davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CREDIT ACCEPTANCE CORPORATION (VA)

In XXXX our vehicle was deemed a total loss. Credit acceptance was to provide the payoff amount so the loan could be paid in full. After they provided the payoff to XXXX, there was a remaining balance because of the cancelled automatic payment ; this was I unbeknownst to us. I received no notification that our payment wasnt processed until it was reported as late on my credit report. I called and spoke with them to understand what occurred. 

After speaking with them about the cancelled payment. XXXX XXXX informed us that they changed the company who was providing their payment processing while we had a pending payment in queue to be processed. This change in payment providers resulted in an automatic cancellation of our scheduled payment. 

These 2 occurrences were out of our control. We were not at fault for the accident or the late payment but, are being penalized for it. 

My credit score dropped to an unsatisfactory range and I am no longer eligible for a home loan.
Consumer complaint received 2024-03-20
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc. (MD)

XXXX violated my privacy rights and they also violated rights under federal protection. Due to them selling my information to a third party company contact the credit bureau which is unlawful in resulowering my score and hindering me from getting new loans.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On XX/XX/2022, I received a note from XXXX XXXX XXXX that my credit report was accessed by Comenity/Ulta fraudulently to open up a credit card in my name without my consent. I contacted Comenity to flag this account for fraud, and they mentioned that the person who opened the credit card provided the wrong birth date and phone number, yet was still provided approval for the credit card and subsequent purchases, which amounted to about 650 . 

I have since locked and frozen my credit at the various credit reporting agencies. Comenity is currently investigating this issue, with an eta for resolution in 90 days.
Consumer complaint received 2024-03-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

XXXX XXXX XXXX XXXX  have been included in the XXXX XXXX XXXX class action settlement, which proves the pattern of wrongdoing related to predatory lending. Due to the nature of this settlement, only federal loans are applicable with no relief for borrowers plagued by privately held loans. The predatory lenders ( started as Sallie Mae but converted to Navient ) are also complicit in taking advantage of borrowers using falsified data and high pressure tactics to rack up insurmountable loans. I am one of the borrowers who has been paying private loans with high interest rates for years, with barely a decrease in balance.
Consumer complaint received 2021-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

Navient student loans calls me 3 and 4 times a day after being asked not to call. I made payment arrangements for XX/XX/XXXX for the XXXX pmt. They have called at least 2 times a day XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX- I work for a mortgage company and I know they are in violation of the Fair debt collections laws, FDCPA, and CFPB laws. I see where they were fined in XXXX they need to be investigated again, the customer service reps are rude and threating with statements like we can call you up to 8 times a day, you don't have an arrangement until you set up a post dated check. If you pay your bill on time we will not call you. I am due for the XXXX payment. Please investigate them.
Consumer complaint received 2020-11-04
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. (PA)

XXXX XXXX XXXX This account is reporting inconsistent information between the two bureaus if this information is verified as accurate how is the high limit of {$610.00} and {$0.00}? The open date is even different PLEASE DELETE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX As a consumer, I know that you can not report an account as an open charge off and list the account type as unknown! How was this verified but listed as UNKNOWN? Wouldnt you have known what type of account it was if it was so-called verified? REMOVE IMMEDIATELY
Consumer complaint received 2020-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (CA)

I am writing to you today regarding the NAVIENT SOLUTIONS , XXXX account, Account # XXXX, Date Opened XX/XX/2005, Balance {$1200.00} and send you my notice of intent to suit. Your company has committed the following damages : legal advice expenses, not being able to obtain {$10.00} XXXX loan, emotional stress, and multiple violations. 

1. Inconsistent reporting across bureaus.

2. Failure to remove rehabbed account off credit report.

3. Negligence.

4. Breach of contract.

5. Reporting false and erroneous information. Violation to section ( 609 ) of FCRA 6. Missing CA Notice : Failure to provide notice of late payment insertion required by California Credit Reporting Act.

