davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
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. (FL)

I filed a dispute with Experian ( Report # XXXX ) because they have allowed XXXX separate collection agencies to file negative entries for the same debt with XXXX XXXX XXXX XXXX I'm not disputing the debt, I'm disputing Experian continually allowing multiple collection agencies to post the same debt. XXXX XXXX  did so on XXXX XXXX XXXX then they sold this debt to XXXX in XXXX of XXXX  who dinged my account. Now XXXX has sold this same debt to XXXX who dinged my account in XXXX XXXX 

I filed a dispute with Experian but they did not investigate my issue with them, rather they just confirmed that XXXX posted the negative comment. I called Experian and spoke with XXXX, Dispute XXXX ( wouldn't provide a last name or employee number ) who told me Experian does not entertain any complaints or dispute against themselves. XXXX said this would take 7 years to clear but the 7 years will never happen if every six months it starts over again with a new collection agency There is no Complaint Dept., no manager, etc., I could speak with. Pretty much said Experian could do no wrong and has no responsibility to the consumer for anything they do or don't do. I don't believe it is right for Experian to keep allowing this. If this debt is sold 10 times, I will be dinged 10 more times for the same debt. This can't be right- please help.
Consumer complaint received 2023-02-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Consumer complaint received 2019-11-14
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: EQUIFAX, INC. (FL)

The credit reporting industry does not provide accurate credit scores that the mortgage lenders are using. For example experian gives you a FICO Score XXXX, but lenders use FICO score XXXX. There is a substantial difference between these scores and there is no explanation as to why there is such a difference. I have a great history on payments for mortgages and auto loans. I have never been late on either and have payed off mortgages and auto loans in the past. I have never foreclosed on a home loan nor short-saled, I have never had my cars repossessed, yet my FICO score for the mortgages and auto is much lower than what the FICO score being reported to me is, by almost 72 points. I am being told there are different models for determining scores for mortgages and auto loans. I don't understand why there are different models and why we can't get the formula for determining our scores ourselves.

It seems to me that this is a tactic lenders are using to justify giving you a higher interest rate to good paying consumers. It's an unfair practice and this industry needs regulations. Right now consumers can not dispute their scores only their credit reports. It is in my opinion that a consumer should have the right to know how FICO determines your scores for mortgages and auto loans. There should only be one score that is used by lenders, whether applying for a credit card, an auto loan or home loan and not this convoluted system they've created to scam people out of more money.
Consumer complaint received 2019-10-01
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. (VA)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. 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
Consumer complaint received 2023-02-28
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. (NJ)

I recently pulled a copy of my consumer reports and noticed the following personal information are in error : Name, Date of Birth, Employers XXXX XXXX 1998 Self Employed
Consumer complaint received 2023-02-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Trip Delay insurance not processed after 50 days from filing date and no answers to emails. 

As part of the benefits advertised with my credit card, there was travel insurance. 

During holiday season there was a big storm in XXXX area which prevented my wife and I from traveling. I called the credit card and they said it includes trip delay and to keep my receipts for the claim. 

The trip delay due to weather was on XXXX XXXX XXXX  We had to stay another two days until XX/XX/XXXX in XXXX. 

I filed a claim ( Nr : XXXX ) on XXXX XXXX  for a total of XXXX USD that included two nights of hotel and meals. It is supposed to take 5 business days and up until Today it has not been processed. The last two emails I have sent to eclaimsline email address were not responded.
Consumer complaint received 2022-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (AL)

I have a personal loan with this company. 1 ) They will not allow me to do any type of extension on a payment without " renewing the loan '' and taking out more money. I had to do that back in XXXX of 2022. I did not want more money, I wanted an extension for a payment. 2 ) they will not allow me to change the due date of the loan. As of right now, my due date is the XXXX ( or XXXX ) of the month. I have explained a couple of times that the first of the month is when every single thing I owe is due, but they will not change my due date, they just say " pay more next time ''. If I could double up my payments, don't you think I would? And 3 ) I have repeatedly asked them not to call me, I wish to have all communication in written form via US Mail. But, today, XX/XX/XXXX, only 1 or 2 days after my due date, not even waiting for the grace period, they started calling me again. So, my requests to the CFPB are : please tell them to stop calling me, ask them to kindly change my due date to the middle of the month and give me an extension on a payment when I need it instead of making me sign a new loan and give me more money. 

