davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (LA)

Last month XX/XX/2023, I sent you a dispute letter containing the list of accounts and items that don't belong to me but you seem to be ignoring the letters I sent you. What you sent me is this XXXX response stating it wasn't me who sent you the letter and you people are just wasting time! I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if I don't get a proper response which is what I'm doing right now
Consumer complaint received 2021-03-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing adds an additional payment every XXXX to my account illegally. Now my past due is 3 payments which shows approximately {$2100.00} balance. I have made every payment and not missed a month. Yes, they do have me on the Covid relief program but I still make my payments. This additional add on is illegal.
Consumer complaint received 2022-09-12
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: Experian Information Solutions Inc. (GA)

I originally filed a CFPB complaint on Experian on XX/XX/2022, the complaint number is XXXX. My initial complaint stated that all of my accounts and hard inquiries on my Experian consumer report were placed on there without permissible purpose pursuant to USC151681b ( a ) ( 2 ). I received a letter from Experian about almost a week later stating that certain accounts pertaining to file number # XXXX were already verified in the past by the " XXXX XXXX '' so that they won't do an investigation on those particular items which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I also noticed that when I logged on to my Experian account that they verified 3 additional accounts related to the same file number which was # XXXX. Experian claims to have verified XXXX XXXX  ( XXXX ) on XX/XX/2022. They also claim they validated XXXX XXXX XXXXXXXX that starts with XXXX on XX/XX/2022, and lastly they said that they verified XXXX XXXXXXXX that starts with XXXX on XX/XX/2022. Within a span of 4 days ranging from XX/XX/XXXX through XX/XX/XXXX they claim to have verified the 6 accounts I previously mentioned. According to the 15usc1681i ( 7 ) of the Fair Credit Reporting Act I am entitled to a description of the re-investigation procedure if I request it and they have a 15 days to send it. On XX/XX/2022 Experian received my letter certified mail requesting the description of reinvestigation procedures ( Tracking # XXXX ) and as of today XX/XX/2022 It's been 16 days and i still haven't received a response from them. Since Experian has refused to comply with the FCRA then I would request that the 6 accounts that I mentioned in this complaint be permanently removed from my consumer report immediately. I will attach supporting documentation below which will include the tracking number/original description of reinvestigation procedure request, the original letter experian sent me saying that they refuse to reinvestigation 3 accounts, and pictures from my experian account login claiming that they verified three additional accounts.
Consumer complaint received 2021-06-19
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. (GA)

This complaint is about the consumer reporting agencies ignoring my dispute letters and also violating my consumer protection laws under the United States Code Title 15 Chapter 41. They are reporting that I owe debt. Under the definitions listed under the fair debt collection practices act, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money property insurance or services which are the subject of the transaction are primarily for personal family or household purposes whether or not such obligation has been reduced or judgement. Debt does not mean money according to congress. 
I am the original creditor because I extended to credit to the corporation. Therefore I am the only one who can validate this alleged debt because only the NATURAL PERSON can validate the debt not the corporation because a corporation is a entity not a natural person. So like I said I DO NOT VALIDATE THIS DEBT. 
Due to the fact that they have ignored all of my letters and violated my consumer protection laws under the United States Code Title 15 Chapter 41 I DEMAND THAT THEY DELETE THE ACCOUNTS THAT I HAVE LISTED ON MY LETTER OR I WILL BE SEEKING REMEDY!!
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX has reported my payment status as " Pays As Agreed ''. However, the payment history shows 4 late payments 120 days late. Because of the late payments, the mortgage is reported as a negative account, which greatly impacts my credit score. I 've tried contacting XXXX and discussed the errors on the account. No changes was made. I 've disputed the negative items on my credit report with all XXXX bureaus, and gave supporting documentation ... loan agreement paperwork, historical bank statements, payment schedule agreement, and more. No changes was made. Before I pay for a lawyer, my hope is that CFPB can put some teeth into this matter and get it resolved. This issue is on all XXXX bureaus, XXXX, XXXX, and Transunion.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (KY)

This Started in late XXXX. My wife XXXX XXXX was having money wired from her country with the help of her family to her bank account here in XXXX Kentucky to buy a new house. Everything was going well then the agent that was handling the money transfer 's recommended to my wife that she find another bank account to wire the last XXXX to because of the high bank fees. 

