davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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. (LA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

The Experian credit reporting bureau had inaccurate information on my credit report that I disputed XX/XX/2106. XX/XX/2016, the bureau sent me a notice stating the information had been updated. There was no correction to the inaccurate information. When I filed a complaint against the creditor with the CFPB, the creditor reported additional inaccurate information. I requested to dispute the additional inaccurate information, and Experian denied the request. The company stated that the information had been verified and could not be disputed again. The Experian reporting system does not meet the standards required by the Fair Credit Reporting Act. The system allows the creditor to report inaccurate information about consumers over and over and over again. The coding system does not safeguard consumers from creditor 's retaliatory conduct. The creditor reported on my credit file that the account was charged off twice, and that it was a repossession 10 times. The coding system should define what is a terminating act by the creditor. If the account has been reported one time as a repossession then the system should not allow creditors to report the repossession again and again. If the account has been charged off then the system should not allow creditors to report it again and again. There is no way to protect consumers like me from violations by the creditor.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I just got off of the phone with one of the reps in the Special Services Department by the name of XXXX. I explained to her about how these creditors who are reporting on my Experian Credit Report negatively are not finding my personal information in their systems. I also reached out to the original creditors as well and they also confirmed that they can not find may information in their system as well. 
I spoke to a supervisor in Experian 's membership department who was able to find discrepancies which confirmed what I stated regarding these negative accounts reporting on my Experian Credit Report not being mine. He gave me the following Ticket Number : XXXX. He then proceeded to transfer me back to the Special Services department of Experian. This is when I spoke to XXXX in the Special Services department. I gave her the Ticket Number above and sh informed me that she did not see anything with that particular ticket number. So i explained to her my circumstance I was facing and she informed me that there was nothing further she could do because there is an existing dispute going on as of the XXXX of this month, which it should have been dated the XXXX of XXXX XXXX but I just learned, everything to submit new docs pertaining to my dispute, they are trained to start my whole dispute over again with a whole new date. Remind you, I'm submitting more documents because certain reps are claiming their not getting certain docs I'm sending over, but when I speak to other eps after I had already re-sent the docs again, their confirming its there. So now my whole dispute got pushed to the XXXX of XXXX, XXXX  and will be finalized by XXXX, XXXX, XXXX. 
Their computer systems need a major overhaul. The functions the special service department people have at their disposal need to be majorly overhauled as well. 
The communication with these reps need to be much better.
Consumer complaint received 2024-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Sent in disputes in the past for an account reporting on my consumer report that is showing late payments in the payment history. The account is inaccurate because I have never missed a payment for this account. ( XXXX XXXX ) THIS ACCOUNT SHOULD BE UPDATED TO PAID AS AGREED, NEVER LATE, PAID ON TIME IN THE PAYMENT HISTORY.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I WAS SCAMMED THRU XXXX. I PURCHASED CONCERT TICKETS XX/XX/2023 TOTALING {$700.00} AND NEVER RECIVED TICKETS. I CALLED WELLS FARGO BANK TO REPORT THE SCAM IMMEDIATELY AND FILED A CLAIM # XXXX. NEVER RECIVED A RESPONSE OR CALLBACK. I CALLED BACK TO ESCALATE MY CLAIM TWICE!! AS OF TODAY XX/XX/XXXX THERE IS NO RESPONSE OR RESOLUTION. 
WELLS FARGO 'S TERM AND CONDITIONS STATE THEIR CUSTOMERS HAVE ZERO LIABILITY PROTECTION. THERE IS NO MENTION IN WELLS FARGO TERMS AND CONDITIONS THAT XXXX TRANSACTIONS ARE NOT COVERED WHEN CUSTOMER IS SCAMMED. EVERY TIME I CALL I JUST GET THE ROUND AROUND THAT THEY ARE WORKING ON IT. I ASKED THEM TO REFUND MY {$700.00} AND THEY REFUSE.
Consumer complaint received 2023-08-24
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. (CA)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MD)

