davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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. (TX)

I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$58000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of EdXXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Consumer complaint received 2020-07-14
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. (TX)

On XX/XX/2020 a mailed a formal letter to TRANSUNION requesting documentation validating ( provable documents as to the accuracy, completeness, timeliness and otherwise compliance of how account is reported ) of XXXX XXXX/XXXX Account # XXXX that is listed on my report. On XX/XX/2020 Transunion responded with a letter that investigation is complete however they failed to provide the requested documentation as mentioned above. 

On XX/XX/2020 I mailed a formal letter demanding that TRANSUNION provide validation documentation and allowing 15 additional days to review and comply. 

As of today, XX/XX/2020, TRANSUNION has yet to provide this information within the allotted initial 30 days or the additional 15 grace period. Therefore I request that TRANSUNION delete this account from my credit report immediately.
Consumer complaint received 2018-06-14
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. (NJ)

THIS IS NOT MINE. XXXXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXXXX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
Consumer complaint received 2020-07-15
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. (CA)

I have attempted to remove two accounts off of my credit two times via certified mail. XXXX, XXXX  and Transunion have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Consumer complaint received 2018-06-14
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I have lost my income, and my First Citizens Business Credit Card is long overdue. On XX/XX/2018, First citizens Bank called my in-laws and left a message about my uncollected debt.

This is unacceptable. I have never lived with my inlaws or listed their number as a way of contacting me. They must have found this information with a XXXX search of my next of kin. I do not want my inlaws involved in my personal financial business. This is a serious breach of confidential information, and it is harassment. 

What can I do to stop these calls?
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I believe I 've been the victim of a timeshare fraud in XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX I entered into an agreement with XXXX XXXX and XXXX XXXX XXXX. They agreed to pay me {$15000.00} for my residence at XXXX XXXX, which I purchased in XXXX, if I paid them {$110000.00}. The transaction was headed by a gal name XXXX XXXX and XXXX XXXX. I have included all the pertinent contact information for both XXXX XXXX and XXXX XXXX, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from XXXX XXXX. 

The reason I believe it is fraud, is that the same thing happened to another person with whom I had a conversation, and the exact details of my experience were the same as theirs. They employed the services of an attorney and finally were able to retrieve their money. 

The promise of this deal is that if I give them the {$11000.00} they will pay me {$15000.00} for my XXXX XXXX property within 90 days. The bottom line is that they get their money but for various reasons I will never see mine.
Consumer complaint received 2018-06-14
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (KS)

Received credit fraud so I tried to validate the accounts by asking for signed contracts. Ive sent in numerous letters spent hundreds of dollars and neither company has yet send me a document showing my signature within a contract. Ive also submitted police reports that theyve received numerous of times but have yet verified these accounts by signature or contract showing my signature. Ive been trying to get the validation since XX/XX/2017-present and have yet to get a letter other than the computer typed letter that doesnt give me any information regarding my contract or the information I requested.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Slovin & Associates Co., LPA (KY)

Slovin and associates XXXX based in Ohio is a debt collector that garnished my wages on XX/XX/XXXX from my employer. I contacted them and they informed me they had a judgement from XX/XX/XXXX. I told them I was not aware of any court dates and have never signed for any certified letters from them. They said they were collecting for XXXX XXXX from a account I had back in XX/XX/XXXX that was closed XX/XX/XXXX. The account was closed due to XXXX   overcharging customers for overdrafts and there was a class action settlement in XX/XX/XXXX that I was part of regarding XXXX  unlawful banking frivolous overcharges. I submitted the correct paperwork to be in the lawsuit that was finalized in XX/XX/XXXX. I called XXXX on XX/XX/XXXX and told them about the debt collection agency putting a wage garnishment on my check and they said they never sold the debt to Slovin and associates they said XXXX XXXX XXXX bought the debt and XXXX XXXX went out of business and slovin and associates probably bought it from them. Slovin and associates said they don't buy debt and they are collecting for XXXX. XXXX said my checking account was part of the settlement and slovin and associates should not be collecting for XXXX  since it was paid out in the settlement the balance should be XXXX for overdraft charges. I was part of the XXXX XXXX  dollar lawsuit in XX/XX/XXXX. I submitted my info to the XXXX web site inXX/XX/XXXX.
Consumer complaint received 2018-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX XXXX says TransUnion. And XXXX can not submit my credit. Send to to lock and alert which requires money and sends back to annual credit.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

The debt collector failed to provide information to verify debt when asked for validation of the debt. The original letter received from the debt collector did not inform me of my right to request validation of the debt within 30 days.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J. Ritter Law P.C. (NC)

Hello, I have submitted a complaint first on XX/XX/XXXX, today I followed up with J Ritter Law and sent them an intent to settle. I just want to add this to my paperwork regarding my complaints. I have added the updated sheet of the violations and sent them the notarized copy. Thank you I cant wait to hear the response and move forward
Consumer complaint received 2020-07-15
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: Santander Consumer USA Holdings Inc. (SC)

Santander Consumer USA has settled a lawsuit with my state SC for their predatory lending practices and agreed to remove negative reporting on affected consumers reports. I disputed this companys negative inaccurate information and nothing was done except the company adding an additional negative damaging statement.
Consumer complaint received 2020-10-18
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. (MO)

I filed a dispute with Transunion regarding inaccuracies found on my Transunion credit report. Transunion claims they did an investigation and updated the accounts, did not provide me with physical documentation substantiating their investigation. The accounts are still inaccurate and are a violation of the FCRA
Consumer complaint received 2020-07-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I filed dispute regarding inaccurate information that is being reported on my credit file. I have not received anything regarding my dispute results which have been well over 30 days.
Consumer complaint received 2020-07-15
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: BARCLAYS BANK DELAWARE (NV)

On XX/XX/XXXX I purchased two round-trip flights to and from XXXX from XXXX using my Barclays credit card. 1 flight was charged under XXXX   XXXX and the other charged under XXXX XXXX. 

XXXX cancelled all international flights starting on XX/XX/XXXX ( XXXX XXXX  XXXX ). XXXX cancelled my flights as they were both international traveling to and from XXXX via XXXX XXXX, NV where I reside. My departing flight from XXXX XXXX was originally scheduled to be on XX/XX/XXXX and my returning flight to XXXX XXXX from XXXX was originally scheduled to be on XX/XX/XXXX. 

When I logged in to view my flight status the day of my departing flight on XX/XX/XXXX, my departing flight number XXXX was shown as missing ( see attached document " XXXXFlightDoesn'tExist '' ). Please see the attached document " XXXX '' that shows my flight numbers. I also attached the document " XXXX '' that says they cancelled international flights starting on XX/XX/XXXX. This was viewed on their website the day of XX/XX/XXXX. 

XXXX cancelled my flights. XXXX did not give me a voucher or any form of compensation. Regardless, I did not wish to reschedule or otherwise make new plans for traveling. XXXX 's customer service phone lines were disconnected when I tried to reach them. I sent two emails to XXXX 's customer service requesting a refund for my flights that they cancelled. They never responded. 

I then disputed the two charges for my flights with Barclays. While Barclays credited me for 1 of the 2 flights, Barclays sided with XXXX for the second flight and did not give me my money back for the second flight. The disputed charge ( XXXX   XXXX ) for {$300.00} was reposted to my account. This is not right because the merchant, XXXX, cancelled the service I paid for and thus I did not receive the service. According to VISA guidelines regarding disputes, " Merchants are ultimately responsible for issuing a refund to the cardholder when the merchant has cancelled the service. " ( XXXX XXXX XXXX  ) The U.S. Department of Transportation also states " A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' ( XXXX XXXX XXXX ) I want to reiterate that the merchant, XXXX, cancelled my flights. I did not voluntarily cancel my flights. I filed a reassertion for the disputed charge that was not credited back to me in XX/XX/XXXX via email ( see attached " Reassertion on Disputed Charge '' ) and by postal mail. On XX/XX/XXXX, XXXX indicated they are still on the side of XXXX and refused to credit me the {$300.00} charge. 

It is unfair that I paid {$300.00} for a flight that was not provided and Barclays seems to think this is appropriate by siding with the merchant despite DOT and VISA guidelines indicating I am entitled to a refund if the merchant cancels and does not provide the service.
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Billing disputes — 
Company: ENCORE CAPITAL GROUP INC. (MI)

im being billed for a credit card that is not mine over 7 yrs old they been stealing my tax returns the orignal creditor is first consumers XXXX XXXX XXXX XXXX account number is XXXX want it droped of my credit report and i want all my money they stold back with intrest
Consumer complaint received 2017-01-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: North American Credit Services (FL)

XXXX Hospital has repeatedly repeatedly turned my medical bills over to collection. They now have sent this ONE AGENCY XXXX BILLS. They have been told by me a million times that I have XXXX through the state of Florida as a secondary insurance and they are not submitting these bills there. They immediately turn them over to collection, then I am harassed by the collection agencies and my credit continues to be destroyed.
Consumer complaint received 2023-02-07
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: Kikoff Inc. (MI)

Message from Kikoff related to your Claim with XXXX XXXX We received a dispute from you on XX/XX/2022 totaling {$200.00} for the following transaction. 

