davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-07
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 ) XXXX  - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by XXXX XXXX my husband lost his job and he has just recovered from XXXX failure prior to that and the kids had to stay home and I have XXXX children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of XXXX and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX for XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And I have an credit card account with XXXX XXXX XXXX XXXX XXXX its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the XXXX XXXX XXXX
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (TX)

I've made attempts to freeze my credit reporting by your company as i'm protected by FCRA and the online automated system gives an error once everything is submitted. I had to go outside your website to find a fax number to send a formal request! This is not compliant with FCRA protections for consumers. I want be written notification by your company once this is corrected or I will report your company.
Consumer complaint received 2019-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I am trying to negotiate for a used car loan through Bank of America. They have preapproved my loan XXXX. I requested a Truth in Lending statement from them. Their reply was that I would receive one AFTER I closed on the loan. This isn't legal, is it? If it isn't, it should be. In either case, make this a major complaint because I am not permitted to do some other financial things related to the loan that requires that I present a Truth in Lending statement. I will lose money because of this. Thank you.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

On XX/XX/XXXX, I contacted Nelnet in regards to what my repayment options were for my student loans. The representative asked for my updated contact information, which I gave them. After explaining what my repayment options were, I was emailed an application for income based repayment and told that it would be pre-filled out with my current contact information. 

Later on that day, I received the application as the representative stated with the correct contact info, filled the rest of the form out and sent it back via email. 

For the following 4 months, all of my loans remained in good standing and were listed as current on my credit report. Flash forward to just a week ago and I find out that I am suddenly 2 months behind and have negative marks added to my credit report due to both XX/XX/XXXX and XX/XX/XXXX payment statuses being reported as late. I had no idea I had fallen behind since I had not done anything differently on my repayment since first contacting them in XX/XX/XXXX. 

When I contacted Nelnet again on XX/XX/XXXX, the representative I spoke with read off the wrong contact information to me when we connected on the phone. I once again gave him the correct info and he relayed to me that the reason why my payments were marked as late is because they did not have updated contact info for me. 

I let him know that I had electronic proof of them having the correct contact info from the pre-filled form they sent me back in XX/XX/XXXX. He apologized and told me there was nothing he could do to remove the marks on my credit history and once again forwarded another application on to me to fill out. 

I once again filled out another income based repayment application and sent it to the proper email address as instructed. It is presently XX/XX/XXXX and I still have not heard back from Nelnet about what my repayment options are. I'm extremely worried because I do not want to have any additional negative marks added to my credit report and I am making the effort to communicate with this company to responsibly resolve my debts. 

I contacted Nelnet again on XX/XX/XXXX via chat about once again disputing the information posted on my credit report and the representative I spoke to even gave me another address they had listed for me that was incorrect and had never been one of my former addresses. He also told me there was nothing he could do to correct matters and that I'd have to type up a letter and fax it to the disputing department. 

Seeing that I have made attempts to contact Nelnet and have proof of them messing up my contact info, I am requesting these two derogatory ratings be lifted off my credit report due to their own errors in updating my records. I should not have to deal with a drop in my credit score because of something they did incorrectly.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MD)

I have completely paid off my balance and it still shows a full balance on my credit report reported this to XXXX XXXX and asked that this be corrected I have also called Amazon Store Card to wish they told me they fix this and have not
Consumer complaint received 2022-04-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (FL)

Chronology of Contacts with Ally XX/XX/XXXX transfer request for IRA in amount of {$68000.00} was initiated via facsimile XX/XX/XXXX Ally called to say signature faint XX/XX/XXXX transfer request resent with dark signature XX/XX/XXXX multiple calls to Ally told signature faint. Eventually told Ally said signature faint. Left numerous messages for spoke with XXXX, XXXX, XXXX XXXX, XXXX, XXXX. No phone calls returned on XX/XX/XXXX Executive leadership team would call with 1-2 business days. 

XX/XX/XXXX Resent transfer request for third time via XXXX  overnight delivery. 

XX/XX/XXXX spoke with XXXX XXXX XXXX- no idea where the transfer request is. According to XXXX Transfer request was received by Ally on XX/XX/XXXX @ XXXX XXXX 

XX/XX/XXXX spoke with XXXX who assured she would follow up but had no idea where the transfer request form was. 

XX/XX/XXXX spoke with XXXX, XXXX- no idea on where the document was. 

XX/XX/XXXX spoke with XXXX who was trying to find out if transfer request form was in the mail dept., imaging dept., operations dept., transfer dept. she promised to call back in 15 minutes. Did not call. 

XX/XX/XXXX spoke with XXXX - no idea where document was - refused to take a message for XXXX or any other supervisor to call back. 

