davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX XXXX XXXX **, ( XXXX ) XXXX, ( XXXX XXXX XXXX
Consumer complaint received 2021-02-03
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. (TX)

I have been complaining against XXXX XXXX XXXX XXXX for 4 years. Just in the last four months I have complained 70 times with Consumer Financial Protection Bureau. XXXX XXXX absolutely did not have permissible permission to access my personal information which led to two fraudulent loans to thieves. I have requested the permission to help XXXX XXXX prove they didn't have the permission. XXXX XXXX  simply labels all complaints and request as duplicate and ignores the CFPB. I have requested Transunion and XXXX to assist and review the information for completeness and accuracy. They do nothing but shuffle paper and ask their client XXXX XXXX to verify they are reporting correctly. Sometimes Transunion and XXXX have informed me that XXXX XXXX has mailed a response and feel like they have done their American duty. The response from XXXX XXXX is actually a request for more of my personal information so XXXX XXXX can do a fraud investigation that my personal information was not obtained illegally.
Consumer complaint received 2022-11-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX has removed two falsely reported late payments that are still showing up on my Experian and XXXX reports, despite many attempts to correct the issue. Please see attached documentation.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I have deposited one at Chase Bank. The check returned to me by my landlord before is a check in my name. I know it is in my account. Hello, hello people tell me. This check is not me I cant cash it in. Then Ill tell him, Ill tell the bank, if there is no way to give it to me first, then you will return the money to him. 

The previous account will be returned at XXXX o'clock differently. They said that he must write a check. This person asks for a refund. Then I said I cant do it, and the person with the mobile ticket refunds. They just do. Say, then. This check can only be the same for them, and son Hold lives over there. Because if he grows up and doesnt return it, then I can get the money I get now. If it doesnt return, Just being there after they have been there, I'll just ask. 

Isnt it? It means drifting into your hands. Thats because you have the final say, I dont have it, and I cant ask you to refund it. The refund will go to his previous account, and the account will be refunded. You can still tell me, definitely Asking me to take a person to the bank, I said I cant take me to tell them many times. And I told them about this before, and I called them about 100 months ago. I told them on the phone. 

Today, one or two months later, if they still didnt help me, they just got it there, or they kept saying wait for me and wait for me to wait for me to go in. I said people before me said that I cant If I can go in, its okay for me, but he is actually him, and I cant ask him to go in with me because of who this is, especially the landlords who gave me things and asked for money.. 

And if I post something, he can go to other countries not in the United States, so I can't go in.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a hard inquiry that is supposed to fall off XX/XX/2020 and it hasn't. info on XXXX credit bureau states it will push to XX/XX/2020. No acceptable. Two years is two years. it needs to come off immediately.
Consumer complaint received 2019-10-22
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. (IL)

Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.
Consumer complaint received 2021-09-13
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. (GA)

This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from Experian and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Consumer complaint received 2020-11-02
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. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I went through a dispute process with Experian credit beauru because I filed bankruptcy chapter XXXX back on XXXX/XXXX/2014. I consulted with a n attorney that advised i can dispute and have it taken off my credit since it have been 7 years and it is discharged. Experian denied/refused my request and I am still unclear the reason why. I know people personally did same process and it was removed from their credit reporting. This needs to be looked at again. Thank you. I am not allow to dispute again and ask for more information which is not fair to me or any consumer out there.
Consumer complaint received 2020-11-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (WA)

Out of the blue, because of XXXX XXXX I received a collections letter in the mail from Alltran on XX/XX/2020, stating that XXXX XXXX had sent my account to collections due to nonpayment. This Alltran letter states that I owe {$2700.00}. I immediately called Alltran and spoke with XXXX XXXX, who did patiently listen to me and is now the one Im supposed to speak with about this. Im not able to pay such a big chunk of money at once. I wanted to call XXXX and talk to them first, since they had not been in contact with me at all from XXXX to XX/XX/2020 about my account. But, I told XXXX that all educational loans were on hold due to the pandemic and Im shocked and upset I received this letter. She put me on hold then came back to answer that only federal loans are on hold. I told her this whole thing couldve been avoided if I had known I was supposed to have kept paying on this ; which I didnt know that because I had thought all Ed loans were on hold. I couldve been paying on it IF I had been told or warned that these loans were Not on hold, or even when it was one month or two months, etc late. From XXXX XXXX I received No warning, not them calling me to see whats up or why havent I paid, no nothing, no communication prior to just bam now I suddenly get a collections letter out of the blue, not knowing that anything had been wrong all these months. XXXX XXXX  did nothing to let me know any sort of thing. They sent no communications, no email, no letter, no phone call, no nothing to me, after I made my last payment in XX/XX/2020, when the news announced educational loans would be on hold for awhile due to a pandemic. I was up to date on my payments in XX/XX/2020. I called XXXX XXXX at XXXX XXXX on XX/XX/2020, to say hey this isnt right and to explain I thought loans were all on hold for the time being. I was highly upset as I couldve paid it all along if I had known these loans werent on hold. She basically had the attitude of sucks to be you and told me to call Alltran as its now their deal. I think it is unethical for XXXX to not have warned me or called me to ask me earlier on what was going on with my lack of payment rather than my not hearing anything from them for XXXX to XX/XX/2020 ( 7 months ) and then to suddenly be slammed with a collections letter like this.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

I paid what I thought was a 6-month vacation club loan off in what I thought was the time frame allowed. Comenity charged the equivalent of a 50 % interest fee on the unpaid balance a month later. I have contacted Comenity by phone, snail mail, and on the website. Phone representatives said they were unable to do anything. I have received only impersonal digital responses not specific to my concerns by mail. There are only rare moments when I can connect with the website on my XXXX or XXXX devices. The website is generally not accessible. I submitted a complaint to CFPB which resulted in no resolution on my behalf. Thus, I paid the outrageous interest off in two payments and received emails confirming their receipt. 

