davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: COMMUNITY CHOICE FINANCIAL, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX To whom it may concern : I am formally requesting that you validate all notations you have submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me, XXXX XXXX, for account number XXXX. In the amount Of {$480.00} Due to possible inaccuracies in these credit reports, I lawfully request the debt validation be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally. 

Please know that you have 15 calendar days from the tracked and confirmed delivery of this notice to either answer these demands or to remove the associated negative trade line notations from reporting agency reports.
Consumer complaint received 2024-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NH)

Attached is a timeline of events, related to the XXXX Federal Direct Stafford and PLUS Graduate Loans taken out through Edfinancial Services XXXX XXXX XXXX XXXX XXXX XXXX totaling {$61000.00} in unsubsidized loans using my social security number and an address I had over 30 years ago. I did NOT sign the Electronic Master Promissory Note. A simple internet search would show that the information on the application is incorrect. I have submitted an Edfinancial Services, Loan Discharge Application, yet it has been rejected for reasons unknown. How can I complete the Loan Discharge Application for False Certification for Identity Theft when the schools involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX will NOT give me information. I need some clear direction from Edfinancial Services on how to remove the loans from my credit file. Why doesn't someone arrest the student who is apparently attending the schools using my social security number and name. I'd appreciate timly information, sending letters 3 months after receiving them isn't working for me, especially when the loans are starting to come due. If XXXX score changes for non-payment on loans which are not mine I'll be angry.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

In Previous complaints Filed with the CFPB Equifax, I placed complaints for both inaccurate invalidated information being reported to their bureau. Equifax alleges that they sent me a copy of the credit report but it's been 4 months and have not received anything in the mail at all. 

Their response was : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX XXXX XXXX XXXX or you may visit XXXX. Here you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and your myEquifax products. 

I have received nothing but the same automated response for request for more information. If Equifax fails to comply with sending a credit report or validating inaccurate items, I will be forced to take legal actions for misappropriation, lack of full disclosure and violations of the FCRA for every item listed where there is no contract and they choose to ignore which will be beyond the minimum of {$1000.00} per violation. 

Please encourage this company to DO THEIR JOB and send a copy of the credit report for XXXX XXXX XXXX.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

hello and good day. 
u open a account with Experian in open a free account in XXXX. - XXXX of XXXX. 
they have the wrong information on me. my name is XXXX XXXX XXXX. they show XXXX XXXX XXXX XXXX. which is wrong. I called and called and none thing is fixed. they say wait 6 months. for what. they do not know what they are doing, they made this change. I did not. 
they made the change in XXXX. when I was talking to the dispute department they said my name shows as XXXX XXXX XXXX. but when i log in it shows XXXX XXXX XXXX XXXX. showing i have no credit. I wishes I never signed up for an account with them. I am not sure what anyone can do. a company runed very badly.
Consumer complaint received 2022-01-14
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: ROBINHOOD MARKETS INC. (CA)

Hello On XX/XX/2021 I ordered from XXXX XXXX XXXX for {$440.00}. I found out that the order I'd made my order incorrectly and canceled it with XXXX. I was told the refund would take 10 days but when more than 30 days had passed and I had not gotten a reply to my emails to asking about the refund, I disputed the charge with Robinhood in XX/XX/2021. 

I gave Robinhood pictures of the receipts and explained what happened. 

In XX/XX/2021 I received an email from XXXX  that my refund for {$440.00} had been submitted. 

It is XX/XX/XXXX and I have not gotten a refund or a credit back to my account. 
As I write this I'm talking to a " XXXX '' at Robinhood customer service ( XXXX ) XXXX This is the strangest customer service experience I've ever received. He doesn't appear to understand anything I'm saying and is talking in complete circles to me. 
I am getting no help whatsoever from Robinhood. They are just playing games with me.

Robinhood is claiming that there is a transaction in my account, not visible to me either in the app or online that explains where my {$440.00} is. The {$440.00} is not in my account and no one can explain this to me. 

Robinhood has sent me back an email saying they will not issue me a refund and they are impossible to get on the phone and are not responding to emails or pleas on social media.
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on my payment history from your company. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-11
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: LEXISNEXIS (NC)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' so if that's the case. How did the credit bureaus verify my bankruptcy as 100 % accurate. they never did a fair investigation according to the 15 USC 1681.Lexis Nexis also sent me a letter stating " There is no bankruptcies reporting on my credit report. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigate consumer report '' means a consumer report or potion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. states I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (AL)

THE DAY THAT WE WERE CLOSING ON OUR PRIMARY RESIDENCE I NOTICED THAT A {$2500.00} UNAUTHORIZED TRANSACTION OCCURRED FROM OUR SAVINGS ACCOUNT. THE TRANSACTION WAS AT ONLINE AND ORIGINATED FROM AN OUTSIDE AGENCY THAT HAD GAINED MY PERSONAL INFORMATION AND TRANSFERRED {$2500.00} FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT AGENCY IN TEXAS IN THE EARLY HOURS OF THE MORNING THROUGH THE NAVY FEDERAL CREDIT UNION IN XXXX, ALABAMA IN XX/XX/2020. NAVY FEDERAL INVESTIGATED THE INCIDENT AND STATED THAT THEY WOULD CREDIT OUR ACCOUNT BUT THEN THE NEXT BUSINESS DAY OR THAT SAME DAY THEY WOULD XXXX THE AMOUNT OUT AND SAY THAT " YOU MADE YOUR ACCOUNT OVERDRAWN OR IN THE NEGATIVE AND WE HAVE TO MAKE OUR MONEY BACK ''. SO THE MONEY WENT FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT ACCOUNT IN TEXAS AND WE NEVER WERE PAID BACK AND NAVY FEDERAL CREDIT UNION STATED TIME AFTER TIME, THAT THEY HAD TO MAKE " MAKE THEIR MONEY BACK '' XXXX THIS NEEDS TO BE INVESTIGATED AND WE DID FILL OUT A POLICE REPORT BUT NEVER, EVER DID WE GET THE {$2500.00} BACK!!!
Consumer complaint received 2022-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 )
Consumer complaint received 2022-10-25
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. (GA)

