davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo is reporting a charged off account with a balance of {$110.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX XXXX Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to XXXX by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!
Consumer complaint received 2022-01-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I have two accounts with Chime, that is accessed through chime.com and the mobile app. During the last three months of XXXX ( XXXX, XXXX, XXXX ), I move funds into chime because I am readying a down payment for a house. 

After the new years into XXXX, I returned from vacation and things began to become bizarre with Chime. There was no access into my account from chime.com and the mobile app. I emailed to support@chime.com and there were no reply for over 6 business days. I spoke with my lawyer about this and he advised me to msg the cfpb about this as these so-called " fintech '' startups are typically becoming odd about quality of service. 

These behavior about Chime are very worrisome among many customers, my friends and myself. Chime have no physical branch, their support have become uncontactable and nonresponsive as stated. They provide no means to access my funds even after three levels of security with login/password, puzzle solving and telephone 2FA. I repeatedly pass all those and still no support msg and access to my funds. 

I tested my ACH transfer where money only can go in and no money can be ACH out even though its previously authenticated. I last check from friends that Chime is theatering customers to delay access to funds. 

I urge bank regulators to seriously review Chime 's startup business practices as described customer service behaviors are very bizarre and disturbing. 

The resolution I asked is the restoration of my account and funds without delay.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

account XXXX XX/XX/21 180.00 XXXX140.00 XX/XX/21 100.00 XX/XX/21 XXXX XX/XX/21 XXXX my atm card and in my bag with all my documents an dpasswordes and piin numbetrs was stolen and used to gain access to my checking account and use atm without my knowledge i did not authouriaze these transactions and citit bank is flat out refusing to honor the aggrement of my checking account that all unauthorized transactions will be refunded ( and a provisional money given while under investigation ) i was not given provisional money nor refunded these unauthorized transactions! i filed a police report myself as well. regaarding this issue. I want to be reimburesesd as per the agreement when i opened the checking acct.
Consumer complaint received 2022-11-15
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 a customer of XXXX and have a loan with them. I have always paid my bills on time. I discovered that there were late payments on my credit record for whatever reason after looking at my credit report. As you can see, I've always made on-time payments to this business. I made an attempt to get in touch with the three credit bureaus, but I was unsuccessful. There was unquestionably a mistake on their part. I am filing this CFPB complaint to the credit reporting agencies in order to ask them to fully examine and correct their information. The account with the inaccurate information is below and has to be updated as soon as possible : XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-01-17
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. (IL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (PA)

Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX, XXXX XXXX ( Beneficiary ), consumer, natural person, and original creditor of an open end credit plan have been violated with a blatant disregard for my rights by Santander Consumer USA. This company is violating a Cease and Desist Order they have claimed to process in communication with me, specifically 15 U.S.C. 1692a ( 2 ) as they continue communication through third parties being consumer reporting agencies in essence not ceasing all communication with i the consumer as consumer reporting agencies are a medium of contact. These actions have gravely damaged my reputation as well as harmed my confidence in the banking system as a consumer. In addition the assignee ( XXXX XXXX XXXX has failed to CC my Right of Rescission under Title 15 U.S.C. 1635 for the security interest given in the null in void contract ( see attached document ). According to the Truth In Lending Act as well as the Equal Credit Opportunity Act 15 U.S.C. 1602 and 15 U.S.C. 1691a, as an consumer, natural person, and original creditor to an open end credit plan i have disputed this alleged debt and have yet to receive any verification under 15 U.S.C. 1692g that i am liable to you for anything. The Finance charge under 15 U.S.C. 1605 was paid at signing ( where you were not present as you weren't at any part of the contract ) and in fact was not properly accredited and applied to the consumer as insurance was not included ( see 15 U.S.C. 1605 ). For further clarity on my position as a Consumer and Original Creditor See ( 15 U.S.C. 1602 ( g ) & ( i ) as well as 15 U.S.C. 1692a ( 3 ) & ( 4 ) ). This company also violated the Fair Debt Collection Practices Act under 15 U.S.C. 1692e ( 4 ), 15 U.S.C. 1692b ( 2 ) & ( 5 ), 15 U.S.C. 1692d ( 1 ) & ( 2 ), and 15 U.S.C. 1692f ( 6 ) ( A ) & ( 8 ) in the communication they sent me stating they processed a cease and desist. Santander Consumer USA is now civilly liable up too { {$8000.00} } pursuit to 15 U.S.C. 1692k, { {$5000.00} } pursuit to 15 U.S.C. 1611 and { {$5000.00} } pursuit to 15 U.S.C. 1640 ( A ) ( i ) totaling at { {$18000.00} } in which Santander Consumer USA is civilly liable to pay me.
Consumer complaint received 2021-03-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I began XXXX XXXX in XX/XX/XXXX, requesting other payment arrangements. My hours had begun to fluctuate and I wanted to make sure I was at least making some payments to everyone. 

At first, I tried cutting my payment in half. That was fine with them at first. But every two weeks I would have to call them 4 days before my payment to set up new arrangements. I was given a number to call and was told since my payments were now past due I would be able to qualify for special payment arrangements. 

I stopped all ACH pulls because I could not afford to have them pull money and my rent check came through my bank at the same time. The ACH pulls were discontinued in XX/XX/XXXX. 

On XX/XX/XXXX. XXXX, pulled {$540.00} from my account without my authorization. No phone calls letting me know. NO even past due phone calls. They just went into my account and took the funds.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MI)

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with Nelnet directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue Nelnet. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY SYSTEMS, located at XXXX XXXX XXXX XXXX, VA XXXX, has been sending me collection notices in the amount of {$480.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my wet signature that validates that I have to pay them.
Consumer complaint received 2022-11-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-15
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. (FL)

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. 
XXXX XXXX acct # XXXXXXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX 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 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 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (NH)

To whom it may concern, My name is XXXX XXXX and several years ago I entered a debt management agreement with XXXX XXXX XXXX to settle several accounts with Santander Bank, N.A. I made all the payments and I received my graduation packet from XXXX XXXX XXXX, XXXX, about a month ago I entered a Santander Bank with all of my paperwork to inquire about one of the settled accounts and I allowed them to make copies of my paperwork. I have not had any contact with this bank for at least a year. About two weeks after this I receieved an email telling me that my minimum payment was due. I have called repeatedly and faxed them proof that this account was settled by them and that they had taken payment as agreed in the settlement offer. The Law office that handllfed this for me has also sent them all the paperwork proving that the account in question has been settled. The Law office refuses to do anything further actions on my behalf. I have the physical paperwork showing the accounts were settled and I have all my emails showing that I made all of my program payments. I even have the emails showing that I did in fact send the account in question to the Law Firm to be settled. The have asked me if I wanted to set up a payment plan and I have declined. I have the fax proving that I sent them proof of the account in question being settled. In fact what they have done is pretend that the account was never settled and have added all the interest since it was legally settled too. I am a XXXX XXXX  XXXX veteran who has been dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am only about three weeks recovering from XXXX  for this issue. I hav.e all the proof that the account has been settled and the Law office has already mailed they the proof several times. I hope your office can help me. I will be happy to give your office and records and proof if you require. 
Yours Very Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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. (CA)

There are three accounts that do not belong to me on my credit report I have been disputing this with the bureaus for 2 years almost this is my last hope these accounts I have not approved or signed on. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.
Consumer complaint received 2021-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I'm enrolled in CIti Bank Auto Pay! 
Citi Bank Computers R Falsely list me as allegedly missing a payment! 
Citi Bank computers have been illegally harassingme about that! 
That is really ridiculous! 
Because Citi is supposed to automaticallyget the $ $ $ from my bank account!
Consumer complaint received 2021-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

Navient has never communicated effectively about the repayment options and what it meant to hold a private federal student loan ( FFELP ) versus a direct federal student loan. They never reached out to discuss reconsolidation for a second time to take advantage of the federal government 's payment pause and they are purposefully dragging their feet on my reconsolidation now. I am trying to take advantage of the federal interest rate pause and they are slow walking my application. Not only that, but they have never communicated with me ( & others in a similar situation ) regarding this being an option and how to process the re-consolidation of the consolidation - I had to find out the information on my own and directly ask to receive the answers that this was possible. Navient deliberately withheld this information from me ( and others in a similar situation ), in my opinion. Had I been informed years ago, my student loans would have been on a payment pause or interest rate pause and I would have owed about XXXX dollars less than I owe now. 

My current balance is $ XXXX for my student loans. This is indentured servitude and unfair that because I took my loans out in the XXXX they don't qualify for the payment pause. This on-top of Navient not communicating about income based repayment and throwing my into forbearance instead during a 3 year period ( XXXX ) when I was struggling financially is predatory lending, plain and simple. HELP!
Consumer complaint received 2021-03-09
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: WELLS FARGO & COMPANY (IL)

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. WELLSFARGODEALERSVCS Inquiry : XXXX XXXXXXXX, 2020. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.