davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DOE XXXX Account Number : XXXX Account Name : DOE XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to reach Experian online, by mail, and by phone. I haven't been successful with reaching anyone. I haven't been able to access my consumer report due to the wrong number that is listed. I would this information so that I can have access to my consumer report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX & 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.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-01
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. (AL)

The Hard Inquiries that is reporting on my credit report is affecting me from getting approve for a credit card, and i dont recognize the inquiries this is a diect violation against my consumer rights i never gave my consent or permission for these Hard inquiries to be furnish on my report this Fraud and I need the CFPB to resolve this issue.
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (NC)

HJR 192 XXXX THERE IS NO MONEY Company repossessed car despite giving promissory note and tax paperwork on XXXX, spoke to GMAC rep on XXXX who agreed to await for USPS certified mail yet repossessed that same night. I want my car back, loan only 41 days old. My signature paid for loan.
Consumer complaint received 2023-07-01
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. (IL)

I have been disputing information on my credit report with XXXX since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving XXXX 30 days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX XXXX XXXX  and XXXX is showing 3 bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments SEVERAL TIMES and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over 60 days to complete their investigation and furnish proof.
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

On the day of XX/XX/2023 I mailed a negotiable instrument with a signature that stated. " I accept the offer in the amount of XXXX for valuable consideration and tender the full amount of all claims, by without recourse. '' The offer was accepted on XX/XX/2023. I have proof which will be attached that my account was not tendered properly in good faith my account should be fulfilled. I've reached out to their missing payments department. They asked for the receipt and USPS money order number. I asked to speak to a supervisor on XX/XX/2023 as well as proof of my draft and accepted the offer USC 3-311 ( a ) ( i ). Here is the email sent " Upon accepting my payment In good faith the negotiable instrument ( money order ) accordingly, Ucc 3-311 was accepted for cash for the full satisfaction of the account. Due to the draft stated, my account should be fulfilled and zeroed out. The instrument has to be tendered properly in full satisfaction of the claim. '' I received a letter stating that I was in a penalty of past due when my offer was accepted for value. 
I've called multiple times. They said that it would be an email sent to me in regard to my account on the day of XXXX XXXX. I still haven't heard anything. Nor has my account been resolved. 
Under the law of UCC 3-311 satisfaction by use of instruments and UCC3-310 effect of the instrument on obligation for which taken. Due to the money order and draft being accepted and cashed, the debt should be discharged.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (PA)

UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- - UPDATE TO CLAIM # XXXX -- -- -- -- - EXPERIAN IS IN WILLFULL NEGLEGENCE AND NON COMPLIANCE IN DIRECT VIOLATION UNDER THE FCRA UNDER 15 USC 1681i ( B ) Extension of period to reinvestigate -- -- Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. -- -- -EXPERIAN HAS NOT RESPONDED, VERIFIED in over 60 days if the initial dispute!!! -- -- -- -Under 15 USC 1681i ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. -- -- -- -- -- -EXPERIAN IS OBLIGATE TO DELETE THE REQUESTED INFORMATION DUE TO FAILURE TO PERFORM WITHIN A TIMELY MANNER.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Due to identity thefts fraudulent paperwork tampering with records XXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX  an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement
Consumer complaint received 2023-07-01
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: Bread Financial Holdings, Inc. (WA)

I had an XXXX store credit card that they recommended me to get and use in the store. When I got the card, I enabled auto pay which stopped working because of some bug at XXXX credit card end. Instead of notifying me, they kept charging me interest and then showed late payments on XXXX. A {$30.00} purchase led to drop of over XXXX on my XXXXredit score. As soon as that happened i paid off charges and closed my credit card. Since then i have been asking them to fix the wrong record on my XXXX report but they havent made any progress.
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX ( XXXX ) is inaccurately reporting XXXX late payments for XXXX and XXXX of 2020 on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the XXXX inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the XXXX department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the XXXX late payments. This is frustrating and very stressful to my life!
Consumer complaint received 2023-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SANTANDER HOLDINGS USA, INC. (MO)

We received a debit card from Chrysler Capital ( managed by XXXX XXXX XXXX ) in regards to a vehicle we sold. It came as a debit card. We attempted to transfer it to our bank account and it showed pending. It went back to the card instead of transferring. We tried to use the card since we have made multiple attempts to contact them via phone and email to no avail but it comes back as expired ( We initiated the transfer prior to the card expiring ). When I log onto the account, the money is still there. 
We just want the money due us and we really are disappointed that we were sent a debit card as opposed to a check. We also we like to be able to speak to someone via XXXX XXXX to fix the issue. 
Please help.
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

Chase charges {$34.00} 3x a day if given the chance.