XX/XX/XXXX spoke with XXXX - form received yesterday and is being escalated for processing. 

In the course of this issue, messages were left for and requested phone call returns were requested from multiple people, including general supervisors, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Other than XXXX on 2 occasions, no phone calls were returned.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (GA)

I have a loan with XXXX XXXX XXXX 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 stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I recently reviewing my credit report and it shows {$240000.00} in XXXX loans, which is more than double what I actually have. My loans were originally serviced by XXXX, but as of XX/XX/XXXX, my loan servicer is now XXXX. Instead of the XXXX loans showing up as transferred or closed, they showed up as open. I submitted a dispute on Experian on XX/XX/XXXX and received an email that my dispute was resolved. It is not resolved. The XXXX loans are still showing up on my report as open, but now they say Open/Never late. My loans need to say closed with a balance of {$0.00} since XXXX is now handling my XXXX  loan balances.
Consumer complaint received 2021-05-05
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. (FL)

I am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.
Consumer complaint received 2021-05-05
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 am very sad as I need to deal with fake accounts in my credit report. Could you please figure out who is responsible for damaging my score and life? I can not recognize these items and they are not mine. Its identity theft or bad reporting but I can not accept the fact that I have them in my credit report. Delete them as soon as possible.
Consumer complaint received 2022-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc (VA)

Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with Defenders/ ADT XXXX It was already established with Defenders and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with Defenders that shows a very clear {$0.00} BALANCE. 

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX EST.
Consumer complaint received 2020-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association (OK)

My son went to his doctor in XX/XX/2019 for XXXX XXXX. His doctor wanted him to have a XXXX  XXXX and XXXX. His doctor said she could not put in a referral for the services until they were authorized by XXXX. She submitted the authorization requests. They were approved. She sent the referrals and the service were performed. According to the itemized list I received, XXXX paid for the services that were pre authorized. Now over a year later, XXXX has sent me to collections for over {$2000.00} with no reasoning or explanation as to why XXXX would " deny '' a pre authorized service over a year later that they had already paid for. Why would I be sent to collections for services that were pre authorized before they were completed? I have contacted XXXX and have received no response. I have contacted the XXXX and they will not give me any information because I am not on his record in their system.
Consumer complaint received 2018-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I was browsing for tickets online via XXXX the site kept crashing and reloading when trying to make a purchase. I reloaded the page and it charged me for 6 tickets. I called Capital One to dispute the charge. After several attempts both in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with each rep telling me new information 's and a new task for me to complete the issue was never resolved. Now I am responsible for an {$1100.00} charge on my credit card which I can not afford This has been a nightmare and I do not feel I should be liable for a charge I did not consent too.
Consumer complaint received 2018-07-27
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC (TX)

Pacific Union Financial They have taken XXXX dollar 's from us and XXXX XXXX for Apprasails because the loan went from Conventional to FHA. We started the process in XX/XX/XXXX of 2018 and is now XX/XX/XXXX of 2018. They have given us 3 differnt close dates and we have spoke with 5 different employees that work for Pacific Union Financial out of the XXXX XXXX location and we were told one of the 5 is no longer with the company due to the way she handled our loan process in the begging. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. None of these employees have been able to close our loan for us we have sent them every document that they have asked for, they do not call back and the only person out of the one 's listed above that answered the phone when we called was XXXX. They are very incompetent and it left my family and i wondering if they are qualified for the dutys of their jobs. We are an exsiting customer of them and because of this we will be finding someone to refinance what loan we already have with them due to the struggle it has been to work with them. I strongly advise any looking for a lender to run far away if you see this company coming and to refinance if you are with them.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My credit card account was closed by the issuer. I still owed a balance but had my account on autopay minimum. After 8 or so months of the account being closed and auto payments being made, I paid the balance in full. 

During the next statement date interest had accrued and was added to my balance. The issuer had shut off auto payments I am assuming because the balance was {$0.00}, but did not put autopay back on when the interest was added to my account. 

I believed autopay was on and never got any statements paper or emailed so i never made another payment. My account was finally reported 30 days late. I paid in full what i owed opened a case with them to resolve this issue but they declined to change the reporting. 

Please help this is frustrating because i really don't think i deserve a 30day late for this issue. 

thank you very much XXXX
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have filed disputes with the credit reporting agency and it has been well over 30 days with no response in also filing 30 day demand to comply.
Consumer complaint received 2018-07-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (FL)

Today XX/XX/18 XXXX XXXX called me at XXXX XXXX. 

This is completely ridiculous. They continue to call at all hours of the day and night. They repeatedly harass my family members after being told repeatedly to stop calling them. They call my Mothers cell phone and leave detailed information about my debt.