davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-31
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: SYNCHRONY FINANCIAL (TN)

I have previously disputed this company and asked that they send the consumer a LEGAL BINDING CONTRACT that has both legible signatures ( from myself and the company entity stating that there is a contractual agreement between both parties. What the consumer received was anything but. The consumer specifically asks for the entity to produce legalities that the alleged account indeed belongs to the consumer. Yet they have chosen over and over again to send the consumer what they feel is needed, which is UNACCEPTABLE. This game that the company is playing should be pointed out that if they are unable to produce the legality of the alleged account then the account should be REMOVED IMMEDIATELY. THE COMPANY IS CONSISTENTLY VIOLATING LAWS. I will upload the latest letter that was sent to the consumer about the matter.
Consumer complaint received 2020-11-21
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. (IN)

Contacted by letter XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX to verify debt. Did not receive response. I received a bill is all. Letter was sent on XX/XX/2020. 

On XX/XX/2020 I sent all 3 bureaus a Debt verification letter. XXXX removed these accounts after investigating. 

XXXX XXXX Removed XXXX. 

XXXX  did what they were supposed to do. They deleted Unverified account. 

XXXX, XXXX and XXXX XXXX XXXX verified the debt with Experian when they were being disputed by me in writing of the debt. Which they never responded to me ever. They can not verify a debt with the credit bureaus if I am disputing it with them. 

Experian initially removed XXXX XXXX XXXX XXXX for failure to respond in 30 days to their request. Then re added the account later saying it was verified. At this time I still have not received verification from XXXX. 

XX/XX/2020 I sent a letter to Experian and XXXX XXXX explaining I sent debt verification letters to XXXX and XXXX XXXX  and had not received and the account should be deleted. 

XX/XX/2020 sent a letter to Experian and XXXX XXXX that added that I had been disputing XXXX XXXX XXXX for 3 months and Comments section did not reflect this and needed deleted. I mentioned they were using e Oscar to do the verification and they needed to delete. 

XX/XX/2020. Sent letter to Experian about XXXX that I had been disputing this for 3 months. I mentioned that the comments did not reflect this. I asked for deletion. 

XX/XX/2020 I sent a letter to XXXX XXXX about XXXX XXXX XXXX that I had been disputing this account 3 months. I said the comments do not reflect this. I mentioned e Oscar was being used. To delete this account. 

XX/XX/2020 I tried to dispute online these accounts and it says I can not dispute them anymore because they have been verified. 

All these accounts have not been verified by the creditor and I have yet to receive a response from them. Experian and XXXX XXXX verified these accounts at the same time I am disputing these accounts with the creditor. Experian took XXXX off after they did not verify in time then re added after they verified late. Experian and XXXX XXXX are not reporting all my disputes in the comments section on these accounts. Now I am not allowed to report anymore on these accounts online. These accounts should be deleted due to violations of the FCRA. I have copies of all these letters.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX. 

On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX. 

On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid. 

On XX/XX/XXXX, I receive notice that the check was returned for a stop payment. 

What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account. 

I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it.

So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me. 

So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance. 

When i asked how to rectify now ... .. I was told ... .This is how we do things here. 

They wont even help anymore.
Consumer complaint received 2019-08-11
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. (CA)

XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.
Consumer complaint received 2022-04-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AZ)

I filed an original complaint with CFPB on XX/XX/2019 regarding deceptive practice by the XXXX XXXX location from where I originally purchased the vehicle, complaint # XXXX. My wife and I made multiple trips to the XXXX XXXX location and spoke with the General Manager, XXXX. Multiple egregious errors were made on their part and their company continues to harass us and ruin our credit. The corporate office issued a letter in response that they were " investigating '' the situation and never responded after that until this week, via a collection agency that is claiming we now owe over $ XXXX. It looks like I need to hire a lawyer and sue XXXX for harassment. 

I will attach the entirety of the previous complaint.
Consumer complaint received 2020-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (MD)

The card proccesser is Blackhawk Netork, which I dont think is even a real company You can NOT call the number on the back of your card issued by XXXX  When you try to report anything, the automatic computer asks the card info then your zip code You dont have my zip code, it hangs up on you No way to transfer I think your card is a SCAM, I have a {$400.00} gift card, I have a Fraudulent charge For {$120.00} from XXXX XXXX not my charge and you Offer no help at all XXXX
Consumer complaint received 2019-08-11
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. (CA)

XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.
Consumer complaint received 2022-04-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX, XXXX XXXX ( XXXX XXXX ) account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2021-03-29
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)

I am a victim of identity theft. I have tried disputing claims with XXXX  and Experian to no avail. My personal information was taken from the 2017 XXXX  breach that took place. Please help me clear my name and credit. It has taken a toll on my emotional, mental, and physical health.
Consumer complaint received 2019-08-11
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: CITIBANK, N.A. (CA)

XXXX continues to allow erroneous and inaccurate information on my credit report regarding a Macy 's account. There are numerous issues with this account. XXXX has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. Macys is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.
Consumer complaint received 2019-08-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I have never received any verification of debt. They appear on my Credit Reports, However never contacted me, never sent me any letters as to who they are and why they are on my credit reports. I contacted this company and their response was that I owed them {$570.00} from an account from 2013. I do not recall owing on any account from 2013. Their response was very vague and not informative at all. I even tried to pay in full as long as they would delete this from my credit report and they told me that, that was impossible to do. They are basically holding my credit scoring in a horrible situation as this is my only negative account. Meanwhile they will not provide me with any verification on this so called account.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I sold my vehicle to a XXXX dealership in XXXX, CA on XXXX XXXX 2020. At the time of the transaction, XXXX called Lexus Financial to get a payoff on my lease. The payoff quote was good until XXXX XXXX, 2020. XXXX dealership subsequently paid my lease off on XXXX XXXX, 2020. 

