davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

In Spring '19, I last attended Florida XXXX XXXX and I called Navient to inform them that I needed my account on forbearance until I went back to school. I was told on a recorded line that it had been escalated to be resolved. However, in XXXX of this year I saw a very hard drop in my credit scores due to the account never being put in forbearance. I then called and explained I never received any calls, statements or any notice of me being late on any payments, where I got tacked on with 17 late/missed payments. I am beyond upset where now this is causing me financial hardship and I'm unable to attend school at getting a further education where I'm being denied access to funds.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CA)

According to the IRS " get my payment '' web portal, my government stimulus payment was deposited into my American Express Serve card account on XX/XX/2020. The ABA routing number and my account number listed for the transaction are both correct along with the deposit amount. My account does not have any information on this transaction and after calling American Express customer service, they claim no such transaction has occurred on my account. They were not willing to investigate my claim, they were extremely rude and unhelpful in handling this matter. In addition, I asked to be transfered to someone in a supervisory capacity and on 3 seperate phone calls, my call was transfered only to be left on hold and disconnected. I have been trying to resolve this issue since the problem was first discovered on XX/XX/2020 and my last call to them was on XX/XX/2020
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

I purchased a XXXX XXXX device from Amazon and decided to return it with another Amazon item, a cell phone cover. 
The order was delivered back to Amazon on XX/XX/XXXX, per a Supervisor I spoke with today, but they say that the XXXX was not in the package and requested that I return it or else they would reverse the refund. 
I've gone back and forth with them on the phone and now in email, letting them know that I do not have the XXXX, they have it. I can not return something I do not have. If there was a mix-up in the packaging, then both items would be in question, not just the XXXX Truth is, I did not mix them up. I've returned numerous items over the 10-plus years that I've been a prime member. I know what I'm doing. Plus, mix-up or not, they still should have both items. 
I had requested that they send back the packages so that I can review them and straighten them out if needed, but they won't do this either. 
They can not have both my money and the item, not fair.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (AZ)

I am using Webster Bank for my XXXX XXXX Account. I have been submitting receipts/transactions online in the mobile app. Webster Bank then lists the transactions multiple times and would allow me to " pay '' the same expense multiple. If I had the expense paid multiple times it would be a violation of the US Tax Code as this is a tax favored account and only " qualified medical expenses '' are tax free. An reimbursement in error would not only create a taxable event, but a penalty by the IRS as well. 
I have tried to call and told the same thing. It is because I am using my debit card ( Webster Bank ) and then submitting online. I told them that is not true and it was verified. I was then told, it was my insurance company submitting claims as well as me. I also confirmed with them, this is not true. I have provided screen shots of the double transactions. I also noted that I purposely mis spelled items to prove they are my transactions that are being logged twice in the system. After several calls and emails it was escalated and then several days after the telephone agent confirmed that it is not debit card or insurance company dual submissioins someone called me today and said the same old thing, that I am using the debit card and then creating a duplicate submission. This is simply not true.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access Trans Union or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX XXXXXXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-02
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. (CO)

AGAIN I FILED A COMPLAINT AND ADVISED XXXX BACK ON XX/XX/2019 AND ADVISED THEM CREDIT SYSTEMS WOULD BE ATTEMPTING TO ADD AN ACCT THAT THEY ARE ILLEGALLY ADDING TO MY CREDIT. THEY REFUSED TO VALIDATE THIS DEBT BACK ON XX/XX/2019 AND THEREFORE NULL AND VOIDED THEIR RIGHTS TO ADD THIS ACCT. IT WAS ADDED AND REMOVED BY XXXX LAST YR AND ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. AND THEY ARE ASSISTING THE COMPANY IF VIOLATING THE FAIR DEBT COLLECTION PRACTICES ACT. THIS ACCT NEEDS TO BE REMOVED IMMEDIATELY. I AM REALLY FRUSTRATED WITH HAVING TO KEEP DOING THIS, BUT I HAVE WORKED TOO HARD TO BUILD MY CREDIT. THEY NULL AND VOIDED THEIR RIGHT. THIS ACCT IS OVER 1 YR OLD AND XXXX XXXX XXXX BREACHED THEIR CONTRACT AND REFUSED TO CANCEL CONTRACT UNDER Service members Civil Relief Act AND ALSO UNDER THE POLICY THAT I COULD CANCEL IF I HAD A MEDICAL CONDITION THAT DID NOT ALLOW ME TO XXXX ANY LONGER AND I HAVE XXXX   XXXX. I ALSO RELOCATED TO ILLINOIS AND THEY COULD NOT PROVIDE THEIR SERVICES IN THAT STATE SO THEY COULDNT ABIDE BY THEIR OWN CONTRACT. THEY ARE NOT THE ORIGINAL CREDITOR AND RECEIVED MONEY BACK ON TAX RETURNS THEREFORE NO AMTS ARE OWED. THEY CAN NOT LEGALLY " DOUBLE DIP ''
Consumer complaint received 2020-06-02
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. (FL)

