davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I bought two pieces of furniture ( sofa and a Recliner ), both from " XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' and both have bugs in it, I can not use both piece of furniture and they are in usable. 

I bought the sofa for {$690.00} plus tax, and Recliner for {$400.00} plus tax I used Synchrony home Store credit card to make this purchase. 

I first tried calling the store and solving the problem on XX/XX/2019, I called them at the phone number XXXX and left a message with the store clerk for the store manager " XXXX '' to give me a call back. I called him twice but to no avail. 

After that I called the Synchrony home store credit card to solve the problem. Sometimes it connects to XXXX XXXX Call center and other times in XXXX, both the times customer service agents told me that they will first contact the store and call me back with the update, but I never received call back from them.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I changed bank accounts and I had set up automatic payments. Somehow the auto payments didn't take out the first month. I didn't even know, I didn't receive anything in the mail or email. I didn't see anything on my banking show me anything different and I was hit with a 30 day late. I tried working this out with Kohls/Capital One and they did not care what the situation was. I have never been late with them before or since. This was a fluke on banking. I have since switched back to my regular bank account and wont be switching account any time soon as this was a mess.
Consumer complaint received 2020-07-24
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. (NJ)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-01-18
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (IN)

I spoke with Sallie Mae regarding a loan my ex-husband has and I am a co-signer. The customer service rep did speak to me. However, when I asked about options since I am unable to afford payments, the only option given was to pay the $ XXXX+/month. My ex husband states he has never received the paperwork needed to file forgiveness based on total XXXX. I asked they send it to my email address. I was told they could not do that since I am only the co-signer. I then asked them to please send another set of paperwork to him at his address and and email. I was told I could not request the paperwork be sent only he can. I am the cosigner. I am being threatened with default. I am trying to make sure the paperwork is received and then filled out, but get a stopped when trying. If they can threaten me over the payment, why can I not request paperwork be sent? It appears no matter what we try to do, they will make it difficult to get this resolved.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TX)

Subject : Formal Complaint Against Nelnet for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against Nelnet, a student loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with Nelnet to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that Nelnet had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted Nelnet to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, Nelnet refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with Nelnet 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

I started to receive letters from Midland Credit a couple months back for a said amount of {$1600.00} that they claim I owe. Midland Credit is now threating to sue me and damage my credit without the proper validate this debt being provided to me. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge Off XXXX XXXX {$24000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2400.00} Collection XXXX XXXX {$620.00} XXXX XXXX-XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX ( Original Creditor : 06 XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NC)

First off I have repetitively told them to not call me since not only was at & t trying to collect a debt when I got laid off due to the pandemic and the company I work for shedding off debt this debt collection agency sunrise capital services has been continuously harassing me during the point of the executive order that prevents debt collectors from collecting debts at this time. Also at some point I was told by an agent they would report my debt to negatively affect my score and hurt me really bad to the point I may not be able to recover.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (WA)

My loans thru nelnet/department of education were transferred/sold to XXXX in XXXX of 2023. A total balance of XXXX was transferred to them and I have been making payments to XXXX for the loans since XXXX when payments resumed after the pause. 

Nelet is still reporting I have a total of XXXX in loans remaining to them. These loans are already included in the XXXX transfer. The loans amounts showing up on all XXXX of credit report are : Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Acct # XXXX balance XXXX Not only do they show up with balances. They show a XXXX payment due on these accounts. I have repeatedly called and spoke to agents to get these taken off my credit report and they keep telling me XXXX needs to remove them. This has nothing to do with XXXX because the other loans are removed but these still remain on my credit report. XXXX already told me there is nothing they can do on their end because the reporting isn't coming from them
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am XXXX XXXX, and I am the author of this complaint, there is no one acting on my behalf. This is not a validation of debt request, and no response in that manner is requested, however- if you attempt to, please understand that then I request full disclosure on the method of verification, and sources of such validation, in addition to the disputed items listed below, The Tradeline in question is the XXXX - XXXX, where the following items are incomplete/and or inaccurate. 

1. Date of Last Activity- is Blank, and should not be 2. Date of First Delinquency, is inaccurate and can not be supported by the incomplete Pay History 3. The Payment History is incomplete, and then inaccurately representing this tradelines final state 4. " R '' is never reported in Pay History 5. Comments says Repo, but Payment History does not support this 6. The Date of last Payment is wholly inaccurate 7. The DOFD - FCRA Date - then, is wholly inaccurate 8. Date Closed is BLANK but is required, as per compliance Account says Status Closed - but, payment history and Tradeline data do not support it 9. Charge off amount - is Blank, and can not be when Status - is Charge off - Sold Rules are mandated by Metro2 - XXXX XXXX, Creditor Please resolve the tradeline to be accurate - or delete it. 