My bank. ( Chase bank happened to have lower bank fees. And I agreed to allow my wife to transfer money to the little used bank account I had at the time. The money started coming in increments and everything seemed to be going as planned Then around XX/XX/XXXX. I noticed from my Chase app that all of the money was seemingly in my account. Then on XX/XX/XXXX I tried to g and withdraw the money but the bank told me that they had a hold on the money that the money never posted to my account. And that they locked the account two days ago. 

I immediately called the fraud department at Chase bank and that was when I learned that someone had tried depositing the money to my account from eight different locations from XXXX XXXX XXXXXXXX and my bank said that they could not verify the source of these checks.. The next few days with the information on the check images provided by my bank and tried to verify the source of the checks myself with the cooperation with the chase fraud department but despite all of this we only managed to verify two of the eight checks.

This lead to me losing my checking account with Chase bank. I also filed a complaint with the Federal Trade Commission on XXXX XXXX but we haven't heard if they made any progress on our case or not. So right now everything is in Limbo and I am unable to open another account with chase. 

EVIDENCE IS AVAILABLE UPON REQUEST.
Consumer complaint received 2023-09-29
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. (DC)

On XX/XX/2023, i disputed and account on my credit report which seems to be there in error. I filed an FTC report and i followed all steps governed to me by federal law 15 U.S.C 1681c-2 a block of information. I sent this letter to the credit bureau with no response. To my understand, once the steps are completed to black erroneous information the bureaus have 4 business days to block this account. XXXX is the tradeline that is current and beyond the 4 days the law allows. I reached out to the CFPB via complaint ID XXXX on XX/XX/2023 asking for additional assistance and still has yet to receive any updates nor responses. Federal Law 15 U.S. Code 1681c-2 states 4 steps need to be completed in order for a company to black information from your profile and as of XX/XX/2023 the credit bureau is in violation of a response within 30 days of receipt of a dispute and also 4 days in responses to a block dispute. Please maintain XXXX percent accurate record keeping as youre governed to do so. Block this inaccurate, and incorrect account from my profile.
Consumer complaint received 2021-03-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX ) Has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as pasted due balance. I do not know this company, I have never done any business with this company. This company does not have a contact with my signature.
Consumer complaint received 2015-06-29
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (CA)

These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.
Consumer complaint received 2024-06-05
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: LEXISNEXIS (CA)

LexisNexis is reporting an alleged bankruptcy on my consumer file I would like the documents or what lever evidence that have to prove that this bankruptcy belongs to me. If no such evidence exists remove this bankruptcy from my consumer file.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

According to my credit report, my student loan account with your institution has been reported as late, which is not accurate. Additionally, my student loans are being reported twice on my credit report, which is also incorrect. 
I want to clarify that my student loans are currently deferred, and there have been no missed or late payments on the account. However, it has come to my attention that the account is being reported twice on my credit report, which is causing confusion and inaccuracies in my credit history. 
I would like to request that the double reporting of my student loan account be corrected as soon as possible. I would also like to request that the account be updated to reflect that it is currently in deferment and there have been no missed or late payments. 


XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (NY)

The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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. (IL)

This account is not my account and Have been trying to dispute it to get it off my credit report and they have yet to fix it. There is a balance on there that is certainly not mine, there is no accurate account number to dispute and I have never been to this place. 

