davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TN)

Equifax and XXXX are reporting incorrectly a collection in the amount of {$14000.00} on the XXXX  XXXX  partial account number XXXX. ( Please see page 5 of the attached credit report. ) The original creditor is XXXX XXXX and this debt was released to XXXX XXXX XXXX XXXX XXXX ( Please see the attached letter dated XX/XX/2019. ) I am making payments on this account directly to the attorney of record. ( Attached is an accounting of payments made to date. ) I contacted XXXX XXXX and spoke to a representative requesting they contact the ( 2 ) bureaus to have this line item removed from my credit report. This account has been sent to collection and XXXX XXXX XXXX, XXXX hold the note. Therefore, XXXX XXXX needs to update the information on my credit report and accurately report that this account balance is zero and this debt has been released. Reporting a collection that has been released with a XXXX  balance is illegal and this incorrect reporting is harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to fix this, however I have been unsuccessful.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (FL)

I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof
Consumer complaint received 2021-05-20
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)

XXXX XXXX is still reporting a balance on a dental healthcare credit card account that was settled. On XX/XX/2021 a settlement was agreed to with XXXX XXXX in the amount of {$2100.00} which was 40 % of the original balance owed of {$5300.00}. The agreement stated that the account would be updated to reflect a {$0.00} balance owed and settled for less than full. On XX/XX/2021 I reviewed my reports and found that the account is still reporting a balance in the amount of {$3200.00}. I contacted XXXX XXXX and was told that indeed the account is settled and there is {$0.00} balance owed, they are sending me a letter stating as such. I inquired as to why it was not updated accurately on my reports and was told that the balance will remain on my reports even though the account is settled? This does not comply with the FCRA which states that creditors must report information accurately to the credit bureaus.
Consumer complaint received 2020-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I filed a previous complaint about no response to an offer of payment and, if not accepted, a request for verification of the debt. In response to my complaint filed here, the company said they would start the process of retrieving verification of the debt ( weeks after my request ).

It has now been two months since the first contact with them regarding this debt, and over a month and a half since my request for verification of the debt, and I have received nothing from them.
Consumer complaint received 2021-02-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have a credit repair company working on my credit report. An item was removed from XXXX, but Experian and XXXX  have not removed the same item. When I spoke to the representative at Experian and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from Experian and XXXX.
Consumer complaint received 2019-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

My sister passed away in California, 47 days later my Mother had accident and XXXX   XXXX out of state. In 6 institutions with my Mother on 2 different XXXX at work, XXXX XXXX. XXXX said you know this job, you were our # 1 XXXX XXXX, we like you however your job is over today. I asked when I would get paid for my new contracts being installed in next days? XXXX said never. I got a default because of life situation, I did my best to avoid. However Nelnet told me the only way to get out of this is start making direct deposit payment of minimal amount. Then I found under employed job while looking for another job, requested income base pay plan. I have reached out to Nelnet since XX/XX/2019 that amount is incorrect, 73 calls and 43 emails later still no resolution. Managers I requested, since no advisor could help or were documenting previous calls. Manager XXXX XXXX never called me back. Manager XXXX XXXX left message to busy with meetings. So I went to guarantor XXXX, forwarded my documents, and XXXX said would file a complaint, XXXX did not file complaint, mislead again. Who would have thought 12 years ago surviving near death accident, being told by Dr 's probably would not work again. No assistance at Nelnet Beware!
Consumer complaint received 2017-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (WI)

My payment was due on the XX/XX/XXXX, and through electronic payment, it was paid on the XX/XX/XXXX. My  checking account shows the money being taken out of my account on the XX/XX/XXXX. 

Four days later, XXXX XXXX sticks me with a late fee and claims it was paid on the XX/XX/XXXX. I called them, and they did remove the late fee but said to make sure it was paid 3 days ahead of the due date ( even though they took 4 days to process it ). 

Either the money is in MY hands or it is in THEIR hands, not somewhere magically in limbo. Charging a late fee because it " takes time to process '' is simply taking advantage of customers to get more money. Just because I called them out on it and they reversed the late fee does n't make it right. If it 's not in my account, then the bill is PAID!!! 

