davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (MI)

Hello Ally bank has repossessed the car after me explaining the federal law that governs them. Me filing a 1099a and 1099c with the IRS with my taxes the illegal took a XXXX down payment and this morning I get ready for work they sent someone to illegal come on my property and take my car. These federal laws must be upheld. And they broke them. THANK YOU XXXX XXXX
Consumer complaint received 2023-09-15
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MI)

I attended XXXX XXXX XXXX ( XXXX, MI ) XXXX. In that time I was convinced to take out high interest unsubsidized loans to pay for my education through Sallie Mae. Since then XXXX XXXX XXXX has closed. Navient has canceled the loans of some borrowers that attended XXXX. I was not one of those borrowers. 

My loans serviced by Navient : XXXXXXXX XXXX XXXX Disbursement Date : XX/XX/XXXX Original Principal : {$11000.00} Interest Rate : XXXX XXXX ( variable ) Total Accrued Interest : {$21000.00} Repayment Start Date : XX/XX/XXXX End Date : XX/XX/XXXX ( PAID IN FULL ) XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$6000.00} Interest Rate : XXXX XXXX ( variable ) Current Balance : {$10000.00} Total Accrued Interest : {$30000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$3600.00} Interest Rate : XXXX XXXX  ( variable ) Current Balance : {$5800.00} Total Accrued Interest : {$17000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment The Navient website does not show the total amount I have paid since the loans were disburse or when Navient became the owner/servicer of the loans. I can estimate that I have paid the original principal of these loans multiple times over.
Consumer complaint received 2023-07-03
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: Army and Air Force Exchange Service (NC)

In accordance with the fair credit reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the fair Credit Reporting Act XXXX Account # XXXX opened XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to current or delete account immediately. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I was supposed to be paid wages by direct deposit to my account at Chase ( Acct XXXX XXXX, checking ) XX/XX/XXXX. Chase Branch XXXX XXXX XXXX XXXX, XXXX XXXX, NY. Phone XXXX. My wages are not in my account ( as of today XX/XX/XXXX ) XXXX has provided a receipt, which is attached. Chase has no record of the funds and will not do anything to determine where these funds have gone. I was originally told by Chase help line that they simply would not help me and it was not their problem- I needed to pursue XXXX XXXX I did- and XXXX provided a voucher number for the transfer. I provided the voucher number to the Help line, which refused to help. I called the branch and was told to go to XXXX. I explained that I had and XXXX gave me a voucher number. The Branch Manager said that I would receive a call reporting the results of investigation from the " Escalation Team ''. 

I followed up with XXXX ( XXXX XXXX XXXX, XXXX, NJ XXXX. Ph XXXX email XXXX ) who is refusing to talk to me saying it isn't their problem. 

I have followed with both entities who are telling me it is not their problem. I really would like to get my wages. Someone has my money- just not me.
Consumer complaint received 2022-10-25
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. (IL)

Hi I am submitting this XXXX XXXX isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-25
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. (IN)

I applied for an car I was told they would only pull from XXXX now I have XXXX inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Commonwealth Financial Systems, Inc. (MA)

I had interviewed for a role with an XXXX services firm, who was providing support for a XXXX  client. I would have been working on supporting a XXXX  environment and related applications. I was subject to several background checks, as well as a credit check. I noted on the authorization for the credit check that I am currently in dispute with my mortgage lender. 

I was told to provide a statement explaining my mortgage delinquency, as the company had a policy that any delinquency over {$5000.00} required manual review by one of the financial company executives. Despite having documentation to support my statement, I was verbally told several days later that I was ineligible for the job solely because of the delinquency, and I have not received anything in the way of an adverse action notice.
Consumer complaint received 2022-12-12
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-26
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. (OH)

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name # XXXX, Account name #, Account name # XXXX XXXX  XXXX XXXX name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years. 


15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Consumer complaint received 2022-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I believe several laws were broken under the FCRA by these companies and this has caused me financial injury as well as defamation and character. It is affecting me getting a job, applying for credit can't even get a XXXX loan especially during the XXXX XXXX pandemic.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX acct # XXXX **** 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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-26
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. (NY)

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 any 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 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
Consumer complaint received 2023-12-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

XXXX being improperly notifed by rules in Bank Secrecy Act of 1970, also known as the Currency and Foreign Transactions Reporting Act, is a U.S. law requiring financial institutions in the United States to assist U.S. government agencies in detecting and preventing money laundering the ( improper practices ) of activates of my accounts at JPMORGAN CHASE BANK, N.A Member FDIC online. I contacted there fraud department at toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to acknowledge any resolution to a negative balance or access information of the fraud active and to educate there live agent of banking secrecy act of 1970 which is noted in there filing system I contacted the from my cell ( XXXX ) XXXX also to act in good faith of settling account in equitable entitlement of XXXX XXXX XXXX XXXX XXXX XXXX Account certificate Beneficiary demand of bills 12 CFR Part 1026 - Truth in Lending ( Regulation Z )
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

