davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (SC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX
Consumer complaint received 2021-04-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (CA)

I have found 4 accounts on my credit report that do not belong to me they are a bunch of different things that I have not signed or applied for. I have sent out a Identity Theft Report and also contacted the bureaus multiple times with letters after letter since XXXX of 2020 4 letters to be exact and they have not done anything about this. Please help me out XXXX XXXX XXXX XXXXXXXX - XXXX # XXXX Amt {$4200.00} XXXX XXXX XXXX XXXXXXXX - Act # XXXX XXXX {$4400.00} XXXX XXXX XXXX - Act # XXXX Amt {$180.00} XXXX XXXXXXXX - Acct # XXXX Am {$150.00}
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

ON XX/XX/21 I submitted a dispute with the 3 bureaus and I have yet to receive a notice of the investigation. I really need this matter resolved.
Consumer complaint received 2022-07-29
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-02
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: EQUIFAX, INC. (CA)

You are violating my rights clear AS DAY! I do not understand how you are blatantly disregarding my rights under HIPAA. My private health information can not be shared or reported. By reporting this information, you are directly sharing my information with everyone who has access to my credit report. This is illegal and is also a violation of the FCRA.
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX - XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX - XXXX, XXXX, XXXX,XX/XX/XXXX
Consumer complaint received 2022-08-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SLM CORPORATION (AZ)

SALLIE MAE BANK closed my money market account unilaterally, which they are permitted by contract and I have no problem with that. SALLIE is unethical, breaks the law and has terrible customer service so I wanted the account closed anyway. The complaint is SALLIE transmitted the balance via ACH EFT to another account despite specific written instructions [ attached message dated XXXX at XXXX ] NOT to do so but to instead mail me a check for which I offered to pay. Thus SALLIE made an illegal transaction, deliberately and willfully violating written customer instructions. In doing so, SALLIE violated the law 12 CFR Part 1005 ( Regulation E ) ELECTRONICS FUNDS TRANSFER ACT. Please take action against SALLIE for violating law and fine them. This NOT a duplicate of a separate complaint I made earlier CFPB XXXX which was for an incorrectly coded transfer by SALLIE to XXXX XXXX  and is entirely different from this issue so do NOT close this new complaint as a DUPLICATE though the earlier complaint led to my {$98000.00} being lost and SALLIE did nothing to help or resolve the situation
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (MO)

Company involved is Paypal. I received a prepaid mastercard in my name with a card number and documents on what to expect with the card on Friday, XX/XX/2021. The card has a sticker on the front with a number to call and activate. I did notice a drop in points on my credit score but thought nothing of it until i received this card. I do have a paypal account that I used for receiving funds from XXXX sales in the past and to transfer money, but I have never in the past year opened a new credit card with Paypal. 

An attempt to contact paypal that day went unsuccessful and another attempt was made Monday morning, XX/XX/2021. The representative could not find any information on file that indicated I had opened a new account or that I had a card on file. He attempted to direct me to a representative within the credit card department to help me but the call was never answered. I will attempt again Tuesday morning, XX/XX/2021 to contact paypal about this problem.
Consumer complaint received 2021-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

XXXX XXXX I was asked about my email, I then confirmed it after that I got an email saying with a pin that they said they needed to access my account after giving it to them I then got an email saying my password had been changed. After getting into my student account they had access to all of my information when they then verified all of my information with me. They then had me set up payment plans and got my debt card number. They then set up a payment for today of $ XXXX.They sent me emails of things to sign I did and then I got another email about forwarding my last two pay stubs to them to show my income to determine my average on what my loan payment would be. I sent them.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

Hi I sent a international wire transfer of XXXX on XX/XX/2021 for goods for my small buisness and noticed it was taking a few days to deliver .... so I checked my secured messages in my chase app on XX/XX/XXXX th and saw the wire department sent me a message stating my wire transfer was rejected by the recipients bank due to not excepting this form of payment?! And that the money is on its way back to me and will first be converted back to usd then placed in my account typically in 3-5 buisness days. 

