In XX/XX/2013 that account was closed by Chase because my business was failing. The shut down that account and failed to notify me. I found out when I went to make a deposit. They were automatically taking the money from my account & didn't bill me. After several years of not hearing from the bank, they turned it over to a collection agency. Suddenly I am getting calls from them about an account I forgot about. They literally shut down my business and never gave me a chance to address this card & the amount owed. It has been 7 years since they stopped taking payments. This credit agency keeps updating the report in an attempt to keep the statute of limitations from running out. This is harassment, as they have not made any attempt at contacting me in several years. This account should be taken off my report at this point.
Consumer complaint received 2020-01-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (DC)

I have loans with MyFedLoan. They have been at 0 % interest for over a year, but I am seeing in my account that I somehow have {$12.00} in interest. I do not understand how this happened and want an explanation or that interest removed. Servicer has been unresponsive.
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (PA)

i have contacted all XXXX credit bureaus as well as THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation,
Consumer complaint received 2018-02-19
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 (IN)

I recently checked my credit report and noticed a hand full of credit inquires that I did not recognize and should not be on my report. I have listed the inquires below : XXXX XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX   : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (GA)

I believe XXXX rental car company overcharged me and took my money. XXXX also createed a unauthorized charge on my debit card above {$4000.00} dollars. My credit reports have suffered tremendously. I want this off my credit reports please. Thank you in advance! 
Also, I paid XXXX company thousands of dollars, the fees should not be {$3800.00} remaining. My reports says it is a charge-off from my DEBIT CARD at XXXX XXXX XXXX  XXXX This amount is not accurate nor correct. I was hospitalized and took advantage of at the same time. Please help me?
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (UT)

I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX  to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (OH)

Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.
Consumer complaint received 2018-02-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have vehicle lease account with Toyota Financial Services that was properly paid for and closed on XX/XX/XXXX As I changed address after the account was closed, I did NOt receive any further communication from Toyota. But, I get a call from a credit collection agency, XXXX XXXX XXXX, onXX/XX/XXXX regarding a debt to Toyota. I requested a written notification, which they sent me on my new address. The bill was for : excessive wears and tears and a purported missing key for a total amount of {$700.00}. I contacted Toyota and disputed the missing key. Toyota told me the account was closed and that the additional debt was sold to the credit collection agency ; therefore I had to work it out with the collector. I contacted the collector over the phone and we agreed on the amount of {$490.00} to settle the debt. However, until now the original account is still appearing as " open '' with Toyota, with a debt of {$210.00}. I have been disputing that over the last 3 years, but XXXX keeps telling me that this is what Toyota reports to them. Each time I contacted Toyota at XXXX to request that they either : 1 ) report the account as " closed '' or 2 ) send me a bill in the mail with payment instructions. But, each time the department refused to do so nor will they provide the phone number of the department to contact. All, the tell me is to write to their collection department, which does NOT have a phone number! Worse, the phone number ( XXXX ) listed on the credit report does NOT belong to Toyota.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NJ)

On XXXX XXXX, 2021 at XXXX I contacted the XXXX XXXX/Vanilla company via phone as I was receiving an error message in XXXX XXXX and XXXX when I tried to use a {$50.00} gift card we received for my son 's birthday. I spoke with XXXX and provided her with my address, name, date of birth, email address and the gift card numbers/information. XXXX stated the card was compromised and opened a case - # XXXX. She indicated I would need to email a photo - front and back of my driver 's license. I explained my concern in doing that due to identify theft. On XX/XX/XXXX, I sent an email follow up and the company stated that I hadn't sent in documents for my case. I replied and asked what documentation they needed and why they needed it. They replied stating they needed a copy of my driver 's license and a copy of the receipt. When I again asked why they needed the driver 's license, they responded on XX/XX/XXXX stating it was part of their 3-step verification process. They also requested a photo of the front and back of the gift card, which I promptly provided. I also explained that the gift card was in fact a gift and I do not have a receipt. They indicated that if I know the store where it was purchased, I do not, I could go to the store and request an electronic journal. I sent a follow up email to confirm that without the receipt, will the company replace the gift card and they have not responded. I understand gift card fraud is an issue. However, I have provided photos of the card, I have provided all of my personal information. While extremely hesitant, if you advise it's not an issue, I will provide a photo copy of my driver 's license. However, I do not have the receipt as it was a gift and I do not know the store where the item was purchased. The company is making it extremely difficult to use a gift card that I was provided as a gift.
Consumer complaint received 2021-12-01
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. (AL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$750.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX AL ) XXXX Owed : {$610.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX CTR XXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-08-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (FL)

I was working with their representative very professional and we set up the re-finance a month prior to when we could submit it. once submitted we had a few hoops to jump through i.e. termite inspections and appraisal and a few other normal mortgage details. I was told i would be closing at the end of the month. Then steps in a very unprofessional non organized processing team that seemed to not care and were disgruntled. I had to constantly reach out to the first rep for information and the new team didn't respond or update and seemed to not know how todo their jobs. i had to get the information for them. on 3occasions i was given yes we are going to close tomorrow or today but in the end it took the first rep calling me and explaining. I received no official explanation or apology. this has caused me a financial burden and emotional stress. I tried to work with my current mortgage provider but am unable to due to the credit score drop due to lower. I want to avoid any legal action so a speedy resolution with LOWER is Ideal.
Consumer complaint received 2019-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (GA)

In mid to late XX/XX/XXXX, Contract Callers, Inc. phoned my home on two to three times, first asking for me by name and I confirmed my name to them. Then they asked me to verify my address. I asked who was calling and why was my address necessary. They refused to give me any information or identify themselves ; instead stated that they could not say why they were calling until I gave them my home address. I refused and hung up the telephone each time. In XX/XX/XXXX, I discovered that Contract Callers, Inc. had placed an alleged debt on my credit report on XX/XX/XXXX. I never received a letter to dispute or confirm this alleged debt in the mail. In XX/XX/XXXX, in an attempt to settle this violation, I sent a letter notifying Contract Callers , Inc. that a complaint would be filed against it for violations of the FDCPA and FCRA if we could not negotiate some type settlement. An attorney for the company responded by saying that there are no violations, ( copy attch ) with a convenient copy of a debt notification letter to me dated XX/XX/XXXX, a date of two days after the debt was reported by Contract Callers , Inc. on my credit report. I have found that this company has a pattern of this type of practice with numerous complaints posted on the internet.