Thank you.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX, I wrote a check for {$660.00} to XXXX XXXX. The check cleared XXXX XXXX  on XX/XX/XXXX. However, I discovered that someone fraudulently endorsed my check and deposited the funds in their account at Wells Fargo Bank. On XX/XX/XXXX, I filed a complaint with XXXX XXXX  to recover my money. On XX/XX/XXXX, XXXX XXXX  wrote to me that they were closing my claim because Wells Fargo Bank never responded to them.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I spoke with a supervisor from this company that informed me a notice was sent out by email on XX/XX/XXXX that there was a debt owed to there company on XX/XX/XXXX per my credit report this company put a collections account on my credit report without giving me 30 days notice when I called the company they proceeded to inform me that an email notice was sent out not a letter by mail and that could forward me the email sent. My original debt was not with this company I have no knowledge of this company or this debt it has not been verified that I owe a debt to company and I was not given proper notice before placing a negative collections on my credit report. Per Fair Debt Collection Practices Act Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. That information includes : The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. If the debt collector doesnt provide the above information in the initial contact with you, the debt collector is required to send you a written notice including that information within five days of the initial contact. None of these actions were taken and my rights have been violated.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I attempted twice to get a copy of my report from XXXX. First time my request was ignored. Second time they sent me a letter stating that they needed me to put my request in writing along with my PIN number for my security freeze because I requested to change information contained in my report, which I did not. I then followed up with a phone call and they were " unable to access my report '' to assist me with my concern.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

My problem with American Express is that they gave me a {$22000.00} loan WITHOUT ME APPLYING FOR IT, and their Fraud department keeps concluding that I did it because it is indeed my checking account that the money was deposited into. I DID NOT APPLY FOR THIS LOAN but American Express IS NOT INVESTIGATING HOW OR WHY THIS HAPPENED. Further, they are calling me daily for repayment, assessing interest, and have cancelled my regular Amex credit card. I fear this will go to a collection agency and ruin my outstanding credit. This all started in XX/XX/XXXX. I can not get resolution. 
XX/XX/XXXX, I received a letter from AMEX stating " there was an attempt to open XXXX or more deposit accounts in your name at AMEX National Bank, and we believe it was without your authorization. '' I called ( XXXX ) XXXX to inform that I did not apply for any account. XXXX, I received a letter from Amex stating, " we need to speak with you regarding a security concern on your account '' XXXX Personal Loans. XX/XX/XXXX invoice date, first bill arrives for a {$22000.00} loan that I had not applied for! XXXX Account ending in XXXX. The invoice details " AMEX Loan DISBURSEMENT XX/XX/XXXX of {$22000.00}. '' I called AMEX, spoke to " XXXX '', who confirmed my identity, said he would look into cancelling my loan account and opening a fraud inquiry. He changed my account password and security pin. He said the investigation could take up to 45 days. XXXX XXXX, I received a letter from AMEX Fraud Operations stating that my inquiry is currently under investigation by the US Fraud Department. Then, XXXX XXXX, I received a letter from AMEX Fraud Operations stating " we've reviewed your dispute and are unable to accept your claim as your name is listed on the bank account in which the loan funds were deposited '', dispute reference number XXXX. I am shocked and furious ; we all knew that it was my checking account, but HOW DID THE MONEY GET INTO MY ACCOUNT?!!!! For months now, I have called AMEX explaining that this is fraud, that I didn't take out this loan. I have spoke to XXXX, XXXX, XXXX, and Fraud supervisor XXXX in XXXX. XXXX ( XXXX ) XXXX, XXXX ) finally cancelled my autopay and XXXX refunded me for XXXX ( case # XXXX ) and for XXXX ( case # XXXX ). But since then I keep getting billed, getting called to collect payment, and have had my AMEX credit card cancelled. Now, I'm being threatened with collections agency! I've called, spoken to XXXX, XXXX, XXXX, XXXX, XXXX... all promising to look into my case # XXXX. Still no resolution.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (OH)

I have emailed Milestone asking for help but they provide no method for hard of hearing customers. The only way I can contact them is through email. 
I have faced a hardship and have asked them to reduce my monthly payments and I have heard nothing back. 
Today they threatened me with a charge off in an email demanding {$360.00}. Still without any financial assistance offer.
Consumer complaint received 2020-04-16
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. (CA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2023-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

