davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TN)

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by FIRST INVESTORS FINANCIAL SERVICES , INC . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by FIRST INVESTORS FINANCIAL SERVICES , INC. on 10/25/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by FIRST INVESTORS FINANCIAL SERVICES , INC. adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. FIRST INVESTORS FINANCIAL SERVICES , INC. is now civilly liable to pay me for the damages. My credit card was charged and I did not benefit from the transaction at all. Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Im a 100 % disabled veteran and I applied to have my student loans forgiven. The process took sometime and I continued to pay my loans on time as always. When the forgiveness was granted they backed dated it to when I was granted my disability and returned payments to me. When this happened the credit bureaus updated my payments as more than 120 days late. I contacted fed loan servicing and they advised me in there system they dont show me as delinquent or late instead they show me as paid and closed. I disputed this issue with the bureaus and it hasnt been fixed. Its disrupting my great credit and payment history and I have already been denied a few occasions with the reason being serious delinquency. Please fix these as soon as possible it is really affecting my life and wellbeing.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian XXXX XXXX This account was closed in XX/XX/2008 it is over 10 years old please remove at once Documents enclosed
Consumer complaint received 2022-09-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NC)

I NO NOTHING OF THIS COMPANY NEVER HEARD OF THEM I OWE THEM NOTHING NO VALIDATION VIA EMAILOR USPS I HHAVE NO CONTRACT OR AGREEMENT WITH THIS COMPANY WHAT SO EVER
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (CA)

I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ). promptly delete that item of informationm from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$270.00} : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX BLANCE {$150.00} : XX/XX/XXXX XXXX
Consumer complaint received 2022-09-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The bofa employee has no knowledge of loans and reads through a script unable to answer questions. The program for minorities is only offered in XXXX XXXX XXXX where its a XXXX dollar home that was once $ XXXX in the 1950. This is purposeful unethical business practices. I make $ XXXX a year and can not afford XXXX market. 

These impossible programs designed to help people are just a disgrace and help no one. 

Please correct their false, corrupted, and unethical business practices. 
They downsized their mortgage departments, advertising false programs and stealing data and credit reports. Marketing high interest cred cards. 

Terrible and unlawful business practices.
Consumer complaint received 2022-09-24
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. (NY)

I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX 's and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

my car has been repo 2 days ago due to non payment in 8 months but from my understanding was that repo comes after your car within 2-3 months i have checked my wells Fargo account and the money has been withdrawn monthly from my account but the finance company for my vehicle is XXXX XXXX XXXX states they have not received payment in 8 months. the money is not in my account. the money was not received towards the car payment. where is my money
Consumer complaint received 2022-09-24
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. (NY)

I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.
Consumer complaint received 2022-09-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, USDOEXXXX XXXX, USDOEXXXX XXXX 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.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by mo

re than seven years. 15 U.S.C. 16881s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I believe I may be a victim of identity fraud by this company. Per my Transunion credit report, it states " XXXX XXXX '' had a permissible purpose and written authorization to receive my credit report on XX/XX/2021. However, to the best of my knowledge I have never applied for credit or a loan with this company, have an established business relationship, been offered a firm offer of credit nor have I given written authorization to pull my credit report. I have attempted to communicate directly with the company to voice my concerns and get additional information on this matter. However, despite the phone calls and emails, my attempts to resolve this matter have failed. I have questions that only XXXX XXXX can answer. 
I need to know did XXXX XXXX have written authorization and permissible purpose to receive my consumer credit report? I need to know was their an application for credit submitted in my name fraudulently? If so I will need that documentation to contact Transunion and dispute the inquiry and place a fraud alert on my file. I did not apply for credit via XXXX XXXX platform and I need to have the issue cleared up prior to contacting the credit bureau to have this inquiry removed.
Consumer complaint received 2022-09-24
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. (TX)

Transunion and XXXX XXXX  you are reporting XXXX XXXX  last reported XX/XX/XXXX XXXX  it states closed in XX/XX/XXXX OVER THE STATUE OF LIMITATION over 10 years I should Sue both of you Document of proof enclosed CFPB I request you step in on this matter
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (UT)

Ive had a payment arrangement set up on my account for months now, which Ive been pretty much on top of. What I did not know was that my account was still reflecting in such a horrible state long after the arrangement has been made. The point of a payment arrangement is that its to get current, not a placeholder as it was explained to me. If Im paying to be put in the arrangement, the remaining past due amount is rolled into the back of the loan, giving a new amount due and my account is current. It was told to me when I originally set up the arrangement that with my amount owed it was going to be that amount due till it was paid off in 2 years. So I would have had negative reporting for that whole time??
Consumer complaint received 2021-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (GA)