XXXX XXXX XXXX XXXX for XXXXXXXX XXXX  Incomplete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting since - XX/XX/XXXX Last report - XX/XX/XXXX in the amount of - {$120.00} Company contact info - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I wrote letters to Equifax on XX/XX/2023 expressing my concern about 2 accounts that have been reporting inaccurately for the entire year. I provided a copy of my credit report, as well as identification. I have spoken with the lender about my actual balance, yet it is still being reported inaccurately after numerous attempts to dispute the account. I requested to have the accounts removed from my credit report as a part of my rights under the FCRA, as there were a significant amount of inaccuracies, some of which are still being reported. This inaccurate reporting by Equifax is effecting my well-being with being able to purchase a home. Equifax updated some of the account information and now one of the accounts is even more inaccurate. The other still has a significantly higher balance than what is actually owed on the account.
Consumer complaint received 2023-05-17
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: EQUIFAX, INC. (CA)

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX  ( XX/XX/23 ), XXXX XXXX ( XX/XX/23 ), XXXX/XXXXXXXX XXXX ( XX/XX/23 XXXX, & XXXX ( XX/XX/23 )
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; XXXX XXXX XXXX. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where XXXX XXXX XXXX are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Consumer complaint received 2017-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

I have been working on straightening out my finances and figuring out where I can do better in terms of student loan interest rates ( potential re-financing ). I currently have a XXXX loan that I am paying as agreed. This loan was taken out with XXXX University, and as of XXXX, the loan was transferred to Heartland ECSI as the servicer. I can access account details via the website, including monthly payment amounts and breakdowns of how much goes toward principal vs. interest. However, the actual interest rate amount is nowhere to be found via the account dashboard. I accessed the " Live Chat '' option to get this information on XXXX XXXX, XXXX - the interest rate was provided to me without any issues, but when I asked the representative where I could find this information myself on the website, I was told that I would need to basically contact my school for a copy of the promissory note in order to find it. 

Given that they have the ability to provide dollar figures and breakdowns, it should not be any more work or difficulty to provide borrowers with the full account information on the account dashboard. It seems very shady that a simple number that I could figure out myself is not transparently provided, especially as one often needs this type of information for many purposes to be provided directly from the loan servicer or account website. As this is a very basic piece of information for my outstanding student loan amount, Heartland ECSI should not be making us borrowers jump through any hoops to access our own account information. I am attaching a transcript of the live chat where the representative explained the actions that I would need to take in order to find my own student loan interest rate.
Consumer complaint received 2023-01-04
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: Fidelity National Information Services, Inc. (FNIS) (ND)

On XX/XX/2018 I walked into XXXX XXXX XXXXXXXX XXXX XXXX  XXXX to the get a checking and saving account and I felled out the proper papers and went to the atm to get money to put in both accounts and when i walked back in the building I was treated very disrespectfully and the banker stated they could not open up any accounts for me i asked why and they stated that I ChexSystems report came back and it was not good which was funny because i never even heard of ChexSystems and i been banking with XXXX  XXXX XXXX in Arizona for over 15 years and never had an issues. which on the adverse action letter it stated that my ChexSystems score was not high enough to have peoples state XXXX XXXX XXXX to open multiple accounts for me. i spoke to ChexSystems and it took weeks to get my letter from them in the mail and when i got it i had to give them consent to have them send me my own information when i gave they my two forms of id they stated my social was linked to more they one account acutely multiple accounts they fixed the issues on there. I went back into the people 's state XXXX XXXX XXXXXXXX with my new ChexSystems fixed paperwork, and they did not care they looked at me like was less then. Now I have been studying my consumer rights under the Fair Credit Reporting Act and I have learned they violated me and did not compensate me for how i was violated below i will state the UNITED STATES CODES for how i was violated
Consumer complaint received 2023-02-14
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. (FL)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report as soon as possible : 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 2017-03-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

Nissan Motor Acceptance Corporation is refusing to provide a copy of the lien release documentation. The account was paid in full XX/XX/XXXX and as of this date I do not have the proper documentation to be able to get clean title in Colorado. The documentation was sent to the wrong state XXXX and I am now unable to get title to my vehicle in the state in which the vehicle is registered. NMAC has known about our change of address and state change since fall XXXX, but they did not update their records or advise that we needed to do anything different to update the title information.