My loans were distributed on XX/XX/XXXX in the amount of {$160000.00}. Loans were from multiple sources for my XXXX at XXXX University and XXXX XXXX at XXXX XXXX XXXX. They were consolidated into 2 accounts by NAVIENT for repayment. My current balance is {$190000.00}, which is an increase from my original loan, even though I have made payments. As of XX/XX/XXXX, I have made 58 payments to NAVIENT totaling {$45000.00}. After 58 payments my balance has not gone down, but up. This did not make sense, until I exported my payment history into a spreadsheet to figure out how this is possible. As I looked at the math on the spreadsheet, it became clear that out of {$45000.00}, only {$8700.00} went towards the principal, {$34000.00} went towards interest, and {$1300.00} went to late fees. The other shady part of this loan is that during the times I asked for student deferral while in class, NAVIENT would not only charge me interest, but also capitalize it. Which really means double dipping. Basically any amount late after 30 days was added back to the principal loan amount. For me thats {$36000.00} that was added back into the loan balance. Remember my paid in amount of {$45000.00} ; {$34000.00} interest and {$1300.00} fees= {$36000.00}? Notice how even though I paid {$36000.00} in interest and fees, they then took almost that same amount {$36000.00} and added that back into the total loan balance. This is the magic behind a balance increase even after 58 payments were made. Basically Im running on a treadmill backwards, if that makes any sense. No lender should be able to do this and especially without informing customers of this practice. Stuff happens and I can understand a late fee here and there, but to turn that late fee into a 120 % win-fall is ridiculous. 

Also I was not in an income driven payment plan from the beginning, I just found out about that on my own, doing research. NAVIENT put me on a payment plan with lower monthly payments, but I would be paying until the year XX/XX/XXXX. I just changed it myself and saved myself 15 years and $ XXXX. This is unfair to have no choice in the loan servicer the government provides and for NAVIENT to be able to take advantage of students. How do I get out from underneath their control and not lose my federal student protections? The capitalized interest {$36000.00} should be removed from my loan balance, this is not fair, it is a fee on top of a fee.
Consumer complaint received 2017-10-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, I sent an investigation request to Equifax, XXXX, and XXXX XXXX. I am attaching a copy of the request I mailed in. As of today, only XXXX has responded. I was supposed to get a response by XXXX, and we 're almost through XXXX now.
Consumer complaint received 2018-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my checking and saving account and now I do not have access to my online account. ( I still have two credit card accounts and they are still open. ) Chase also does not return my fund, which is XXXX dollar.
Consumer complaint received 2023-04-27
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. (IL)

On XX/XX/XXXX of this year i wrote a letter to XXXX, Experian XXXX XXXX to notify the Elaborate mechanisms that they are indeed Reporting fraudulent information & A Fraudulent Account on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. 

They Responded Illegally & Claimed that they were able to verify the account but actually Failed to render any Proof of Investigations or Any Proof at all as Per federal Law that they actually did so. I notified them Unequivocally that their actions would compel me to File a report via the CFPB.

3 months later & they have failed to Comply with Federal law and me the consumer & is also now Reporting a Late Payment with the Exact same Fraudulent Account that i Disputed, Perpetuating the Damages of my Reputation and my Consumer Profile.

Their Negligence to Comply with Federal law has caused me Stress, XXXX XXXX, XXXX, Hardship, misfortune, XXXX, XXXX and emotional turmoil. Their disregard for Federal law is Repulsive and is Causing me to lose trust within the Banking System.
Consumer complaint received 2018-01-24
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. (CA)

Chase Card Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my XXXX credit report without my knowledge please have them remove from my XXXX report.
Consumer complaint received 2018-01-24
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: CarFinance Capital LLC, Irvine, CA Branch (CA)

XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX inquiry date : XX/XX/XXXX bank credit cards i haven't applied for XXXX XXXX XXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit  burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that doesn't belong to me.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (AZ)

This act qualifies as an unfair practice as defined by UDAAP as the subsequent month 's fee is unavoidable due to timeline of statement issuance and JP Morgan Chase Bank 's " minimum daily balance '' requirement. 

My complaint is the next statement cycle has already begun BEFORE the consumer is notified of the fee which results in an UNAVOIDABLE second {$5.00} fee on the next month 's statement. 

This is a basic example of monetary injury that is not reasonably avoidable by consumer : Notification of XXXX Statement is available was emailed on XX/XX/XXXXXXXX XXXX  for cycle ending XX/XX/XXXX. There is a {$5.00} fee for insufficient DAILY balance, not average balance. 

Notice of XXXX Statement is available was emailed on XX/XX/XXXX for cycle ending XX/XX/XXXX. This is the UNAVOIDABLE additional {$5.00} fee for insufficient DAILY balance because consumer isn't aware of preceding month 's fee until after the next month 's billing cycle has begun. 

See attachments please. 
Thank you for your time and consideration. 
Best regards, XXXX
Consumer complaint received 2018-01-24
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK (AL)

I entered into a hardship program with XXXX XXXX after my husband had a XXXX XXXX in XX/XX/XXXX. During the program I paid the agreed upon amount around {$940.00} per month until the program ended in XX/XX/XXXX. XXXX continued to report as delinquent throughout the entire program even though we paid as agreed the entire time, I called and wrote to the company several times. Each time I received a form letter that stated that I was on the hardship program, which I understand but I am still paying as agreed. Due to this reporting as delinquent each month for three years our credit rating has tanked. Paying as agreed did not help us at all and my husband is XXXX % XXXX veteran and we can not buy another home or anything else now. 
.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Problem : On XX/XX/XXXX, I received a text to my cell phone asking to verify a purchase on a Bank of America credit card. ( see attached copy of this text message ) Facts : I do not have a credit card with Bank of America. 
I do not have an account with Bank of America. 
I have never had an account nor credit card with Bank of America. 

Attempted Resolution : I have made Ten attempts to contact Bank of America to resolve this issue. 
I have called all the 1-800 numbers listed on the website of Bank of America , but they are all automated and require a Bank of America account number to proceed with the call. 
I have not been able to communicate with anyone at Bank of America.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I was affected by Hurricane Harvey and XXXX XXXX allowed to have two months of  lease payment put at the end of the lease. They have reported to credit reporting as 60 days late on both of the XXXX XXXX that are in my name. I have never been late and I have been trying to resolve this since XX/XX/2017. I am buying a house and due to their error it is affecting my credit score and making me pay a higher interest rate
Consumer complaint received 2018-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

XX/XX/XXXX I tried to reason with M & T Bank. They wo n't accept a modification package from me.My First mortgage is current but they have no knowledge that M & T Bank has scheduled a sale date for XX/XX/XXXX to sell the home. 

This is second Mortgage I have been trying to work something about with M & T Bank. Each time it is a different person to work with. 

Can the second mortgage foreclose because of the subornation in New York? 
I made a payment to them XX/XX/XXXX and I thought I was on the right track. 

They are so very hard to talk with not to mention work out an agreeable term. 
When you call you have to go through about 6 or 7 people before anyone will discuss your account with you.
Consumer complaint received 2018-01-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC. (FL)

I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.
Consumer complaint received 2018-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have been trying for months to get in contact with Navient and the calls keep getting routed to a voicemail box to leave a message.  I have left messages and no one has returned my calls.  In XXXX, I called the "XXXX XXXX XXXX" number they provide on their website and was able to get in contact with a person.  I explained to her my dilemma and she looked up my "account".  She was able to tell me that my "account" has been deferred to a collection agency and I need to get in touch with them; this was all the information that she could provide on my "account".  She gave me their number and attempted to transfer the call but said no one was answering.  I have tried calling this collection agency over and over again and no one answers.  I am trying to resolve this account and no one is available to talk to.  Leaving me to believe that this loan may be fraud.  I am now requesting help in demanding information pertaining to the Original Loan Agreement I signed and the amount.  If they are unable to send this information, I demand this account be closed immediately as it is negatively affecting my credit.  It is unfair and harmful to attempt to collect a debt that cannot I cannot verify, negotiate and/or settle.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from XXXX XXXX with a balance of {$14000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.