davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I applied and got my Amex XXXX XXXX in XX/XX/2022, the welcome bonus is earning XXXX Membership Rewards points after $ XXXX in eligible purchases made on the card within the first 6 months of membership. I met the purchase requirement one month after opening the card, but now more than 8 months passed, and I still haven't received the welcome points. I contacted Amex customer service multiple times, however, the Amex representatives showed no intent to solve the problem and did not give me a clear timeline for issuing the points, even though they confirmed my eligibility for the welcome offer.
Consumer complaint received 2017-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

In 1999, we consolidated several student loans with Navient. The TOTAL principal was {$70000.00}. In our application, we applied for a " level payment plan '' and the disclosure statement promised : {$70000.00} in principal to be repaid, and {$50000.00} in interest payments, for a total repayment of {$120000.00}. The term was 180 months or 15 years. All of those documents are attached. Now, we are more than 18 years later and we have paid {$100000.00} in interest ( more than TWICE the disclosure form ) and STILL have a principal balance of {$61000.00}. Meaning, in 18+ years, we have paid {$100000.00} and only reduced the principal by {$9000.00}. As opposed to 15 years total, and {$50000.00} in interest. Navient claims that we entered into a " voluntary forbearance program '' for 24 months and a " graduated repayment plan '' for 6 years. Yet, they did not provide a single document that shows we entered into either program AND THEY DID NOT PROVIDE any disclosures from Navient that updates the disclosures required by law. indeed, the programs they describe STILL do not permit a 19 year plan in which we pay double interest with only a {$9000.00} reduction in principal. If Navient is to be believed, we will be paying off this loan for 200 more years. importantly, while we did sign a promissory note, NOTHING in any disclosures, contracts, applications or agreements from Navient describe a 200 year ( or even a 19 year ) repayment plan, with {$100000.00} in interest against a {$9000.00} principal reduction. I am giving Navient one last chance to resolve this with a substantial principal reduction ( of at least 50 % ) or we will be filing a class action lawsuit. I truly hope this wont be necessary.
Consumer complaint received 2024-03-26
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. (MI)

Recently, I disputed verification of inaccurate accounts reporting on my credit report. I requested a description of the procedure the bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. I have not received any information regarding this information that was requested on XX/XX/year>. I will attached my letter I sent and certification mail receipt
Consumer complaint received 2023-01-11
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)

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (CA)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX CARD XXXX Balance {$5500.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX on XX/XX/2022.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-05-20
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: W&A Intermediate Co., LLC (TX)

WAKEFIELD & ASSOCIATES, INC DEBT COLLECTOR ( XXXX ) RELEASED MY ACCOUNT INFORMATION TO A NOTHER PERSON WITHOUT MY PERMISSION, XXXX SPOKE TO THIS PERSON ABOUT MY ACCOUNT, THE STATUS, AND MY CURRENT LIVING LOCATION THAT WAS SUPPOSED TO BE KEPT PRIVATE FOR THE SAFETY OF ME AND MY DAUGHTER FROM THIS SPECIFIC PERSON THAT HAS THREAT MY AND MY DAUGHTERS LIFE.
Consumer complaint received 2024-03-04
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

There are several things on my consumer report that were the result of identity theft. I sent the consumer reporting agency EXPERIAN an identity theft affidavit. According to 15 U.S. Code 1681c2, these accounts and inquiries should have been blocked from my consumer report. However, they were not. EXPERIAN sent a letter stating this block was an error. It was not. EXPERIAN has violated my consumer rights. According to 15 U.S. Code 1681i EXPERIAN is supposed to delete the disputed items during a full and complete investigation. EXPERIAN violated this federal law. EXPERIAN is still furnishing information without my consent. That is a violation of 15 U.S. Code 1681b. I have never given EXPERIAN permission to furnish anything on my consumer report. 15 U.S. Code 1681n lets me know that any person who willfully fails to comply will be responsible for actual damages up to {$1000.00} per violation. Please note that I will not hesitate to file a suit against EXPERIAN for willfully and knowingly violating my consumer rights if this is not rectified within 30 days.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX  Bankruptcy Case Number : XXXX
Consumer complaint received 2023-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I filed a claim with BOA regarding an event wherein XXXX XXXX charged me {$500.00} for a hair process that I was quoted {$250.00} to {$300.00}, and they ruined my hair, literally damaged my hair with bleach, gave me highlights that I did not agree to. I called BOA and spoke with a lady named XXXX, Claim # XXXX. During our conversation she mentioned " previous claims '' which literally have no bearing upon this claim, and she asked me multiple times " how '' my hair was damaged and I shared the same information twice stating my hair is burnt, and I lost hair on my crown. She was punitive, and insisted I fax supporting documentation rather than upload it, stated that she did not know if I would ever be credited for my dispute. Falsely accused me of not having to pay for my hair to be fixed because it did not show up on my BOA account, and I have other bank accounts, I finally hung up.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX account is reflecting a balance and charge off status again after I previously disputed it and it was previously corrected. Original delinquency date was in XXXX if I even believe this account belongs to me ( which I dont because I have disputed that as well but XXXX has failed to provide me with any documentation in re to that dispute just that this is certified as mine! - no promissory note or anything and I have no records of this loan ), It was included in chapter XXXX bankruptcy in XXXX, it was discharged in XXXX, and has a XXXX  balance. This account does NOT meet any criteria for exception from bankruptcy discharge and it was discharged in XXXX in my bankruptcy. I have attached the documentation again from the bankruptcy trustee supporting this - the amount of the loan is included in the amount that was discharged in the trustee 's account record because this was classified as a non-priority private loan that was above the cost of attendance ( Not a student loan per bankruptcy law ). And again, this has already been disputed multiple times and previously investigated. See attached previous dispute resolution and please update account again to included in bankruptcy with XXXX  balance.
Consumer complaint received 2024-03-04
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. (NC)