I recently had an issue with overdraft fees being charged for pending transactions. The transactions did not stop showing pending until XX/XX/XXXX. They hit my account XX/XX/XXXX and is meant to be paid XX/XX/XXXX. For whatever reason, this time Chase decided they would charge me 2 overdraft fees. Each fee coresponded to a charge from XXXX XXXX that was pending on XX/XX/XXXX. I got paid around XXXX on XX/XX/XXXX, yet Chase had already charged me TWO overdraft fees for PENDING transactions. I asked that they return the overdraft fees and they absolutely refused to do so because they reversed some others for unexpected charges in the last 365 days. Chase is a terrible bank who charges OD fees constantly even when stuff is pending. I wouldn't even care because typically it would be my mistake, but in this case the payments that hit my account are normal and occur EVERY SINGLE pay period, yet Chase has never charged me OD fees for them before. 
To recap : XXXX XXXX charges hit my account on XX/XX/XXXX - XX/XX/XXXX as PENDING I was paid XX/XX/XXXX around XXXX Chase charged me an overdraft fee for each XXXX XXXX transaction Charges did not come out of Pending until XX/XX/XXXX. 
These are charges that occur in my account every payday ( twice a month ) and I've never had issues before now. 

I would like for Chase to refund my OD fees, and the 2 prior to this incident if possible.
Consumer complaint received 2017-10-13
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. (WA)

I 've contacted the 3 credit report bureaus XXXX XXXX, XXXX XXXX, and Experian XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear XXXX, XXXX XXXX, and Experian! 
Please provide the Consumers of America with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every Consumer constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying False and Misleading Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ). All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Consumer complaint received 2023-07-01
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)

I'm disputing the XXXX account on all credit bureaus for fraud I got a XXXX XXXX XXXX XXXX loan I signed up and got a denial letter saying I didnt get approved and they told me it was XXXX and now there charging me interest on my own money and it shows my contract as closed then they opened it back up and on my debit card and on my profile shows XXXX XXXX XXXX making the contract invalid and should not be on my credit and it says an addendum was added without my consent An addendum is used to clarify and add things that were not part of the original contract or agreement means this is fraud and they been taking my money on the low that's fraud XXXX I also made payments of XXXX since XXXX and the balance is incorrect
Consumer complaint received 2023-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/23, I made a payment for {XXXX with my fiance 's bank account towards my car payment. It was processed on XX/XX/23. On XX/XX/23. On XX/XX/23, he didn't recognize the transaction and disputed a transaction for the payment amount, not realizing it was for the payment. He realized the mistake and cancelled the dispute on the same day. On XX/XX/XXXX, XXXX XXXX ( his bank ) took back the money but never recieved any money for this transaction, and essentially the money dissapeared. Additionally, On XX/XX/23, my bankruptcy case was filed with the court and a capital one representative could not be reached due to pending bankruptcy, instead a got redirected to XXXX ( the company holding my account due to bankruptcy ). A week later, I called to request an explanation if the payment would be reprocessed and the XXXX representative stated that it would not. 

On XX/XX/23, I called once again inquiring about the money and to get a copy of my payment history. 

I have tried resolving this issue with Captial OneXXXX and they refuse to cooperate.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I received a check for the value of {$3400.00}. I believe this to have been a fraudulent check, but did not know at the time I deposited the check. I deposited the check into my Chase checking account on XXXX/XXXX/XXXX. I was informed by the scammer on XXXX/XXXX/XXXX that I needed to withdraw {$2500.00} of the money that I deposited, and submit that money into another Chase business account. I can provide the name on the account and the account number, upon request. I believe this account is directly associated with the scam. I submit the {$2500.00} into the account provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a notification from Chase stating that my account was overdrawn by {$2500.00}, because the check for {$3400.00} had bounced. I called Chase bank to try to figure out what had happened, and spoke to several different customer service representatives. The last representative I spoke to instructed me to go to the Chase bank branch I made the {$2500.00} deposit, and instruct the bank teller that I worked with to contact a number that they provided me. Upon arriving at the Chase branch that I made the deposit at, they informed me that they would not, under any circumstances, call that number, and that there was nothing that I could do in this situation aside from paying the negative balance on my account. I have submit a police report, # XXXX, and can provide a copy of the report upon request.
Consumer complaint received 2023-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

My student loans were transferred to Nelnet in XX/XX/2022. I have been making payments of {$500.00} to {$1000.00} per month and recently discovered Nelnet has only been crediting my loans with {$40.00} payments. I contacted Nelnet customer service weeks ago and provided them with printouts from my XXXX XXXX reflecting the dates and amounts of the electronic payments to Nelnet. As of today, Nelnet is unable to tell me where the missing funds are and why they haven't applied the funds to my loans. I received a call from customer service approximately two weeks after notifying them of the discrepancies and they informed me they have not made any progress in determining what has happened to the thousands of dollars I have sent them since they assumed servicing responsibilities for my student loans. I have researched this issue and discovered that this is not an isolated situation and countless other borrowers have complained of similar misconduct by Nelnet.
Consumer complaint received 2023-07-01
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX Dofed # XXXX, XXXX # XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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 7 years.

15USC 1681s-z ( 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.