XXXX XXXX is not the only one who does this. I have had similar experiences with nearly every company accepting payments for services or credit. They all have explicit bank records showing when the money was transferred just like I do, and in this day and age there is ZERO excuse for not recognizing that date and time instead of the date it was " processed ''.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX of XXXX I called to have a new card sent to me from my credit card company Capitol One.They sent a card to the wrong address which was my old one.Which someone stole from the mailbox which was one of the reasons I moved from there because my mail was getting stolen. This is a {$500.00} limit credit card. Somehow these people were able to pull over {$1000.00} out of my bank account through my credit card I do not know how. But they got my bank information so Capital One paid my bank a payment of 800 and some odd dollars. They were supposed to also load my credit card. Well someone kept ordering a card over and over again every time I would order one they would. So I finally told Capital One to close my account and I would go ahead and pay them off I paid them down to where I only owed {$170.00}. Well I gave it a couple weeks I just called them yesterday and they said I called in on XX/XX/XXXX and reopen my account had a card expedited to me and have had money pulled off my card I told them that was not me. They would not lock my card in any way shape or form so nobody could get it except for me. They would not tell me exactly how this person was giving information to them and this is Capital One a big company I was shocked because they kept putting money on my account. It was just a huge mess and has been and somebody is still messing with the account right now they won't do anything about it I don't know what to do. They keep locking me out of the app so I can't send you guys screenshots. Anytime I call they tell me that they are putting me through to a supervisor and I have been hung up on and I have been told I'm talking to supervisor but then after a short conversation then told that the person was not the supervisor and they were going to get the supervisor it has been crazy.I got to the part where u asked for the card number the THIEF 'S keep ordering new cards i have no card if u call and ask for my account by name they will say i font have one but here is my social XXXX youll need it.
Consumer complaint received 2021-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a credit repair company working on my credit report. An item was removed from XXXX, but XXXX  and Transunion have not removed the same item. When I spoke to the representative at XXXX  and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from XXXX  and Transunion.
Consumer complaint received 2022-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

Jefferson Capital Systems LLC at XXXX XXXX XXXX XXXX. XXXX, MN XXXX has been sending me collection notices in the amount of {XXXX}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have contact with my signature.
Consumer complaint received 2021-07-13
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. (GA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose. I am so disappointed because this matter has needlessly affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2020-09-05
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: EQUIFAX, INC. (OR)

Companies involved : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX, OR XXXX ; ( XXXX ) XXXX Equifax I submitted a complaint to Equifax, stating that XXXX incorrectly reported that I missed a payment for my auto loan on XXXX, 2020. 

I received notice from Equifax ( Confirmation # XXXX ) on XX/XX/2020, stating that XXXX denies inaccurate reporting and my complaint case has been closed. This is incorrect. 

In XXXX, 2020, I was granted permission by XXXX to skip XXXX and XXXX payments due to hardship from the COVID-19 pandemic. They were not supposed to report negatively to credit  bureaus. Oddly enough, they report XXXX in good standing. 

I have never missed or been late on a payment prior to, or after, the pandemic grace period that XXXX gave me. It is unconscionable that a company would pretend to give hardship relief during the COVID-19 pandemic, then turn around and report consumers as delinquent.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

I got a alert that a card was opened, the same day of this credit card being opened I contacted Comenity Bank XXXX XXXX  Visa. 
I spoke to the fraud department which assured me that the account was closed as Fraud /Not authorized and that it will not show on my credit report.

1 week later I received a credit card in the mail I called again and spoke to fraud department and they assured me it was already closed, and that they removed any credit inquires, as well as account will be removed from credit report, not just showing closed but removed as I never opened it.

As of today it is showing open
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NM)

On XX/XX/2019, I received a notice from JP Morgan Chase Bank, N.A that checking account that was opened in my name was being blocked due to not providing information that the Bank requested. On the same day, I received a Chase Debit card also in my name for this account, card number : XXXX. I did not open this checking and contacted Chase Bank 's fraud department. I informed the Bank that the account was fraudulently opened in my name and asked that it be closed immediately. I also requested details of how, where, and when the account was opened in my name. The individual that I spoke with refused to provide me with any information regarding the account unless I provided her with my Social Security number. I refused to do this, as I am uncertain what information the Bank has. I requested a supervisor, who also refused to work with me to resolve this issue. I then filed a report with Identitytheft.gov and sent a form letter that was provided to JP Morgan Chase Bank, N.A on XX/XX/2019. Todate, I have not received any reply from JP Morgan Chase Bank, N.A. My concern is that a checking account was fraudulently opened in my name and Chase has been unresponsive to my inquiries or letter.Because of this fraudulent checking account, I have been forced to place a " Fraud Alert '' in my name with all of the credit reporting agencies. This has resulted in difficulty in opening new credit accounts.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021 I submitted paper to experian credit consumer agencies, to clear my good name and investigate this collection agency for not following the law! they did not follow the law and remove due to incorrect Information provided by collection agency. Also the collect agency has stop all communications with me to resolve the matter
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/XXXX - There was a fraudulent charge on my card for {$500.00} from XXXX XXXX in XXXX, Illinois. I got the alert and filed a dispute the same day - I LIVE IN MICHIGAN and do not have a lawn service. The charge was reversed ( temporarily XXXX. They issued a new card, etc. 

