davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (LA)

Recently found out I was a victim of Identity Theft, so was told to pull my credit report to see was there any fraudulent information on there. I found many fraudulent accounts that I didnt open nor did I authorize or consent for them to be opened in my name, along with many fraudulent inquiries for new credit. So Im taking the necessary Steps to get this matter resolved as soon as possible.
Consumer complaint received 2020-10-06
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-06
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: American Credit Acceptance, LLC (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TOLL BROTHERS INC (FL)

In mid XX/XX/2015 my wife and I entered into a contract ( see attached ) with Toll Brothers to build a new house at XXXX XXXX in XXXX Florida. Despite the fact that their representatives ( XXXX XXXX XXXX XXXX XXXX ) knew we had at the time 8 rescue dogs, they induced us to sign a contract and send earnest money in the amount of {$110000.00} knowing that the ultimate bylaws of the XXXX ( when the property was turned over ) would never consider 8 dogs a " reasonable number of pets '' as per the bylaws. 

Toll Brothers Mortgage also failed to produce an acceptable mortgage at which point we formally withdrew from the contract in accordance w/ its terms and conditions. In reaction to our formal withdrawal they sited a portion of the contract dealing w/ " color selections '' ( see attached ) and said we voided the contract by not choosing them in time and that they were therefore entitled to retain our full earnest money. This position is despite the fact that they have since sold a home on the subject lot and can substantiate only $ XXXX in incurred expenses. 

Their company practices became even worse when, after {$15000.00} of legal expenses, they agreed to non-binding mediation only to reiterate that they were entitled to retain the entire earnest money. They would agree to return {$70000.00} ( representing a {$47000.00} loss plus {$15000.00} in legal fees to me ) despite admitting they had sold the property and they had little by way of actual damages. This is a terrible company with no ethics that should be avoided at all costs. We only wanted a reasonable offer which we felt would be in the area of their actual damages of approx {$17000.00} of out of pocket expenses. 

It should be noted that your agency recd many similar complaints ( FOIA request to follow ) and we feel by dropping any further action against Toll Brothers you are leaving more consumers on their own to deal with an unethical company.
Consumer complaint received 2020-10-06
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. (FL)

I began reporting discrepancies and disputing incorrect items on my Credit Report ( s ) to EACH of the three ( 3 ) Agencies ( Experian, XXXX  & XXXX  ) in XXXX. 
To date, XX/XX/XXXX, NO RESOLUTION has been achieved from any of these three ( 3 ) Agencies. 
I have sent as Many AS Many as thirty-five to some. 
I now believe I am the VICTIM of " AGE DISCRIMINATION ''
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Consumer complaint received 2020-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NC)

Navient makes it impossible to log into the website to pay bills. Despite having a working login one day, the next day it is impossible to log in. I have my login information correct and despite this, it notifies me that I have entered incorrect log in information and only have 3 attempts total before having to physically call the company hotline to reset my password. This is clear predatory behavior that only benefits Navient as it increases interest paid and prevents the aspiring generation from being able to pay off their debts. Furthermore, Navient makes obvious attempts to misallocate loan payments and intentionally confuse their customers in order to again, keep interest payments high.
Consumer complaint received 2019-06-19
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: AMERICAN EXPRESS COMPANY (MN)

I experienced fraud on my American Express Corporate Card in XX/XX/XXXX. While I was travelling in XXXX XXXX ( XXXX  and Connecticut  ), I noticed 3 XXXX  charges from XXXX, XXXX. I immediately called Amex and was transferred to the fraud department. We identified the charges as fraudulent and I filed a claim. I was issued a provisional credit and was told it would be made permanent on the conclusion of the investigation. I called back several weeks later and was told the investigation was still ongoing. ( It was unclear why much investigating was required given I had charges at physical locations in Massachusetts  the same day. ) I was told the case required a maximum of 45 days to resolve, yet there was never a permanent credit issued.

I called today, in XX/XX/XXXX, and was told that there was no case and no credit had been issued ( apparently my case had been lost. ) I had to provide all the information again and was told my case ( XXXX  ) will now take another 45 days to resolve. Given how this is obviously fraud and I have already filed a case, I find this timeline unacceptable and have told your representative that.

I expect to be issued a full credit immediately - this is not a difficult investigation and two minutes of analyzing a statement will make apparent that there has been fraud.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX, I sent a certified mail to Equifax to update the inaccurate and derogatory payment history on my credit report. I provided supporting documentation from the creditor, XXXX XXXX that the delinquencies ( 3 ) have been removed from my account. 

After numerous telephone calls and follow-ups, As of XX/XX/2020 which is in excess of 90 days, Equifax has failed to update and report this information accurately as required by the FCRA.
Consumer complaint received 2019-06-19
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: EQUIFAX, INC. (TN)

I have attempted to file multiple disputes to Equifax in regard to fraud activity on my credit file. I have provided documents to verify my address at the time of the said services. I was a victim of identity theft and this company is aware of that. I have police reports on this matter in which Equifax disregard every time I file a dispute. The companies reporting is XXXX XXXX XXXX XXXX and Mississippi XXXX. Both specifying dates which is impossible to live in 2 places at the same time. I have requested verification documents from these companies many times and have not been provided the documents used to open these accounts. I filed a recent dispute with Equifax XX/XX/2019 and the results are verified as belonging to me. Equifax could not provide me the information that is legally entitled to me on how their company discovered the results. I was told by an Equifax representative that it was word of mouth from the companies claiming I owe the debt. 

I've had a credit freeze on my account with Equifax for years due to my social security card and government ID being stolen as well as fraud activity on my accounts. Equifax today is still distributing my credit information to third party companies even with my file being locked. My sensitive information was leaked in Equifax 's latest of many data breeches and I was told by Equifax there was nothing I or they could do about the concern of my Identity. Equifax is not following the laws in regards to consumer personal information and rights. Equifax is conducting business with careless intent and no concern to consumers. To many people are victims of identity theft and fraud activitiy due to Equifax back door security. Equifax seems to be for the creditors as they are being used so often by creditors that they have no regards for the consumers. Equifax do not complete thorough investigations on disputes and Equifax house false and inaccurate information on purpose.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: CIBC BANCORP USA INC. (PA)

I received the check from Bancorp bank the balance of my achieve prepaid card balance. I received this initial check from them back in XXXX of 2022. I tried XXXX, Check cashing entities and got no where. I sent the check back and they reissued another check. I tried to deposit the check in my XXXX prepaid card account and they declined it with no explanation. I have called them several times and have gotten no answer of why they wont cash the check. This process has been almost a year!! I need my money the check is for {$2100.00}. I need the money and the money belongs to me. I don't want to have to send the check back again.!! Please help me get some resolution to this issue as I have bills to pay and its rightfully my money. XXXX  is also a Bancorp entity.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Per the attached document I filed a complaint with Capital One 's leadership and XX/XX/2019 as follow. Thus far, all parties have been an unwillingness and lack of common courtesy to provide any service as it relates to my complaint. 

I contacted Capital One customer service on XX/XX/2019 do to these unethical acts and was told that I would be obtaining a letter within five to seven business days as it related to my concerns outlined in attached complaint. 

Several weeks had past and I still had not received a response regarding my complaint. Therefore, I contacted Capital One again on XX/XX/2019. I spoke with a supervisor and explained the situation and forewarn that I were in the process of filing a complaint with the CFPB due to the failure of Capital One to address my prejudicial treatment complaint. 
I was assure that I would be obtaining a call the following day. 

A couple of days past and I still had not received a call or response. I again contacted Capital One on XX/XX/2019 and was meant with additional prejudicial treatment. During my interaction with XXXX # XXXX after verifying my information through the automatic system and providing him my first and last name ; he arbitrarily declined to provide assistance. On numerous occasions I requested what was Capital One 's policy as it related to the matter and told him that he was engaging in discriminatory practices by refusing to assist me after I had already provided the last four of my social security and card number along with first and last name. XXXX # XXXX conduct was so absurd that I requested to speak with a manager. Subsequently I spoke with XXXX # XXXX who indicated that I had already provided verifying information and I did not have to provide additional information as demanded by XXXX. XXXX assured me that he would take action, however as it related to my concerns XXXX was unhelpful. 

The level of treatment I have obtained from Capital One is unreasonable and in the sake of customer service, no client should have to file a complaint with the CFPB for their complaints to be looked into in a fair and equitable manner.
Consumer complaint received 2019-06-19
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: CHARLES SCHWAB CORPORATION, THE (TX)

There was an unauthorized credit inquiry made on my credit file from Charles Schwab. On XX/XX/2019, a fraudulent account was opened with Charles Schwab. I contacted the company immediately advising that this account was not opened by myself. I requested to have the account closed and the credit inquiry removed from my credit file. I followed up with Charles Schwab on Monday XX/XX/2019, to advised that the credit inquiry was still on my credit file. I requested a copy of the letter that was sent to the credit reporting agency for the removal of the inquiry, the company advised that the letter could not be provided due to being an internal system that is used to submit the request. Charles Schwab advised to allow until XX/XX/2019, for the inquiry to be removed. It is now XX/XX/2019, and the inquiry remains on my credit file and no follow up has been completed by the company.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (NC)

Due to COVID I had to become delinquent on this account and entered into a debt settlement arrangement. According to XXXX XXXX, we have had an active settlement in place with Upgrade since XX/XX/XXXX  where I have paid an agreed upon amount after the account was charged off. They are inaccurately reporting my account as opened still, and hitting my report with late payments falsely. I have tried to reach out to them with no such luck. I have filed reports with the credit bureaus as well and the info has not been removed.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2020-02-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

I am attempting to make a payment toward my student loans on the Nelnet website today, XX/XX/20, and Nelnet will not allow me to post the payment sooner than XX/XX/20. By the time the payment posts, 2-3 days of additional interest will have accrued and my payments will apply more to interest than is due today, the day that I'm attempting to pay. My understanding was that I could make a payment at any time but this does not appear to be true. The funds are available in my bank account today regardless of whether Nelnet can collect over the weekend. I should not be penalized for this. 

I submitted complaint XXXX in XXXX for other deceptive practices with Nelnet. They have not yet resolved the issue identified in that complaint or contacted me as they said they would in their response. I believe this new issue is just one more deceptive practice by this company that causes financial harm to borrowers.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.