In regards to the refunds we are entitled to for payments made during the pandemic period. Ive requested a refund and have been told no timeline would be given. Ive made several attempts to get update and have always been told no updates were available other than the request has been submitted and approved but no timeline on when to expect a refund. I have received a small portion of my request and was told that was from the original loan servicer but my request from my current servicer EdFinancial has no timeline. My original request was sent XXXX XXXX I would like to have this issue resolved and I feel like EdFinancial is just giving me the run around.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid 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: DISCOVER BANK (PA)

This is not a duplicate complaint. I would like this matter to be escalated. There is a discrepancy with the dates of services I was billed for. Discover refuses to address the fact that I was billed {$1000.00} for a " 6-month course '' with XXXX XXXX XXXX on XX/XX/2022. XX/XX/2022 was not the actual date that " services '' began. Even so, 6 months from XX/XX/2022, is XX/XX/2022 ; not XX/XX/2022. 6 months from the XX/XX/2022, date that I received documentation of a progress goal is XX/XX/2022. Again, XXXX XXXX did not provide 6 months of services and failed to explain the discrepancy. According to XXXX, the services ended on XX/XX/2022, which is not 6 months from XX/XX/2022. Discover failed to respond to this particular concern. Although I continue to be dissatisfied with the services that XXXX XXXX provided, I did not receive 6 months of services, which continues to be my main complaint. Again, I am disputing the duration of services as XX/XX/2022, to XX/XX/2022, is not 6 months ' time.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (FL)

After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

My XXXX fell behind in XXXX and the service was suspended. They called me telling me that they would cancel all my remaining back charges if I paid a portion of my bill. I specifically said I do not want the TV reinstated, I just wanted to settle the debt. I paid it and they canceled the balance and reinstated the TV service. So I called again and they told me they had no record of the agreement we had and I would have to cancel again and pay for the month. Extremely irritated with the lying, and wanting to be done with this company I just paid my balance to XXXX and told them to send me a box to ship the equipment back to them. In XXXX I had not received the box yet so I called them to see why it had not come, the following week I received a new bill for {$52.00}. I contacted them to see what the charges were and they had no answer. There is no description on the bill. My account has been closed so I can no longer see my older bills. I have called multiple times and spent many hours on hold waiting to have them send me my bills or give me a detailed explanation of what the charges are for. They have said they would send the old bills twice now and have not. They have sent the charges to collections and will not provide the reasoning for the charges. I have no choice but to assume they are fraudulent as they will not provide an explanation and I have a documented XXXX  balance. I do not want to just pay it as they have now lied 3 times about charges and this shows no sign of stopping.
Consumer complaint received 2023-03-01
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # 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 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 2023-03-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute the conduct of XXXX, XXXX, and Equifax in violation of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph 5 Treatment of Inaccurate or Unverifiable Information on XXXX XXXX Acct # XXXX As a consumer, I have exercised my right to obtain my credit reports from each of these credit reporting agencies. Upon review of my credit reports, I have identified numerous errors and inaccuracies that are affecting my credit score and financial well-being. 
I have followed the appropriate procedure outlined in 15 USC 1681i and have submitted disputes with all three agencies, providing evidence to support my claims of inaccuracies. However, I have found that XXXX, XXXX, and Equifax have failed to properly investigate and correct these errors in a timely and efficient manner. 

Specifically, these credit reporting agencies have failed to comply with Paragraph 5 of the Procedure in Case of Disputed Accuracy, which requires them to promptly investigate and correct inaccurate or unverifiable information. Despite providing evidence to support my disputes, I have found that these credit reporting agencies have failed to conduct a reasonable investigation and have not taken appropriate action to correct the errors. 

Furthermore, I have found that these credit reporting agencies have failed to provide me with timely and accurate responses to my disputes, as required by 15 USC 1681i. I have experienced significant delays in receiving responses, and in some cases, have not received any response at all. 

The failure of XXXX, XXXX, and Equifax to comply with 15 USC 1681i and to promptly investigate and correct inaccurate information has resulted in harm to my financial well-being. These inaccuracies have affected my ability to obtain credit and have resulted in higher interest rates and fees. 

I urge the Consumer Financial Protection Bureau to take action against XXXX, XXXX, and Equifax for their violations of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. These credit reporting agencies must be held accountable for their actions and are required to promptly delete the inaccurate information. 

Thank you for your attention to this matter.
Consumer complaint received 2020-04-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

Since 1996 I've been having to place the Loan in forbearance because at the time it was a single income family. We have just know been offered the income-driven option, this is the first time anyone from Navient has told us about the program. It's been well over 20 years and to just now tell a client about this repayment option is unthinkable.