davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
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. (DE)

There are inquiries that I am not aware of showing on my credit report.. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  need to be removed because under SCRA benefits my payments should not exceed over 6 %.. The creditor is stating that I have been approved for SCRA benefits applying to this account but it doesnt qualify for the 6 %.. Please remove this account from my credit report as this is not lawful..
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MN)

I received a letter recently regarding charges that were for a program that I did not sign up for in 2008. I called the number and was suppose to receive a refund. I had a last name change and I called three different times to verify if they needed documentation on this. Each time they said it was fine and the name was changed. I get the check and the last name was incorrect. I went to Wells Fargo showed them the paperwork and my social security card. They said they could not accept it and needed a marriage license. 
I complained about this to Wells Fargo corporation, XXXX followed up with me and told me he was going to help me.He never called me back when he did. I got a copy of my marriage license showing my name change. Then, I received a form stating about the name changed and documentation needed. On the form it said they would accept a name change based on a social security or marriage license. I already presented the social security card but they refused to accept it. With how Wells Fargo has handled the issue, I can see them saying they did not receive the paperwork which now I am nervous to send it because no one is helping or following up with me as I have requested. They expect me to wait another 45 days plus to receive my check. I want someone to help me with this process. The complaint person never followed up and I do not have their number.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

On Monday XXXX XXXX I attempted to use a benefit of my Chase Sapphire Reserve credit card. It is part of My Chase Plan and called " Pay over time ''. There were three charges for which I wanted to use " pay over time '', you are allowed up to 10. All three are charges for XXXX XXXX XXXX XXXX Two are for {$6200.00} and one is for {$2200.00}. When I looked at all three they had the same information. It is 0 % interest and {$0.00} monthly fees. After completing the first for {$2200.00}, I went to the second. At this point the terms were changed. Now the monthly fees went to {$39.00} per month. A total of {$470.00} for the year on 12 payments with 0 % interest. When I looked the XXXX It was the same {$39.00} per month, 0 % and {$470.00} for the year. A total of {$940.00}. Nowhere in the information provided for " pay over time '' does it state that either interest or monthly fees would change after first use. I immediately called Chase to question this. I spoke with XXXX at Chase and was advised there is nothing that can be done. I spoke with a supervisor who repeated that once opened it was non changeable. I advised the system showed that the transaction was still pending, not yet completed. That made no difference. I requested if the payment could be switched to one of the larger amounts. Also denied. I was aware of the no change no cancellation policy after approval. I was not aware that my first use would change the terms going forward. 
This is how it was left until this request.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute Regarding Incorrect Reporting of Accounts by XXXX on TransUnion Credit Report Dear Sir/Madam , I am writing to formally dispute and bring to your attention an error in the reporting of my credit information by XXXX to TransUnion. Specifically, I am addressing the inaccurate reporting of 17 accounts associated with XXXX on my TransUnion credit report. 

These 17 accounts were previously reported as derogatory on my credit report. However, I wish to clarify that these accounts are in fact in good standing or have been paid as agreed. The reason for this discrepancy is due to the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that I received. 

As per the guidelines outlined in the XXXX XXXX process, once my discharge was approved, XXXX should have updated the status of these accounts to reflect that they were discharged due to my total and XXXX XXXX. Additionally, any payments made on or after the effective date of the discharge should have been refunded, as stipulated in the XXXX XXXX guidelines. 

Furthermore, it is important to note that these accounts should not be marked as closed, but rather should be marked in good standing or as paid as agreed. They should also remain on my credit report as evidence of my responsible repayment history prior to the discharge. 

I have already communicated this matter to TransUnion through a certified letter, providing documentation to support my claim. However, as the reporting entity, XXXX holds responsibility for accurately reporting my credit information to the credit bureaus. 

Therefore, I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccurate reporting of these accounts by XXXX on my TransUnion credit report. Specifically, I request that : The 17 accounts associated with XXXX be updated to reflect their correct status as discharged due to total and XXXX XXXX. 
Any payments made on or after the effective date of the discharge be refunded as per the XXXX XXXX guidelines. 
The accounts be marked as in good standing or paid as agreed, rather than closed. 
The accounts remain on my credit report as evidence of my responsible repayment history prior to the discharge. 
I am enclosing copies of relevant documentation, including the XXXX XXXX approval, for your reference. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation and ensure that my credit report accurately reflects my credit status. 

Please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-16
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. (FL)

The following inquiries have been exposed in several data breaches and I have not applied for nor benefit from the following credit inquiries. I have unauthorized inquires that are not tied to any open accounts which should be deleted immediately. If not you are violating 15 U.S. Code 5 1681i.
Consumer complaint received 2023-04-22
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)

I contacted the creditor about the inquiry i receive on credit report, they looked in to the issue and saw that it was done fraudulent. They send me a letter stated that the inquiry should be remove out of my credit report.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

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 2018-08-03
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. (AL)

1. XXXX XXXX XXXX : disputing information on credit report since XX/XX/XXXX to XX/XX/XXXX ; car loan was paid off by my insurance due to being totaled in a car accident in XX/XX/XXXX. They are reporting to the bureaus that the loan was a charge off and balance not paid in full. Disputed claim with no information of findings. 

