davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: DISCOVER BANK (MO)

On XX/XX/2019,  I stated clearly to DISCOVER that I was taking the offer for balance transfer of 0% APR at 3% Transfer fee instead of the alternative 4.99% APR at 0% Transfer fee.  Then on XX/XX/2019 at XXXX XXXX they show an email notifying the transaction as made at 4.99% and 0% Transfer fee. I initiated a dispute by phone on XX/XX/2019 and although they sent an email without detailing my claim I did send an email summarizing my claim on XX/XX/2019, I received a vague reply on XX/XX/2019 indicating my dispute was address yet DISCOVER account site still shows the debt at 4.99% APR and 0% Transfer fee. How can DISCOVER make an offer with two alternatives and then stick to the one I don't like. Can you present my alternatives? Balance Transfer # XXXX for $XXXX
Consumer complaint received 2021-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX # XXXX is reporting late payments with the 3 CRA XXXX 
I dispute this debt as I have never opened an account with this collection agency ; therefore, the collection agency is inaccurately and erroneously reporting a 30-day late notation.
Consumer complaint received 2019-08-14
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, I AM A VICTIM OF IDENTITY THEFT WHERE MY PURSE WAS STOLEN. I PROOF FARS MY POLICE REPORT. I NEVER HAD TWO CARS AT THE SAME TIME AND THE NEGATIVE ITEMS IM DISPUTING IS NOT MIND THIS FRAUD. CAN YOU PLEASE HELP ; I CAN NOT MOVE TO THE NEXT LEVEL IN MY LIFE OR RECEIVE MY PROMOTION AT MY JOB WITH THE BAD CREDIT THAT I DID NOT DO.
Consumer complaint received 2023-01-19
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. (CA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc. (LA)

I applied for financing at XXXX XXXX XXXX XXXX  store in XXXX XXXX, Louisiana in XX/XX/2018. I completed my purchase by paying my down payment and picking up my items. I paid early from XX/XX/2018 through XX/XX/2018 and Conn 's has been reporting that I've paid of -2 % of the financed amount. They have no payment history for me available whatsoever. Though the report states " good standing, '' the fact that my good consumer behaviour is not being reported negates that. Customer service is not aware of how to fix my issue.
Consumer complaint received 2021-07-14
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. (MI)

I was notified on XX/XX/XXXX that my Experian  credit score dropped by 25 points and my credit rating went from fair to poor. After researching my credit report I noticed that an old credit card account from XXXX XXXX  was now listed on my credit report twice, with the same account holder, account number and contact info. I am attaching screenshots that show the duplicate records. One key difference between the two duplicate records however was my payment history. The original entry on my credit report had my 3 years of on time payments for that account between XXXX and XXXX. The new duplicate entry did not have any of my payment history and simply had that it was a charge off. 

This duplicate entry on my credit report caused my credit rating to drop and my credit card FICO scores are now in the XXXX range. 

I submitted a dispute on the Experian website to address this duplicate entry on my credit report the same day on XX/XX/XXXX. After two weeks without a response I contacted Experian via their phone number and spoke to a representative that told me he would help get the duplicate removed from my credit report. 

What actually happened is that Experian deleted the original record with my 3 years of on time payments and instead kept the duplicate record that did not have any of my on time payments. 

I simply want this account to be accurate on my credit report and listed only once with my payment history intact.
Consumer complaint received 2018-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Thursday, XX/XX/2018 I received the below email from Capital One 360 stating that my accounts had been restricted until my recent activity can be verified. However, on Friday, XX/XX/XXXX they accepted the deposit of my paycheck through ACH. 

" We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 
We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 
Questions? Give us a call at XXXX. We're available Monday-Friday XXXX XXXX.-XXXX XXXX ET. '' Upon calling the number listed in the email I was sent to the voicemail of the Customer Security Intake Team where I left a message. I reached back out to Capital One 360 Customer Support and was told they can give me no information as to why my account is restricted & transferred me to the Customer Security Intake Team 's voicemail to leave another message with the expectation that I would be hearing back from them within 24-48 hours. 

A week has now passed and I have not been able to access my money nor have I been able to speak to someone who can explain to me why I can not access my money. I've made dozens of frustrating calls to Capital One 360, I've left countless voicemails, but it's become very apparent that as a Capital One 360 Customer Support Representative stated to me " they are on their own time '' and don't seem to care about their customers. I've had multiple payments be returned due to " Insufficient Funds '' although there is currently a positive balance in my account to cover those charges.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (OK)

So I have been getting harassing called phone calls from Bank of Oklahoma I get 14 calls a day all times of the day and the evening time I have tried to reach out to them and try to set up payments that I can afford I am unemployed due to the pandemic is still looking for work I have always been honest and sincere with this Bank they refuse to accept what I can pay monthly to them and I keep getting these harassment calls threatening calls threatening of harassment calls I am trying to fill this out and file a complaint against Bank of Oklahoma for harassment
Consumer complaint received 2021-03-30
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. (NY)

on XX/XX/2021 XX/XX/2021 and XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (GA)

The following account was opened in my name without my consent. Therefore, I am disputing the validity of this debt and requesting for the creditor to remove this fraudulent account immediately from my XXXX  credit report. Thanks. 