Unfortunately they haven't responded or done anything to address the this dispute. 

THE TIME FRAME OF 2 COMPLETE BILLING CYCLES WAS ON XXXX I've called over and over and even when I tell them that the FTC has federal regulations about this and that they're in violation of it. They still don't care.
Consumer complaint received 2020-07-15
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: EQUIFAX, INC. (CA)

I have attempted to remove two accounts off of my credit two times via certified mail. Equifax, XXXX and XXXX have not helped me at all! I am seeking to get this resolved. I think my identity was stolen or I was hacked because these accounts arent mine.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

Sometime in XX/XX/XXXX, I noticed that {$7500.00} had been added to my checking account at Navy Federal Credit Union. I wasn't sure about how those funds were added because the regular deposits I have sent to my savings account plus COVIN money was approximately that amount. Then I discovered that the {$7500.00} was sent to my checking account from my Credit Card account. Then I discovered that my checking account was charged {$32.00} for interest on the {$7500.00} loan. I never applied for a loan. I did not want a loan because I did not need a loan. I had several telephone calls with NFCU all with unsatisfactory results. I requested NFCU to cancel my Credit Card account. I then destroyed my NFCU credit card. They ignored my cancel request and sent me a new credit card. I destroyed the new card without ever using it and made another request to cancel my credit card. My request to close my credit card account was finally honored and the {$7500.00} and {$32.00} interest transactions were reversed. At present my savings account and my checking account are frozen. This occurred some time in the beginning of XX/XX/XXXX. I use my NFCU checking account to pay bills online and my saving account receives funds from several income I receive monthly. NFCU claims my accounts have been frozen to protect my funds, but now I am facing late payment charges from my creditors and a lessening of my credit rating. I need to have my accounts unfrozen so that I can close all my NFCU accounts and transfer my funds to a different bank. Yesterday, XX/XX/XXXX I received a letter from NFCU that didn't make any sense at all. I will attach it to this complaint.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-07-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I submitted disputes to Experian, XXXX, and XXXX. I have yet to get a response on the investigation. This is in violation of the law as it has been more than 30 days.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: First Help Financial, LLC (GA)

I received a credit report I noticed a lot of unauthorized inquiries all around The same that I have not done myself or been to these places I have not given anyone my information so someone else must have done it I ask at the time they be removed by law as inaccurate information and unauthorized use of personal information by FCRA Permissible Purpose law please look at my report & & remove these XXXX unauthorized hard inquiries on dates of XXXX & & XXXX and date of XXXX car dealerships all have used my report in some way reporting wrong information that I have not done myself if my information was in use it was not me I have made a report with the Federal trade commission about the scams and bad business being reported to my account. I asked that they all be removed and terminated it immediately.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I pay my mortgage online through my bank with an automatic payment set up. Ive had the same set up since the loan inception I believe it was in XXXX. It gets sent out the same time of the month every month and theres never been an issue. I checked with my bank and all checks have been cashed that were sent to the mortgage company. My mortgage company states they did not receive XXXX XXXX mortgage payment. I also looked and saw one that several of my payments have been marked as late in XXXX which I know that is not true. The bank has a local branch here in XXXX XXXX so I want to try and fix it at the branch. When I got there I was met at the door by a gentleman that said that they are closed to customers because of Covid everyone has been working at home. The gentleman then proceeded to tell me that dozens of people come by there every day with the same complaint they say they have paid their mortgage as they always have and theyre not being credited or marked as delinquent. The gentleman states that because everyone is working at home things arent being properly credited and theyre not being credited on time. I have since gone to the mortgage website directly and an automatic payments through the mortgage paint company that way they cant say that Im not paying on time. I have lost 100 points on my credit score because they falsely reported that I did not pay my loan. I have since gone onto their website and paid everything that they said I owed in one lump sum and actually paid ahead so that they cant pull this with me anymore. The fact still remains that they cash the check of mine and did not give me credit for it. The other thing I want to clear up is how they ruined my credit by falsely reporting that I did not make my payments either at all or on time.
Consumer complaint received 2017-10-15
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. (PA)

I never finished the program they had me audit the Program to get back into the class then told me there was a waiting list. I never had counseling. They gave me the loans I have not been able to pay them they have been on deferment over and over because they make my payment higher than half my salary. My loan is atleast 10 years old and constantly accruing interest. I do t have specific dates right now. To be honest I email Navient every few months no reply or help yet
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.