davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting 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: Fidelity National Information Services, Inc. (FNIS) (TX)

To access my account and report, they denied to give me access. I tried logging in and it gave me a code to give to them once I called. When I called they said they couldnt give me access to my account with no reason and no access to my report.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Account Number : XXXX Name of Account : XXXX  XXXX Account Number : XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX  Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX XXXX XXXX XXXX Name of Account : XXXXXXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX  Name of Account : XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX  XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX Name of Account : XXXX XXXX XXXX Name of Account : XXXX
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX, someone stole a check meant for the mortgage company from my mailbox at home. They somehow photoshopped someone's name on it and cashed it ( {$1900.00} ) the within a few hours. Reported that issue to XXXX XXXX, MD police ( Case # XXXX XXXX : Wurst Badge : XXXX Phone : XXXX ), and Citibank ( XXXX XXXX, MD ) branch in person. The representative XXXX XXXX supposedly filed a fraud case, put a block on our account and opened a new checking account. I was told at the case will take about 90 days for investigation and resolution. On XX/XX/XXXX, I received a letter from Citi stating that the case is closed since I did not provide some affidavit which XXXX should have done for me. I called in the fraud team to find out XXXX did not file any case and that I need to go to the branch in person and file an affidavit. I went to the branch the same day, met with XXXX XXXX and she helped me file a proper case. In XXXX when I inquired with the branch XXXX XXXX XXXX who appeared to be helpful and said will personally followup. End of XXXX and XXXX, I reached out to her to get the response that case can take 90 days to solve. Now today is XX/XX/XXXX, inquiring twice in the last XXXX weeks yielded no response. Not only that I have been their customer since XXXX, Citibank has no regards to an issue, and is covered by the FDIC policy. I do not want to bother calling them again to resolve this. Would like CFPB take direct action to resolve it. I have all kinds of proof to present but Citibank has them. Please help. Thanks.
Consumer complaint received 2018-12-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have sent Navient my very personal private information three times already and they still are charging me late fees and put me in forbearance instead of IBR Plan! The last ( fourth time ) I sent the requested personal info including pay stubs ; it was returned by the post office. Im getting nowhere with them, and Id also like to be included in the ILLINOIS CLASS ACTION SUIT AGAINST NAVIENT because I fit exactly into the reason of the lawsuit. Please help me ( XXXX )
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (FL)

I had filed a complaint that this account should not be on my personal credit report because it is a business account, and I had requested from the company to proof otherwise. The company provided an account statement that clearly shows that it is a business account and it had my name on it. I am the owner and the director of the company, and that is why my name is showing on the account. However, the company has no proof whatsoever that I had signed any personal guarantee on the account and that I am personally responsible for the account. I had applied for the card on behalf of the company, and the card was issued to my company as a business credit card and not as a personal credit card. I am requesting a legal document, not just an account statement, stating that I am a personal guarantor on the account and signed by me. Thank you.
Consumer complaint received 2022-11-17
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)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXXXXXX 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 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

National Credit System never notified me of the debt or let me verify where this debt came from. I had to purchase a credit report to see where this claim is coming from. It claims the original lender was XXXX XXXX XXXX  XXXX but I moved out of that complex in XXXX of 2021 and did not have any balance with them whatsoever. I have attached the closing move out statement to prove I HAVE NO BALANCE WITH XXXX XXXX!
Consumer complaint received 2018-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK USA NA Someone used my name to get a card and made payments. I need help to remove this. Im hurt bad Payment History Youve made 89 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status 120-149 Days Late Amount past due {$770.00} Worst Payment Status 120-149 Days Late Account Details Account status Open Type Credit Card Responsibility Individual Remarks Dispute resolved ; reported by grantor Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

On XX/XX/2023, I received an email from Columbia Debt Recovery LLC stating that they had been appointed by XXXX XXXX XXXX  XXXX XXXX to collect a debt of {$5200.00} from me. Upon receiving this email, I promptly replied with a letter attached from XXXX, indicating that they had already sent a release letter to XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) on XX/XX/2023, and were awaiting their signature for settlement. I also forwarded this information to XXXX XXXX XXXX XXXX  XXXX, including the insurer 's response with claim number XXXX. Despite providing this evidence, Columbia Debt Recovery refused to acknowledge it and persisted in harassing me with emails and text messages. 

Subsequently, on XX/XX/2023, the insurer issued a letter confirming that they had settled the property damage claim with XXXX XXXX XXXX XXXXXXXX XXXX. In an attempt to resolve the situation, I contacted a representative from Columbia named XXXX and forwarded her the settlement letter on XX/XX/XXXX, along with proof of the insurer 's settlement and an acknowledgment email from XXXX XXXX XXXX XXXXXXXX XXXX. However, Columbia Debt Recovery did not respond to this communication and continued their harassment by demanding payment and reporting derogatory marks to credit bureaus in XXXX, which adversely affected my credit report. Despite disputing these actions on my credit report, Columbia Debt Recovery refused to remove the negative information, leaving the case unresolved and impacting my credit standing.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (CA)

Applied for the Chase Saphire card online via a pre-approval through XXXX. Chase did a hard pull on my credit history and then received an email stating simply and exactly " We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up to 30 days. ". 30 days passed and I did not receive anything from Chase in the mail. I contacted Chase customer support and they informed me that my credit application had been archived as it has passed 30 days. The customer service representative told me it was because my apartment number wasn't on the application so they couldn't verify my address. I requested to talk to some one in their cedit bureau department about having them remove the hard pull and they said they couldn't because they attempted to mail the address on the credit application. 

