davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have already provided XXXX with the FTC report for identity theft. I spoke to the gentleman who filed my dispute and he stated that the inquiries had to stay on the report for 2 years even though they were not made by me and if i wanted to dispute them i needed to contact the company who requested it. I explained to him that not all of the inquiries on my report contained contact info for the company that requested my information so i could not contact them, At that time he said he would file the dispute for me, im not sure how he couldn't and then all of a sudden was able to. I got one confirmation number for the dispute that was supposed to contain everything referenced on the call, The only thing disputed by him was some of the incorrect addresses, and incorrect phone number, and a soical security number that was not mine, He made no attempt to contact the companies that requested my information and did not provide me with the means to get it resolved myself, so as it stands i have no way of getting the info disputed even though it is fraudulent, Transunion was also notified of the Identity theft and to this day still does not have a fraud warning placed on my account, XXXX put the warning out over a month ago, XXXX  applied one, but as of XX/XX/13 Transunion is still allowing access to my file.
Consumer complaint received 2018-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I tried to transfer my american express reward points to my XXXX account. But Amex is not permitting me to transfer any XXXX XXXX to hotel, etc. They are giving the the following message : This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 

I called the customer service and they transferred to membership rewards department, the membership rewards department said they can not help me and transferred back to customer service department, and customer service department said since it's the rewards issue, they have to transfer me to membership rewards department. Then, I was transferred to membership rewards department again. After repeat my issue, the membership rewards representative explained to me due to my account is under review, only customer service department may help me. I felt so frustrated and said it's totally wasting my time because they are kicking the ball to each other and no one is trying to help. Then I ended the call.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

leased atXX/XX/2018 XXXX truck and said I needed a co borrower so I put a down payment and only got credited for one of the none monhs of payments and I get some thired party sayimg they are collecting payment and requested mulitple times for statments I beleive my identy was used and stolen to credit others and I pad out to much tohave no credit showing in my report please help Thank you
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed in XXXX that my credit report contains late payments reported on XXXX andXX/XX/2016 for my XXXX   student loan accounts. At the time, I have attended XXXX XXXX College ( now XXXX XXXX University ) in the Spring of XX/XX/2016 and XXXX XXXX University in the summer and fall ofXX/XX/2016. As a student attending classes at least half-time during those period, my account should not have entered payment at that stage. However, even after contacting XXXX regarding this issue, as well as sending their credit bureau management team  relevant documents showing that I was a student at the time, I have not gotten a single response from XXXX team.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

Originally, I had 60 months of forbearance left on my loan. I had used 17 months leaving me with a total 43. However, they have informed me that they have unilaterally changed the terms of the agreement to reduce this time to 36 months. I asked them why I hadn't been given notice of this event and they stated that only certain borrowers were entitled to notice and I was not one of them. Likewise, they stated that the Master Promissory Agreement states that they can change the terms at any time. However, its hardly seems fair, let alone legal, for an lender to summarily reduce a borrower 's remaining forbearance allotment by more than half. Such a contract term would be unconscionable.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Experian makes it so much harder that any other agency to remove a fraud alert. First they make it near impossible to reach a human being, I was only able to do so via XXXX, where I was provided 2 alternatives. One was a website link that apparently doesn't work well on mobile devices ( won't upload supporting documentation ) as if every body in  America owns or even care to own a computer. After at Least 10 tries I have no choice but to give up that choice. The second  alternative is to send via post mail a long list of sensitive documents ( copy of photo ID, copy of social, proof of residence, hand written letter requesting removal ) which I rather not send over mail, and as if every one in America owns a printer. I had no issues getting this done over the phone with the other bureaus. I just had to off course verify my personal info and fraud alert was removed, which was, by the way, undone by experian automated system, who added 6 mos of fraud alert & shared that with the other bureaus, as I was trying to reach a human being to discuss having the existing alert removed. Needless to say now I'll have to contact XXXX & XXXX  yet again to remove that 6 mos alert experian so gracefully added, and haven't gotten nowhere with experian yet. The phone number provided only takes you in circles.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-30
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. (FL)

I have sent over 6 requests to have inaccurate address removed from Experian Credit Bureau ; on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. Each request has never been answered and never removed.
Consumer complaint received 2018-12-13
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 wrote to XXXX and Experian & XXXX on XX/XX/2018 & XX/XX/2018 concerning a XXXX  Account that was on my profile. I also sent a letter to XXXX asking them for a copy of this account that was on file from my credit report. I received the copy of said contract but what is on my file and what is on my credit report are 2 different things. The contract XXXX  sent me was Acct number XXXX which is correct, .Experian shows on my credit report Acct # XXXX and XXXX  shows Acct # XXXX which are 2 completely different numbers. I asked them both times when I wrote to them to provide me proof and each time they have not. I also went as far as providing them a copy of my contract and all I get back was varified. How can something be varified if I have the proof in hand???? As I close XXXX  has it marked as bad debt but nothing under payment history.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-12-30
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. (IL)

I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX  2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you
Consumer complaint received 2020-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

You will see in my attachment I have no way to verify who or what this debt even is reporting on equifax. What I know for FACT is I owe no medical debt in any way shape or form. 

