davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( all 3 bureaus ) 30 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2020-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Hello, my name is XXXX and I would like some help in getting my money back from Chime. First of all back on XX/XX/XXXX of this year my debit card and my cell phone were stolen. Well they took over {$1000.00} out of my account. I contacted Chime and I sent it every piece of documentation they ask for, police report and everything. they seem to find nothing wrong with the fact that over {$1000.00} was taken out of my account in less than an hour and a half from 8 different locations. After appealing and appealing they still come to the conclusion that I am due no money back because they don't see anything wrong with the transactions. And they never gave me my money back, like are you kidding me?!?!?!? Then about a week or so ago I had some questionable charges on my chime account so while in the process of disputing them chime closes my account. So what now? I'm just excuse my language " XXXX outta luck '' because they decided to close my account and with no reason?!?!? I AM FURIOUS!! THEY CAN NOT DO THIS!! PLEASE HELP ME GET MY MONEY BACK. 

Sent from XXXX Mail on XXXX Sent from XXXX Mail on XXXX
Consumer complaint received 2022-11-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NorthShore Financial, L.L.C. (TX)

Hello, Ive been charge the total of {$410.00} from services of NorthShore XXXX XXXX XXXX  on XX/XX/. On this day I had to go XXXX Room with intolerable levels of hardship, due to an accident during my first day of work. The companys insurance was supposed to provide help. I never heard back from them and I dont have the money to pay for it. Im still injured.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I noticed in XX/XX/2023 that I was unable to access my Experian account. After password reset attempts, I discovered that Experian had an incorrect phone number that they were using for 2nd level authentication. In XX/XX/2023, I opened a case with Experian. For three months, I did not hear from Experian except when I emailed them and finally discovered they had closed my case. I again opened a case in XXXX and in XXXX, with no resolution, opened a case with the XXXX XXXX XXXX. After multiple emails ( all with a promise to resolve the problem ) I finally received a call on XX/XX/2023, asking for screen prints ( of screens previously emailed to Experian twice before ). I sent the information during the call and attempted to follow up with the person I received a call from. I called their personal office phone number and left multiple messages on her voicemail, as well as multiple emails - but no response was received. I have received emails from the XXXX where Experian is saying they have resolved the issue. Each time, I respond that I have not been contacted and that the problem still exists. I have also notified Experian that I am concerned my data has been compromised because the 2nd level verification phone number is incorrect, and I keep having to reset my password. Experian assures me my information is safe ; however, over the last few days, I have received three letters from three different companies that they believe my information has been compromised. Experian is refusing to respond to my requests, continues to attempt to close the XXXX case, and is refusing to correct the phone number which is allowing someone else to get into my file. Experian is refusing to safeguard my data and refusing to correct the access issues.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX  STILL reports in over days past due. Experian reports that I have utilized 990 % of my available credit. I have been denied an XXXX  for my XXXX  XXXX  thanks to this fiasco.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX STILL reports in over days past due. XXXX  reports that I have utilized 990 % of my available credit. I have been denied an EIDL for my XXXX  XXXX  thanks to this fiasco.
Consumer complaint received 2020-07-07
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Wellsfargo bank paid XXXX dollars on XX/XX/2018 to someone not the payee, review showed difference name on the the check # XXXX and no certified signature on the back of the check, bring to their attention and have claim number XXXX, later got a disputed reply because not their fault and case too old, we are payee and Payer both Wellsfargo account holder felling so unfair, we called XXXX many times with hopeless, we need help to get our money back, thank you very much, may god bless you
Consumer complaint received 2024-01-20
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-01-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC (IL)

I had two student loans with a servicer, Launch Servicing, and I sent them a check for {$33000.00}, which was the amount given to me in the 10-day payoff, indicating both loans to be paid. 

The servicer paid-off one loan but not the other in error and said they would be sending me a check in the mail for a total of {$9300.00} and that it could take up to 30-business days to get to me. 

When I expressed my concern about the additional interest I would pay due to the error they said there was nothing they could do and I would be held accountable for the additional interest, which I calculated to be roughly {$100.00}.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX XXXX XXXX a Notice of Dispute was delivered to EXPERIAN INFORMATION SOLUTIONS requesting them to reinvestigation inaccurate information that I have been seeing in my consumer disclosure reports. EXPERIAN INFORMATION SOLUTIONS has been holding my Notice of Dispute letter with no status, updates, or sign to reinvestigate the inaccuracies I have brought to their attention for 16 days now. I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( a ) of the FCRA. I am aware that consumer reporting agencies are required to reinvestigate consumer reports in a timely manner otherwise, it would be a violation of the Fair Credit Reporting Act 15 USC 1681 leaving consumer reporting agencies liable per 15 USC 1681n Civil liability.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX is inaccurately reporting charge off every month which is really affecting my credit score. This has been occurring ever since XXXX. My rights have been violated due inaccuracy on my credit report. I am entitled to an accurate credit reports this creditor has violated my rights as a consumer. I would like this account deleted immediately. You cant report a charge off each month.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CL Holdings LLC (AR)

On XX/XX/2023 i was in the market of purchasing a new home.. I pulled a my credit report and to my surprise there where a few Potentially Negative items on my report that should not be i reach out all credit company and credit bureaus so resolve the account but haven't had any luck... 

One is the XXXXXXXX XXXX XXXX I been in dispute with for the pass couple of year do to an account that they have Charge off an the amount of $ XXXX account was written off.. IRS states charge off accounts means they wrote it off as a tax write off and took the loss.. Which its now consider income i never received a XXXX from them. This account is affecting my credit score.. 

Second on is XXXX this account paid in full but it closed and also reporting negative on my credit report i have tried to remove this item several times in XXXX  i have contact all three credit bureaus and creditor.. 

Lastly Jefferson Capital Systems i have no knowledge of this account i have reach out to creditor by letter asking for all documention that i have yet to receive i have disputed this with all three bureaus
Consumer complaint received 2021-11-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-07-07
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (LA)

I contact Navient customer service on or about XX/XX/2020 to see how can I go about paying my private student loans that had charged off. I was given a number to XXXX XXXX XXXX , XXXX. I contacted them and spoke with XXXX who informed me that I can settle for less and the accounts would be satisfied in full. I made the payment of {$2500.00} on XX/XX/2020. Since then I have contacted navient on several occasions asking about when will my private student loans show {$0.00} due, the payment shows on my account. I was informed on XX/XX/2020 that XXXX didn't submit documentation showing the loans were settled they just submitted the payment. So I contacted XXXX and they assured me that they sent over all docuemtations. On XX/XX/2020 I called navient and XXXX again to rectify this matter and the blame game started again. Navient don't know why or what to do because XXXX haven't provided them with the documentation whereas XXXX stating they provided them with the same documentation they sent to me ( I will upload it here ). Needless to say on today it still shows a balance and no one still knows how to update anything.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately
Consumer complaint received 2021-02-24
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 (FL)

I kept on requesting a credit line increase on my Capital One XXXX card. I was continually getting declined stating {$5.00} balance to high. Requested another Capital One Card this time Quicksilver. Was approved & then sent feedback expressing my concerns about having to charge me $ XXXX yearly fees to open up a new card when all they had to do was grant me the credit line increase. The company went and restricted my new account and is preventing me from paying any additional payments on it. I feel being retaliated against because of mentioned unethical business practices.
Consumer complaint received 2016-09-06
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: FORD MOTOR CREDIT CO. (NY)

My name is XXXX XXXX. I have account with Ford interest advantage. I got the call from Ford interest advantage customer service that XXXX counterfeit checks were paid from my account. 
I tried to resolve this matter with the company but was not successful. I want my money back Please assist.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IA)

This is the third time XXXX XXXX XXXX has sent a bill to collections and the collection agency has incorrectly identified me as the owner of the account. Each time, the collection agency sent the information to credit monitoring services negatively impacting my credit. The latest agency is XXXX XXXX XXXX and the previous two were XXXX XXXX XXXX I have never held any account with XXXX XXXX XXXX. The previous two incorrect collections ( XX/XX/XXXX and XX/XX/XXXX ) were deleted from my credit reports and the third is pending ( XX/XX/XXXX ) I have asked all three credit agencies to verify additional information and my credit has been locked since the initial issue.