Attachments XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (MO)

XXXX Bank allowed an insurance company take out money from my account that I did not have in there. I had closed the account and there should have been zero activity on it. Due to XXXX bank 's error, I was overdrawn XXXX and they sent it to a collection company and now it is the only negative item on my credit report.
Consumer complaint received 2021-06-08
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. (AZ)

XXXX XXXX XXXX XXXX, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately.
Consumer complaint received 2018-02-12
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. (FL)

I have sent multiple letters and made request online in XX/XX/2017 to have fraudulent inquiries removed from my credit profile. Equifax has been no help in this situation even with my Personal Information being impacted twice by their cyber breaches. Equifax did not look my disputes they sent me a generic letter explaining what an inquiry was instead of helping rectify an issue caused potentially by their breach.
Consumer complaint received 2018-07-15
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. (IL)

I was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Consumer complaint received 2021-06-08
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: Fidelity National Information Services, Inc. (FNIS) (OH)

I need my ChexSystems report to review for errors because I received a letter of adverse action. I requested my report via Internet in XXXX. I still do not have it as of today, XXXX. Further, the company has not communicated with me as to the status. I need to fix any errors because Im a victim of identity theft/fraud ( duly-reported and recorded in XXXX XXXX, CA ). 

Ive just tried re-pulling my report, but the website shows an error that the report is frozen and that my PIN does not match. I never received any communication in the Mail or otherwise regarding either the report itself nor the PIN. 

Please help me get this and in an expedited manner. Thank you.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WI)

On XX/XX/XXXX, Jefferson Capital Systems opened a collections account for a debt that they claimed I owed for an old phone bill. Several agencies have attempted to collect this debt in the past, and each time I have requested a copy of the contract to verify the debt. When Jefferson Capital first contacted me, I replied to their request on their website, disputing the validity of the debt and requesting a copy of the contract. They provided nothing in response but instead have added the account to my credit report at all three of the major bureaus. I have disputed the entries with those bureaus, but each time Jefferson has " verified '' the accuracy of the information with them and the items remain on the reports. 

On or around XX/XX/XXXX I called Jefferson Capital to request that the items either be verified properly or removed and again I have received no response. 

Jefferson Capital is refusing to provide proper verification of this debt and as such should be required to cease its collections efforts and remove the offending items from my credit report.
Consumer complaint received 2021-11-09
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)

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through TransUnion my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial (IL)

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, Westcreek, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I extended my car lease, Infiniti XXXX, for additional 6 months after due date. The additional payments made lowered my actual payoff amount to {$26000.00} vs the amount listed on lease agreement {$29000.00}. The company is refusing to use the additional monies paid towards the payoff, and charged the full value listed on lease agreement to buyout the car. I spoke to supervisor XXXX, who said that he will honor the old guidelines, since they were recently changed, and will issue a refund between the difference of two values. He also said that he will call me back and never did. I called the company multiple times afterwards, spoke to various supervisors, who also did not call back. Eventually I spoke to supervisor XXXX, who said that he will not be issuing a refund. I tried to explain that the first supervisor I spoke to already said that he will issue the refund and I am just calling to confirm when my refund will be received. The company is still refusing to issue a refund that was promised by the first supervisor.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

I tried to open another online bank account and this bank checked my history with early warning with XXXX XXXX, XXXX XXXX  is showing my Account as Overdrawn and pending closed which is not true. I need XXXX XXXX  to correct this. I have no idea why XXXX XXXX  is showing this when I always had good terms with them, this is disgusting.
Consumer complaint received 2024-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

I have a chase checking and savings account. Yesterday, I submitted a transfer from my other bank ( XXXX  ) to my chase account. Then I transferred that cash out to my local bank so that I could write a check for my rent. Chase finds this activity suspicious so they locked me out of my account. I call and no one helps me. Hours pass and no one helps. They say I am locked out for at least XXXX business hours for a fraud alert which is XXXX. Its Friday after XXXX so I have no access to my chase mobile app until Monday maybe!???? I can not see my balances for any of my credit cards because they have locked me out and have not gave me a reason yet they say I can still use my credit cards. Chase is just holding my cash hostage. This happens any time I try to withdrawal cash from them. I have spent hours trying to access my account. I cant even lock it if I did have an identity problem because I can not log in.
Consumer complaint received 2022-08-17
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. (PA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}