This account needs to be removed as its not accuracy. It provides nothing in the way of a contact.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Complaint ID : XXXX The aforementioned Complaint with Experian is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. Experian, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 
If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, Experian sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

Experian 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on Experian 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint ID : XXXX The aforementioned Complaint with TransUnion is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. TransUnion, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 

If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file. 

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, TransUnion sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

TransUnion 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on TransUnion 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

CApital One Credit Card account is being reported as past due and needs to be updated immediately to report the accounts status. Credit account was corrected after fraudulent charges caused account to be past due with a balance when actually should have had zero balance for past 10 months. SHould have never reflected any past due amounts beginnng in XXXX. unauthorized activity is the caus of any past due reporting so reporting is incorrect.
Consumer complaint received 2018-12-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Experian removed XXXX  auto loan account that was paid in full. Experian had no legal abilityto remove this account and it should continue to report on my credit reports for at least seven years from time of loan commencement.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

Asked for a credit line increased and was declined. always make all payments on time and always more than minimum do this is a 0 % apr first year. I meet all requirements not sure why I was not approved
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

I called into XXXX AND XXXX and XXXX XXXX department to cancel my membership and its been little over a year and they haven't canceled it and the creditors keep saying it locked on there end and i need to contact equifax which i did and they told me there is a credit lock and i told them to remove it and there is a computer glitch on there end and my credit lock is unable to be unlock and i called like 8 times to get this resolved and i never heard back from equifax/XXXX and XXXX  and XXXX XXXX and my credit is still lock
Consumer complaint received 2018-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018 ( and XX/XX/XXXX ) I was sent 2 payments ( {$690.00} each ) by the Social Security via direct deposit to my Chase checking account ( XXXXXXX ). Unfortunately, the attendant wrote down the account number incorrectly. After not seeing the deposits in my bank statement, I called the SS and they acknowledged that two payments were transferred to Chase. Next, I called Chase customer support and they responded that they dont have any knowledge about transfers from the SS.

Caught in a limbo, I decided to drive to the SS offices in XXXX, to speak directly with the attendant. Following another verification of my data, it was revealed that the account number was incorrect, and we corrected it. At that point I asked to mail the following checks to my home address ( not to the bank ). These payments arrived on time, as expected. 
By the end of XXXX, after repeated calls to Chase customer support, I was advised to call the claims department ( a number not published on the website ) and filled for an inquiry, explaining that the account number used by the SS was incorrect. They said theyll investigate that, yet never got back to me. 
A new visit to the SS offices revealed that one of the two checks bounced back to the US treasury, while the fate of the second check remained a mystery. In XXXX, I called the Chase claims department again and filed a new inquiry. Two days later, they got back, telling me that the check had been deposited into another account and the claims department has completed their instigation (??? ) Unsatisfied with this answer, I asked how could I retrieve my money. They advised that the only way was to go to my branch and authenticate myself. I did so and after the clerk tried repeatedly to find ways to retrieve the deposit, she told me that she is incapable of performing it. 
A new call to the claims department ( once again explaining the whole saga ) didnt help. I asked to speak to the supervisor who responded : why did you wait all this time? and that nothing further could be done. 
My questions : 1 ) Why was one check sent back to the treasury while the other ( with a similar wrong account number ) was deposited into a different account? 
2 ) Beyond the flawed customer support we have no knowledge of any direct deposits from SS on XX/XX/2018, the Chase claims department concluded their investigation. What does it mean for the customer? It is the bank responsibility to retrieve that money! 
3 ) After such a long time, Chase needs to refund my money immediately. It is inconceivable that there are no ways of recovering it.
Consumer complaint received 2018-12-13
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. (MO)

I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the CFPD. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
Consumer complaint received 2020-03-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MidAmerica Mortgage Inc (MI)

I've refinanced my VA mortgage. The old lender, MidAmerica Mortgage, has been paid in full, and there is a surplus Escrow amount of {$2000.00}. The loan was paid in full on XX/XX/2020, and this, along with the Escrow surplus is indicated on the website. 

I've contacted MidAmerica mortgage multiple times ( 3 calls to  their Customer Service Center, @ XXXX XXXX XXXX regarding the status of the Escrow refund, the fact I haven't received the refund check via US Mail, and the fact that the refund is due no more than 30 days after the loan has been fully paid. 

I've been given 3 different stories ... each alleging they have processed the refund as far back XX/XX/2020, in one case, in another case, I've been notified I was to receive the check by XX/XX/XXXX, and finally, during the 3rd call, I was notified it should arrive by XX/XX/XXXX. Today is XX/XX/XXXX, and I've now been told they don't know why I haven't received my refund check. 

Their failure to release the funds is clearly a substantied violation of CFPB guidelines, and I'd ask enforcement procedures commence.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.