davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TN)

I spent close to two hours on hold trying to reach Nelnet via phone. Their online FAQs and information portals are useless. they also make claims about recurrent email notifications to maintain updates on applications, statements, issues, etc, but emails are never received.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (PA)

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES 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 2020-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2020 I spoke with an anonymous Employee at Citizens One for my auto loan. 

I was trying to pay my car loan with my credit card. They advised me that was not a service they offered. I asked how to get my loan through another company. They gave me very general information and no direction to keep me with their loan. I was talking to the anonymous employee and they would not give me an ID #, Employee # or any kind of identification to refer back to. They were being very Discreet and evasive. I now have no idea of who I spoke with, what information they have or how to fix the problem.
Consumer complaint received 2022-12-08
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. (GA)

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX
Consumer complaint received 2023-09-11
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. (PA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES 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  I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX Date OpenedXXXX
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Please remove the following unauthorized inquiries from my Experian credit report : XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
Consumer complaint received 2023-09-11
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. (FL)

I am intersted in processing disputes on my credit report to delete an remove all information that is inaccurate on my credit report. this has been a issue ive addressed multiple times an no action has been taken. looking over my credit file ive noticed Alot invalid data that is hindering my credit report. none of the data submitted is correct on any of the credit files. please review an remove the listed items to clear an correct my credit report asap.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC (FL)

XX/XX/2023, our mortgage company, XXXX, sold to XXXX XXXX XXXX LoanCare LLC . I made my payment on XXXX, with the pay by phone option, with XXXX XXXX. After several days of it not clearing my bank account, I called to see what happened. The rep I spoke with said it was returned for NSF, and we were charged a {$25.00} fee. I told her that is incorrect, that the funds are still there waiting to be taken out. She said we will try again and she cancelled the NSF fee. After several days of it not clearing my bank, we received a letter from the company stating the payment didn't go thru. So my husband called them on XX/XX/2023, to see what was going on. The rep he spoke with asked for the checking acct number to verify it. Our checking acct number begins with XXXX zeroes. The rep said that the zeroes should not matter, and he didn't want to try taking the money out again, so my husband put him on a three way call with our bank. The person at our bank explained to the mortgage rep, that yes, the XXXX zeroes needed to put in their system for the money to properly go through. The rep supposedly put in the correct checking acct number at that time. The same rep also told my husband that if this happens again, we may be locked out of our account for 6 months. Also, he told my husband we would be charged a {$25.00} fee. We called the mortgage company back that night and had a very long and detailed argument with their rep, who pretty much told us because WE didn't give THEM the correct account number, that it is our fault, and we are responsible for the {$25.00} fee. With us being new customers with them, this is so very disappointing, and the reviews of LoanCare LLC, are so bad and very similar with what we're going through. I asked the rep several times how we could be at fault, with us being new customers, and that they should have made sure to have the correct info. She was persistent in stating it was our fault and that they would not be removing the {$25.00} fee. Please help, if they're doing this to us, how many others are they doing this to??????
Consumer complaint received 2023-07-07
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Adjusters 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account XXXX XXXX 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 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXXXXXX
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

for about a year now I have not been able to pay my bill online where I should be able to .. there is a problem and I tell them they need to fix this .. this is ridiculous that i can not pay my bill as i want to and should be able to..
Consumer complaint received 2023-09-15
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. (TX)

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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reached out to all XXXX credit bureaus : XXXX, XXXX, and TransUnion an regards to hard inquiries and late payments that reported to my credit report UNAUTHORIZED, NO WRITTEN CONSENT an other words NO CONSENT IS IDENTIFY THEFT. I have sent Federal Trade Commission ( FTC ) Identify Theft report via certified mail an order to track its deliverance to each credit bureau because its vital to me to have these items removed from my credit report. I did follow up calls and was given false information from XXXX that they didnt receive the letter but I have proof from tracking the letter. XXXX only removed selected items and TransUnion refusing to remove items.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MA)

Hello my name is XXXX XXXX I am trying to buy a house and I realize that I have damages on my credit report. According to the 15 usc 1681 law, there should not be any damages on my credit report. Is a defamation to my character. I have reached out to all the companies and they are giving me the run around so Im asking please can cfpb help me with this problem
Consumer complaint received 2022-12-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have called Credit Acceptance and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX XXXX. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both Credit Acceptance and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that Credit Acceptance was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2024, I noticed an unauthorized ACH on one of my checking accounts with Chase Bank on XX/XX/2024. This account is one that I rarely use. It was established for my XXXX XXXX income to be deposited in and I paid myself out of it. I have not sold XXXX XXXX in a couple of years, so it has been used very little. So, I do NOT give out the information for the account as there is NO reason to. The account ends in XXXX and the XXXX was signed by a XXXX or XXXX XXXX ( information from the bank ) and the transfer went to a XXXX XXXX Credit Card. 

I tried to call Chase 's XXXX # and they told me I had to fill out a fraud form. They advised that they would send it to me in XXXX business days, and I had up until the XXXX day from the date of the call to get the form back to them or they would not be able to help me. To date it has NEVER come to me. 

Concerned that that would be the case, I immediately went to the local branch where I refused to leave until I was given the form to sign. The Branch Vice President was able to print it after several hours of calls, and she told me she had personally faxed it to the fraud department and I had nothing to worry about. I reached out to the branch on XX/XX/2024 for an update. The called me and advised they had requested the Escalation Department look into the delay. 

Today I received a call from the bank XXXXs Escalation Department saying they couldn't help me because I had never sent back the form. Lie! I was told repeatedly that the person working my case via the Escalation Department was going on vacation next week which I found totally irrelevant to my case. So, again, I went to the local branch. The Vice President reiterated that she had sent the form and resent it 3 times again today. She contacted the fraud department who repeatedly said they did not get it. I asked her to get a manager on the phone. We were connected to " XXXX '' who asked me what I wanted. I told him I wanted my money back. He went on to saying " I '' had never sent back the form. I told him that was a ABSOLUTE LIE and proceeded to tell him what had happened and his response was " EXACTLY WHO DO YOU THINK YOU ARE? '' I still do not have my money. AND all this occurred almost 2 months from the day I had called the local branch asking if I should be worried about my money or if there was anything " I '' could do to keep it safer given all the XXXX crime. I was told Chase had some of the BEST security and I had nothing to worry about.