davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was ripped off is what happened. In 2014 I needed a car. Found a place that works with you they go thru credit acceptance. It was a lemon had nothing but problems with the car. Contacted the dealer multiple times to make it right. And he refused to. I called credit acceptance to complain. They said too bad I didnt call before the first 30 days were up that I signed contract cause I couldve returned car without being held responsible for paying for the car. But because it was after 30 days I still had to pay for it. Nobody tells you that in the first place. I felt like I had no choice so i paid for the repairs. I kept paying payments then few months later or so the transmission went. I was so fed up I called credit acceptance and told them to come get the car. I was surrendering it. They told me they would sell car at auction and I would have to pay remaining balance. months later I was finally sent a letter saying they sold the car for {$1.00} and I owed them approximately {$3600.00} I wasnt paying that much for a lemon. I had already pd thousands towards it between payments and repairs. They send it to collections and this lawyer was gon na submit paperwork to garnish my wages so I agreed to start paying. I didnt pay much but tough times happened and couldnt pay anymore. Then I get a letter from local sheriffs department saying they are involved and if I dont pay they were garnishing my wages. So I paid little more. Again I couldnt keep up. Today I was contacted by HR that the sheriff dept did place a wage garnishment against me, gon na start taking 10 % every 2 weeks starting next week. I feel so disgusted I was ripped off from the beginning. Shame on credit acceptance for completely taking advantage of people who thought it was legit and not making it right. I cant afford what theyre doing to me. how do I get thru this?
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please look at the attachments thoroughly. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (UT)

I got late payments in 2018 from nelnet and they were only sent to me on the nelnet account they said. 
I don't feel that is right to not contact someone about bills and just send them on nelnet. I had no idea and it's really hurting my credit for no reason. 
All small amounts i would of loved to of paid if i knew about them.
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023 I received a text that money was being transferred out of my XXXX account to a person named XXXX XXXX. I called to let Chase know that it was fraud. Two charges totaling {$3500.00} were pending at the time of my call. Chase did not stop them and continued to take my information. I asked them to freeze my business account that the funds were being taken from. They said they couldn't freeze it. While we were on the phone another transfer from my XXXX was pending from XXXX XXXX again. They were able to stop this third transfer. I had to create a new account with a Chase representative because my security questions were compromised as well. 
I made a complete report with Chase and received a letter yesterday from Chase that the charges were authorized and I wouldn't get my money back. I called and went into the XXXX, NY branch today and they have not resolved this issue. I never allowed this transfer, do not know this person and was told by Chase to get a police report and look up the person. The person, XXXX XXXX, from my search, lives in Georgia and is an alias for someone else. A police report was filed today. I am awaiting a copy of XXXX XXXX made from XXXX XXXX XXXX. 
Chase was a complete disappointment and very unfair to me! I fraudulently lost {$3500.00} after being a loyal customer for 20 years! I've spent many hours unsuccessfully trying to have this resolved. Chase online was terrible and the fraud department was even worse. I will tell everyone I know not to use them and that they do not protect their customers. They offered to sell me additional protection for the future. There won't be a future with me, my husband, family and friends who will no longer be customers to this bank.
Consumer complaint received 2023-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

I've applied to the income driven repayment plan over a month ago. I was told it would take two business weeks to process my application. There has been no movement with my application and student loan interest starts in a few days. Edfinancial does not respond to their email feature on their website in their phone lines consistently have a wait time of 400+ minutes. 

When I do get through, I'm told that I just need to wait longer. There has been no escalation or progress. The department of education can do nothing because this is up to the servicer.
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

My loan was originally given to XXXX! I called yesterday, and they said my account was transferred to " Ed Financial Services. I have NEVER, YET TO RECEIVE A CALL OR A LETTER FROM THEM!!!! I am unable to create an account on their website, since it does not recognize my name, DOB or SS #! I'm calling their number XXXX. I HAVE BEEN ON HOLD FOR ONE HOUR NOW!!!! They have really bad ratings! Nothing good on their website to say about them!! I need them to be reported please!
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I trust this letter finds you well. I am writing to express my ongoing concern and frustration regarding the presence of fraudulent items on my credit report, despite my previous attempts to rectify this matter. I have recently submitted a second dispute to address these issues, and I am disappointed to note that the fraudulent items persist in my credit file. 

I initially became aware of the fraudulent activities and promptly reported them to your bureau. I followed the necessary procedures, including submitting supporting documentation and filing a police report, as required by your dispute resolution process. Despite these efforts, it appears that the fraudulent items remain on my credit report, negatively impacting my creditworthiness. 

Enclosed with this letter, you will find copies of my previous correspondence, dispute letters, the police report, and any other supporting documentation submitted during my initial and subsequent disputes. It is disheartening to see that the fraudulent items continue to tarnish my credit history, making it difficult for me to secure loans, credit cards, and other financial products. 

I understand the importance of a thorough investigation in cases of identity theft or fraud, and I appreciate your commitment to ensuring the accuracy of credit reports. However, I urge you to expedite the review process and take swift action to remove the fraudulent items from my credit file. 

I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I believe that timely resolution is crucial to my financial well-being. I kindly request that you conduct a comprehensive investigation into the matters raised in my previous disputes and take the necessary steps to rectify the inaccuracies promptly. 