American Express
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NV)

I apply for my XXXX credit report annually via XXXX. For the past 3 years I have been unable to access my XXXX Credit Report through XXXX. Per XXXX, it is an XXXX website problem. As there is no telephone number that allows me to speak to a person, I must e-mail XXXX, which I have done numerous times over the past 3 years. To date ( XX/XX/2017 ) no response. I suppose that I could request a credit report by phone through XXXX, however, that seem to defeat the purpose of XXXX. Would you be so kind as to assist with my proble. 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Action Collection Service (ID)

I have tried to communicate with the collection agency and negotiate a payment or a payment arrangement. I was told by the rep at the collection agency they can not help or talk to me. They stated it was with an attorney and they would need to take care of it. I reached out to the attorney and was called by a secretary who then called back to the agency to submit my offer. They refuse to take any arrangements. They have also contacted me several time before XXXX am multiple times in a row calling back to back
Consumer complaint received 2019-08-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

In XX/XX/XXXX we obtained a 2nd mortgage with XXXX XXXX XXXX when we purchased our home. Several years later this mortgage was sold to XXXX. In XX/XX/XXXX we filed for Chapter XXXX   bankruptcy. We stopped paying on this 2nd shortly after and never received any further notification from XXXX. This no longer shows on our credit report.

In XX/XX/XXXX we decided to refinance our 1st mortgage. This was dragging out a bit, and in XX/XX/XXXX we were told we would have to clear the 2nd mortgage that showed up on our Title Report. We were shocked by this and tried to find XXXX, but they no longer existed. One small piece of paper that I found somehow linked XXXX to XXXX XXXX , who currently holds our 1st. I contacted XXXX, who told me on XX/XX/XXXX that this loan had been sold to SLS and they gave me a contact number. I contacted SLS on XX/XX/XXXX by phone and spoke with a representative who told me this loan had been archived in their system, but if I faxed my request for information, along with a copy of the title report they would work with me on how I could remove this lien. She said to expect it to take a few days for this to be done.

Later the same day, I faxed my request, along with a copy of the title report, to SLS. A week and two days later ( XX/XX/XXXX ), I called again and talked to a XXXX who said nothing had been done on it and she couldn't see a request. It was still archived. She suggested that I re-send my request and that I should hear back within 5 days. I re-faxed and also emailed my request on XX/XX/XXXX. I got a read-receipt from my email.

In the meantime, I'm having to communicate all of this with our potential new mortgage company.

On XX/XX/XXXX, I still had heard nothing, so I called again and talked to both a XXXX  and a XXXX, who were both appalled that nothing had been done. They said they emailed the proper department and that I should receive a phone call from someone later that day. They both implied that I should have received a response within 5 days.

Today is XX/XX/XXXX, we still have heard NOTHING.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CT)

Best buy credit card through Citi Bank I changed bank accounts and DELETED my old bank account and added my new one yet their autopay still billed the DELETED account and racked up overdraft fees on my bank account. Almost {$200.00} worth! They even charged my card AFTER I called and told them there was an issue. They refuse to take accountability for their system flaw and keep blaming me. If I DELETE the account from my account it's a pretty big security flaw that they keep it on file and continue to charge it. Now I have to fight with my bank to see if I can get a 1 time reversal on the overdraft fees even though it's not my banks fault it's Citis! This is absurd.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated (FL)

I can not withdraw money or pay my rent from my Way to go card from Florida reemployment. It keeps declining me. It was working fine in XXXX, I went to pay my rent for XXXX, and it declined ; I went to an atm again declined. So I ordered a new card and paid expedited shipping ; thinking this one was damaged, I activated it, and it again declined me. There is absolutely no way to contact anyone. All they have is an automatic response which doesn't provide any help
Consumer complaint received 2021-07-14
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: BARCLAYS BANK DELAWARE (NC)

XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

Barclay Bank Of Delaware - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX/XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

RECENTLY APPLIED FOR AUTO INSURANCE WITH XXXX XXXX AND WAS INFORMED THAT EQUIFAX AND XXXX HAVE PLACED A SECURITY FREEZE ON MY CREDIT FILES WITHOUT PERMISSION SINCE XX/XX/2015, THEY ARE TRYING TO COVER UP FROM SECURITY BREACHES OF THE PAST! THEY BOTH ARE AWARE OF BREAKING THE F.C.R.A. U.S.C. 15 Section 1681g and the DODD FRANK ACT.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I was always told I had a very low interest rate and that I was paying principle and interest, I just looked at my payments under the new company Nelnet and I saw my balance was $ XXXX. I have been on this loan since I graduated college and the balance has never gone down. I was told by the rep that they charge me $ XXXX {$4.00} a day on interest so my entire payment has gone to interest all these years have paid on my loan. How is this possible on a low interest loan by the government. I am XXXX and I owe more now than when I graduated college at XXXX?
Consumer complaint received 2020-09-07
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Auto Finance Co (AZ)

Though I didn't receive right to dispute notice they have also just recently started " flagging '' my account for charged off as bad debt! 

This has been a right off for nearly 2 yrs. And as soon as my scores started to climb they " flag '' it, when it's already been disclosed as a charge/write off now it's affecting my score
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2019-08-14
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. (NV)

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet you could not substantiate its representaiton.. You have provided information while knowing or having reasonable cause to believe that the information provided was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Consumer complaint received 2021-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

Hello, I sent 3 dispute letters to XXXX experian, and XXXX on XX/XX/XXXX disputing incorrect information from my credit reports and have not received any response as of yet. it's been 3 months, what is going on? I sent another letter to each of the credit reporting agencies in XXXX but, nothing again. From what I understand, if the credit reporting agencies don't respond they have to remove the disputed accounts, well, that is exactly what I am requesting - I want XXXX, experian, and XXXX to remove the accounts I disputed on XX/XX/XXXX which are XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and there is also an inquiry on my credit report that I never initiated from XXXX  on XX/XX/XXXX that I would like removed.
Consumer complaint received 2021-07-14
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. (OH)

Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XX/XX/2020says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX