davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/year>, I initiated a dispute with Transunion and I received results in XX/XX/year>. Shortly after receiving the results, I sent a request to to know the following in reference to the investigation : - details of original creditor including their name, address, and telephone number - name of the individual with whom the dispute was verified - documents or other forms of proof that were used to validate the dispute This should have been provided within 15 days of receipt and to date ( more than 120 days later ) I have not received any of the request information.
Consumer complaint received 2022-07-27
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. (IL)

15 U.S. Code 1681i - Procedure in case of disputed accuracy Dates on accounts are showing inconsistent information and many inaccuracies.

Dtae opened balance XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX Bankruptcies eported by thujes party and not original furnisher XXXX XXXX XXXX inccorect name of company XXXXXXXX XXXX XXXX XXXX  different account number DELETE UN Verfied information Fcra states the first party has to report information on consumer credit profile accurately DELETE due to inaccuraties and unverfied information
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Good evening, I was pre approved for Chase sapphire credit card. Once I confirmed to open the account, I realized that my credit score went down because I had credit inquiry. I called Chase, asking- can you please close the account and remove credit inquiry as I didnt know it will happen. He said I can close your account but can not remove inquiry. I said well that is not the point never mind. He sad ok. End of the call. I went to check my account again and I saw he closed my account! And my score went down even more! Chase told me they can not fix his mistake and I have to contact you! Please remove my credit impact for todays date.
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (TX)

I closed on a house and one of the requirements was to payoff an American Express balance. The financing bank could only payoff the most recent statement, which did not reflect my most recent {$400.00} payment. I knew this would result in a {$400.00} credit balance and I planned to contact American Express for a refund to my payment account on file once the payment posted. 

I am in the middle of a move, so many things are already packed away - including this particular credit card as it's simply a backup card. 

Once the payment posted, I attempted to use the website to request a credit balance refund. I entered {$400.00} but it gave me an error indicating I needed to enter an amount equal to or greater than {$0.00}, so apparently the website is broken for users wishing to request a credit balance refund. 

I instead attempted to use their chat support. I was logged into my account and verified my mothers maiden name as requested. They then asked me to verify the 3 digit security code on the back of the card. As I am in the middle of a move, the card is packed away. I would have to unload and unpack several boxes to find it. I explained this and asked if there was any other method of verification I could do and they said no. They directed me to a supervisor who said the same. 

Their only suggestion was to mail a check - as I am in the middle of a move and I do not know how long that would take, I don't know what address I would even use - my old address where I won't be soon? My new address I won't be at for two months? A temporary address? And how is that the more secure option when the check could easily be lost, stolen, or delivered to an address I'm no longer associated with? 

I asked for a refund of my most recent {$400.00} to the payment account it was made from, and they told me I'd still have to provide the same 3 digit code.

Basically- American Express wants to sit on my {$400.00} because they have no method of verifying their customers unless that customer has a silly 3 digit code rather than find another way to verify me and safely and securely return a payment to the payment account that has been on file for years. Instead, they'd rather drop a check in the mail to an address I won't be associated with in a week.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I contacted the credit bureaus to have addresses that arent mine removed Experian said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for XXXX I always have issues with them its just no reasoning with XXXX Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through 5000 hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with XXXX of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and XXXX and XXXX of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.
Consumer complaint received 2022-08-19
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: FIRST NATIONAL BANK OF OMAHA (UT)

I opened a Scheels credit card through FNBO. They have made it impossible for me to create an account and will not give me any information about my card. When I asked what the balance is so I can pay it off, they refused to tell me.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OR)

on XX/XX/2021 I got a notification about my new credit score being decreased quite significantly. I have since attempted to dispute this account that has never belonged to me. When I looked into this a bit deeper I saw the the address attached to the account and the information used to get the credit card I realized this was Identity fraud ( by possibly one of my uncles in the XXXX ). 

I attempted to get this resolved directly many times but they requested a police report which I was not able to provide due the fact that I had no information on the uncle I suspected of doing this. I have requested original documents from EXPERIAN, XXXX, XXXX and for them to validate the debt based on the other Items I have disputed on my account. 

This is really affecting my life in a negative way as I have not been able to get a place or get a loan to get a car. I am Trying everything to get this out of my credit report and EXPERIAN, XXXX, XXXX has been making this process supper difficult. 

I have saved up enough to buy a house for me and my family, but my credit is affecting this majorly. 

I have attached the last person to review my file and has not reposed to me in the 30 days indicated by the CFPB. 

The difficult issue here is that I have tried everyday possible to get some sort of response from the credit burrows and all they do is update my account when I ask for a full validation and for them to provide the original documents. I am beyond frustrated and I am just looking for some direction. I can't wait 7 year for this to be removed when I was not the one responsible for this. 

I hope you are able to help CFPB. 

Thank you for your time reviewing my case.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to get this issue resolved since the middle of last year XX/XX/2022. There are fraud accounts that are reporting that the companies keep verifying but fail to send me the steps or proof of how they verified thus information. As a consumer I have rights and I know that what the companies are doing is illegal. Per 15 USC 1681B If i state an account isn't mine it must be removed. AGAIN No one has sent me a wet signature confirming that it was me who created these fraud accounts! This is distasteful and I am going to take legal action if this matter isn't finally resolved once and for all.
Consumer complaint received 2022-09-26
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. (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-14
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. (NJ)

In XXXX of XXXX  a payment was reported 30 days late on my report. Apparently the payment was due on XXXX XXXX, XXXX  and was on auto pay which pulled on XXXX XXXX and apparently returned for whatever reason on XX/XX/XXXX. I was never notified that the payment was returned nor was i given the option to make a payment. By XX/XX/XXXX the next payment was due and likewise was taken out of the account because it was on auto pay as well. The XX/XX/2022 reporting of a 30 day late payment is totally inaccurate. From XXXX XXXX XX/XX/XXXX is NOT 30 days, its in-fact 28 days. This means this company was allowed to falsely report on my credit report and has been falsely reporting on my credit report for the past 8 months.
Consumer complaint received 2022-11-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (MI)

Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. 

My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. 

The amount was, I believe, {$320.00}. 

It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days as a matter of policy. 

I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. 

A few weeks later, they did send me the refund check and I cashed it. 

First, they called me and told me that I owed them {$500.00}. 

Then, today they called me saying that I owed another {$400.00}. 

I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. 

And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. 

The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.
Consumer complaint received 2022-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC (IN)

On XX/XX/XXXX we purchased a Solar Panel System thru XXXX XXXX XXXX which changed their name to XXXX XXXX for the amount of {$48000.00}. We were financed thru Sunlight Financial XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XX/XX/XXXX XXXX XXXX closed their doors and went out of business, leaving me and thousands of other customers out to dry so to speak. XXXX XXXX used deceptive and unconscionable tactics in order to convince consumers to buy solar panel systems and performed shoddy and substandard work installing them, and sold me a system that I was promised to supply me with 95 % of my electrical consumption and only produces 50-60 %. I have tried to get some answers and resolution from Sunlight Financial, since XX/XX/XXXX I have called 3 times and they will not talk to us. I have also emailed them with no response. Please give me some guidance as we have a substantial loan and now XXXX XXXX is out of business which voided their contract with me.
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

Under the Sweet v Cardinal suit the Dept of Ed informed Nelnet to discharge my XXXX loan in full and refund me all that I paid on it. I was part of the lawsuit. My school on the list of predatory lenders. 
Before this victory XXXX XXXX was pressured to respond to Borrower Defense applications and randomly denied applicants. I was XXXX. She wanted to give me interest {$3900.00} incurred while waiting. I appealed like many and was put into the class action. 
In XXXX I refinanced, consolidated to one loan, leaving Nelnet going to XXXX. 
The government bought FFELP loans during the big recession. 
Nelnet is trying to give me {$33000.00} Doubling the amount I owe from {$61000.00} to {$110000.00}, saying I borrowed {$37000.00} and {$23000.00} in XXXX. I graduated in XXXX. Thats fraudulent or theyre lying and trying to scam me further. 
And still owe them {$57000.00} I not only owe them nothing according to the court and Dept of Ed. They owe me for the years I paid on my loan. 
I asked XXXX and my loan qualifies for his {$20000.00} in forgiveness had I not been granted forgiveness through the court, therefore I know this is in fact a government owned loan and Nelnet is trying to defraud me.
Consumer complaint received 2022-10-12
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX XXXX XXXX XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXX - XXXX Last 4 digit XXXX : XXXX
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (FL)

IM A VICTIM OF IDENTITY THEFT I am writing in response to your LETTER I sent you a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt.

( 2 ) the name of the creditor to whom the debt is owed.

( 3 ) Provide a verification or copy of any judgment ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) proof with signature As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }.

Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX XXXX. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately.

This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX