davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2018-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017
Consumer complaint received 2018-03-06
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. (MI)

Over the last few months I have been trying to get my credit work done between the three credit bureaus XXXX XXXX XXXX and experience they have failed to honor and repair my credit I have a notice that shows and if you read it it will tell you according to the fair credit report section XXXX you are required by law federal law to verify through physical verification of the original signature and they do not do that they Get online and wait for the creditor to respond no written signature from me and then they say that the credit is mine they to nothing
Consumer complaint received 2022-07-17
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. (GA)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX  XXXX acct # XXXX, DEPT of ED/XXXX acct # 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.
Consumer complaint received 2018-03-06
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I went into California Check Cashing located at XXXX XXXX XXXX XXXX in XXXX XXXX, CA on or about XX/XX/XXXX to get a quote for filing my XX/XX/XXXX income taxes, as they have filed them in the past. I was unsatisfied with the quote, mainly because I was told to sit down and without a question of deductions and/or questions about taxes ( earned income ), the clerk called me up and wrote a quote on a post it note to inform me of the amount that I should expect to receive. At that time, I asked the clerk how could she estimate my taxes without asking for any information, then I asked for another employer to complete the transaction. The clerk telephoned XXXX, the store Manager and then I was told to come back the next morning to have my taxes finalized. I expressed that I did not wish to have my taxes filed at that time. On XX/XX/XXXX I went into XXXX XXXX to get another quote for my taxes and was told at that time that I could not file because my taxes were already filed. I immediately went to CA Check Cashing and was told indeed that my taxes had been filed. XXXX, the XXXX was in the office and offered to Amend the taxes that were fraudulently filed. I am very upset because I am out of the opportunity to see if the tax preparer had filed for earned income tax credit and other deductions ( student loan interest ). I am still unaware of the amount of fees charged by them. Please help me to receive the proper justice for this horrible oversight.
Consumer complaint received 2018-05-18
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. (GA)

Experian is the only agency I have this problem with. 

I am unable to unfreeze my credit online. Repeated error message after entering all required information. I am unable to reach a person at the agency to speak with after following all prompts.
Consumer complaint received 2018-03-07
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 submitted a letter in regards to items on my credit report that was not accurate. 

There are 2 address that are not mine and was notified they were on the black market by XXXX Please remove the following addresses : 1. XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX. XXXX XXXX  XXXX XXXX, XXXX, GA XXXX The following inquiries I did not authorize : 1. XXXX XXXX   XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX Please remove the following account thats not mine : 1. XXXX XXXX XX/XX/XXXX The following account came back as not mind on my other Bureaus but is listed on this one, please delete this account which is not mine, XXXX XXXX XX/XX/XXXX. 

Please make the following corrections to my credit report. 
Thanks in advance
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Account was closed due to cid document, that had already been sent in three times a certificate of trust signed by me XXXX XXXX XXXX the sole trustee. They state I didn't send it in, when in fact it was sent in three times by banker XXXX XXXX for Wells Fargo. The Certificate of Trust was and is signed and notarized. My account closure has caused payment returns and lot of stress, I maintained the account for thirteen years ( 13 ), I'm requesting it be reopened.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I graduated from XXXX University in XX/XX/2005. I have been paying on my student loans, the same amount ( set up by them, mind you, not me! ) {$130.00} a month. Religiously. Until a short period of time a few years ago, when they called me because they found out that I had gone back to school to complete Master 's degree coursework and insisted that there was nothing to lose if I wanted to take a break from a period of payments. I was hesitant to oblige-I hope they still have our conversation recorded. The woman was insistent. Kept saying that it would be senseless if I didn't take the deal. I was at work about to make a very important sales call, and I didn't have time to talk, so I acquiesced.

Recently, when I got my tax form for them for this past year, I noticed I still had a balance of over {$10000.00}! My student loans TOTALED {$16000.00} over 12 years ago. So in over a decade of time ( reducing the 2 years that I may have had loan forgiveness ), I managed to pay off only {$6000.00}? How is that possible? I have never missed a payment, nor have I ever been late with anything involving a payment with ANY COMPANY. Never been late with a credit card, mortgage, or any bill. My credit is outstanding!!!

Not only that, but the one time I did get to speak to someone who hassled me about taking a loan forgiveness period, I told them I had no way to access my account to see my info. I didn't remember my login or password ( still don't ). And when I try to use my own social security number and birth date as proof of my identity on their website, they say that they can not find a login associated with my info. So I go to register, and the website tells me that since I already registered, I can not log in as a new user. I tried this again today, no dice, so I called. I got noone. I left my phone number and name for them to call me back, and when they did, it went to a survey??? But I had never even talked to anyone, and frankly, I am so done with this. I want to know where my money has gone. This student loan should have been paid off a long time ago. My original account coordinator set it up to be paid off in 10 years! Granted, they were with Sallie Mae ... .Please advise on what I can do. I feel like I have been robbed! And continue to get robbed.
Consumer complaint received 2023-05-24
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. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : 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
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2024-10-08
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. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

I paid off a vehicle with Santander XX/XX/XXXX, I submitted a request through the dealership XXXX XXXX-XXXX, Florida for refund of GAP insurance on XX/XX/XXXX, I never received the refund. In XX/XX/XXXX, I contacted the dealership and I requested the refund again, was given two different numbers to call. Contacted Santander again and their company called XXXX, I sent in the requested documents on XX/XX/XXXX. Still no response I resubmitted the request again on XX/XX/XXXX, I received a letter from XXXX that states the refund would be issued by Santander in 90 days to check back XX/XX/XXXX. I spoke with a representative at XXXX today and was told if refund is approved it would have a cancellation date of XX/XX/XXXX instead of the original date the loan was paid off in XX/XX/XXXX.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This CFPB complaint has been filed to request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX Equifax and XXXX Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.
Consumer complaint received 2022-07-17
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: JPMORGAN CHASE & CO. (NY)

Yesterday, I had a terrible experience with Chase Ultimate Rewards and XXXX rentals in XXXX. It was experienced by me as a blatant case of discrimination. I have a Chase Sapphire Reserve card and I used XXXX Ultimate Rewards points to book a rental car in XXXX for a trip with close friends. Because the flight connection ( which I booked using XXXX on XXXX ) was close, the baggage was lost. This meant I had to file a complaint which in turn meant I was around one hour late in picking up the car. But when I got there, the lady looked me up and down and then asked for my international driver 's license. I told her that that this was not in fact a listed requirement. I had read the terms and conditions and I assumed that if an IDL was needed XXXX and Chase would both have listed it. But instead, the woman contemptuously snaps at me " XXXX it ''. Could they maybe have googled it when writing out their terms and conditions? Would she have spoken to a white person like this? Probably not. My friend who also booked with Ultimate Rewards had no problem picking up her car without an IDL. I then spent hours speaking to Chase Ultimate Rewards representatives, who were appalledand said my points would be refunded back on Monday. That it would all be written in the notes. But it wasn't. In fact, when I called again, I was told that the rental car agency said I was a " no show. '' The representative to whom I spoke ( " XXXX '' ) was also extremely rude. He kept referring to the need for a " black and white picture '' as if I was lying. And I am not down XXXX points with no car on this trip. 
Theoretically it will take 3-5 days to get a refund if i even got one which means that it will be useless for this trip.

I would like to know what rights I have if any? Of course I can stop using Chase Sapphire Reserve - and I fully plan on dong so - but I not sure that will heal my anger at being a victim of blatant, hostile discrimination. 


@ ChaseSupport @ Chase ultimate
Consumer complaint received 2018-03-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (TX)

For the past 2 years you have been reporting me late to the credit bureaus and continuing to damage my credit. As we discussed on multiple occasions, I was set up on auto pay when we opened the loan and for some unknown reason, the auto payments stopped happening. Once we fixed this, you told me you would be removing all the late payments from the credit reporting since it was your fault. You have never done so. Further, each time I speak with someone they say that this was your fault and that they would remove all the late payments from the credit reporting. This is really damaging my credit and keeping me from qualifying for a home mortgage for my XXXX kids. I need this fixed.
Consumer complaint received 2018-03-07
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. (NY)

this account belong to someone else it was removed from my credit before and it appeared back on it please have this account removed from my credit and not put back on it because it's causing me a great deal of stress. 

XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit - Past Due Amount {$1000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual Original Creditor XXXX XXXX. 
Company Sold-to - Original Amount {$1000.00}
Consumer complaint received 2018-03-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

Last year on XX/XX/2017 we experienced a house fire in which we were promptly compensated through our insurance company XXXX. My mortgage company PNC refuses to release insurance funds to make repairs to the damaged done to our home. Because of their actions I am unable to pay my contractor or reimburse my self for the work that I completed on my home.
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Dear Sir/Madam : At the outset please allow me to commend and thank you all at the Consumer Finance Protection Bureau ( CFPB ) of the fine and wonderful work you folks are doing on behalf of us, the consumers who are exploited and bullied constantly and routinely by the big bad boys ( and girls ) of the corrupt credit reporting agencies, ruthless debt collectors and greedy bankers/creditors. The fact that the Trump administration cut funding for the CFPB verges on the criminal ; the monetary cut it is totally unfair and unnecessary.

I sincerely pray the Trump team will reverse its decision and hopefully increase funding for the CFPB.

This is in reference to a collection account placed erroneously and illegally on my XXXX and XXXX   credit profiles by XXXX XXXX  of XXXX, CA, who bought the debt from XXXX XXXX XXXX.

Honestly, I do not recall obtaining a loan or credit from XXXX XXXX XXXX. So, I sent a letter requesting validation of the debt in question via certified mail with return receipt, to AWA on XX/XX/XXXX, and which was delivered to the recipient on XX/XX/XXXX. This, according to the USPS.COM website. The tracking number is:XXXX XXXX XXXX XXXX XXXX. To date I have not received any response from AWA. Their silence on this matter proves that the derogatory placed by AWA is illegal and in violation of the FDCPA and possibly the FCRA. The company did not delete the derogatory even though there are no grounds for it to be there.

In anger and frustration, I wrote to XXXX and XXXX about the non-response from AWA and requested them to delete the derogatory from my credit profiles. In violation of the FCRA the derogatory still exists on my above 2 credit profiles. The debt collectors and credit reporting agencies are in cahoots with each other against us the little consumers. They are very bad, ruthless, unethical and compassionless.

I am humbly beseeching you the powerful CFPB to reign in on these monsters in such a way that they follow the rules of law and not violate them every chance they get.

Please order XXXX and XXXX  to delete the collection account from my credit reports so I can move on with my life. This derogatory is like a huge wrench on my financial path. Additionally, I think, you have reasons enough to punish XX/XX/XXXX for breaking the consumer debt rules and laws.

Please note that I have uploaded for your review the communication that I had sent to XX/XX/XXXX on XX/XX/XXXX.

I thank you in advance for your time and efforts in this matter.