davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 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 2016-01-21
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Navient Solutions, LLC. (CA)

I took out a personal loan from XXXX XXXX when I was in my XXXX program back XX/XX/XXXX. this was not a school loan because it was used for incidentals, like food and rent to tide me over until I got a job, after I had received my student loan and my classes were already paid for. Well I filed bankruptcy and added this loan XX/XX/XXXX. The debtor kept calling me and sallie mae changed to navient and then navient sent the loan to collection agency XXXX XXXX XXXX. Well at first I thought that it was a federal school loan because they insisted that it was. but when I consolidated my loans they stated that this was not a federal student loan so it could not be consolidated. They had been harassing me every day and I stopped paying because I contacted my legal services and they said that these privatized loans are not student loans but some unscrupulous lenders try and collect after bankruptcy. I gave them the chapter XXXX bankruptcy and discharge papers ; yet they are still harassing me.
Consumer complaint received 2016-01-21
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (TX)

I have an American Express Serve card. On XXXX XXXX, 2016, I loaded {$120.00} on my card at XXXX. Before the load, I had a XXXX cent balance on the card. After the load, the card balance was XXXX. 

I contacted them to inquire why the load amount did not post. I was told they took their system down for upgrades, and they did not know when the load would post. Twenty-Four hours later, I called again to discuss the problem. I inquired why they would take their system down, but still accept cash loads. I also inquired again when the load would post, and was told they did not know. 

They took a cash load for the card, but did not post the balance on my card. They have not offered a refund or will not give a date if or when the funds will post.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I have not received any correspondence from either Experian or XXXX during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
Consumer complaint received 2016-01-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MD)

Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I have notified the following credit bureaus they are reporting these fraudulent accounts that are a result of identity theft ; XXXX XXXX XXXX # XXXX with Experian and XXXX XXXX XXXX XXXX XXXX # XXXX with XXXX XXXX. I have supplied the Credit Bureaus with my dispute letter detailing the accounts that are fraudulent and were created by someone who used my personal information and identity for fraudulent services and financial gain. I also detailed in my letter, describing how it was not possible to create these accounts because I no longer was in the state the account and contract was created in. I also disclosed to the credit bureaus the suspects who forged my signature and used my personal information are XXXX XXXX and her associate XXXX XXXX. I believe they used my personal information and created these accounts, as they had access to my personal documents. I filed an identity theft police report with the police department, notarized Federal Trade Commission ID Theft Affidavit, and disputed the fraudulent accounts, supplemented with a copy of my drivers license, social security card and utility bill. I ensured my letter had my current address in the letterhead, date of birth and social security number. The Credit Bureaus failed to give a reasonable investigation to my disputes. If they did, they would have observed I provided abundant information to support my dispute and claim. I am a victim of identity theft and these accounts are created by the theft.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not received any correspondence from either XXXX or TransUnion during the entire course of my dispute process. All letters have been delivered and I am able to track them online. By law, results must be delivered within 30 days and I have not only received no results in the mail, but no mail whatsoever. Therefore, what I am disputing must be removed.
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (PR)

The company has been harassing around about 3 months for account open by identity theft with XXXX, We request a copy of the alleged agreement and a copy of his license to collect money in my state and have not given me any kind of document. Rather they began to report the XXXX credit bureaus account. Credit card companies, XXXX, XXXX, XXXX, remove the account when you do get the police report of my identity theft, and the agency returns infrige laws and nuemamente I reported the same account. I already have bad with constant harassment, I will take an action with this agency or fined for not following the CRA rules.
Consumer complaint received 2016-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fenton & McGarvey Law Firm, P.S.C. (CO)

I had originally filed a complaint in XXXX of last year, complaint number XXXX. I did not know that I would not be able to challenge all of the information I received back and when I spoke to a CFPB rep they informed me that I could fax in my new information, which I did on XXXX however, I have not seen anything on this yet so I decided to open a new XXXX. The response from my original complaint brought up additional questions and that is why I am opening this one. Fenton & McGarvey state that my pre-judgement interest was in the amount of {$17000.00} however, in XXXX 2007 my pre-judgement interest was only {$900.00}. I have asked for an explanation of this discrepancy and have yet to receive a response. I would like a breakdown of these charges and not just a lump sum. This is what I have been asking for all along.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.
Consumer complaint received 2024-08-19
Product: Credit reporting 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. (NY)