XX/XX/XXXX - They reversed the credit and charged the {$500.00} for the transaction back on XX/XX/XXXX AGAIN. They told me over the phone that the vendor provided proof that I purchased goods from them, but could not share that proof with me. Verifying the signature would have been enough to document that it was fraudulent. It was this month that I received a document stating the charge would be reversed, but then received another statement stating the claim was denied WITH NO EXPLANATION. 

XX/XX/XXXX - A gatekeeper of the fraud department opened a new fraud claim for me. 

At some point my claim that was opened XXXX was closed. I haven't received any correspondence since XXXX regarding the claim opened in XXXX. 

I have called back numerous times and nobody can tell me how to get my money back or show me proof that it was me that used my card ( it wasn't, obviously ). 

I even went as far as to contact XXXX  XXXX  XXXX  XXXX, Illinois and the elderly man that answered stated I wasn't the first person to call, that he doesn't take ANY type of card, he didn't even know how to. He is a cash and check only business and he does it on the side, he's retired. I passed this info on to BOA but they just said they would add the note to my file ... 

When I called back today they told me the claims agent didn't do anything with the additional info and closed my claim again XX/XX/XXXX. I STILL HAVE NO COORESPONDENCE. 

This sounds like someone skimmed my card, sold it on the black market and that person is using it OR someone has found a way to act as if they are " XXXX XXXX '' and they aren't. 

I just want my {$500.00} back plus interest. I made the minimum payment hoping they would get it resolved every month from XXXX - XXXX. I just paid the balance off because I have a feeling I'm never going to see that money again. 

I work for a small community bank and I have NEVER heard of a fraud claim handled this way. That charge should have been returned fraudulent. Period.
Consumer complaint received 2017-12-20
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Experian has been reporting a bankruptcy on my credit report for quite some time. I have sent them correct information with requests to validate and verify with the US Bankruptcy Court of XXXX  Illinois and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 & 623 of the FCRA. Experian 's response was a claim  that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the Bankruptcy court requesting to see this information that Experian claims to have verified. The Bankruptcy court sent a letter stating that they DO NOT perform ANY activities with the credit bureaus. I sent that letter to Experian explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 ) the information they are  reporting must be deleted. I called Experian on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a gentleman named XXXX from Arkansas on XX/XX/17.  XXXX was informative. He claims that Experian verified the information ; although, company policy could not let them share the alleged verification due to company policies. He stated that the info was viewed from a website but could not comment nor verify to the accuracy nor the source of the alleged website, which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ). I have notarized documents that  Child Support Enforcement has in their possession, which shows they have reported inaccurate information. So I am very confused how Experian can certify and still report this inaccurate information. 

I have been attempting to resolve this matter with Experian through mail, phone calls and various documentation and have not had any success. Please have this credit bureau remove the improper and unverified blemishes from my credit report. 

Thanks!
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (NY)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX XXXX VIN # : XXXX ) for {$14000.00} financed by Westlake Financial. The car dealer advised me to obtain GAP INSURANCE since the value of the car is less than the loan amount. I paid {$160.00} for the Gap Insurance thru Westlake Financial. 
On XX/XX/XXXX the car was involved in an accident ; XXXX declared the vehicle a total loss and sent an amount of {$9400.00} to Westlake Financial. The GAP Insurance was supposed to cover the remaining balance of the loan. 
To my astonishment, Westlake Financial sent me a bill for the remaining balance and I have to make a payment of {$240.00} on XX/XX/XXXX. I contacted them many times ( spoke to XXXX XXXX once ) and they kept telling me that they will remove the balance. I asked them to send me an email confirming that they will remove the balance, which they never did.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

Company is attempting to collect on a debt That was last paid in XX/XX/XXXX to another collection company. The date of last activity was more than 7 years and should be reporting. The account Delinquency date reported on Credit File is incorrect its showing XX/XX/XXXX and it should XX/XX/XXXX XXXX
Consumer complaint received 2019-06-09
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: WELLS FARGO & COMPANY (CT)

Several months ago, I had credit cards lowering my balance and marking me late. I fought it and submitted payment, and. XXXX XXXX never paid while living in marital home, I uploaded decree, they clearly dont care I do not owe XXXX in mortgage I have a small equity loan of {$30000.00} left from {$80000.00}. Problem with CT XXXX XXXX   XXXX XXXX AND XXXX XXXX, We hired an investigator which I paid for his belongings where there until XX/XX/2016.