I would appreciate your immediate attention to this matter and request that you keep me informed of the progress of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

This is my final warning before taking legal action against your non-compliant company for violating my rights as a consumer. I am appalled by your lack of response to my previous requests for an investigation into the inaccurate inquiries on my credit report. Let me be clear : I am willing and ready to file a lawsuit against all parties involved to protect my consumer rights. Your failure to respond to my letters is a clear violation of the Fair Credit Reporting Act, and I will not tolerate it any longer. Since you have shown no interest in resolving this issue, I am providing you with a list of inquiries that I believe are reporting inaccurately. I expect you to investigate these inquiries as you are governed by the FCRA. I have attempted to contact the companies responsible for these inquiries on my own, but they either do not have any record of me or their phone numbers on my credit report are incorrect. It is unacceptable that these companies have accessed my credit report without a permissible business purpose. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I XXXX XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g I request that you provide to me verification of this alleged debt verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter have first-hand knowledge and must be notarized.Since this debt disputed pursuant to the fair credit debt collection practices act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX and XXXX I Herby inform you that you do not have my consent to communicate with me through any medium. Furthermore I do not consent to you having any of my personal and private information this constitutes aggravated identity theft I also did not consent to you reporting information in my name to the consumer reporting sgencies
Consumer complaint received 2024-03-27
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. (CA)

Despite assurances from reputable banks and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (UT)

I am requesting confirmation that my repayment plan, listed as " level '' is PSLF eligible. 

I was placed on this repayment plan 2 months ago after MOHELA recommended it to me and told me on a phone call is is PSLF eligible qualifying payment. I have now read in some places online that this payment plan is not eligible for PSLF. I have sent several messages to MOHELA over several months and have never received a response despite their own website saying a response will happen within 3-10 days. 

I am just trying to confirm that my current repayment plan with MOHELA listed as " level '' for an amount of {$500.00} will be a qualifying payment and eligible for PSLF loan forgiveness? 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against MOHELA, a service provider for student loans, for their persistent negligence and incompetence in managing my Public Service Loan Forgiveness ( PSLF ) employment verification and qualifying payment count. 

Since XX/XX/2023, I have submitted several PSLF employment verification forms to MOHELA. Despite this, they have consistently failed to process these submissions and apply the qualifying payment count to my account. This ongoing issue has not only caused significant stress and inconvenience but also stands as a barrier to my financial well-being and progress in loan forgiveness under the PSLF program. 

Such a level of service is unacceptable and unbecoming of a company tasked with managing a matter as crucial as student loans. It is imperative that MOHELA be held accountable for their actions, or lack thereof, to ensure that borrowers like myself are not unduly harmed by their incompetence. 

I urge the Consumer Financial Protection Bureau to take this complaint seriously and conduct a thorough investigation into MOHELA 's practices regarding the handling of PSLF forms and payment counts. It is vital that measures are taken to rectify this situation promptly and prevent similar occurrences in the future. 

Thank you for your attention to this matter. I am hopeful that with your intervention, a resolution can be reached that upholds the rights and interests of student loan borrowers.
Consumer complaint received 2023-07-27
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 A section 602 states I have the right to privacy.

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/XXXX I stopped by Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to deposit some funds. Our savings account there is used almost exclusively by my wife. While at the bank on that date I discovered that our savings account had been charged a monthly fee of {$5.00} since XXXX of XXXX. I was told that this happened because the account became " unlinked '' from our checking and investment accounts. We have had an account with Chase for many years and the accounts have always been linked. The " unlinking '' was not an action I took, but something that the bank did without notification. 

The branch refunded the most recent fee, but said they were unable to do more. After speaking with XXXX XXXX ( Private Client Services ) and then following up with the XXXX, XXXX XXXX, I was contacted by the escalation service today ( XX/XX/XXXX ). They called me today and said despite the mistake being on their end they would not issue a refund, per policy. While I have to assume that Chase ' terms give them legal protection, I feel like a fee that they admit to charging erroneously should be refunded and I am hoping CFPB may help give me some direction.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

The information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to dispute the following hard inquiries listed on my credit report. I have reviewed my credit report and have found these inquiries to be inaccurate and unauthorized. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inquiries and remove them from my credit report as soon as possible. 
Below is a list of the disputed inquiries : Creditor Name : XXXX XXXX Date : XX/XX/2022 Creditor Name : XXXX XXXX XXXX XXXX XXXX I did not provide authorization for the company listed above to access my credit report, nor do I have any recollection of initiating any transaction or applying for credit with them. Therefore, I am concerned about the accuracy and validity of this inquiry. 
Please conduct a thorough investigation into this matter, including verification of the legitimacy of the inquiry with the respective creditor. Under the FCRA, I understand that you are required to complete this investigation within a reasonable timeframe. 
In accordance with my rights under the FCRA, I request that you provide me with verifiable proof of your findings and actions taken. If the disputed inquiry can not be verified or is found to be inaccurate, I request that it be promptly removed from my credit report. These are hard inquires are only shown on one credit bureau, which is Experian. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Equifax on XX/XX/2023 stated XXXX XXXX XXXX XXXX  was removed from my credit report. It is still reporting on Equifax as of XX/XX/2023.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (NC)

today i logged into my credit file to see AFFIRM INC is reporting XXXX separate debts of {$290.00}, {$160.00}, {$720.00}, {$470.00} to credit reporting bureaus, i have never done business or had XXXX accounts, signed any contract or documents with AFFIRM INC or anyone they are collecting for, I do not wish to contract or do business with AFFIRM INC .
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.