Dear CFPB, I have discovered fraudulent inquiries on my credit report, specifically with Equifax. I first notified the companies involved and then filed an FTC report, which I have attached for your reference. Following this, I informed Equifax, but they have not yet taken any action to remove the fraudulent inquiries. 

This situation is causing significant damage, with losses amounting to thousands of dollars, as I am unable to get approved for credit. I urgently request your assistance in having Equifax remove these inquiries. 

Thank you for your prompt attention to this matter. 


These are the inquries XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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 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 2015-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

We bought single family house in 2006 than recession come. 
We have XXXX mortgage with XXXX and XXXX mortgage with CITI BANK. 
We had problems to pay our mortgages so after couple of years we refinanceour XXXX mortgage with no problem, but CITI refused to refinance from beginningand still refusing. Current mortgage rate is 4 %, but we still have to pay for thisvulture, greedy CITI BANK 9 %. We have still difficulties to pay mortgages and CITI BANK does not care about it.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I have a tax lien on my credit file that was withdrawn from the State of Michigan and is properly filed on XXXX by the XXXX County Register of Deeds. I have sent copies to the credit bureau and they continue to verify the lien as reported properly. When I call and tell them it is wrong, they continue to say it is correct. The XXXX County Register of Deeds has recommended I reach out to you as this is an ongoing problem and they have no idea why Experian will not remove this. Also, I purchased a new vehicle in XX/XX/XXXX. I authorized an inquiry from XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Some how my credit application went to several banks and credit unions instead of just those XXXX. When I told the credit bureau of this, their response was " inquires are a matter of record and remain for 2 years and they are unable to be disputed. If I want them removed, notify each bank and credit bureau and have them send removal request ''. Experian is affecting my interest rates and potential to obtain credit
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I set up my on-line account with my Bank of America [ XXXX XXXX XXXX ] account to withdraw " the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Bank of America only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance. 
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that " amount due '' on their website options meant " minimum payment plus fees and interest. '' That is not the ordinary meaning of " amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges.
Consumer complaint received 2016-03-15
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (TN)

Castle payday -aka- Red Rock Tribal Lending, has continue to take money from my checking account that I do n't remember authorising.They say it was for a XXXX XXXX loan which I was to pay XXXX dollars a month.I do n't remember making this loan, but it was on my bank statement, so I thought maybe I did.I have paid them for the last seven months and they say I owe more.Can you help? Thanks
Consumer complaint received 2016-03-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

XXXX XXXX ( XXXX ) " transferred '' our loan to Specialized Loan Servicing ( SLS ) XX/XX/XXXX. First, they did n't give us any notification and our only indication the loan had been transferred was when an invoice did n't arrive from XXXX. Second, there was a substantial lag in the transfer of our information to SLS and we were unable to remit payment until XXXX 2016 ( at which point we paid for both XX/XX/XXXX and XX/XX/XXXX, bringing our account up to date ). Further, when the information transferred, confirmation of our condo insurance did not transfer and SLS initiated proceedings to provide insurance, despite repeated contact from myself and my insurance agent. On XXXX XXXX, 2016, we received a packet dated XXXX XXXX, 2016, with loan modification paperwork and information on how to avoid foreclosure. When I contacted SLS customer service, they were unable to confirm whether they were merely servicing or whether they had purchased the loan and while they confirmed that our accounts were up to date and they had received our insurance information, they were unable to provide contact information for filing a complaint or reference numbers for the call or any notations made to that effect in our account file. I expressed my concern that they were deliberately misrepresenting the state of our account in an attempt to get us to change the terms of our loan and they threatened to discontinue the call if I continued to " go down that road. ''
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received.