davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am in the process of trying to get my credit report pulled by my mortgage company in order to start the process of buying a home and have already had issues with my bank getting my credit information and scores from Equifax and was told by the bank there must be a freeze on the information. I contacted Equifax several months back around XXXX to find out what the issue was with my bank unable to pull my information and originally was told there was not a freeze on the account but that my old address was still reporting and that was causing the issue. We attempted to have the mortgage company pull the report again using my address from 3 years ago but they still could not obtain the information. Customer Service with Equifax told me to fax my information to their Dispute Dept which I did but received a letter less than a week later stating my information was not readable and to mail a copy of my DL, SS, Rental Agreement and any other supporting documents to their XXXX address. I mailed all this plus a copy of my most current Credit Card statement in color copies to their dispute department via USPS non-certified in order to try to speed up the process and get my current address updated. I just received another letter back from them stating my information does not match their records and again to send all this information to them. I do n't know what other information I can provide as I have provided them with everything that they require plus some to verify my identity and this is now costing me even more time and money to fix their lack of properly updating my information.
Consumer complaint received 2023-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

This new complaint should be tied to current complaints in the process. 

XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Closed Feedback provided XXXX XXXX XXXX XXXX XXXX XXXX loan Dealing with your lender or servicer XXXX XXXX XXXX XXXX XXXX servicer XX/XX/XXXX Closed Sent to Regulator, Not FTC XXXX I completed my XXXX XXXX XXXX in XX/XX/XXXX. My federal student loan servicer during this period was Nelnet. Nelnet was very prompt in providing notifications and details regarding loan increases to my consolidation student loans along the period when the repayments would start. However, Nelnet was not quick about relaying information on extending the Covid relief program, which suspended all federal student loans and accrued interest. They did not correctly provide details on how these temporary programs impacted my account and obligation. 

Nelnet 's lack of notification put me in a very pressured situation to find a new lender which could offer better interest rates to reduce payments I would be expected to pay with the increased amount of XXXX XXXX XXXX loans added to my consolidation amount. I selected XXXX in XX/XX/XXXX as a private lender to aid in consolidating my loans at a lower rate. Unfortunately, I got the payoff from Nelnet, who never acknowledged or notified me that the Covid Relief program was extended. I did not receive a notification until XXXX XXXX XXXX well after I had completed the consolidation with XXXX ; in fact, XXXX provided a payoff amount well over the amount necessary to pay off the loan consolidation for my Federal Loans. Instead of notifying them of the overpayment. Nelnet proceeded to pay my federal loans off and wire the amount that was over the payoff amount back to XXXX without any communication with me or request to update the payoff amount. 

XXXX took the funds returned from Nelnet and applied this amount to the principal balance of the new private loan consolidation. When I asked XXXX the reason for the additional funds added to the payoff amount, I was told that it ensured there were not any other amounts due to accrued interest or missed payments. Nelnet should have not only contacted me but also notified XXXX XXXX XXXX  of this situation in which a loan service should be aware and have proper knowledge of the terms of the XXXX XXXX Covid relief program. This situation will affect my credit and the opportunity to take advantage of new relief programs with the Federal Government to reduce federal student loan balances.
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (PA)

I have written to Experian to ask why my credit score dropped XXXX points from XX/XX/XXXX to XX/XX/XXXX. During the time of XX/XX/XXXX to XX/XX/XXXX I have paid off almost all of my credit cards. I went from 29 % to 1 % credit card debt. My score on XX/XX/2021 was XXXX then as I continued to pay down my credit card and other debt my score dropped XXXX points. I have reached out to Experian on several occasions with no response other than there are old things on my credit report that could be affecting my score. I am also writing to ask for your help with understanding why there are some of my accounts that aren't updated regularly. How can they provide an accurate account of my credit if they are not accurately reporting the truth about my credit history. If potential creditors are looking at their information they are getting the wrong picture of my credit worthiness. Why are they allowed to provide inaccurate information? 
I have an XXXX score on XXXX XXXX I am not sure what my score is on XXXX  as they don't have a free site.
Consumer complaint received 2022-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I received a promotional offer email of the capital one quicksilver card saying that once I got approved and spent {$500.00} on the first 3 months, I will receive {$200.00} cash reward. So I applied the card and got approved, spent more than {$500.00} on the first 3 months but never receive the {$200.00} cash reward as advertised. 

I called capital one twice and they just said that they can not give me the {$200.00} cash bonus, without a appropriate reason. This is really unfair for me. 

Please see the attached picture for the {$200.00} cash reward advertisement email they sent me.
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.
Consumer complaint received 2020-10-23
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: General Motors Financial Company, Inc. (CO)

My ex wife had a vehicle that was her responsibility during the divorce decree and she let the vehicle get repossessed and then made it part of her bankruptcy. This was never my responsibility and I'm not on the loan but it is still being reported on my credit report. i have attempted to get it removed from the credit bureaus but haven't had any success. Please help
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (KY)

OnXX/XX/2019 I pulled my XXXX  credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (OH)

Regarding Truist Bank. Account XXXX XXXX  Received a letter from from their recovery department dated XX/XX/XXXX. I received the letter via XXXX XX/XX/XXXX. The letter says I owe them {$52.00} including a {$30.00} charge off fee. I have called them XXXX XXXX XXXX XXXX  times XX/XX/XXXX and XX/XX/XXXX. Talked to representatives who couldnt tell me what the debt was regarding. They transferred me to their recovery department XXXX XXXX  ). Left messages both days because they said in a recording they were very busy and couldnt answer the phone. I left my name, account number given in the letter, my phone number. On XX/XX/XXXX, the message said they would return my call within XXXX hours. I havent received a call, now 2 days later. I said in the message left today, XX/XX/XXXX, I would be contacting your department. FYI, I checked XXXX Credit Bureau and saw nothing with the Truist name on an account. 

There is a payment invoice to be detached and returned with payment to : Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-03
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)

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over XXXX points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest XXXX XXXX has been negatively impacting my credit by reporting late and other inaccuracies. per 15 usc 1611/15 usc 60802 part b/ 15 usc 1692 f # 6
Consumer complaint received 2021-09-13
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. (NC)

Amount showing due on my Experian Credit Report is incorrect and was never late. After submitting supporting documents to XXXX and Experian the item was REMOVED & DELETED as of XX/XX/2021. I'm not sure why Experian was not have been made of aware of this issue being as the other 2 agencies were and the fact they deleted it almost 4 months ago. I'm in the process of a loan closing and this issue is holding the closing up. Please fast track this request if possible.
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (PA)

I returned some items that I purchased but the merchant didnt return my money its been going on a month so I dispute the transactions along with proof that the merchant has received the items but yet my money wasnt returned back to my chime account after I disputed the transaction my account was close for what every reason along with money still being in my account the bank is still refusing to release my funds
Consumer complaint received 2021-11-27
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. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX DELAWARE XXXX, XXXX XXXX, CA XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/2020 XXXX XXXXS XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Law Offices of Mitchell D. Bluhm & Associates (AL)

I have accounts reporting on my credit report that does not belong to me. I would like a copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.I have not received a dunning letter giving me the right to dispute the debt.All negative marks found on my credit report need to be removed because i do not have any contracts with this company and they in violation of the FDCPA and the FCRA. I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (IL)

This is not my debt, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I retired XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX During this period of time that this debt was established and my identity was stolen which has been filed with the FTC and reported to the Credit Bureaus and several of the Creditors have accepted my paperwork which is from the XXXX XXXX XXXX XXXX This Credit collection company never contacted me by mail or phone and when I found out through my credit report monitoring I immediately reached out to the company and they were rude and laughed at me and said oh well and by law they do not nee to accept my fraudulent claim by phone or word of mouth Verbally. This is detrimental to my life as I'm attempting to buy a home XXXX XXXX XXXXXXXX XXXX XXXX XXXX to accommodate my family XXXX XXXXXXXX this is not my debt and I beg to have this removed.
Consumer complaint received 2018-09-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Siggi LLC (TX)

Omni does not provide any loan information as to current balance, interest rates, payment amount for my loan online, nor do they send mailed statements. I have called numerous times with no answer and have not received a call back. I am unsure of any of my loan specific information and do not have access to it.

Omni said when I opened up the loan, I was encouraged to setup an allotment. That is what they specifically stressed. They also said if I stopped the allotment at anytime, they would debit my bank account for the amount. I am trying to set up my payment via check or automatic bank transfer and fear they will debit my account more than once. I am trying to talk to someone at Omni to avoid this potential issue.
Consumer complaint received 2017-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I received the letter on XXXX XXXX 2017 and disputed the debt of {$680.00} with XXXX XXXX XXXX, as I have no knowledge of it. Reference number XXXX.
Consumer complaint received 2021-08-16
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: National Credit Adjusters, LLC (CA)

NCA has repeatedly attached 2 accounts to my social security number and refuses to remove them, validate the debt, show proof that they are allowed to collect in California. I am a victim of identity theft. One of these debts is from Georgia and the other is from Kentucky and neither of the names match mine. I have contacted them numerous times and they remove and then add it to my report again knowing that they are intentionally harming me with an unvalidated debt. Neither of the accounts that they attach to me belong to me and they are trying to collect on debts that are fraud.
Consumer complaint received 2021-04-03
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. (WA)

My credit card from XXXX XXXX was set up for automatic payment. This had been ongoing for years without any problems. Then in XX/XX/2021, the credit card did not take the payment automatically. They did not notify me of a problem nor did they send me a statement saying I had a balance owning. The first I learned of the problem was when I checked my credit report and found my score had dropped by over 100 points. I called the credit card and they said they didnt have an explanation for what happened. They told me to file disputes with the credit bureaus. I did and yet the derogatory information is still present.
Consumer complaint received 2018-09-27
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 (TN)

This was a total loss vehicle, it was being paid by gap and insurance. I was the cosigner on the vehicle. There was XXXX left on the account. Capital One charged it off, I never recieved a letter or a phone call about this. When I did find out I contacted my insurance and they had sent the last check to the wrong place and it was quickly resolved. Now my credit is ruined. I have disputed it with the company three times and the credit agency 's. The credit agency 's are reporting it as XXXX was the charge off which is inaccurate, it was XXXX which I disputed but they are still saying thats what capital one reported. I have submitted to you documents showing this is wrong.