davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: Maximus Federal Services, Inc. (MI)

My complaint is about XXXX credit bureau I have disputed credit acceptance for this reason my online account says {$5.00}, XXXX for remaining balance the initial balance {$12000.00} my credit report my credit report says {$4400.00} the original balance says {$8200.00} when my online account says XXXX and it's only XXXX XXXX  paid off that is totally incorrect I am asking for a XXXX I want this removed XXXX did not verify they could not have verified and I have read they have violated a lot class action lawsuit recently I got very well educated the last few days on this I also read that study found one in four had had one or more errors under credit report during 2020 I am really upset about this this is affected me a lot I spend all of my time researching and trying to fight for what is right I disputed with student loans also I am on the income driven plan if they would have verified correctly that would have got fixed the late payments I feel they should be held accountable for that that is unprofessional and very unethical I have disputed with credit acceptance a couple of different times it always comes back shortly after verified it's going to remain that is so unfair and I'm asking for a XXXX I am XXXX XXXX XXXX with a lot of health issues credit acceptance is taking me through the mud I even seen on my inquiries they're inquiring on my credit too that is credit slander and XXXX doesn't see that? That's scary but I am firmly asking for a XXXX I fight when I know that I am right I paid over {$8000.00} for that car there is no way I should still pay {$8000.00} as well over the XXXX XXXX XXXX XXXX XXXX  on the high side is XXXX that's an excellent condition and that car is not an excellent condition but they both violated the Fair credit reporting act big time I'm also going to contact the Federal trade commission and the state regulator something's got to be done about this I don't think it's fair that that repossession stays on my credit when they violated the Fair credit reporting act I can not stress that firmly enough I'm going to attach my proof
Consumer complaint received 2019-03-11
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX The above tried to call me repeatedly in 2015 to " enroll '' me in a student debt program- I REFUSED. I did not have any money, was living with my mom after a natural disaster. They used robocalling for over a year to try to get me to enroll- posted erroneous payments then placed several debts on my credit. I now have NO documentation of my loans and I am locked out of the US Dept of Education website. They keep adding money to these " Loans '' but reporting it as " personal loan '' not student loan. And I have NO agreement I ever made with them because I thought they were a scam when the abusive repeated calls started.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My admitted inaccurate data from XXXX keeps changing due to Metro 2 data entries which removed the remark Account closed at consumers request. The attached XXXX data pulled XX/XX/2023 at XXXX states : Account Information Changed. Remark code removed from XXXX  account. Between XX/XX/2023 and XX/XX/2023, the following remark was removed from this account : Account closed at consumers request. Accounts changed from closed to open constitutes a prohibited example of lack of internal CRA and Furnisher controls to prevent Facially False Dara from being reported as clearly written recently by CFPB Director XXXX XXXX. As Senator XXXX XXXX would say : Are you kidding!!! My Account must be permanently reported as both Closed at consumers request AND Disputed. Permanently DELETE my account from every CRA as incompetence in entering Metro 2 will never be assured to be accurate and in compliance with the FCRA and Metro 2 requirement standards.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MA)

I enrolled in the 1 % cash bonus promotion program at Ally bank by depositing {$50000.00} new money into my savings account on XX/XX/XXXX and kept the money there through XX/XX/XXXX. According to the promotion agreement Ally bank should deposit {$500.00} cash bonus by XX/XX/XXXX, but I did not receive the cash bonus as promised. 

I contacted Ally bank on XX/XX/XXXX, a ticket was submitted and I was told that it will take 7-10 business days to resolve the issue. After two weeks I still did not receive the bonus, I contacted Ally on XX/XX/XXXX and was told that they have delay in processing. On XX/XX/XXXX I contacted Ally again because it has been one month and I still did not receive the bonus, I was told it is still being reviewed, they can not provide a turnaround time. 

I followed all the rules of the promotion : I received enrollment confirmation email on XX/XX/XXXX, deposited the money before XX/XX/XXXX, kept the money through XX/XX/XXXX. But Ally bank did not honor the agreement and did not deposit the cash bonus.
Consumer complaint received 2023-03-16
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WA)

I received a payout from my title company due to an ongoing legal issue. I am not in agreement with the amount of the payout and have not accepted their offer. The money was being held in a suspense account until a final agreement was reached. My mortgage was with XXXX XXXX which changed their name to XXXX XXXX. They held the money for me until my mortgage was sold to Wells Fargo. When this happened the money was applied without my knowledge. I called and had it backed out numerous times. Finally they have applied the money and won't back it out, against my wishes. I have contacted the multiple times since they took over my mortgage. Most recent contact information follows : XX/XX/19 - I spoke with XXXX XXXX - she suggested that they send me a check for the amount so I could hold it until an agreement was reached. No check ever came. 

XX/XX/19 - XXXX XXXX - following up on check to see why it isn't being processed. 

XX/XX/19 - XXXX XXXX - opened a case in the XXXX XXXX to try and help me. 

XX/XX/19 - XXXX XXXX - will research the issue and get back to me. 

XX/XX/19 - I left message for XXXX XXXX following up. No response. 