On XX/XX/2021, I received two PSLF Qualifying Payment Update letters dated XX/XX/2021. These letters note that they " have reviewed your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ). '' I have not submitted a new PSLF Form since last receiving PSLF Qualifying Payment Update letters on XX/XX/2021 and XX/XX/2021. The last PSLF Form I submitted was marked as received by FedLoan Servicing on XX/XX/2021. I do not understand why I continue to receive these additional PSLF Qualifying Payment Update letters based on the content in the new letters dated XX/XX/XXXX. Was my account reviewed for additional payments? There is no corresponding explanation as to what is occurring right now ( as this is not fully addressed by the PSLF Qualifying Payment Update letters ) and I am very confused because FedLoan Servicing is only sending form letters without correspondence crafted to me to directly explain what is occurring. I do not understand why the payment count keeps changing when I have not been submitting additional PSLF Forms.
Consumer complaint received 2021-11-11
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: LOBEL FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, LOBEL FINANCIAL, is inaccurately and erroneously reported. Their intentional and willful furnishing of misleading information is a violation of FCRA Section 623 and according to FCRA SectXXXX XXXX. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please examine and delete it from my credit file.
Consumer complaint received 2021-11-11
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : DPT ED/XXXX-XXXXXXXX-Balance {$21000.00} XXXX-Balance {$25000.00} XXXX-XXXXXXXX-Balance {$0.00} XXXX XXXX-XXXXXXXX-Balance {$1200.00} XXXX XXXX-XXXXXXXX-Balance {$780.00} XXXX**-Balance {$75.00}
Consumer complaint received 2022-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

Amex complaint XXXX ID # XXXX is the culmination of several weeks of website inadequacies. The first and most salient deficiency is Amexs online failure to populate my credit card activity. Each charge is obscured by a red error message. Please see two attachments as follows : XX/XX/XXXX screenshot which is embedded in my email to Amex to alert Amex to the error code. 
Todays screenshot to show the problem persists. 

How can a consumer verify if his charges are accurate or fraudulent if the activity does not even populate? 

Second, I see an AMEX website that needs overhaul. For example, instead of loading the advertisements, offers, and inducements, I simply want a clean page of card activity. Third, specifically, online I need the new outstanding total next to each charge. To clarify this ongoing request, I am attaching a third document ( i.e., example for Amex rolling summary for each charge ) from a different financial institution. Please note how the XX/XX/XXXX charge for XXXX at the top increased the total balance from XXXX to XXXX. 

I am disappointed that such user-friendly running tabulation is not standard protocol across all credit card websites nationally. I endorse it and request the change to occur with immediate effect.
Consumer complaint received 2022-09-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I currently switch from XXXX to XXXX. However after i connect with a girl named XXXX  to end my services with XXXX. The next day i received a notice that XXXX made a hard credit inquiry check. The inquiry was done without my consent. They have done this too back in XXXX  Why would they pull my credit unless there's something inside the company doing illegal stuff. 
I hope this hard inquiry will be removed as it has harmed my credit score. 
Additionally, i never missed a payment to loan nor to bills. The upcoming bill for XXXX is due in the XXXX of the next month. All this doesn't make sense.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

PayPal erroneously changed my personal account to Business in XX/XX/2022 and proceeded to charge me transactions fees for " Goods/Services '' despite the transactions being between " Friends and Family ''. I approached them twice and they give XXXX  reasons that they can't refund fees that their system created. Its about a {$100.00} which is a lot to me ... See the history of transactions and the online chat I had with them for the 2nd time.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I ordered a wig through this hair company through instagram. I paid for it through the company XXXX thinking it was a legit business, but it is a scam company. I made all four payments on time and NEVER received my wig from the scamming company so I tried disputing the charges through XXXX a number of times explaining that I NEVER got my wig and they gave me XXXX after XXXX so I disputed them through my bank and now they reporting to my credit as if they didnt get the payment but they did. I dont owe them XXXX they owe me all my money back but I only received half of it! I reported them, XXXX, to the XXXX and noticed I wasnt the only one scammed by these scammers.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I noticed unauthorized inquires on my credit report from TransUnion and wrote several letters to dispute the unauthorized inquires being reported by this company. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Each the above inquires were not authorized by me and I do not recognize them. This is causing a negative impact on me.
Consumer complaint received 2022-07-05
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act XXXX  account XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX XXXX bal XXXX acc number XXXX.Has violated my rights. 15 U.S.C 1681 section 602A states I have a right to privacy. 15 U.S.C 1681 section 604A section 2.It also states consumer reporting agency can not furnish a account without my written instructions ... my ss number is XXXX XXXX XXXX.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.