I have submitted over 49 letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXX XXXX ) I would like have XXXX XXXX XXXXXXXX blocked and removed from my file i request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party This is account. This should not be reporting on my account. I have no knowledge of this. Please remove immediately. I have attached drivers license, Social Security, card, and proof of address
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX XXXX OPENED XX/XX/2018 This account is reporting inaccurate information. The auto loan was sold and the deficiency balance is not {$4000.00}. The company has failed to report the accurate balance and I demand this account be deleted from my file immediately.
Consumer complaint received 2022-09-08
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: EQUIFAX, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2020-06-30
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. (TN)

On XXXX XX/XX/2020 I got a notification from XXXX XXXX  that my credit was ran through a mortgage company. I google the inquiry and I believe is XXXX XXXX  I recently got my email hacked but my social was never attached to it. I would like to find out what information they received from whoever submitted the application. I have never provided my social to anyone other than two or three creditors in my lifetime. This was done unlawful and without my permission. I believe Transunion is the only creditor but I could be wrong.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I disputed a number of inquiries that is on my Experian credit profile. These inquiries were not obtained by any company that I gave permission to check my credit report to. I did not authorize any third-party company to give my information to these companies to request a credit report or a viewing of my credit portfolio. Nevertheless experience came back with a blanket answer stating that they had factual proof that these companies were allowed to obtain my report. Experian did no such investigation only gave a blank an answer to a problem rather than addressing the potential identity fraud that couldve occurred. Their response furthers in my opinion a reason for a more intense investigation into their practices. You cant simply allow someone to obtain a credit report illegally and then give a blanket excuse of it couldve been a third-party company and not even investigate it. It makes me think Experian knowingly sold my information to companies without my permission. Its actually the only thing that makes sense since they dont even wan na look into it and correct the fraudulent viewing of my credit history
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, at a XXXX XXXX XXXX I withdrawn 3 transactions from an ATM located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX owned by XXXX  XXXX XXXX. The first 2transaction was for {$62.00} each, which transactions where successful and then later I requested another one for {$100.00} which failed due to power loss to the ATM and the transaction did not perform successfully because of ATM System failure at this location. The ATM power went off and I summons for the store Manager to come over to assist me and thats when he unplugged the ATM in order to power it back up in order to get it restarted, then the ATM restarted and indicated ATM is temporarily out of service with an ERRORCODE : XXXX { XXXX ) indicating Power off while dispensing I was then informed by the store Manager to call the Owners at XXXX in which the representative stated that she sees I didnt get the cash because of power loss. I then I called Chase bank on the same date of XX/XX/2022, to request a reversal of funds because the ATM at this location dispense the cash requested even though it went through my account as a debit. The Claim number the bank provided is XXXX. 
The Bank reversed and added the funds back to my account XX/XX/2022 ; however, on XX/XX/2022, a claim reversal was made to reverse the funds back to the ATM owners. In which I highly detest because on XX/XX/2022, I did not receive the funds in the amount of {$100.00} from the ATM located at the Gas station stated above this letter. I challenge the ATM owners to provide proof other than transaction data that these funds were dispensed out of there ATM machine. The store has cameras and I challenged them to provide proof from the cameras that I got funds after my XXXX transaction that day from this ATM machine on XX/XX/2022. The store Manager can attest to this matter as well.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (VA)

I am writing to formally dispute inaccurate information on my credit report regarding closed accounts that are negatively impacting my credit score. The accounts in question are as follows : Creditor Name : XXXX XXXX  Account Number : # XXXX Reported Status : Closed Negative Creditor : Credence Resource Management Account Number : # XXXX Reported Status : Paid Settlement Negative According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. I believe these entries are incorrect for the following reasons : These accounts were paid in full and should not reflect a negative status.
Consumer complaint received 2021-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (PA)

I have been waiting for a permanent loan modification due to my unemployment and housing situation. One Main Manager XXXX XXXX in XXXX, has been working on getting this modification for about 3 months. This took a long time to get an answer and XXXX promised me that no late mark would go onto my credit files since it was not my fault this modification was taking so long, He stated there have been a lot of modification requests from customers and One Main is backed up. He had been going back and forth trying to get it approved. XXXX did not instruct me to make a payment ( after the two deferred payments I made in XXXX and XXXX XXXX asking me to wait until after the approval of the loan modification. 
I expressed my concern with him about my credit rating via phone calls and emails ( see attached emails ). He stated on numerous times I would not receive late marks on my credit. I believed and trusted him! I have paid my loan on time every month and needed help at this time due to the pandemic. 
Unfortunately, my credit files have been erroneously marked as late which has already negatively affected my ability to get a place, etc. My credit rating has fallen many points. I have been denied due to One Main company putting on these late payment reports. 
Even though XXXX payment was made within the 10-day grace period through modification, this company has marked on my credit file that I was late and owe them a balance of {$1.00} This information is inaccurate as the account is paid current as of XX/XX/XXXX! I have disputed these late marks with all three credit bureaus and want these late marks removed from my credit bureaus ASAP! It was not my fault the modification took so long to be completed! 
This company reported late payments to my credit when they promised not to. I have never been late, and I do not want my credit ruined because of this company taking over 3 months to come to a decision on this loan modification! To reiterate, I was promised my credit would not suffer. 
I have enclosed emails, agency complaints, XXXX payment receipt and a copy of the loan modification for this dispute.