On XX/XX/XXXX, I received a text messaging from USPS but it turned out to be a fraud. It said that I have a mail in USPS and they needed to resend the mail. I was waiting for a mail from my company so I didn't specious that was actually a scam. I clicked on the URL in the texting, and entered a USPS-like website to enter my address and credit card information. I didn't know that was a fraud because the web page looked like the same website as the real USPS one. 
On XX/XX/XXXX, I received a text from Discover, which is my credit card company, saying that I had 2 transactions made from XXXX by the fraud. At that moment, I realized that the text I received on XXXX was a fraud. So I called Discover right away to report this fraud and ask them to stop my credit card. Meanwhile, I asked Discover to dispute these 2 fraudulent transactions. 
On XX/XX/XXXX, there were another 2 transactions made from XXXX by the fraud, but I didn't notice because I didn't receive any text notifications from Discover. 
On XX/XX/XXXX, there was another 1 transaction made from XXXX by the fraud, and I called Discover to ask why this was still happening after I made the first call on XX/XX/XXXX. But they mentioned their system was down, so they can't access my account to do any actions. 
On XX/XX/XXXX, I called Discover again, but it was too late to prevent another 2 fraud transactions from happening ( so there were 7 fraud transactions in total ). On this call, they just realized that they didn't cease online payment ( those frauds were done by XXXXXXXX XXXX which wasn't from my device. I only have XXXXXXXX XXXX  ). Due to Discover 's mistake, I lost $ XXXX. 
On XX/XX/XXXX, after 2-month of communication with Discover on those 7 fraud transaction disputes, Discover still considered those fraud transactions valid. However, Discover made really wrong decisions and terrible investigations. First, those fraudulent transactions were made in XXXX, but I had my XXXX traveling document to prove that during those transactions were happening, I was in the USA. Second, the signatures on the receipts that the XXXX merchandise provided were obviously not my signatures. Third, those fraudulent transactions were made by XXXXXXXX XXXX  which wasn't my device ; I always use XXXX XXXX Discover found a specious device but didn't ask me for verification. In sum, those fraudulent transactions were obviously not done by me. I have called Discover lots of times to talk about those disputes and provided my document that was authorized by the US Customs and Border Protection that I was in the US from XX/XX/XXXX to XX/XX/XXXX. 
Because of the disappointing investigation results by Discover and their mistakes, I have to report my case to CFPB to protect my right.
Consumer complaint received 2024-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (VA)

Thanks in advance for taking the time to hear about my situation. In XX/XX/2023 I purchased XXXX from a company called XXXX XXXX XXXX and got on a monthly payment plan for the treatment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did the treatment and to my surprise they were right because afterwards it definitely XXXX XXXX XXXX The one thing they didn't mention on the front end is how after the treatment your teeth is constantly trying to shift backwards to being misaligned again. Because of this retainers are a must to prevent this from happening and in the faq page they mention that retainers must used in some way, shape, or form for the rest of your life to maintain your smile. I only had one pair of retainers which suppose to last 6 months. XXXX XXXX  went bankrupt and I have no access to retainers or any kind of treatment from that company anymore. The payment process for the treatment was through another company called Healthcare Finance Direct ( hfd for short ) who claimed I still had to pay for the treatment in full because the treatment was completed. But even though it was " completed '' in 4 months because a retainer is needed to maintain the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And since XXXX XXXX  can't offer anymore retainers the treatment will be undone so I think its unfair to continue to pay for a service they promised to be lifetime guarantee but now is completely gone. HFD says I must keep making payments or they will send my debt into collections affecting my credit score which is something I also think is unfair.
Consumer complaint received 2023-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-10-25
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. (NC)

Hello, I sent letters to the three national reporting agencies, XXXX, XXXX, and TransUnion regarding incorrect personal information and accounts. Not only are my names incorrect, but there are very concerning accounts whom of which I have no connection with on these credit reports. This is causing many issues and hardships in my life. With the rising prices in rentals, I am finidng myself needing to secure my own home and this is holding me back. 

Starting on or around XX/XX/2022, I sent each of these agencies letters and included documentation to show proof of who I am which was the new Real ID through the DMV and proof if address. TransUnion responded saying they would not move forward because they did not believe it was me. XXXX and XXXX totally ignored the letters and I received zero feedback.