davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

I filed an FTC report and a Police report on XX/XX/XXXX when I discovered that I had been a victim of identity theft. CAPITAL ONE and XXXX XXXX were notified by each credit bureau that their accounts reporting to my credit file were fraudulent. CAPITAL ONE and XXXX XXXX have NOT responded. It has been more than 30 days. ( EACH ACCOUNT WAS REMOVED XX/XX/XXXX ). 
It has recently come to my attention that CAPITAL ONE and XXXX XXXX accounts have updated on XX/XX/XXXX and XX/XX/XXXX to my credit files and decrease my credit score. CAPITAL ONE and XXXX XXXX have not responded to any of my notices. CAPITAL ONE and XXXX XXXX were removed from my credit files on XX/XX/XXXX due to their non-response. 
It has recently come to my attention that 3 ( three ) accounts were added back to my credit files after removal on XX/XX/XXXX. I was unaware of this until now. I have already contacted each company again individually and I have not received a notice before any account was reinserted to my credit files. This is a violation of the F.D.C.P.A. 
CAPITAL ONE is reporting the amount of {$550.00}. Proper documentation from CAPITAL ONE was NOT provided to MY NAME to allow CAPITAL ONE to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. There are now 2 ( two ) duplicate accounts listed on my credit files for CAPITAL ONE each with different open dates. 
CAPITAL ONE received an additional notice on XX/XX/XXXX via certified return receipt. CAPITAL ONE has not responded. All information was also forwarded to each credit bureau. 
XXXX XXXX is reporting the amount of {$3500.00}. Proper documentation from XXXX XXXX was NOT provided to MY NAME to allow XXXX XXXX to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. 
XXXX XXXX received an additional notice on XX/XX/XXXX via certified return receipt. XXXX XXXX has not responded. All information was also forwarded to each credit bureau CAPITAL ONE and XXXX XXXX are each listed as a collection / charge-off accounts and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. CAPITAL ONE and XXXX XXXX have repeatedly violated the FDCPA.
Consumer complaint received 2022-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ARS National Services, Inc. (NY)

CFPB XXXX XXXX. XXXX ARS National Services just sent me a collection letter I just received today no date to when it was written but did say I have to get back to them by XX/XX/2022 today is XX/XX/2022 trying to collect a debt that they know is exempt from there collection enclosed there letter are they crazy to do this
Consumer complaint received 2020-05-04
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: Sequium Asset Solutions, LLC (NC)

I had a negative account listed on my XXXX  Credit Report on XXXX for the amount of {$340.00}. I disputed it because it was not my account. And, I had disputed it previously with XXXX  on XXXX and they had removed it on XXXX. However, on XXXX, XXXX   reported that their investigation this time had resulted in the negative account staying on my report. 
I contacted the collection agency, Sequium Asset Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, on XXXX by phone. They asked me if I had ever lived in Georgia, which I haven't. I informed them that I had never received any bills from XXXX XXXX, nor from their collection agency. They told me that the billing address associated with this adverse account was located in XXXX XXXX, Georgia. I gave her my address which is in North Carolina. She informed me that they had indeed made a mistake and it should not have been on my credit report and that they would have to investigate the other guy who had the same name as mine, for possible fraud. 

The adverse account is still listed on my credit report as of today, XXXX.
Consumer complaint received 2016-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (DC)

In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.
Consumer complaint received 2020-07-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I am a new customer with Shellpoint Mortgage currently with XXXX. The last couple of months I have notice a charge on my account for PROOERTY INSPECTION DISBURSEMENT for XXXX dollars. I have currently caught up but was behind on my mortgage payment. 
This amount I was told is to verify I stay in the home to protectect the investor. This is a predatory fee to keep the consumer paying. In lew of late fees and I want my money back. 

