davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
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. (ID)

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didnt mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to provide dispute results.
Consumer complaint received 2017-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Lendmark Financial Services (AL)

I took out a loan with this company and it has been a nightmare. My payments were due on the same time each month. If it was one day late they would call several times a day very rude and threatening. They even went as so far as to call one of my relatives. In XXXX I went in to make a payment which was about a week late ( they had called everyday and several times ). The branch manager XXXX refused payment if I did not make payment for the following month which was not even due and even going to the extent of showing me a list of people which included myself as too the reason she had to work on Saturday because of us.Upon calling corporate which still resulted in rudeness and being told that they it is up to the manager if they want to accept payment or not. So I contacted a debt collection attorney whom sent them notice that they were the Guardian of the case. I have constantly received calls from them ( unknown numbers and different numbers ) even though they know I am working with an attorney. I received a subpoena that they were seeing me that came to me instead of my attorney and they have called and left messages almost daily even after filing suite . Their collection practices are horrendous. After being harassed by them, I saw some very negative reviews and it turns out I am not the only one that has been subjected to this.
Consumer complaint received 2023-07-03
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. (OK)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX has violated my rights. Under 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (OH)

Rushcard has tied up XXXX $ since XXXX XXXX they charging me a double transaction at XXXX XXXX for XXXX atm withdrawal of XXXX plus atm fee. I contacted the atm company they assured me that it was only ine transaction on their end. XXXX XXXX owner of Rush card is claiming through social media the problems are being addressed he shut his customer service phone lines down for the first week now they answer but cant give any answers except system failure hundreds of thousands of people are affected and many states has air newscast about this. I just want my XXXX {$.00} .please help!
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CL Holdings LLC (OH)

I went to XXXX XXXX XXXX and XXXX in 2007. Not until I pulled my credit report two weeks ago did I find out that I had over {$15000.00} in private loans in collections. I never knew I had these loans nor that I took these loans out to pay for school? I keep up on my federal student loans and have them in a income contingent plan. I 'm not sure how I will pay these loans off but I also had no idea I had these loans. If I would have known in the beginning I would have never agreed to private loans.
Consumer complaint received 2016-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (UT)

I am just trying to get my financial situation in order and was looking at taking care of my student loans and was dumbstruck at the interest charges on my loans. I started with an initial XXXX loan and now I am owing over XXXX! This is outrageous and no wonder people are in debt until they did for trying to pay these off!
Consumer complaint received 2023-07-03
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2015-03-27
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America issued a Debt Forgiveness letter in XX/XX/XXXX.  It was effective XX/XX/XXXX.  However, they refuse to show a zero balance and we are unable to achieve there cooperation.  They claim they are "processing".  Well, the letter said nothing about processing.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Agency of Credit Control (CA)

hello I am filing to formally lodge a complaint against [ Agency of credit control ] acct # XXXX regarding their handling of a debt that they have claimed as a loss on their taxes but continues to report on my credit report. This situation raises significant concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 U.S.C. 1681s-2, a furnisher of information, such as a collection agency, is required to provide accurate information to credit reporting agencies. Additionally, 1681i mandates that consumers have the right to dispute inaccurate information on their credit reports. 

In this instance, the collection agency reported a debt that they have classified as a " loss '' for tax purposes. This classification suggests that they have written off the debt, which raises questions about the legitimacy of their ongoing reporting of this account on my credit report. The continued presence of this account is not only misleading but also detrimental to my creditworthiness. 

I have attempted to resolve this issue directly with [ Agency of credit control ] but have not received a satisfactory response. I also requested a copy of schedule c again no response Therefore, I am reaching out to the CFPB for assistance in enforcing my rights under the FCRA.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (GA)

I am disputing a hard inquiry on my credit report initiated by XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS which occurred on XX/XX/XXXXXXXX. These inquiries were conducted when I applied for financing for a vehicle. Despite my legitimate need to secure transportation for my family, the application was denied, and the inquiry remains on my credit report. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ), consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer. As the consumer, I am the lawful owner of my credit information, which means any entity seeking to access or use it must do so with explicit authorization and solely for permissible purposes. 
XXXX XXXX, XXXX XXXX XXXX, and STELLANTIS, as data furnishers under the FCRA, have a legal obligation to ensure that credit inquiries are conducted in compliance with this law. The continued presence of these inquiries on my credit report, despite the denial of credit, raises serious concerns about whether my credit report was accessed properly and for a permissible purpose. Additionally, the handling of my personal information by these companies may constitute a violation of the Privacy Act of XXXX which mandates that personal data be accessed and used only for legitimate and authorized purposes.

The denial of credit and the resulting inquiry have caused significant harm to my family and me, and I believe my rights under these federal laws have been violated.
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: Experian Information Solutions Inc. (CA)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX 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 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 in formation Any other adverse item of information, other than records of convictions of crimes which antedates the reporte 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 2015-05-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XXXX I went through a divorce which caused some financial hardship. In early XXXX I entered the loan modification program with Bank of America. At that time I was only 30 days past due, but of course, they informed me that I 'd have to let my account go 90 days past due in order to qualify for a modification. It took them a staggering 3 full years to complete my mortgage modification. This destroyed my credit due to now having a severely past due payment history. Even after entering into a trial payment period agreement, which was supposed to take 3 months, they still took an additional 15 months to execute the modification. I applied in XXXX or XXXX of XXXX and my mortgage was ( finally ) officially modified in XXXX of XXXX. 

