davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
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)

Per my Equifax credit report last checked on XX/XX/XXXX Confirmation # : XXXX there is an account that should not be on my credit report. I have tried 5 times in XX/XX/XXXX to remove a XXXX XXXX XXXX account from my credit as inaccurate information is being reported. I have found a major discrepancy and I have tried many times to correct the issue directly with XXXX XXXX XXXX and Equifax as well but have gotten no where with the issue. The date of first delinquency on this account is incorrect. Back in XX/XX/XXXX the car that I had financed at the time through XXXX XXXX XXXX was repossessed. For some reason they are reporting to Equifax that the date of first delinquency was on XX/XX/XXXX. It is impossible for a car to be repossessed by the bank if the consumer is not past due therefore the date of first delinquency is incorrect. The other inaccuracy I found was that the 81 Month Payment Chart does n't even match the date of first delinquency. For the 81 months shown on the payment chart it is full of NR ( Not Reported ) or CO ( Charge Off ). On the 81 Month Payment chart on XX/XX/XXXX which is the supposedly date of first delinquency XXXX XXXX reported NR ( Not Reported ). If I were delinquent on that date the 81 Month Payment chart should reflect a 30,60,90,120 etc showing some sort of proof that I was late. The information that they are reporting within itself does n't match. Let alone it is the incorrect date. If the account would be reported correctly with the correct date of first delinquency being XX/XX/XXXX when the car financed was repossessed the 7 years from that date would of been in XX/XX/XXXX meaning that this item would no longer even be on my credit report. Please review the details of this account carefully as you will find exactly what I am referring to and see that this account should be removed from my Equifax report. One last thing I would like to add is that XXXX  and XXXX removed this account on their own as they had the correct information being reported at the time and automatically removed the account at the 7 years from the date of first delinquency. Equifax is the only bureau with the problem.
Consumer complaint received 2021-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (GA)

BMW HAS BEEN MISMANAGING MY CONTRACTED CAR LOAN FROM XXXX XXXX XX/XX/XXXX. I HAVE MADE ALL CONTRACTED CAR LOAN PAYMENTS. BMW HAS REPORTED ME 30 DAYS + LATE FOR OVER 2 YEARS TO PRESENT ON PAYMENTS. MY RECENT/ CURRENT CAR PAYMENT WAS ON XXXX XXXX MADE TO BMW , BMW IS NOT SHOWING ANY PAYMENT MADE FOR ANY MONTHS OF THIS YEAR, AND LAST YEAR. MY BALANCE DOES NOT REFLECT A TRUE BALANCE. ( XXXX. ) MY MONTHLY PAYMENTS ARE XXXX DUE ON THE XXXX OF EACH MONTH, I HAVE ALWAYS PAID $ XXXX MY CONTRACTED PAYMENT ( XXXX ). XXXX HAS ADDED AND ADDING FEES, AND MORE FEES. TOWARD THE END OF THIS LOAN, ( XX/XX/XXXX ) BMW ROBOTS CALLS US, MY HUSBAND, AND I EVERY DAY STARTING AT XXXX TO XXXX XXXX, I HAVE CALLED, SENT REGISTERED MAIL, TO ALL THE COMPANY 'S, INCLUDING THE CEO IN XXXX, I HAVE MADE NUMEROUS OF COMPLAINTS TO THE CREDIT AGENCY.BMW HAS BEEN TARGETING MY/OUR CREDIT,
Consumer complaint received 2021-06-30
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. (FL)

In XX/XX/2021 I sent Equifax a notarized letter advising them that my DOB and other information was incorrect. Equifax claims they never received the documents, however I have provided tracking information to show the documents were received.
Consumer complaint received 2021-06-30
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. (AZ)

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND EQUIFAX AND XXXX XXXX XXXXXXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX
Consumer complaint received 2017-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.
Consumer complaint received 2017-11-28
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. (NV)

Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX XXXX XXXX
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OK)

I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MA)

Navient Account # XXXX Starting in XX/XX/XXXX, I had set up an interest only payment plan for 6 months with Navient. Their program allows you to switch from full payment, to interest only payments for up to 6 months. 

I have always paid my Navient loans on time, and have never missed a payment. 

Since switching to the interest only payments, Navient has consistently messed up on the allocation of funds. Even though they are the ones that established the monthly amount of {$570.00}, every month once payment is applied they tell me I underpaid. 

That means that every month I 've been on this program, I 've had to call in after payment was made, and have them put me on hold for 30 minutes just so they can fix the account. Each time they tell me that the problem has been resolved and it wo n't happen again, but it does. 

Now they are sending me e-mails and letters saying that I 'm past due again ( for XX/XX/XXXX ). 

They also changed the amount I needed to pay during the interest only period due to their calculation error. 