I paid 7 months x XXXX $
Consumer complaint received 2020-05-29
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. (AR)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX  XXXX {$1700.00} DEPT OF ED/XXXX/XXXX  XXXX {$1700.00} XXXX XXXX {$3000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX {$24000.00} XXXX  XXXX  XXXX {$5000.00} XXXX XXXX {$130000.00} XXXX/XXXX  XXXX {$270.00} XXXX  XXXX {$24000.00} XXXX/XXXX  XXXX {$580.00} XXXX/XXXX  XXXX {$690.00} XXXX XXXX XXXX   XXXX {$78000.00} XXXX/XXXX  XXXX {$760.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} US DEP ED XXXX {$2800.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Consumer complaint received 2020-11-15
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: AMERICAN EXPRESS COMPANY (NY)

I have been an American Express Card Member for 37 years and I have the black Centurion card, the fees for which are {$5000.00} a year. I am a loyal Amex cardholder, but even for me, Amex has not followed the settlement procedure laid out in the Fair Credit Billing Act ( 1974 ). The Act states : " The creditor shall ... send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement. '' Amex did not do this. 
I discovered a fraudulent charge I had no knowledge of for {$200.00} on my card which I put into dispute. American Express contacted the vendor ( XXXX  ) but did not carry out its own investigation. It simply stated ( see attached letter ) that " the merchant has advised that the charge is valid ''. If this were to be recognized as a valid reason for denying a claim, then there would be no need for Amex to carry out the independent investigation which is required by law - it could just accept the word of the vendor in every claim. In its response, Amex also requests me to contact the vendor to resolve the issue. But even the contact information the vendor provides is false. It provides contact information for a third party ( who tells you to contact XXXX ) - not for XXXX itself. Amex did not even research the validity of the contact information it suggests I use to resolve the dispute. No investigation was carried out by Amex.
Consumer complaint received 2020-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

There was a pending collections which was paid and settled on XX/XX/2020 but experian still showed it for more than a month. I did not want to dispute this collection as the agency ( XXXX XXXX XXXX XXXX ) had already agreed to delete the account from all credit bureaus - and this was indeed deleted from equifax by end of XXXX. But experian still had it on my credit report with info that I have a balance to be paid of {$150.00}. 
Since I did not owe any balance as per XXXX, I told experian to update the balance provided that they dont file a dispute. I was told to submit the letter and that experian will address the same without filing the dispute. 
However after submitting the letter experian opened a dispute and when I got notification of this on email. I immediately called them and asked to remove this dispute. But now experian wont remove the dispute and say that they open dispute once they receive docs. Also on checking Experian found that collections has sent them info to delete my collections account from the report altogether - but they can not remove dispute as they recevied information from the agency ( XXXX  ) and have to wait until 30 days for the process to come to conclusion. 
I am being penalized for false information from experian and holding my account in dispute when I have not filed the dispute. 

The experian rep XXXX also insisted on asking me my SSN over the phone, when I asked them to use any other alternative as I was in crowded place and experian rep had worked with other info earlier. But she wont accept my request and said she is supervisor and will not transfer to anyone else to process the complaint.
Consumer complaint received 2017-06-08
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Debt Mediation, Inc. (SC)

Have contacted company twice in regards to the debt. This debt was charged off by the orginal company and closed. They can not verifie the debt and keep calling and harassing me at work and at home.
Consumer complaint received 2017-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NY)

On  XXXX   XXXX ,  2017 , my credit application  ( Reference nu mber :  XXXX  ) was unreasonably delayed in violation of the following laws :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

For several years I have asked the XXXX and XXXX bank to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, Experian, XXXX and XXXX XXXX. Mostly I called yesterday XX/XX/22 at around XXXX XXXX and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Spoke with representative at credit card company XXXX Bank XXXX XX/XX/2022. The company refuses to help me fix a reporting error, which originated from their reporting. 
XXXX Bank is intentionally reporting inaccurate information - activity on a closed account, which is further damaging my credit profile. 

Explained to representative that my credit report is showing a closed account ( card was lost ) with one late payment and, the replacement card/account with one late payment.

Rep stated only card ending in XXXX is updating. I kept explaining to representative while reviewing reports that the old card which was lost is still reflecting on credit files, with an update on XX/XX/2022! He did not believe me. 

Explained to representative that I am being assessed two late payments, and therefore, the account which is closed is being reported inaccurately ; it should be removed.

The replacement card carried over a late payment, and the old card is still reporting as if I have two cards with two late payments. 

Placed me on hold several times. Unable to help and argued that there are no updates. 

Equifax and XXXX are reporting these inaccuracies and will not investigate.
Consumer complaint received 2017-08-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IA)

over the life of the private loan for my classes at   XXXX   XXXX  , there have been many instances when due to job loss. I was always steered toward non-income driven options. so since  XXXX , my {$5000.00} loan is now at {$5100.00}, even though I have made years of payments. they even raised the interest rate from 11 % to 12 % ... I am not even sure when they did that. today, ( XX/XX/XXXX ) I logined into my accound and noticed the higher interest rate. now its only 1 % but do n't they need to notify me of this?
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After pulling my credit report I found several errors on my personal information. 

These name variations are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several addresses on my credit report that I have never lived at and I need to make sure no one is applying for anything in my name. I have never lived at these addresses but some may be family members addresses : Please REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These telephone numbers are not accurate, please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

I bought my first home on XXXX XXXX with Newrez mortgage, this company is owned by Shellpoint Partners LLC. On XXXX XXXX Newrez withdrew from the escrow account {$6000.00} to pay the first quarter of my property taxes. From XXXX until XXXX my mortgage payment was {$2000.00}, of which {$800.00} went to the escrow account to pay for taxes and insurance. As of XX/XX/XXXX, the balance on the escrow account was approximately {$3200.00}. On XX/XX/XXXX {$6000.00} were withdrawn from my escrow account leaving my account negative - {$4300.00}. My quarterly property taxes are {$1700.00}. My problem is that when I call the city of XXXX, they said that they havent received my tax payment yet and they were also surprised about the amount. The mortgage company gives me a different story every time I call, they have no proof they can provide me for the payment because the payment was made electronic and the city of XXXX can not help me until I get the proof. This problem has caused my monthly mortgage payment to increase by almost {$840.00}.
Consumer complaint received 2020-07-21
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 (FL)

I have been a customer with Khols for several years. I called in to make a payment in XXXX the payment would be one week late - I explained that this is COVID related as I have income from New York and I was not getting that income right now. I spoke to a supervisor on XX/XX/XXXX and I gave him my XXXX account information. He told me a payment of {$200.00} was needed for XXXX. I made extra- a payment of {$300.00} I told him that I am transferring with my job and I was worried about my credit report for XXXX. He assured me that my credit was fine and this extra payment would take care of the account and bring it current. He told me there were some late fees but he would credit them back for me. 

My current account balance should be {$1300.00} but KHOLS keeps reporting me with a high balance of {$1800.00} - and even though I paid on XX/XX/XXXX for {$300.00} they just reported to all 3XXXX credit bureaus that I missed XXXX payment. I found out today after calling 5 times that the customer service is offshoring their services- so the staff put me on long holds and transferred me to a dead line. 

I then tried calling the corporate headquarters in XXXX but got sent to a voice message box. 

Khols said the credit reporting is an error but it. will take 30-60 days to fix. I can not wait this long. I need a perfect credit score - even to get into an apartment- This is a nightmare
Consumer complaint received 2018-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have money being illegally garnished from my account for a credit card that was paid off in full. XXXX of Colorado is currently garnishing my wages over a credit card that was paid off in full in XXXX of XXXX. I have copies of the checks stating the amount had been paid in full.They have been taking over {$110.00} and sometimes more from my account since XX/XX/XXXX.
Consumer complaint received 2018-09-18
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 — Problem with personal statement of dispute
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Unbeknownst to me, while on vacation in XXXX, for 4 weeks, an automatic payment to XXXX XXXX XXXX XXXX XXXX scheduled on the XX/XX/XXXX was returned due to insufficient funds on my account. 

Upon returning from vacation, my investigation on my account led me to the conclusion that because of the bank imposing a hold on a check I deposited resulted in this event. 

In this age of technology commerce, banks should not be allowed to hold funds longer than a day. The funds can be easily verified by making a call to the institution. My bank is local, therefore, it makes no sense on holding it for that long. 

Another note for Golden 1 to consider is that I have been a long time member and I have my pay check direct deposited to my account. 

I'm asking Golden 1, as an act of good faith, to indicate a technical errors caused the funds to be unavailable
Consumer complaint received 2021-03-03
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: EQUIFAX, INC. (NY)

XXXX  XXXX is reporting inaccurate payment history on an account on my file. I have not only questioned the validity but I also requested verification and proof along with my signature on any documents supporting their claims. I stated it must be provided within the time allowed by law and it was not. Therefore I requested this account be deleted and suppressed immediately. To date, my concerns have been ignored and dismissed.