2. XXXX XXXX XXXX XXXX XXXX : reported to bureaus and the company that the mortgage loan was not included in my bankruptcy case. Reafffirmation documents were sent to XXXX in XX/XX/XXXX and this month of XX/XX/XXXX. No change on credit reports has been submitted. 

3. XXXX  XXXX XXXX : company is reporting that I was 120 days past due in XX/XX/XXXX and and XX/XX/XXXX, I contacted the company and was told that I didn't have a loan on file. My loans were sold and consolidated in XX/XX/XXXX and I have been making payments to XXXX XXXX XXXX since then and am in good standing.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit report, I discovered that there are several false accounts listed that do not belong to me. 
The presence of these false accounts on my credit report is damaging my credit score and reputation unfairly. 

The following accounts in question : LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC. (TN)

My information was sold to XXXX XXXX, XXXX from the original creditor, Chrysler Capital, without my knowledge. XXXX XXXX harassed me via email between the dates of XX/XX/year> until XX/XX/year> even after our phone conversation of me asking them to cease and desist all forms of communication. They have recently been attempting to collect a debt from me. I am not liable for this debt of {$5500.00} with XXXX XXXX, XXXX. Account Number : XXXX. I do not have a contract with XXXX XXXX, XXXX, they did not provide me with the original purchase agreement as requested.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (TX)

The company XXXX made a claim on my credit again of late payments. 

First they stated on one Credit Report that I was 30 days late. Now they are stating on another that I was current up until XX/XX/XXXX. 
These are two completely differently claims that contradict one another. 
According to my complaint # XXXX they reported inaccurate information and has done so again on another credit agency. 

Furthermore I did not give this company written instructions to report to any agencies In accordance with the Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 states Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

This needs to be removed from my credit report immediately as it is a violation of my rights and as well as inaccurate. 

Thank you
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. All these accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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.
Consumer complaint received 2024-03-15
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: NAVY FEDERAL CREDIT UNION (TX)

Navy federal has violated a few consumers laws in regards to my credit report. I have asked navy federal to vary my address because I have not received any information on my account and they are reporting late. My address is also incorrect in their system. I am currently carrying my first child and I want to move into an apartment I can not get approved bc of the inaccuracies on my consumer report. They have violated 15 USC 1681s-7 ( A ) ( i ), 15 USC 1681a , and 15 USC 1666B . The accounts are also closed accounts.
Consumer complaint received 2024-05-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a XXXX months CD with Bank of America at XXXX % interest. 
When it renewed,, it said it would renew on the same conditions, I assumed that meant interest rate. Instead it renewed at XXXX % interest arte. 
When I tried to close my account early, it charged me {$2.00} penalty when it only gave me {$0.00} interest rate.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.
Consumer complaint received 2018-08-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

I was the co-signer for my son. When he became XXXX ( Navient ) did not discharge his loan so I took over the payments ( I was doing this before because of his illness ). BUT here is the main problem/issue ( s ) : the student loan has a variable rate of 11 % and I have ask many times " why my interest rate has NEVER lowered ( with a variable rate ). Since the time when my son had received the loan in 2008, ( this IS really important ) the prime interest rate had bottomed out but his interest rate never was adjusted. I just called Navient and they said " they said they handle loan modifications '' but when it came to questioning why the variable interest rates never decreased they said " there is nothing they could do. '' This is just wrong and I am being taken advantage of Can you PLEASE HELP?
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX- the payment history and timeliness of your payments are not being reported. This will be the second time I have disputed the reporting of this account not being accurate.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I was affected by the data breach involving Equifax. They are trying to say Im not a class member when I check my name and social and it said I had been affected by the breach.XX/XX/XXXXXX/XX/year> is when they sent me a letter.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received notification from XXXX XX/XX/2024 that my credit score dropped drastically, XXXX points. I reveiwed the information on XXXX and it stated that my student loans had increased. I called XXXX the loan carrier, because I am in an IDR until XX/XX/2024. I am not sure why all of a sudden I would have negative information being posted to the credit bureaus. I have not had anything like this happen in the past with my student loans. I spoke with a representative with XXXX and she stated they don't have any control over what the credit bureaus do with my credit score. I tried to explain it was because of the information XXXX provided them. I filed a disupte with TransUnion. That did not make a difference, in fact I had to call TransUnion a second time because they didn't do anything with my complaint. I called XXXX back XXXX explaining again that the way they are reporting my status is affecting my credit score. Today I received notification from XXXX that my credit score dropped XXXX points due to my student loan has increased. I called XXXX today XXXX and wanted to speak with a supervisor. After spekaing with a representative and being put on hold my call was disconnected. I called XXXX back and spoke with a representative that was going to escalate the issue. I verified with the representaive, being in and IDR should not affect my credit score, my student loans will always be on my credit report, until paid off, but while in IDR that should not affect the score. I was turned down from a local bank for a business loan because of the reporting of my student loan. I have asked over and over that they please check into this issue of incorrect reporting to the credit bureaus. Today is the first time XXXX representaive has sent my information on to someone who has the ability to see what is going on. This has had a negative impact on my situation on trying to open up my business. I have not been able to get lending due to the recent information being provided to all three credit bureaus.
Consumer complaint received 2023-04-25
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: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$9700.00} XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2024-04-03
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. (TN)

So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the information. XXXX XXXX was deleted and now back on after they took it off from the last investigation. Also its a XXXX XXXX  thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.