7. Reporting adverse/negative information without a warning notice. Violation to section 623 ( A ) ( 7 ).

8. Failing to provide notice after negative information was reported.

My demande is delete the entire tradeline reported on this account and send me a response.
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MD)

I submitted 2 online payments to American Express from 2 different banks. One on XX/XX/XXXX for {$1000.00} from XXXX. One on XX/XX/XXXX for {$1000.00} from XXXX XXXX XXXX. I used the wrong bill in both situations and paid an account that had been closed. I intended to pay my XXXX XXXX but accidentally used the bill pay for the OLD XXXX card provider - American Express. Starting XX/XX/XXXX, I've called American Express multiple times only to be told, there is nothing they can do. I even offered to provide the detail XXXX XXXX provided showing information regarding the payments, routing number, account number etc... The only thing Amex does is transfer me to XXXX ( new XXXX card provider ). The money has been debited from both checking accounts and sent to American Express. XXXX confirmed American Express will not forward this type of payment. I've attached details regarding the XX/XX/XXXX transaction from XXXX XXXXXXXX XXXX and XXXX.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark ( Intitial dispute sent on XX/XX/2020 ) and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2021-05-07
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: Integrated Asset Recovery LLC (TX)

I have a fraudulent debt from XXXX when my identity was stolen at XXXX XXXX XXXX, that i was taken to court on in XXXX, that the creditor didnt show up to, and this was dismissed, its been 10 years, but this is still destroying my credit, the creditor refuses to remove this and they constantly harass me from XXXX every day
Consumer complaint received 2021-05-07
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I disputed this information in XXXX of XXXX was a victim of the XXXX XXXX breach and the XXXX XXXX  breach and my personal information has been used without my authorization. This resulted in harassment and XXXX and false or misleading representation which is in violation of Fair Debt Collection Practices Act Sections 806, 807, 809, and 812. The incorrect information is still showing up on my credit reports.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (ID)

On XX/XX/XXXX I notified XXXX that my credit card had been lost. 2 weeks later I paid the balance on the card XXXX. Sometime later, within one year, I started receiving debt collection attempts from Cavalry SPV, LLC. They were trying to collect a debt of XXXX. A lawsuit was filed by Cavalry in XX/XX/XXXX, case # XXXX, in the District Court Of XXXX County in XXXX XXXX XXXX, ID. This case was dismissed without prejudice on XX/XX/XXXX. 
The damage to my reputation and credit rating was immeasurable.
Consumer complaint received 2020-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

This all started in XXXX by a scammer in which I didn't fall for. The info has been sold to various debt collectors over the years. I'm tired of fighting them off. In the last six months another creditor has started mailing me false loan info saying I owe this near {$15000.00}. In the last 20 years I have had only one auto loan and that was satisfied when sold it. I have not even had credit cards until XXXX, one credit card and then another in XXXX. Both I still have and am in good standing. 

XXXX XXXX XXXX said I owe {$15000.00} to an old ( XXXX ) Loan? Does not say what type loan. From original creditor, Citibank? I have never had a load from Citibank nor even a checking account since the XXXX 's. The account number they say it was is actually my old XXXX checking account that I closed when they tried hacking into it.They are putting ( they say ) a judgement against me in the county I no longer live in ( 6 hrs away ) and the case filing number is FAKE. I checked. 

I will not call them so they then have my phone number to harass me more. Don't know what yo do except file a complaint.
Consumer complaint received 2022-10-11
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 — Investigation took more than 30 days
Company: Credit Karma (CA)

I submitted a dispute with credit karma on XX/XX/2022. They informed me that the dispute should be resolved by XX/XX/2022. However, its now XX/XX/2022, and the dispute is still processing. Its now gone over the 30 days allowed and I would like this removed from my credit report. I tried contacting credit karma but Ive gotten no answer or call back. The agency I disputed is called XXXX XXXX XXXX in XXXX, MA. Please help as I dont know what else to do.
Consumer complaint received 2022-04-07
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. (FL)

On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor XXXX and was informed that the account was opened at a car dealership in California. I was given an account number for reference.
Consumer complaint received 2021-12-03
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 is the Account that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX {$0.00}
Consumer complaint received 2021-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (TX)

AFNI is attempting to collect a debt that is outside of the statue of limitation. Furthermore, I was never received a verification of this debt and unaware of any attempts to lawfully notify me. I am completely unaware of this collection account.
Consumer complaint received 2019-08-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have been making payments to Navient for their Sallie Mae Smart Option student loan. My loan now totals $XXXX+. I've made payments of $XXXX+ since 2014 and my total has not gone down. I recently found out that my school that I attended, nor did I graduate, closed down. I had no help or notice from the school's closure. Stricken with this loan, I have no idea how I'm going to pay this off. I've spoken with them to discharge the loan, but they refused saying I'm ineligible. I currently have no degree nor do I have the option to go back to school because my credit score is completely broken due to this loan. I asked if there were ways to lower the interest or the principal amount; they gave me no solutions. The school also has not responded to me since they closed, and I am unable to receive any aid. I work and make just enough to cover my rent and loan. I am stuck in a cycle of torment and have no options available.
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with capital one auto loan, I request to the credit bureau and capital one to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"
Consumer complaint received 2020-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BMO Bank, N.A. ()