Well it has been well over 3-5 buisness days and no money?! I tried reaching out to chase numerous times to get more information on the status or how they can help but no ones knows anything or has any information on how to help track down my funds! To make matters worse the actual wire department no longer excepts calls only email but does not seem to be responding to my emails! Please help me get my money back!
Consumer complaint received 2023-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NC)

I registered for Auto Pay on XXXX XXXX XXXX. I received a confirmation email that gave me an estimated start date for auto pay to begin of XXXX XXXXXXXX XXXX. On XXXX XXXX XXXX  the auto pay did not happen. This was on a weekend, and the EdFinancial website stated that it could take a few days to reflect the payment processing. I waited a week, and the payment was still not updating. I have tried calling multiple times and have had multiple hours long waits to be disconnected as soon as I apparently reach someone. I have tried emailing them as well only to receive no answer to my emails. After waiting a week. I just made the payment manually, but now EdFinancial is reporting it as a late payment. I then re-registered for Auto Pay with a new estimated start date of XXXX XXXX XXXX. My account still is not showing that Auto Pay has been set up, and I do not believe that my payment will be deducted when it is supposed to be which will result in another late payment.
Consumer complaint received 2021-04-01
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: Santander Consumer USA Holdings Inc. (FL)

I have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.
Consumer complaint received 2021-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CT)

I am writing to insist that 3 inquiries/late comments on my credit report from GMC Financial be reviewed and withdrawn and expunged. These all relate to a final bill for my GMC XXXX, XXXX truck lease that was sent to me in XX/XX/XXXX and then inexplicably marked past due in XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX, XXXX ( 60 days ). 

The final bill was received in the mail in XX/XX/XXXX. The bill was higher than anticipated and included unwarranted charges. At that time, I immediately contacted GM Financial. The agent agreed and told me that the final balance would be reduced. I requested a written confirmation. The agent said : " We don't do that '' to which I responded : " How do I know that the bill was in fact reduced without a written confirmation? ". The agent then advised me this would be confirmed in writing. 

In the months following I received several automated robo calls in which I was asked to enter my social security number in order to review the specific issue. I responded to the calls by repeatedly requesting that a bill with the reduced balance be sent to my home address. The calls were impossible to authenticate and I was inclined to not provide my social security number because I was never asked to provide the GMC lease number that appeared on my monthly statements while the lease was in progress. 

It was not until XX/XX/XXXX before I received any additional communication in writing from GMC Financial. GMC 's records confirm that no other written communication was sent to me. This was confirmed to me on the phone by a GMC representative. Once I received the statement in XXXX, XXXX, I responded and the bill was paid in a reduced amount shortly thereafter. The reduced amount was what was originally agreed to in XXXX, XXXX. BUT not until XXXX, XXXX was the reduced amount submitted to me in writing. 

My credit report/rating was negatively impacted for this same final bill as it was reported three ( 3 ) times as past due on XXXX ( 30 days ) then again in XXXX ( 30 days ) and XXXX ( 60 days ). Again, ONLY in XXXX, did I receive written confirmation of the actual final balance in a reduced amount. 

I require that these 3 faulty inquiries/reports on my credit report be reviewed and withdrawn/expunged. I am writing to this agency in an effort to correct what I believe to be a frivolous practice by GMC Financial. I contend that this methodology of billing is a clear violation of the Fair Debt Reporting Act and The FDCPA as it shows a careless and improper course of conduct by GMC Financial.
Consumer complaint received 2023-01-08
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. (IL)

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. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has violated my rights. 

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 an 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 more than seven years.