These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2020-06-02
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. (FL)

These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Consumer complaint received 2020-06-02
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. (FL)

have been effected by COVID-19 due to lost of employment. I informed XXXX XXXX ( XXXX ) of this information and still continued to make payment on account. My account closed when payments were being made. It is my understanding that creditors should not do anything negative to consumers credit during this pandemic for those who were affected. You used information reported during a Pandemic and not based on my paying history. Your closing my account with a remaining balance has cause a negative impact on my credit report. According to XXXX XXXX, Information was given by Trans Union that acccounts were reported negatively in XX/XX/2020. All negative items were disputed and corrected by other creditor and Trans union continue to report negative information against the Care Act Bill. after I provided information from the creditor showing negative information was being removed from credit report. This information was provided to to TransUnion through previous CFPB complaint filed.
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by DIGNIFI/WEBBANK. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time for the billing cycle, which was due on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, a late payment of 30, 60, 90 and 120 days was incorrectly reported.

I have provided evidence of this timely payment, including bank statements showing that the payment was processed well before the due date. 
There appears to have been a clerical or administrative error that resulted in the late payment being reported across all three bureaus, despite no actual delinquency on the account. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Consumer complaint received 2020-06-02
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 am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit information.
Consumer complaint received 2020-06-02
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. (AL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX XXXX {$360.00}
Consumer complaint received 2020-06-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AR)

My mortgage was sold to M & T bank in XXXX or XX/XX/XXXX. My regular monthly payment at the time was {$510.00}, then they did an analysis on my escrow account in XXXX because I had gotten homeowners insurance and I knew it would go up of course, and it did, to {$580.00}, I always pay online and that's what I have been paying since that's what it says is due. Today XX/XX/XXXX I went online to pay and my amount due was {$710.00}! So I immediately called and they couldn't give me an answer, said they had done an analysis in XXXX and unless they have made a mistake somewhere that will be my regular payment. 
I have the document that stated that after the analysis they did in XXXX that from then on out there would be an annual one done every XXXX. 
Also there is something on my paper bills added to my regular payments {$110.00} listed as Recoverable Corporate Advance? That is never on my bill when I pay online, I am current on mortgage, please help, I do not believe that my house payment has jumped {$130.00} and the {$110.00} recoverable corporate advance since they did the analysis in XX/XX/XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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: WELLS FARGO & COMPANY (CT)

Wells Fargo HELOC - I began refinance of my Home on XX/XX/XXXX. Credit report showed paid as agreed for Wells Fargo HELOC. This account was also verified with XXXX   Mortgage Service and me on the phone and Wells Fargo stated that there were no late payments The mortgage company ran our credit a few more times and surprisingly on XX/XX/XXXX Wells Fargo added a late payment for XXXX which is not correct. I have made all my payments on time and in 14 months have not received one late  payment fee. I have been working with Wells Fargo HELOC department to rectify this since XX/XX/XXXX and the late payment is still on the credit report. This is incorrect and Wells Fargo is not returning messages although I have a dedicated individual that is supposed to be clearing this up. After speaking to a representative today they can't seem to explain but told me I was late in XXXX. I have a copy of all payments for the last year and I was not late once. Now our FHA refinance is in jeopardy. Wells Fargo is one on the worst organizations I have dealt with.
Consumer complaint received 2020-06-02
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. (AZ)

I had a person loan for {$5000.00} that has been paid in full on XX/XX/2020. I requested a dispute of this amount on XX/XX/2020 and XX/XX/2020 I was informed via emailed the account will remain on my account. I also have some late payment items that were discharged in bankruptcy. I sent back a rating for the dispute at XXXX, and my rating dropped 40 points magically. My other credit scores are over 650. The information for the dispute is listed below. Thank you XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX Personal & Confidential Date Generated XX/XX/2020 Report Number XXXX
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (OH)

I bought vehicle from XXXX XXXX XXXX, in XX/XX/XXXX, through the XXXX XXXX XXXX SANTANDER CONSUMER USA!. I have paid XXXX to this date, my payoff is XXXX dollars to this date, XX/XX/XXXX. I financed XXXX, I am being charged almost 27 % interest! they misled the cost and the terms of the auto loan, they are crooks. I do not appreciate being taken advantage. I have had problems with keeping up with the loan, due to the high fees and interest rates. my car has mechanical problems, and I am forced to fix it, I can not trade this vehicle in, because, I am extremely negative on the equity. Please help me and many others who have suffered enough. I need a running vehicle for my family and myself. I am also very frustrated, because they hid things that were not supposed to be hidden. Thank you-m.
Consumer complaint received 2020-06-02
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. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2020-06-02
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. (OH)

There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.