I am attempting to initiate a wire transfer from my bank account at BMO Harris. However, I am unable to speak with anyone in the wire transfer  department in order to do so. I would simply like to speak with someone at BMO Harris who can help me with my transfer. I am attempting to purchase a home and don't have anywhere to live in 10 days. The burden on the consumer is unrealistic in order to access their money.
Consumer complaint received 2017-12-22
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. (TN)

The following two companies have been reporting over balance and the balance is below. This is causing a negative impact on my credit. 

1. XXXX XXXX XXXX XXXX XXXX you 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos ) 2. XXXX XXXX XXXX XXXX XXXX ( Card 2 ) You 're currently using 102 % of your account 's limit. 
Balance {$300.00} Credit limit {$300.00} Minimum monthly payment {$38.00} Opened XXXX XXXX, XXXX ( 3 mos )
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NV)

I am found to be a victim of fraudulant transactions made to my account that I in deed took into my own hands to file a dispute and attach all necessary documents to support my concerns and liability of my checking account with Chase bank. I Filed a police report and sent in evidence to show that I was a victim of somehow a person having access to all my belongings stolen in a car accident which left me with a XXXX XXXXXXXX XXXX XXXX along with my daughter on XXXX XXXX  and I need help changing this denial discions to collect what I was lost out from with the fund totalling up to {$40000.00} while being under XXXX XXXX and taking care of my daughter that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  while someone got access to all my accounts and taken all the funds out to use for their preferences of what I did not make. PLEASE HELP ME PLEASE
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I disputed a transaction and it was declined. We went to the restaurant and the place was over 100 degree and they didn't do anything about it. We barely touched our food. 2 of us got very sick. I tried with the merchant and the bank and I am not getting anywhere. 
XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX CAPITAL ONE BANK
Consumer complaint received 2019-10-04
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: Experian Information Solutions Inc. (IL)

I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. 
With all these data breaches Im not sure what to do
Consumer complaint received 2020-10-26
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. 

Equifax is the reason why this has happened!
Consumer complaint received 2017-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I XXXX XXXX XXXX of age citizen of the United States a victim of identity theft would like to make a complaint that I made an attempt to dispute items off my credit report due to identity theft and the credit agenciesrefused to delete and consider the FAIR CREDIT REPORTING ACT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) 611FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU CALIFORNIA CONSUMER CREDIT LAWS My desired outcome would be for this credit agency to delete inaccurate accounts that I did not open & stop asking for additional paperwork when iv'e already provided all documentation concerning my claim and proof of my claim. COPY OF ID, SSN, AFFIDAVIT IDENITY THEFY NOTORIZED, FCT REPORT POLICE REPORT AND THEY STLL WOULD NOT DELETE.
Consumer complaint received 2021-05-08
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: MoneyLion Inc. (IL)

A fraudulent account was opened on XX/XX/XXXX and debited from my checking account on XX/XX/XXXX. This was the date I became aware of the account. I contacted XXXX and was told they couldn't find my account. I went into my bank on XX/XX/XXXX and cancelled my checking account by having it switched to a new account and account number. The transaction was an ACH debit. 

I filed the FTC identity theft report online and mailed it and additional info to Moneylion at the New York, New York address as well as the XXXX Utah address listed under disputes. I also contacted the three major bureaus by phone, online and by mail with corresponding information. 

I didn't have any progress so I filed a XXXX  report around XX/XX/XXXX. 

I've also worked with my XXXX XXXX XXXX / XXXX  team to correct this problem. My credit dispute came back as the account stays on. 

My credit score has suffered and I am in the process of procuring a loan. The fraudulent Moneylion account is hurting me because it shows up as a new account and raises my credit utilization. 

I've provided all the necessary info to the lender requested on the fraudulent account and it has not been removed. 

They made it easy to open a fake account but difficult for me to remove.