This destroyed my credit since mortgage payments carry so much weight. So recently I disputed their reporting of my payment history as inaccurate through the credit bureaus, but of course, Bank of America provided documentation and the credit bureaus refused to amend it. I then spoke with someone in escalations at Bank of America and they still refuse to correct it with the credit bureaus even though they acknowledge that it took them 3 years to execute a modification and even though we agreed that it could affect my credit for 3 months, not 18 months. Their incompetence is preventing me from even being able to get a vehicle loan and it has negatively impacted my credit score significantly.
Consumer complaint received 2022-08-16
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)

Formerly, I made an investigation of some account with inaccurate information in my file. I recognized that the account XXXX  XXXX Date opened XX/XX/XXXX is still incorrect, with a confirmed status.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to FIX this account ( A ). 
XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00} Never Paid Late. The records reflect a 90 days late on XX/XX/XXXX without preceding 30 or 60 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate. Per FCRA, reporting must be 100 % accurate. Fix negative marks that damages my entire file.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft, and an ongoing issue with XXXX and Apple Card. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter 3 times now, and specifically the " XXXXXXXX XXXX XXXX '' account is still reporting. I would appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. With no answer as to why, XXXX, XXXX and Apple continue to report this account to my credit report. They won't provide any methods they used for verification, even after I've provided numerous documents proving this case of identity theft. 

Considering the above circumstances, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , the XXXX credit reporting agency , and Apple Card ( XXXX XXXX  ), 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. I have once again provided the information regarding the account in question : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX Open Date : XX/XX/XXXX I dont recognize this account. I did not authorize it and because of an evil roommate, I have to suffer for his terrible actions. This account was not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to XXXX and XXXX, as proof from the XXXX Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Consumer complaint received 2021-11-03
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. (TX)

On XX/XX/2021 I purchased a airline ticket with points at Chase XXXX XXXX XXXX. I spent XXXX. As the flight date neared I realized I had not received any notice from XXXX Rewards or the airline ( XXXX XXXX ) about the trip. 
When I called XXXX they did not have tickets for me. I then called XXXX XXXX XXXX XXXX to find out what happened. I was passed among the departments for literally hours ( approximately eight to ten hours over two days ). They never helped me in any way to resolve the lack of a ticket. 
I ultimately made another reservation on XX/XX/2021 and took the flight. This time it cost me XXXX points. 
The reservations in both cases were for the exact same flight, at exactly the same time.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (SC)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2016-03-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (CA)

ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I had identity theft on my social security number, name, and my personal l information such as different addresses. Which compromised my credit report being hindered and myself taking a hit on my social and name. Which is defamation of my name and character.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (DE)

Please see the screenshot I took on XX/XX/XXXX at XXXX XXXX. XXXX. before sending the email to Sofi on that same day inquiring about the missing points for the recurring crypto purchases made on XXXX, XXXX, XXXX & XXXX. At that time the terms for the crypto did not specify a minimum purchase of {$10.00} as they do now. If they indeed did change the requirements on XXXX, they had not updated the verbiage publicly as of the XX/XX/XXXX email I sent.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I am a victim of student loan identity theft. Navient has contacted me repeatedly and reported this on my credit. Navient claims that I have cosigned on a student loan. I have never taken out a loan or cosigned for one. When I informed Navient of this they sent me identity theft paperwork to compete and notarize. I did this and returned it to them complete with a police report and handwriting samples. Within one week Navient stated that " after carefully '' reviewing '' my info that they could not substantiate my claim. Review is not the same as investigate. Identity theft should be taken seriously by this agency and proper due diligence performed. The collection harassment and negative credit reporting persists. I do not even have copies of the forged loan documents. I have attached the lettters from Navient as well as my latest response.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

On XX/XX/2022, I sent a wire transfer to a company on the internet known as XXXX, with the internet domain name of XXXX, to get XXXX XXXX. They hold themselves out as a company that can provide XXXX XXXX in compliance with US Laws to countries all over the world. They have a U.S. Phone number, but I was never able to actually speak with anyone over the phone. The company is also known as XXXX XXXX , XXXX., located at XXXX XXXX XXXX  XXXX., XXXX XXXX, XXXX , XXXX . I realized I made an incorrect order, and XXXX indicated they did not have the medication I needed, and would have to source locally. However, they did not confirm that they would send me a refund, and I have now not heard from them in several weeks. It seems that this company is a scam. I found reviews of them online indicating that many other people have had issues not getting anything back from the company. 

My wire transfer was made via my U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I tried to cancel the wire transfer within 30 minutes to get a full refund per U.S. Bank policy. However, when I called, the agent on the phone informed me that the branch manager would have to call to cancel the wire transfer. I then called the local branch and requested the branch manager call to cancel. He did not call to cancel within 30 minutes, so the wire went out. I called the company XXXX to cancel the transaction, and sent them several emails. I have not received my money back and do not think that I ever will.