On XX/XX/2020 I called Lexus Financial to confirm the lease had been paid in full. Their automated phone system said the account had a balance of {$18000.00} and my account was past due for XXXX XXXX, 2020!! 

After being placed on hold for over 20 minutes on two separate occasions and being transferred to three different departments did Lexus Financial confirm my account was indeed paid in full. I asked their resolution department to send me a letter saying it was paid in full. They sent me a letter within minutes, but it said I purchased my vehicle and they were waiting for the funds to clear, neither of which was true. 

I called again on XX/XX/XXXX and again on XX/XX/XXXX, only to be placed on excruciating long holds and to get no resolution. Each time I called they ask approximately XXXX questions to " confirm my identity ''? Never have I experienced such exasperating treatment. I can not get anyone at Lexus Financial Services to assist me!
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (MS)

This Speedy Cash Loan Was Supposedly To Have Been Granted On XX/XX/XXXX For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2022-04-02
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc. (FL)

Hello- I have 13 Federal Loan accounts that were not consolidated. I have called Navient to inquire on removing the " Missed Payment '' status and they gave me little information and told me that there's nothing they can't do. I have begged and pleaded with them that this is a mistake because I've always pay my monthly loan payment on time. I thought I had paid my monthly amount on XX/XX/XXXX and they gave me a " Missed Payment '' status with no warning whatsoever. 

If you look at my credit history for Navient, I have paid every single month after that. I need your help to remove this status. Now that Navient is no longer servicing my loans, Aidvantage has taken over and I don't want to go through the same hassle again.

I get little information to remove status from my credit history.

DEPT OF ED/AIDVANTAGE - {$17000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$9100.00} - Open Account - Missed Payment on XX/XX/XXXX - {$8900.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$4000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$500.00} - Open Account - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2100.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX XXXX
Consumer complaint received 2019-08-11
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: Security Credit Services, LLC (GA)

In XXXX of XXXX I pulled my credit report and discovered accounts that I never opened. I immediately reported this to the FTC, my local police department, and placed fraud alerts with major credit bureaus. XXXX was one of the accounts listed that was obtained fraudulently. I immediately contacted XXXX via phone and they were resistant to listen. I followed their instructions and sent them a copy of the identity theft affidavit, FTC Identity Theft report, the local Police Department report and asked them to remove this information from my credit report. I never received a response however the account was placed in closed status on my credit report and then I began receiving calls from a debt collector they turned it over to after being notified that this account was opened fraudulently and I was a victim of Identity Theft. I also sent the info to the debt collector and they stopped collection attempts. A year later the information is still on my credit reports and I have again sent a request to XXXX by certified mail in XX/XX/XXXX requesting the information be removed and included all police reports and  supporting documentation. I also sent the information to each credit bureau. XXXX again did not respond to me and confirmed the information as accurate with no changes to the credit bureau. A few days later a new debt collector began calling me in reference to this account. I explained to them that it was illegal for them to began collection attempts after being notified that this debt is from identity theft. They told me that the account was just turned over to them for collection and recovery by XXXX a few days ago. They even made a statement that XXXX was doing unfair and unlawful business practices by making them attempt to collect and not telling them I was a victim of identity theft. These business practices are completely unacceptable and it is unfair for a true victim to have to suffer for so long with incorrect information being reported on their credit report by a company that refuses to acknowledge true documentation they have received several times to do the right thing and follow the law. I want this account removed from my credit reports immediately as I feel I have suffered long enough despite my efforts to follow your policies and the law.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (CA)

I recently discovered that I am a victim of identity theft. I have lived and worked in XXXX for XXXX XXXX years, however a utility account in XXXX  was opened in my name. The debt collector is named L J ROSS ASSOC and the utility appears to be XXXX XXXX XXXX. I have never had electric service with XXXX XXXX. I can provide contact information for my landlord in XXXX XXXX and employer who can attest to the fact that I do not live in XXXX and have not for years. I did not authorize any third party to open a utility account in my name.
Consumer complaint received 2019-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, I had a credit card with Capital One. I lost my card ending in XXXX. I paid off all of the balance owed. I requested to get XXXX balance rewards points which is equal to {$40.00}. They said that I need to have the actual card at my possession. On or about XX/XX/2019 I asked capital One to send me a new card. On XX/XX/XXXX Capital One ( Phone number : XXXX ) sent me a letter ( case number : XXXX ), saying that my account was closed and the Rewards Points were forfeitured. 
I have no problem for the closure of my account but Capital One still owes me my deserved/ earned rewards points. To earn those point I paid $ $ $ interest payment to Capital One, for many months. 
Thank you, XXXX XXXX