All of this would've been avoided on my end had I known that their credit applications get archived at the 30 day mark as i would've followed up before that. However, the email I received from Chase did not indicate this and only indicated that I should hear back from them in 30 days. This equates to very misleading and potentially harmful messaging to the consumer.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

LVNV Funding LLC on behalf of XXXX XXXX Texas XXXX has reported to XXXX XXXX XXXX that I owe {$350.00} and a second amount for {$1700.00}. 

I disputed both collection claims with XXXX as I never received any statements or past due notices from XXXX XXXX. Nor did I receive any collections notices from LVNV stating I was past due with Just Energy. 

I have not used XXXX XXXX nor any such company for electricity or gas utilities. Nor have I co-signed for anyone to obtain utility services.
Consumer complaint received 2021-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (TX)

Guaranteed Rate Loan Mitigation Department Mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX I am requesting an audit of my mortgage and would like to know why after nine ( 9 ) months, I am still in the forbearance program. I would also like to know what mistakes were made on my file. 
Due to XXXX, In XX/XX/XXXX, I lost my job. I placed my home under the forbearance program at that time. In XX/XX/XXXX, I contacted Guaranteed Rate wishing to begin making payment again. I was told to start making payments, so I did as of XX/XX/XXXX. I have not missed any payments since then. 
I contact Guaranteed Rate at least twice a month, sometime up to four times a month. I have spoken with numerous employees. I have left messages. I have had my account escalated to supervisor more than 15 times and have yet to hear from a supervisor. They do not return my calls. I was told that there was a mistake make on my account and that my file is in underwriting. Ive been told that that my file is with a supervisor waiting for them to sign off. Excuse after excuse. 
I have had NO resolve on my case/file. What is it going to take to get this matter resolved and to bring my home out of the forbearance program? Again, its been 9 months. I have requested to have my payments deferred several times. 
My house being in the forbearance program has made me miss out on opportunities to get my home refinanced to a lower interest rate. Quite honestly, I think its intentional and that the bank wants me to keep paying at the higher interest rate.
Consumer complaint received 2018-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The credit reporting company has been trying to address this for months yet the bureaus refuse to do anything other than reiterate they will reach out to the reporting company and update accordingly yet they have yet to do so.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-17
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. (NY)

I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.
Consumer complaint received 2022-11-17
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. (WA)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

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

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. 

CAPITAL ONE AUTO FINAN XXXX Balance - CAPITAL ONE XXXX Balance {$0.00}
Consumer complaint received 2023-01-30
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (MS)

Before filing a dispute on XX/XX/2022, with Lexis Nexis to verify XXXXXXXX XXXX XXXX. A dispute was filed with XXXX, XXXX, and XXXX the investigation letter stated XXXX XXXX XXXX was verified through Lexis Nexis. Lexis Nexis letter response to investigation verified XXXX XXXX Bankruptcy accurately verified with Court. On XX/XX/2022, I received a response letter from XXXX of the court stating that the court does not report or verify this information.
Consumer complaint received 2022-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

on XX/XX/XXXX, i applied for a auto refinance with capital one. they have not provided a copy of the contract. They paid off the vehicle by XX/XX/XXXX, which also invalidated my registration for my vehicle due to title change. Capital one never advised i would have issues with registering or using my vehicle. i subsequently noticed my tag was expiring and i visited the XXXX XXXX tax collector office that also houses vehicle registration. They advised that the vehicle is no longer legal to drive. i sent the paperwork required by Capital One on XX/XX/XXXX. On XX/XX/XXXX i began calling capital One, they advised nothing they could do, waiting on title. The previous leinholder sent the title to Capital One on XX/XX/XXXX. Capital One claimed they did not receive the title until XX/XX/XXXX. They advised they sent the information to Florida XXXX, but their website advises it could take a few months to process. I have no terms, or contract. I was not told I would be without the financed vehicle for months. everything this company has done has been deceptive. i advised i should be compensated per day for all the time i do not have the vehicle i am paying fir and they said that two months was within their correct processing time which was never communicated to me. They should be investigated for their auto refi process as a whole, there is no detail available anywhere from capital one.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A. (NV)

I am compelled to address the handling of dispute case number XXXX, regarding an online transaction dated XX/XX/XXXX, for {$120.00}, made on our online ordering website. This situation has not only highlighted a severe flaw in the dispute resolution process but also imposed an unjust financial burden on our establishment. As part of our fraud prevention protocol for online orders, we require customers to input and verify their information, including address, CVV, and zip code. This stringent process ensures transactions are authorized and legitimate. The order in question, having gone through and been verified by this system, clearly indicates the cardholder 's active participation and authorization of the purchase. Despite our adherence to these security measures and providing undeniable evidence of authorizationincluding a receipt signed by the cardholder agreeing to the chargeCiti Banks decision favored the customer. Furthermore, we are now facing an arbitration process, with an associated cost of {$500.00}, a fee that is not only unwarranted but exacerbates the financial losses from the disputed transaction and the costs of the goods provided. This decision undermines the trust and fairness expected in our relationship with Citi Bank, compelling us to question the efficacy and integrity of your dispute resolution mechanisms. The financial strain this situation imposesspanning the disputed amount, additional arbitration fees, and operational lossesdemands immediate reevaluation and rectification.