davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (GA)

I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by : XXXX XXXX XXXX XXXX XXXX XXXX, GA  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA,XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX, XX/XX/XXXX, Jpmorgan Chase Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Credit Bureau XXXX XXXX XXXX XXXX Mail Coded : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , NC XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XX/XX/XXXX. 

I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and Jpmorgan Chase Bank inquiry to determine who requested this credit inquiry.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TN)

someone else charged the account in full over 600 miles from my location and comenity dba XXXX refuses 12mos later to remove the spurious charges.
I might owe them {$10.00}, tops.
anything over 50 is covered by the consumer fraud statute and cardholder agreeement.
has asked for twice this amount and refuses to hand over the acct to a 3rd party. XXXX XXXX also does this. XXXX XXXX also does this. ( showing a trend ) can not place me at PoS becaus I was in XXXX charges were en-mass in XXXX and wo my permission. THEY WERE NOT AUTHORIZED.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: DISCOVER BANK (CA)

discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

XXXX XXXX is reporting derogatory on my credit report, for a XXXX  balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-03
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. (AL)

Experian Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. Experian is reporting fraudulent information to possible creditors. XXXX is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what XXXX sends to my creditors.
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

Navient Solutions is reporting derogatory on my credit report, for a zero balance account dated back in XXXX, refusing to remove via giving the run around on the proper channels to take to have it removed. 

XXXX XXXX sent loans into default after allegedly not being able to reach me on several occasions, I was not made aware of these finding until enrolling in college XXXX, After being notified of these findings, I immediately contact XXXX XXXX with concern, was under the impression the loans were in forbearance, but the rep told me something different, was told The time my loans were in forbearance was XXXX for 30days, which would have been unreasonable for me to do,, since I had fallen on Hardship for since XXXX. 
I Explained to the Rep if that was true why am I now being sent to the default statues 1yr and 4-5months later? when the allotted time after a missed payment or no further action to put the loans in any type of repayment plan is 270days. 
I Take Full Responsibility of the debt I myself agreed to and since being notified of the default findings I have worked with the Dept. Of Education and is now currently on a Rehabilitation Program. 
upon pulling my Credit Report I also found that the derogatory remarks are reporting on my credit, now I am aware that govt loan can be collected forever but after 7 years the negative remarks suppose to be removed, to my finding the delinquency dates of these loan are very inaccurate and untrue, and have requested on multiple occasions of payment history and source of payments for the accounts and this issue has not been resolved
Consumer complaint received 2017-09-03
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)

I have multiple inquiries that was not authorized.I did not ask these people to run my credit for the following companies .... 
XXXX XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize XXXX to pull my credit on XX/XX/XXXX
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NC)

I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS
Consumer complaint received 2017-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

There are " Hard Inquiries '' or " Regular Inquiries '' listed on my credit reports that stay on there for 2 years. I have tried calling and/or filing a dispute regarding sd companies. I 've filed the complaint w/XXXX XXXX, XXXX, and Experian and nothing has been done to fix this problem. I 've also tried putting a freeze on my credit reports and noted that none of my information is to be given out without my expressed permission or my wife, XXXX XXXX XXXX ' permission. 

The following companies are listed on my credit reports which I have never initiated, never gave permission for them to review my credit in any manor and do n't know how they did this. My wife did not give permission either and this simply needs to be fixed as soon as possible. The problem continues regardless of what we do. 

The companies are as follows : XXXX XXXX XXXX via XXXX XXXX XXXX, date XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX, dated XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX XXXX dated XX/XX/XXXX ; XXXX XXXX XXXX via XXXX XXXX XXXX dated XX/XX/XXXX ; and XXXX XXXX XXXX  XXXX dated XX/XX/XXXX. 

Again, permission was not given to the companies listed above by me or my wife and I just do n't understand how they are getting our/my credit information w/out our expressed permission. 

I have tried calling the companies but am told I have to contact the credit reporting agency about this, the credit agencies in turn do nothing and have no way of filing a completed dispute form just for this issue. I 've called the reporting agencies and I 've filed in writing the problem w/these companies yet the problem continues. 

If you would please tell me what I need to do to get this information removed from my credit report as well as my wife 's and/or if you could please check into this so we can correct our credit reports w/out all the inquiries it would be appreciated. At this point, I/we simply do not know what to do but definitely want to file a complaint against the above listed credit companies as well as the companies looking into our credit w/out any permission from either myself or my wife. I ca n't imagine we are the only people w/this type of problem and a solution must be found to be able to correct any inquiry problems consumers find in their reports. 

Thank you for any and all help you can provide in this matter and I look forward to your response and/or advise in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I RECEIVED A MESSAGE FROM EXPERIAN THAT EVEN EXPERIAN IS NOT ABLE TO LOCATE. BUT THEY ARE ABLE TO LOCATE EVERY OTHER ALERT THAT WAS SENT TO ME, EXCEPT THE ONE INQUIRY IN QUESTION. TIME, AND AGAIN I HAVE ASKED FOR AN EXPLANATION, TO NO AVAIL. IT IS GOING ON 3 WEEKS NOW SINCE RECEIVING THE MESSAGE, BUT AN INQUIRY HAS NOT SHOWN UP FOR A NEW INQUIRY. I RECEIVED THE INQUIRY ON THE XXXX. OF XXXX. TODAY IS THE XXXX. OF XXXX. I AM WORKING TOO HARD TO RAISE MY CREDIT SCORE TO SIMPLY WATCH IT PLUMMET FOR NO APPARENT REASON. THEY ARE ALSO REPORTING ANOTHER FALSE INFORMATIONNPERTAINING TO CHIME. A {$240.00} BALANCE HAS BEEN REPORTED. I AM HERE TO TELL YOU, NOT EVEN CHIME HAS SUCH AN INFORMATION. I NEED THIS FOOLISHNESS TO STOP. AND I NEED THIS MATTER RESOLVED IMMEDIATELY. I HAVE LOST 17 POINTS FROM MY FICO SCORE DUE TO THIS ORDEAL. I HAVE BEEN GOING THROUGH A LOT WITH EXPERIAN. THEY ARE NOT THE KINDEST BUNCH AND THEY MAKE IT EXTREMELY HARD TO DISPUTE NEGATIVE ITEMS. AND THE LANGUAGE BARRIER IS OUT OF THIS WORLD., AND I'M A FOREIGNER MYSELF. 
I NEED THOSE XXXX POINTS BACK. UNDER THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS. STOP DEDUCTING POINTS FOR NO REASON. THERE IS ALSO AN ACCOUNT FROM ALLY THAT IS NOT BEING REPORTED. I HAVE GETTING SEVERAL INQUIRIES REMOVED, NEVER ONCE DID MY CREDIT RISE. I AM CONVINCED THAT SOMEONE IS MANIPULATING/MESSING WITH WHATEVER MACHINE/COMPUTER THAT ARE ACCESSIBLE TO THEM.
Consumer complaint received 2017-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have had a mortgage with XXXX XXXX since XX/XX/XXXX and XXXX bought the loan servicing agreement from XXXX XXXXXXXX in XX/XX/XXXX according to my records. 
Since XX/XX/XXXX, we have had a dispute with XXXX XXXX and subsequently XXXX which has never been resolved. 
On XX/XX/XXXX I sent 96 pages by fax to XXXX XXXX from a local chase branch with proof of payments. I have a receipt for that fax. 
They never responded. My son, wrote a letter to them in XX/XX/XXXX outlining our dispute for payments not credited in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
I have sent them proof of missed credit for payments and excessive escrow charges to my mortgage account from their payment history which they told CFPB they had submitted to me as a resolution for the problem. The problem has never been solved. XXXX XXXX and now SPS who bought the servicing contract on my loan, has never addressed the proof of payments that I have submitted to them. 
The payment history from XXXX which they sent to me, clearly shows excessive capitalization to my mortgage account of {$170000.00} since XX/XX/XXXX. 
In reconciling these charges, I have discovered that the amount of {$100000.00} is owed to my mortgage account since XX/XX/XXXX which has not been credited. 
As stated above I sent 96 pages by fax from a local XXXX branch to them in XX/XX/XXXX which XXXX and now SPS has never acknowledged. 
They have never acknowledged receipt of this proof of payments to substantiate my claim. 
Therefore I am requesting a complete review of my account which includes crediting the payments I have submitted and acknowledging the excessive escrow charges made to my account which is shown on the XXXX payment transaction hiostory. 
I submitted a prior complaint to the Consumer Finance Protection Board on XX/XX/XXXX and the complaint number is # XXXX which you stated the company has submitted a reply but this reply is not correct or acceptable to me. 

They may have responded to my complaint to your agency dated XX/XX/XXXX. But they did not address the problems of the missed payment credits nor the excessive accrued interest payments and escrow charges made to my mortgage account as evidenced by the XXXX Transaction payment history and the proof of payments I sent to them in XX/XX/XXXX. 

Lately SPS sent me a Cancellation of Debt Notice for {$210000.00} dated XX/XX/XXXX but according to the SPS payment history they only excused {$71000.00} from the Deferred Interest Balance. 
The notice they sent to me or {$210000.00} is erroneous and I have sent them many letters requesting that they sent a corrected statement which they have not done. 
This notice has tax implications and the amount stated on it is not correct and it must be corrected. 
I am asking you to please reopen this case and it has not been resolved in a correct way to reflect my payments that were not credited when it was a XXXX mortgage and excessive escrow charges for taxes and insurance. 

Respectfully Submitted, XXXX XXXX
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (CT)

ARA continues randomly harass my family. Talking to my mother in law and others not authorized to speak to. They call and say I owe money from an old XXXX account. I have never had a debt which went to collections or charged off. I contacted XXXX who has granted me a large mortgage and credit cards after this supposed charge off. They could not find any account which was EVER delinquent in my name or social security number. It has been ongoing for years. ARA threatened in the past to contact my employer and want to serve papers. They also are now using a fake caller ID which says XXXX. They also continue to check my credit report without authorization so that they can get my new phone numbers and address. In any event I told them to serve me papers to settle it in a court of law in connecticut. They have been also made aware that even if I did owe money ( which I do n't because I never opened this account or was late ) it would be well beyond the statue of limitations in my state.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I was forced to take out private loans in order to continue or finish my degree. XXXX XXXX had already maxed out, so to speak, the amount of money I could borrow from federal loans and the rest had to be loaned from private banks. Nearing graduation, about a week before graduation, I received a letter from XXXX stating that I owed an extra {$14000.00} that was credited to me by the school, and that I had to pay said balance to be able to graduate and receive my diploma. I used my life savings and wrote them a check for {$14000.00} and gave it to the finance department. In the end, I had all my transcripts for graduation but my diploma was not provided. I walked my graduation with the worthless transcripts in my diploma folder. I never went back to pick up my diploma as it was worth absolutely nothing. My resume lists a XXXX XXXX from XXXX but no employer or future employer has ever recognized me as having a real XXXX XXXX. At this point it hurts my reputation to put XXXX on my resume as education. 

The debt has crippled me financially and ruined my credit while lowering the possibilities of gaining approval from potential employers. I feel like I 've missed out on a decade of my life. In retrospect, I would have rather attended a XXXX college and transferred to a regionally accredited XXXX College instead. XXXX predatory behavior and even harassing phone calls asking to come back to school were hard to ignore and I and many others were stuck in a program that would eventually lead to crippling debt and no value whatsoever. I was already working in the field of study before starting XXXX and I did not learn anything new during my entire program. In fact, the material and books in some cases was about 10-20 years old. The books were not real text books, they were written by alumni and seemed to be published by XXXX own publishing companies. 

XXXX educators were often unqualified to teach. Many instructors were previous grads who were trying to pay down their debts to XXXX themselves. The computer labs and equipment were outdated and in most cases did not work at all. Anyone who attended classes was given a passing grade. XXXX admitted anyone regardless of mental capacity. There were people in my classes who could barely read out loud from a book. 

To conclude, XXXX XXXX was an elaborate scam. They scammed the government and taxpayers as well as individuals hoping to better their futures and contribute to the economy and workforce. XXXX XXXX was a lucrative investment only for it 's shareholders and wealthy executives, education was the least of their priorities.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I have my several hard inquires on my credit reports. I have never applied for any credit with this company and would like them to remove there inquires and remove any of my personal information they have fraudulently received from there records