XX/XX/19 - I received a letter from XXXX XXXX - saying my issued had been researched and there is nothing that can be done. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I spoke with XXXX XXXX and requested to speak to a manager. I was told that XXXX XXXX would call me back in 24 hours. No response. 

XX/XX/19 - I spoke with XXXX XXXX regarding the lack of response from XXXX XXXX and was told he is out on PTO and there is nothing they can do to resolve my issue.
Consumer complaint received 2023-03-16
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-16
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some Personal Information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-16
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL 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  Balance : {$760.00}.
Consumer complaint received 2023-03-16
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$670.00} US DEPT ED XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXXS XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Consumer complaint received 2023-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Companies involved : Great Lakes Borrower Services and Nelnet. 

XX/XX/XXXX - This is related to another complaint against Great Lakes. Their reply was that this matter was out of their hands since it's Nelnet 's debt. 

XX/XX/XXXX - I received a paid in full email from Great Lakes. It was a XXXX XXXX. XXXX ref number : XXXX. XX/XX/XXXX - With the Biden loan forgiveness program, I called Great Lakes to look into getting a refund on the below amounts. Refunded Refund ID Reason for Refund {$5300.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. {$2000.00} XXXX REFUND BEING MADE DUE TO BORROWER 'S REQUEST TO HAVE FUNDS RETURNED. The Great Lakes customer service representative stated that they can refund the account that made the payment, and I would be receiving a " balance '' for that amount, but that was just normal protocol, and I would not have to pay that amount back. XX/XX/XXXX - I received an email which stated that my debt was being sold to Nelnet and the email requested that I setup an account so I could service my debt through Nelnet. I ignored the email since Great Lakes told me that the debt amount was essentially a placeholder, and I did not have to pay it back. XX/XX/XXXX - I received a phone call from Nelnet saying I must sign up for a new account in order to service the debt. I asked why I need an account for a placeholder amount that I don't need to pay back. Nelnet replied and said I have an outstanding balance of {$7300.00} that I would need to pay back pending the outcome of the legislation/appeal related to Biden loan forgiveness plan and the supreme court ruling . I called Great Lakes to clarify, and they confirmed the above from Nelnet. I explained that on XX/XX/XXXX, the customer service representative said the amount does not need to be paid back, to which they replied " we're sorry that they incorrectly explained that to you. '' I would like to have that debt alleviated, if I had known this was the case, I would have just left the debt paid in full and not pursue any type of forgiveness.
Consumer complaint received 2024-10-29
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. (CA)

Subject : Formal Complaint Regarding TransUnion, Equifax. 

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX, Equifax. I believe that the handling of my account or financial matters has been inappropriate, and I am seeking assistance to resolve this issue. 

Description of Issue : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/XXXX Dear CFPB, I am submitting a complaint regarding an unauthorized inquiry on my credit report. I did not authorize this inquiry and my attempts to resolve the issue with the company directly have been unsuccessful. 

This unauthorized inquiry is affecting my credit score, and I am requesting that it be removed from my credit report promptly. Please let me know if any additional information is needed. 

Thank you for your assistance.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

I disputed and upload my proof and I would like this to be removed off my credit report asap. And I also uploaded proof gave them documentation and nothing has been resolved. Can you please remove this item? 
The company name is Jefferson capital XXXX loan dating XXXX XXXX account number XXXX or account number XXXX thank you.
Consumer complaint received 2023-03-16
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. (MI)

I have submitted numerous complaints to the 3 credit bureaus indicating the numerous errors being reported on my consumer reports. They all claim that they have verified that all information being reported is accurate. However, this is not the case. I am now in a position where I am unable to secure employment, buy a house, and Im unable to build up my business all due to the credit bureaus refusal to report accurately. Please remove all negative and inaccurate information in my reports. This whole situation is ruining the quality of my life and my familys. Please see attachments. The attachments display all inaccuracies and unverified information. I am not requesting any more investigations, I want everything deleted from my reports that is negative and inaccurate. Do not investigate! Delete this unverified, inaccurate and fraudulent data. The bureaus have multiple credit profiles for me. This is a violation of my consumer rights. Please correct my name, address and delete all negative data from my consumer report immediately.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I made a purchase, order # XXXX, from XXXX XXXXXXXX XXXX XXXX through XXXX on XX/XX/year>. It was for a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I used PayPal Credit ( Synchrony Bank ) through my XXXX account. I did not receive the item. I was advised to contact the shipper ( United States Postal Service ) and to file a dispute so the money would not be released to the seller. I complied with both requests. I was contacted by the shipper ( XXXX ) pertaining to the claim I filed and was advised verbally as well as in writing that the package with the tracking number ( XXXX ) given me by the seller did not have my address on it. I sent a copy of this letter to PayPal Credit XXXX XXXX to date to no avail. They just keep sending me a standard letter stating that they have contacted the seller and was given papers showing the package was delivered, As far as I am aware they have not contacted the shipper to verify the actual address on the package. According to the shipper they can not release the actual address on the package showing where it was delivered to, to me because it is not my address and they do not want me going there. In conclusion, I made a purchase, I still have not received that purchase or a refund. I would really like to have this resolved. I am not a thief and I don't see why I should have to pay for something I DIDNOT receive. I have copies of all chats and correspondents if you require them. Thank you for looking into this I really appreciate it.