I sent a request with my last payment to close my account. This month I received a bill for {$540.00}. This charge is unwarranted. The loan was paid in full including interest charges and the account is closed. Sin Comenity does not communicate with its customers in any personal way, I request assistance.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (TX)

In addition to consumers having the right to privacy THE BUREAUS INC is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only. 

THE BUREAUS INC has not conformed and is in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Consumer complaint received 2021-02-03
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I filed a dispute with Chex system about a checking account that I closed with XXXX XXXX XXXX XXXX Bank the account was opened XXXX I closed the account in XX/XX/2020 I was unhappy with the service. When I applied for the account I opted out of the over draft protection some how XXXX XXXX XXXX XXXX closed my account as I requested but are saying they paid a bill which I didnt have over draft protection in the amount of {$370.00} I have called XXXX XXXX XXXX XXXX numerous of times asking what account was paid and please forward me what was paid and why was it paid it I didnt have over draft protection its been two months now and I have yet to receive any thing from XXXX XXXX XXXX XXXX or Chex system.I was reported to Chex system I filed a dispute with Chex system and I have not got a response I want for this to be took off my report closed out from Chex system as well as XXXX XXXX XXXX XXXX I dont owe {$370.00}.
Consumer complaint received 2020-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NY)

I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (NC)

I am writing to dispute and complaint the negative mark that Santander Consumer USA has reported on my credit report regarding the repossession and sale of a vehicle. The vehicle was sold at auction, and Santander also filed an insurance claim under the " known loss '' provision and received compensation for the vehicle. Despite having received funds from the auction sale and an insurance claim, Santander has reported a derogatory mark on my credit report. This is both **inaccurate** and **unjust**, as it suggests I still owe a deficiency, when, in fact, the vehicles value has been recovered through both the auction process and the insurance claim. 
Under the **Fair Credit Reporting Act ( FCRA ) **, creditors have a legal obligation to report accurate and complete information to credit bureaus. The current negative entry on my credit report does not reflect the full financial recovery Santander received through these two sources and is causing significant harm to my creditworthiness. I demand that Santander **immediately remove this negative mark** from my credit report. Please treat this as a formal dispute of the information reported to the credit bureaus. I request written confirmation within **30 days** that the negative entry has been removed from my credit report. Failure to correct this issue will result in my escalating the matter to federal agencies, including filing complaints with the **Consumer Financial Protection Bureau ( CFPB ) ** and the **Federal Trade Commission ( FTC ) **, as well as pursuing other legal avenues available to me.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was sent a letter from Chase stating that they may have given me erroneous information about a 0 % apr on purchases. They stated in the letter that they will honor the rate until XX/XX/2023. When the rate didnt kick in and I was charged interest, I called them. They told me they found the letter and would refund my interest charges within 7 business days. On XX/XX/XXXX they sent me a notice saying that the XXXX was correct and they did not refund or change the interest rate. I called them and used their online portal to send them copies of their letter and now they are not responding to me. My copies were sent to them on XX/XX/XXXX and I keep getting told I will receive a response in XXXX business days. Still no response.
Consumer complaint received 2021-02-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (IA)

My mortgage to loan ratio is at 75 % and my lender is refusing to remove PMI from my mortgage. Everything I have read states it has to automatically be removed once the loan reaches 78 %. I received a letter back from them stating my mortgage is at 80 % and qualifies to have PMI removed but I have to get a BPO first and to do that I need to send them a check for {$150.00}. Not only should I not be sending them a check, they should be crediting my account back {$400.00} for the PMI I have paid since my mortgage reached 78 % back in XXXX 2020. 

I called in and explained this to them and they still insisted I need to pay for a BPO. Again, everywhere I am reading says the lender is required to remove PMI once the loan reaches 78 % and it is required to be free of charge.
Consumer complaint received 2020-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

Please see prior Citibank complaint and full documentation provided. I tried to respond and CFPB website it would provide access to do so, which was not received, then complaint was automatically closed out. 

Specifically : - company response confirmed its retaliatory act of decreasing my credit limit as a result of bank 's improper KYC practice - and bank 's improper KYC practice response revealed & documented it had failed to properly contact me at my current address on file and used one that was out of date, then refused to interface with the bank professional who Knows Their Customer, my banker - the bank failed to provide a transparent, clear response to its foreign transaction fees/exchange rates, misrepresenting what it charges - subsequent bank documentation continues to confirm retaliatory behavior by declining to restore my original credit limit and response documentation confirms one hand doesn't know what the other is doing, nor have any interest in resolving matters when one division 's improper practices or errors creates another division to take improper action. 

It's been over a year and well beyond the time this should have been resolved, especially for a client family relationship of 64 years. I would prefer to restore the relationship over turning the matter over. If it can not be resolved to mutual satisfaction in 60 days, this note serves as my formal request for the CFPB to initiate a class review and/or refer class action firms for next steps, as it is clear this has negatively impacted many throughout the US
Consumer complaint received 2021-09-13
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. (PA)

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. Regardless of the numerous written requests, the uncertified inquiries listed below are still reporting on my credit report in violation of Federal Law. Equifax Credit Bureau failed to follow with Fair Credit Reporting Act, 15 USC sections1681i within the period stated by law and pursued reporting of uncertified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX