davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (GA)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I have XXXX loans issued through the Federal Family Education Loan Program that are held by Navient. I was under the impression that under the CARES Act, these federal loans would be subject to a reduced interest rate ( 0 % ). I have learned today that is not the case as the " owner '' of these loans is Navient Trust, which would technically make my federal loans privately owned and exclude them from the benefits of the CARES Act. I had no say as to who my loans were sold and believe this is a criminal act against the 14+ million students who have been impacted during this especially tragic time. I do not want to pursue a class action lawsuit will feel forced to if this injustice is not addressed.
Consumer complaint received 2021-06-04
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2020-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed my Capital One Bank account around XX/XX/2020. A check in the amount of {$23000.00} was supposed to be mailed to me. 

According to Capital One Bank 1. Capital One Bank mailed the check to a wrong address 2. when the check never got to me Capital One Bank setup a case and told me they had a month to respond 3. after MANY phone calls by me to follow up, I was told by the bank that my case went to the wrong department in Capital One Bank. I spoke with numerous bank representatives along the way, none of whom would provide their last name. I explained the financial hardship this was causing me. 
4. Capital One Bank told me that they could not email the forms they needed, that I had to wait for another case manager 5. I was assigned another case number and on XXXX received an email with the affadavit form and fax instructions on XXXX from " XXXX '' case # now XXXX. 
6. I had the form notarized and faxxed to Capital One Bank on XXXX XXXX. by XXXX XXXX no check had arrived, so I called XXXX at Capital One Bank and left a message asking for a call back phone number XXXX ext XXXX XXXX by XXXX no check had arrived and XXXX had not returned my call. I called his extension and a recording told me that extension was not in service 9. on XXXX I called the bank again and spoke with " XXXX XXXX who took my information and promised to get back to me by XXXX. I explained the financial hardship this was causing me. 

PLEASE let me know what else I can do in this situation. I was a customer of a local bank for over 30 years before they were purchased by Capital One Bank. It's outrageous that a bank can hold my money, send a refund check to a weird address, and then stonewall on providing the forms. I have spend over XXXX hours on the phone, and am still waiting for my funds. 

Thank you kindly for any help or advice you can provide. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-10
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: EQUIFAX, INC. (PA)

on XX/XX/2020 I submitted a XXXX with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Orion Capital Solutions LLC (WA)

Orion Capital Solutions, calling from XXXX ( XXXX ) XXXX but stated to call them back at XXXX. From the comments Ive read it sounds like this company needs to be shut down immediately. I do not know who they are looking for but a quick XXXX of their phone number would let anyone know that persons business ( illegal ). Violations of the FDCPA for sure.
Consumer complaint received 2020-09-16
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. (GA)

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Greetings. I have recently reviewed my credit report and have found numerous inquiries that should not be listed on my credit report. These violations evidence unfair reporting pursuant to 15 USC 6801 ( a ) Privacy Obligation Policy It is the policy of congress that each financial institution has an affirmative and continued obligation to respect the privacy of it customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I never gave these entities or the credit reporting agencies permissible purpose nor written instructions to access or report this information and they never clearly or conspicuously disclosed that they would disclose this information. Additionally, they never gave me an opportunity to opt out of these inquiries being reported in pursuant to 15 USC 6802 ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third part unless -- - ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other forms permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I never gave these companies permissible purpose to report this information and they need to immediately remove all inquiries listed below. 

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 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 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 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 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ditech Financial LLC (FL)

I recently was reviewing my credit report and have realized that since my bankruptcy was finalized in XXXX of 2011, my monthly mortgage payments are not reported on my credit report. I have been on time with every monthly payment but none of the payment are represented on my credit reports, which has dramatically effected my credit score. I have contact my mortgage company in regards to all my payments not showing up on my credit report and they have reported there is nothing that can be done on their part to fix this issue. Since, 2011 my mortgage company has changed ownership several times which I 'm sure has something to do with this issue. Since, mortgage payments have the largest effect on your credit report, this makes it extremely difficult to repair my credit score. Thanks for your help!
Consumer complaint received 2020-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I advised the company on XX/XX/2020 that I would be making my payment that was due on XX/XX/2020 on XX/XX/2020. I made the payment in the morning as I stated I would. Later in the afternoon I called to make sure that USAA Bank where the funds were and transfered to USAA Bank where the loan was. The first person I got after the Notice this is attempt to collect a debt I got XXXX XXXX in Florida. XXXX advised me after much haggle unless I gave him my phone number or email. He refused to transfer me to a supervisor and is also working for a third party hired by USAA to collect debts. XXXX would not disclose the name of the company the address. 
I then called back to get XXXX XXXX who would not transfer me and when she did get a supervisor they would not talk to me because I was not verified. She also would not disclose the name of the company or the phone number she was working for. 

The above individuals with intent would not disclose the name of the company they worked for under the Fair Debt Collection Act. Unless I gave them my phone number, Pin number and SSN. USAA is unwilling to talk to anyone and anyone that is hired to do the work for them does nothing to identify themselves other than the first name. 
USAA has come up with a lot of rules and does not send them in large print as they have been asked several times and when you complain they leave a short message and unwilling to help.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is reporting a late for the month of XX/XX/2020. This payment was deferred due to Covid-19. The bank says that the bureau would remove the late after my dispute. The credit bureaus still have not removed the late.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am a single mom trying buy a house and i seen there are damaging information reporting on my credit report. According to the law 15 U.S.C 1681 there shouldn't be any damages on my credit report and that is deformation to my character.
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KS)

On XX/XX/2020 I called Transworld Systems to resolve a debt that was on my credit report. I was told that the balance I was referencing was {$56.00} but also had another balance on a bill that was {$28.00}. The representative with Transworld said that the {$28.00} bill is not on my credit report because it is under {$50.00}. I specifically told the rep that I want to pay the {$56.00} balance and not the smaller one. I made the payment on the same day. After checking my credit report, I have noticed that only half of the amount was shown as paid. I called Transworld back onXX/XX/2020 to inquire about it. I was told the payment was split up and half of it was applied to the other debt. It is my understanding that when I pay a bill and ask for the amount to be applied to a specific bill, that it has to be done and not just applied to what ever they would like to. They told me that it would be corrected but I'm not certain that it will get done. Both of these conversations were on a recorded line.
Consumer complaint received 2020-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I spoke with XXXX at Experian on XX/XX/XXXX about the unauthorized accounts that appears on my credit report I request the following accounts to be delete and removed off my Experian credit report : XXXX XXXX  open date XX/XX/XXXX amount {$540.00} account # XXXX, XXXX XXXX XXXX open date XX/XX/XXXX amount {$13000.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$3500.00} account # XXXX, Dept Of ED/XXXX open XX/XX/XXXX amount {$5600.00} account # XXXX reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.
Consumer complaint received 2023-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TN)

I am a XXXX XXXX XXXX holder, however Synchrony has stated that I am NOT an XXXX holder, but XXXX says I am a XXXX XXXX holder, and that I have not points to redeem. 

I ask for technical support and have been told XXXX does not have technical support. I told the XXXX rep that not having technical support is alarming. 

Synchrony bank is not being transparent. Synchrony bank is not sending me notices and I am enrolled in XXXX statements. Synchrony bank can not help me, and sends me to XXXX. XXXX says that can help me. 

When I'm on the XXXX website, it shows I have XXXX points. It shows I have no account because there's no information on that site. I have to switch over to the Synchrony site. The synchrony site has no information, so I have to log onto each individual statement to see what my rewards balance is and those reward balances are fluctuating and I'm NOT able to access rewards points on either site from my phone or my laptop. 

The XXXX states Synchrony is responsible for handle the rewards points and responsible for the technical issues on the website. 

The Synchrony bank is billing for digital services, however there is no discloser on the statement identifying the service I am being charged for.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

We are unable to set up online payments as the account is 1 month behind. Talked to Wells Fargo on phone and set up payment, XX/XX/2023. On XX/XX/2023 they took out {$500.00} more than the agreed upon amount.
Consumer complaint received 2021-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (MO)

Amazon put a freeze on my account for unknown reason and claims they can not unfreeze it until they send me a link via text message. However, there policy states I can have an automatted call as the other option. I was then accused of swearing to XXXX when I never did and she was short of harassing me and insisting I have to be sent a text message link. She was from overseas. This is the locked account message from Synchrony " There is an issue with your account, Please contact Customer Service at XXXX.You will not be able to make purchase with your card until you contact customer service.The enhanced Manage Alerts feature is now available. Check out our new alerts! 
Welcome, XXXX Image of sample Amazon Prime Store Card Amazon Prime Store Card Account ending in XXXX '' My statements are fine and there has not been any suspicious activity. Amazon is spamming people with suspicious text messages link as to capture private data from phones.

They refuse to send me an automated call when that is their policy that I can request that as an alternative verification.

Amazon is unlawfully freezing accounts and then stating we have to follow links on our phone. 

I have never been late on payments or had others with my account.
Consumer complaint received 2021-11-02
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. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/2020