The whole process has been horribly handled, but since it 's the largest provider in the US, they  do n't seem to care at all about my situation.
Consumer complaint received 2017-11-24
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. (NC)

I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had XXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2021 I called Capital One Credit card Company. And the foreign lady I spoke with lied to me twice about the payment I made and her English was terrible. I made a payment of {$39.00} to my balance and it was never added as a payment, it's being held back. And Everytime I make a purchase I am charged interest on my credit card. My statement is suppose to be {$630.00}, but my statement says {$720.00}. and I had a purchase from Walmart that was refunded to me for {$19.00} which was never added back to my balance.
Consumer complaint received 2020-05-03
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (NC)

I purchased a Western Union money order on XX/XX/2020 at our local grocery store for the amount of {$310.00}. I was using this money to pay my taxes. The next day as I was filling out the money order I made a mistake in the pay to order line and scratched thru it. I read online that the money order is no longer acceptable for payment since I have made an alteration or mistake on the money order. I looked up Western Union on the internet and tried to contact customer service. All I received was a recorded message with instructions I could barely understand since I am XXXX XXXX. There is no one to talk to at this number. Again after doing some research I found an email address to their customer service department explaining my situation. I have sent several emails requesting information on what to do and any forms that I need to fill out in order to get a refund or replacement money order. This has been going on for several weeks now and was even notified that a letter had been mailed out on XX/XX/2020. I have not received the letter or any other correspondence from them. I sent them an email today that I was going to seek other assistance with this issue. I have all my email correspondence in my gmail account. If you would like to see these emails then please send me your email address and I will send them to you. I can't understand why a company of this magnitude has such a customer service department that is so unresponsive. I appreciate all of your assistance in this issue. 

Thank You
Consumer complaint received 2016-05-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (SC)

I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2023-02-07
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

1. I opened CITI priority Checking and Saving accounts online in XXXX this year and get approved immediately so that I transferred each {$100.00} into these two accounts ( {$200.00} usd in total ). 

2. Just when I received the physical bank cards and associated documents, I also received a letter noted that my account was closed somehow, but the bank will issue me a check for the balance to me. 

3. However, in the past 6 months, I have contacted citi custom service several times over the phone and even visited the Citi bank branch once to ask the status or progress of the check for my balance of {$200.00} USD. The citibank have not provided me a certain result yet.
Consumer complaint received 2017-11-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (GA)

XXXX of 2020. I purchased a airline ticket with Affirm. To fly to Virginia in XXXX of 2020. I started my payments to Affirm in XXXX XXXX, 2020. 

My state of New Jersey started to require to be 6 feet away from another human, which meant I could not seat on a plane next to another human. The enclosed space could cause me to contact Covid19. My state also started a self quarantine, and I did not want to break the rules. I had been coughing and I had not been able to be tested based on lack of test. 

I contacted Affirm for a refund for my airfare. They denied me a refund. Which wasn't fair based on what the country was going through. I never used the Ticket and never was offered another Ticket for a later date. 

My money was stolen from me and the information was put on my credit report which has destroyed my credit. I'm am reporting fraud on this company and want their information off my credit report. 

They had no empathy for the Pandemic at the time in early 2020, and did not care and only wanted their money, for a flight I never used. 

It was a state quarantine happening and Affirm did not care about that situation.
Consumer complaint received 2021-09-23
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. (NC)

XXXX has sent document of loan paid in full XX/XX/XXXX. I have dispute this account in XXXX and XXXX of XXXX. The Loan amount {$410.00} placed XX/XX/XXXX. was paid off on XX/XX/XXXX and the closed was closed. Experian Credit report has account open with a balance. I have proof of paid off. Experian has not update this account since XX/XX/XXXX. Account # XXXX : XXXX. Please have account updated as closed and paid in full.
Consumer complaint received 2017-11-28
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: EQUIFAX, INC. (TN)

XXXX is still reporting to the credit bureaus way past the statute of limitations for the state of Tennessee which is 7 years. Not only that but XXXX is constantly adding new balances and then removing them and adding them again later which is detrimental to my ever fluctuating credit score especially since I am in the middle of purchase. I am requesting that XXXX is completely removed from my credit report immediately. XXXX has been on my credit file with all three bureaus since XX/XX/XXXX. It is now XX/XX/XXXX. They seem to have some illegal collecting and reporting practices. Ive enclosed information for your review.
Consumer complaint received 2021-07-07
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: Collection Consultants of California (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. COLLECTION CONSULTANTS, Account # XXXX
Consumer complaint received 2017-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

In early XX/XX/XXXX, I initiated a balance transfer of {$10000.00} on a Chase Slate credit card. The online form I filled out indicated that the fees generated from this transfer would be {$0.00} because I was initiating the transfer within a promotional window that allowed by free balance transfers. 

However, after the transfer went through on XX/XX/XXXX, I was charged a fee of {$520.00}. Chase indicated that even though I submitted the transfer before my promotional window closed, the transfer did not go through until AFTER the deadline, and so I was charged the fee. 

I argued with Chase about this since I had no power over how long the transfer would take and I feel like they lengthened the transfer time specifically so they could charge me a fee. 

I sent numerous messages and made phone calls to the company to recoup my fees but was rebuffed.
Consumer complaint received 2021-07-07
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. (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill and the reasons why these items should be deleted. XXXX XXXX, Account # XXXX