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-03-04
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. (NC)

took a look at my credit report and noticed inquires on your report i did not authorize or apply for which violates my consumer rights under 15 USC 1861b ( c ) and i would like these removed because it had a bad impact on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (OH)

Good evening the receipt of this correspondence is for data and legal purposes.

I have continued to communicate with all credit companies about fraudulent Information reported on my consumer credit report. 
Attached to this statement is evidence Data what is open from creditors and commercial companies With law enforcement Confirming missed information on my consumer credit profile.

All of the credit companies have been notified and given several opportunities to Adjust my credit report to reflect accurate information and remove Disputed accounts Some accounts have been removed some of them remain which is against the Is fair credit reporting ACT.

All credit companies have violated permissible Is purpose, Along with 611, 612, 615 and Several other consumer laws.

This notice is evidence, Of a 4th coming lawsuit.

All credit Company served in this suit are responsible for {$100000.00} Conversation to XXXX XXXX XXXX For several consumer violations. 
Everyone notified has 10 days to respond with Appropriate actions, Credit collections or a {$100000.00} payment Failure to respond will result in a executive default.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (MA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In mid XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate.

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Ygrene Energy Fund Inc. (CA)

Ygrene Financial is a Petitory Lender, it's associated Business Company named XXXX XXXX XXXX Authority- It's Representive FORGED my Name on a home improvement Solar Panels Financial Contract without my knowledge and I am the 2nd property owner..

After I read Ygrene 's Attorney letter, most of her statements were untrue. 

I offered a buy out of my half of this property deed for $ XXXX due to Ygrene 's Fraudulent behavior and Forging my name. 

If Ygrene does not negotiate this buy out, then I will have to pursue the Fraud and Forgery of my name. 

I am asking that if CFPB could advise me if Ygrene does not negotiate this buy out. Please see Attachments below.
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2018-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Currently I have approximately 400 K on students under XXXX where I was under IBR payments which was also qualifying PSLF payments since XX/XX/XXXX. 

On XX/XX/XXXX - I received a letter from XXXX informing me that my annual IBR income renewal was coming to review by XX/XX/XXXX where I need to resubmit my annual income certification. I completed that before that date and received a second letter on XX/XX/XXXX informing me that my request to switch from IBR to REPAYE was being processed however they required that I change to standard repayment prior to the switching to REPAYE. This requires a full standard payment which is not affordable to due to my income to debt ratio and thus XXXX places my account into automatic forbearance while the transition to REPAYE occurs. During this time I received a 3rd letter on XX/XX/XXXX indicating that my loan successfully converted to REPAYE with a monthly repayment of XXXX ( this new payment under REPAYE qualifies for PSLF payments ). However when I log into XXXX to submit payments, there are completely different amounts of required payments which I spent 4 -6 hrs over 3 phone calls ( prolonged periods of hold, various transferring to different personal ) and no one was able to verify where these differing amounts and they where coming from and what was accurate vs inaccurate. Every single person that I spoke could not identify the various amounts that is populating as my payments. 

To put into context based on the paper invoice I received a bill of XXXX ( REPAYE calculation based on my income ) but the dashboard when I log in to XXXX was showing 2 different amounts totaling approximately 2,200. Again tried to clarify with various personnel over the phone at XXXX and no one could verify these amounts and how they populated to my account. 

I am concerned because I have been making payments on time and consecutively in order to reach my 120 payment goal for PSLF. By not clarifying this current error in a timely fashion XXXX is forcing me to go into a forbearance and require me to make my monthly payment which wouldn't qualify towards PSLF. This is not acceptable when : A. I submitted my income verification ahead of schedule to appropriately convert from IBR to REPAYE to not miss a payment B. when XXXX forces us into forbearance which interrupts qualifying payments into PSLF. We should be penalized for this when its the errors from XXXX 's side.
Consumer complaint received 2020-12-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (WA)

I noticed on a credit report they were trying to collect on a debt that has pasted the statues of limitations. When I called and informed them, they claimed they didnt know. I discovered today they filed again against my credit lowering my score 17 points, and increasing the debt by XXXX . 

I tried to call again and their phones are disconnected.
Consumer complaint received 2017-04-10
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Resurgent Capital Services L.P. (CO)

I have been getting calls from an alleged old payday loan from several years ago, beyond the time to collect, if it is in fact even mine. I recently requested my credit reports and there is a firm called XXXX Bank that has run my report 9 times in the past year. Although they are an issuer of credit cards, they have never made me an offer. Research shows that they are a part of XXXX, which is a gigantic debt collector and notorious for these sorts of illegal collection tactics. It is obvious that XXXX is violating 15 USC 1681q by wrongfully obtaining my information to have their related firm keep harassing me. As such they should be prosecuted