davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (MD)

Credit was pulled to open this debt. Open date XX/XX/2017, {$17000.00}, Tried signing up with a Debt company to assist with the debt. According to the Federal law Fair Credit Reporting 15 U.S Code 1681s I have a right to privacy and should not had to apply to a debt collection company for this debt if it was not placed on my credit report. No written consent to add information on my credit report 15 U.S Code 1681b. The derogatory marks are not allowed on your report by law 15 U.S Code 1681c. Per Credit Law 15. U.S Code 1681c creditors agree to follow the law and have not done so 15 U.S Code 1681s-2 information is inaccurate. Name, amount owned etc. 

The account has been open on my credit report for almost 7 years.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (TN)

I currently have credit cards with XXXX XXXX and suntrust and due to the pandemic I had been having financial issues and as a result I have enrolled in a debt relief program to handle all of my debt called National debt relief. Suntrust was made aware of this over several months ago. Since being made aware, Suntrust bank revoked card privileges over 6 months ago. The problem I am having still is that this card is delinquent over 190 days and they still have card open and charging open interest fees/ late fees instead of charging off the card. XXXX XXXX went delinquent same time as Suntrust and cards are now charged off. I have called Suntrust credit card department several times about this issue and they are not giving a definite date as to when this card will be actually charged off. 

Why isnt the credit card account number fully displayed on actual statement??
Consumer complaint received 2019-06-10
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (GA)

A Certified/Return Mail was sent to this creditor, XXXX c/o ACS requesting that the account # XXXX for the amount of {$40000.00} they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX c/o ACS must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

A Certified/Return Mail was sent to this creditor, Diversified Consultant requesting that the account # XXXX for the amount of {$180.00} since XX/XX/2019 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. Diversified Consultant must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Consumer complaint received 2021-05-05
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. (IL)

I sent a certified letter to Experian on XX/XX/XXXX requesting that I be provided with the information of the company and or doucmentation that was used to verify the accurancy of the four bankruptices that are listed on my credit report I received the reseuts of the investigation and experian confirmed the accuracy but did not provide the information of the company and / or doucmentation that was used to obtain this information. 

On XX/XX/XXXX I placed a call to experian customer service. I was told that the company that was used to obtain this information is XXXX XXXX. I advised that I would like this matter re-investiagted because I have a letter from XXXX XXXX date XX/XX/XXXX that there is no receords of such Bankrupticies and that they were removed from their records. I also have a email of the United States XXXX court stating they do not verify any public information with the credit reporting agencies.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau of the South, Inc. (LA)

Collection Company -Delinquent Recovery -Amount {$240.00} This Debt was added to my credit last month report without any validation no notice through mail nor any contact was Made, I never received anything from this company I contacted them To Let Them know I am Not Paying Anything This Collection Date was A medical Bill From XX/XX/2015 Im not even Sure what this is For I had Insurance at that time I did not have a Balance from XX/XX/2015 according to XXXX XXXX I was not aware of this debt Without Proper Validation This Debt Collection Company Did not verify nor Validate this Debt It was just added to my credit report I am Requesting this Debt Be Deleted And Removed From My XX/XX/XXXXCredit report
Consumer complaint received 2019-08-15
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. (NC)

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2023-02-01
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: JPMORGAN CHASE & CO. (MI)

I am a victim of identity theft I notified the company of the fraudulent activity previously and nothing has been removed from my credit report I made a police report stating that any and all accounts opens before XX/XX/22 is not mine and I have no knowledge of opening
Consumer complaint received 2019-08-15
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. (NC)

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX  XXXX  XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Evergreen Recovery Solutions, LLC (TN)

ENHANCED RECOVERY CREDIT COLLECTIONS DATES XXXX - XXXX THEY WILL'NT STOP REPORTING WRONG INFORMATION TO THE CREDIT BUREAU ( XXXX ) I HAVE Asked THEM TO STOP. 
DEBT OWE IS XXXX I HAVE PAID THE ORIGINAL CREDITOR XXXX AND I HAVE PROOF. I ASK THEM TO STOP CALLING ME AND REMOVE THIS FROM MY ACCOUNT. THEY WILL NOT STOP AND I KEEP DISPUTING THIS WITH XXXX AND THEY're SAYING THE COMPANY HAS SAID THAT INFORMATION IS CORRECT AND THEY Won't REMOVE THIS ITEM. 
I HAVE DISPUTE THIS SEVERAL TIMES. PLEASE HELP ME. THEY ARE VIOLATE MY FAIR CREDIT REPORTING RIGHTS.
Consumer complaint received 2021-05-20
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. (VA)

I have submitted several disputes on behalf of the incorrect information being reported on my credit report. The last dispute was received by the credit bureau on XX/XX/2021. Since then, I have not received a response regarding the investigation I requested into the information on my report. Per the FCRA, the credit bureau is required to respond within 30 days which has not happened. The credit bureau has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. None of this has happened and as a result my personal credit has continued to suffer.
Consumer complaint received 2018-06-15
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: NCSPLUS INCORPORATED (NJ)

I went to XXXX XXXX COLLEGE in XX/XX/XXXX. I received FAFSA and they handed me a refund check. Sometime later, they stated they refunded me the incorrect amount. I asked them what was the amount due back to them ( I can't even remember now, but i know it was around $ XXXX-XXXX ) and I was unable to pay them back as I was a broke college student. Months later, I saw they sent to me collections for {$1200.00}. I was very upset, so I called them to let them know that the amount was incorrect and that was FALSE reporting. The woman on the phone said they will remove it once my debt was paid, I told them to correct the balance and they REFUSED. Fast forward to XX/XX/XXXX, The debt IS STILL THERE and it's still with an incorrect balance of {$1200.00}. I contacted XXXX College ( because XXXX XXXX college has since then DISAPPEARED and " merged '' with XXXX College ) and I received a letter stating that my debt was {$340.00} and they contacted the agency to correct the amount on my credit report ( letter is dated XX/XX/XXXX ) but it still reflects {$1200.00}. This has been on my credit report for 8/9 years. I thought these debts have to be removed after 7 years. This has truly affected my credit and if it were fixed YEARS ago it would have been paid, and I could have bought a house but because my credit STINKS because of them, I am not able to do the things ( such as buy house ) I need to do for my family.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NH)

I was trying to temporarily lift the credit freeze using a pin that I placed a couple years ago. At both XXXX and XXXX  I was successful however due to unknown difficulties with Experian it seems I will not be able to do this today. 

For Experian I have the pin, however the online entry system rejected my request. Instead a long message came up as attached that says I need to mail them ALL of my valuable identity information. I do NOT want to send my SS #, copy of driver 's license, utility bill in an envelope -- Asking customers via mail seems is an invitation to identity theft as one only needs to look for mail addressed to " Experian Security Freeze '' to grab all of the sender 's personal identity information. 

Finally, no one can be reached at Experian. It seems there is ONLY the automated system and no customer assistance by phone. Are credit bureaus required to have phone support? What about the people who do not have access to a computer? 
-- -- -- -- -- -- -- -- -- -- -- In conclusion, I want to be able to ensure this is fixed and that I can instantly lift the freeze at Experian in the future. I do not trust their process at this point and am concerned that I do not have control.
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

Placed a check from XXXX XXXX XXXX XXXX into a Chase ATM ( my bank ) on last Friday. Have talked with my employer and XXXX and the check has cleared since Monday. I went into a local branch and called the 1800 number chase provided but they say there is still a hold on the check. I am going to bounce my account if this isn't settled soon. 

Had an account with them 10 years.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2021 I had XXXX ATM withdrawals that were not mine and I did not authorize. The amounts were XXXX, XXXX & XXXX. The next time I attempted to use my card I had insufficient funds in my account to do so. I immediately contacted the bank and they did issue a credit to my account for the charges I disputed. I received a email today stating that my claim has been denied. The reasons being " Our research shows this transaction occurred with a chip card at a chip-enabled terminal. '' These charges were not mine. I'm not sure how far the investigation went but I was certain that when they seen the camera from the ATM used they would have to realize my claims were justified.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX Bank XXXX Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-05
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: Affirm Holdings, Inc (RI)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

Loancare fraudulently resubmitted an online billpay check to my credit union. The second payment from my account taken on XX/XX/19. The initial payment was paid by my credit union on XX/XX/XXXX, then Loancare retried it on XX/XX/XXXX and my Credit Union paid it again causing overdrafts, etc.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

COLLECTIONS ON MY CREDIT REPORT ARE INCORRECT AND CAUSING ME FINANCIAL HARDNESS. 

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 2019-08-15
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. (NC)

Equifax ; XXXX and XXXX  are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User to this account. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My current mortgage company is trying steal {$3000.00} Plus dollar to put in escrows account of mines as they are saying it for an property tax.I double check with my county and they inform me there was no payment or back payment due. They won't provide me with any document of the payment was made but Inform me it was for my property. I check the email they made the payment to and it was for an different county.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

A lawyers group called XXXX XXXX XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX XXXX nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XXXX. 
The credit card was supposedly used in XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-09-15
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL INC (SC)

Summary : Coast Professional ( debt collector ) is using false information to intimidate and mislead Perkins Loans holders into paying debt that is supposed to be forgiven. 

I am a Federal Perkins Loan holder. For five years I worked as a XXXX XXXX XXXX ( high needs subject area ) in a Title 1 school. Both of these qualifications make me eligible for yearly deferment of payments and cancellation of a portion of the loan each year for 5 years until the loan is entirely forgiven. Every year I have filled out the required paperwork which includes employment verification from the school district I worked with. This year, even though they have accepted it in the past, the lender XXXX XXXX XXXX ) rejected my application because it was signed with a digital signature. Their current paperwork even states that digital signatures are accepted. Anyway, in the process of redoing my paperwork, the lender sent my loan to collections ( everything has to be done by snail mail because the district 's official stamp - required by the lender - will not show up when electronically scanned, the paperwork has to be completed at the DO - no one at my actual school could do it - per lender 's requirements, and I live an hour from the town where I taught ). 
So, my loan ended up with Coast Professional. When I called XXXX XXXX to dispute everything, they told me I needed to call Coast Professional and ask them to send the loan back to them. XXXX XXXX conveyed that this would not be a problem. I think they knew better, but I've already sent in a complaint about them. 
The first person I spoke to at Coast Professional ( I believe the date of this call was XX/XX/2022 ) claimed they could not help me, and my only recourse was to either consolidate my Perkins Loan into my PSLF loans ( which would effectively require me to make payments on the Perkins Loan which was eligible for immediate forgiveness ), or to set up a payment plan with Coast Professional. I refused to do this and demanded the company do what XXXX XXXX told me they could do. This call center employee then transferred me to a " manager '' who FALSELY claimed I had lost my eligibility for forgiveness because the loan was now in default. Eligibility for Perkins Loan forgiveness can not be taken away as a result of late paperwork or other clerical errors that put it into default. This is FACT ( which I know because I've gotten my university involved in this matter ). She then threatened to share negative information about me with my university. I told her I would call them myself and asked for the number she had. She gave me a phone number that turned out to be fake and not associated with my school. ( All of my university 's numbers begin with the same three numbers, this one did not and went to XXXX XXXX of XXXX recording ).
Consumer complaint received 2022-04-03
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. (PA)

In XX/XX/2022, there were several negative collection accounts disputed and removed from my credit report but Experian did update and increase my credit score.
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAINE & WEINER COMPANY, INC. (FL)

ON XX/XX/XXXX I WROTE A LETTER TO PROGRESSIVE CAINE & WEINER, XXXX, XXXX AND XXXX. THAT WHEN I HAD PROGRESSIVE WE HAD JUST ENTERED A WORLD WIDE PANDEMIC AND I NEEDED TIME TO PAY. UNFORTUNELTY I HAD LOST MY JOB AND WAS GOING THROUGH HARDSHIPS IN MY FINANCES. THEY HAVE NOT RESPONDED TO ME IN ANY WAY. 

ACCNT # : XXXX DATE OF INQUIRY : XX/XX/XXXX
Consumer complaint received 2019-08-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (CA)

Step 1 : What is this complaint about?

This complaint is in reference to an end of lease invoice mailed by Honda Financial Services.

Step 2 : What type of problem are you having?

I am having a problem getting wear and tear fees as well as additional mileage fees removed on my final invoice.

Step 3 : What happened?

Prior to signing the lease, I purchased an optional warranty. Specifically this warranty is a autoguard excess wear and tear warranty for a period of 36 months. Unlimited miles are also specified on the warranty which is in the lease contract.

Step 4 : What company is this complaint about? 
Honda Financial Services Step 5 : Who are the people involved? 
Honda Financial Services ( Lessor ), XXXX XXXX ( Lessee ).