15 U.S.C. 1681s-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 2022-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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
Consumer complaint received 2021-04-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I already have a Chase Bank checking account. Within the last couple of weeks I have been trying to open a Chase Private Client account. On the Chase web page address as follows : account.chase.com/consumer/banking/chaseprivateclient there is an offer posted soliciting a {$2000.00} bonus if a client upgrades his account to the Chase Private Cllient program by XX/XX/21. I am able to meet all the required prerequisites to qualify for the account. The web page asks me to submit my email address so that Chase can generate a code number so that when I go to my Chase branch they will use the code to open the account and make sure that I receive the bonus. However, I have tried innumerable times to accomplish this and never have I received an email with a code number. I have spent hours on the phone and in person with Chase representatives and no one has been able to resolve the issue nor will anyone at that institution do what is necessary to allow me to deposit the finds required and receive the offered bonus. ( I note that the web page appears to be a bona fide Chase web page as there is a prompt which will directly connect me to my personal checking account at Chase. ) A woman by the name of XXXX from the Chase executive offices did call me but she has never called me back as promised nor has she returned my messages to her. I am baffled that what appears to be a legitimate offer on a Chase web page is not honored by this institution.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (VA)

When I split insurance from my ex-wife in XXXX of XXXX they failed to remove my vehicle and my bank account number even though they said they split our profiles. The charges stopped that fall but restarted in XXXX of XXXX. I could not figure out the duplicative charges and XXXX assured me it was fine. They would not tell me then as well as now where the payments on my banking account were going. I called Navy Federal and only now after they began to show on the bank account when asked where the charges were going that it was my ex-wife XXXX XXXX ( now XXXX ). She had been removed from the bank account in XXXX of XXXX as well and they don't view it as wire or bank fraud even though she is not an authorized user. XXXX still insists that is up to my ex-wife XXXX to call them back and removed the bank account. She has no incentive to do this and would continue to charge it if I had not found out. XXXX continues to insist that I authorized the charges however I didn't and XXXX is not an authorized user of the bank account. Navy Federal also does not consider this bank or wire fraud. Navy Federal will not reimburse me for my charges more than 60 days old and wants XXXX to cover them.
Consumer complaint received 2023-06-09
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. (WI)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance : {$45.00}.
Consumer complaint received 2024-12-08
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Unisa, Inc (FL)

I applied to the program XXXX XXXX and quickly withdrew from the program after 3 weeks because it felt like a scam. I do not remember signing a contract that said anything about an XXXX and I also have no access to the contract or any other documentation that would state what I owe. All I got was a threatening email from their lawyer XXXX XXXX from XXXXXXXX XXXX XXXX saying that I should re enroll into the program or pay the amount I owe in full which was XXXX and I have no idea if any interest has been accrued and I am afraid of this. I now got an email to create an account for UNISA to pay the XXXX but again I withdrew from the program ( XXXX XXXX XXXX ) after 3 weeks. I don't know what to do. The company is clearly a scam and has been threatening me legally and I am worried. I am worried about creating an account with UNISA and they have more access to my information and also that I may owe even more. I need help and have nowhere else to turn to.
Consumer complaint received 2021-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

I was a victim of Identity Theft in XXXX. My identity has been stolen, through distribution of my SS # numerous times between XXXX and XXXX. 

My identity was used to open an account with XXXX XXXX in XXXX, under my name in XXXX. Received notice of debt collection on my credit report from XXXX on XX/XX/XXXX. 

I filed a police report on XX/XX/XXXX and notified debt collector, IC Systems, of the theft with letter and copy of police report on XX/XX/XXXX. 

I noted with review of my credit report in XXXX that the collection was still on my credit report and so I called XXXX XXXX. They stated it was out of their hands and to contact IC Systems. 

IC Systems did not take any action until I called them later in XXXX and sent a follow-up letter on XX/XX/XXXX. They replied with a letter dated XX/XX/XXXX that they will no longer pursue collection of the debt to XXXX XXXX. I assumed this would take care of the problem. 

It was brought to my attention in XXXX of XXXX that the debt collection from IC Systems was STILL on my credit reports. I called IC Systems and they indicated they have no record of them sending me the letter dated XX/XX/XXXX. I resent them their letter and the police report of XXXX/XXXX/XXXX and they responded by sending me a bill for the debt of {$1500.00} on XX/XX/XXXX. I called them and they would not talk to me. 

They sent another letter XX/XX/XXXX indicating they can not reach out to the creditor and would not provide me with any contact information I had requested. Same with letter dated XX/XX/XXXX.