davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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. (WA)

I have already reached out to XXXX 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!
Consumer complaint received 2022-10-18
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: AmerAssist A/R Solutions, Inc. (CA)

In accordance with the Fair Credit Report Act Amerassist AR Solutions Account # XXXX and XXXX XXXX XXXX account # 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.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (TX)

I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Consumer complaint received 2023-11-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

1. MOHELAXXXX did not count my temporary waiver application by saying I was not full time and another time saying I was in forbearance which my lender in XXXX told me to take instead of XXXX which would have counted my low payments since I made 60-65 % of a salary as a resident. The dates I applied were XX/XX/XXXX. That should have given me 12 more payments since graduating PT school I would have started right away knowing the benefit. 

2. MOHELA did not save the update I put in for my payments for auto debit and I had to do manual 5 days late realizing their error and tried to update but said it would take 10 days to update direct withdrawal. Odd since all my banks can process new accounts1-5 business days. 

3. MOHELA changed my payments multiple times which made no sense and no info on how my loans for undergrad and grad would be calculated to adjust for the SAVE program. 

I have called multiple times, but as a PT in a nonprofit I can not wait more than 45 minutes on hold, even though once I did for 1.25 minutes on hold.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On Thursday, XX/XX/XXXX, my fianc and I went to a Chase Bank location in XXXX, WA to deposit a check issued to him from XXXX XXXX and endorsed over to me for the amount of {$27000.00}. After around 2 weeks, Chase froze all of the funds in my checking account including the above check and is currently in the process of closing my account as they believe the check is fraudulent. After speaking to Chase on 3 separate occasions on XX/XX/XXXX and XX/XX/XXXX, the only way they will release the funds to me or back to my fianc is by calling a verified phone number. When they run his phone number in their system, it does not verify. They also refuse to release the funds to him or me in person with government issued IDs as well. We have also called XXXX XXXX to see if they can claw the funds back, but are unable to as Chase has now froze them. We need this money as soon as possible and the other money that was in my account to pay for my education and Chase is making this impossible. Please help!
Consumer complaint received 2022-10-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (GA)

I used my car title to borrow in XXXX from One Main Financial. This was for XXXX yrs. I recently paid them off ( XX/XX/XXXX ) they posted the check they got, released the XXXXien and sent to Dept of Rev for which I have received a title. 
Problem is this : I took out a 2nd lien on my home to pay off my debts thru XXXX XXXX. XXXX sent One Main {$3600.00} which was an overpayment in itself. They have refused to return the excess. 
My bal in XXXX was {$3400.00}, I paid {$200.00} early XXXX which was late and should have included a late pymt amt of {$10.00}. I didn't pay the fee because i knew they were getting the payoff check. So, my bal for XXXX should be at least {$3300.00} when the principal and interest was applied. 
I was paying ins for just in case I lost my job or was laid off, that was upfront fee.They took the {$3600.00}, charged an extra prin and int ( XXXX before applying the amt they got ) instead of applying the total amount to the bal due.They didn't give back the excess insurance amt but placed an additional charge again in order to use up the XXXX XXXX sent. I called and the mgr. was defensive still have not heard from them from XX/XX/XXXX.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Consumer complaint received 2024-03-08
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. (NJ)

Recently I had a chance to check out my credit report & noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. its my understanding that you will investigate these items listed. Here is the accounts I am asking you to verity accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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: JPMORGAN CHASE & CO. (CT)

Hi, JP Morgan Chase owes me a points refund in Ultimate reward points for airline tickets I had purchased and the flight was canceled. In the past 1 month, I have called the credit card services at Chase 3 times now and spent over an hour on each call explaining what the issue is. Every time I was told it will be resolved in XXXX hours but it has not been resolved yet. 

I have an email ( attached with the complaint ) from the last agents stating : " We have sent a request to have the XXXX points to be manually adjusted to your VISA card XXXX. In addition, we also requested a one-time courtesy compensation of XXXX goodwill points to be adjusted to the card mentioned above. '' I am not sure how many more times am I supposed to reach out to the bank after receiving confirmation from three different agents that they owe me the points. 

Any help from CFPB in this matter is greatly appreciated. 
Thank you!
Consumer complaint received 2023-08-10
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. (FL)

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXX XXXX XXXX : {$3900.00}
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: 950 Credit Inc (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXX regarding their failure to report an account that was verified to them by Credit Rent Boost. Despite providing all necessary documentation, XXXX is refusing to include this verified account on my credit report, insisting on the inclusion of an outdated address where I no longer reside. 

The reporting of this account is critical for my financial profile, and its absence is having adverse effects on my credit standing. Despite my diligent efforts to address this matter with XXXX, they have not taken appropriate action to remedy the situation. 

I have attached XXXX 's response to my complaint, despite submitting all required documents as per their request. 

I urge the CFPB to intervene and compel XXXX to immediately report the verified account to my credit report without any further delay or unwarranted demands. It is imperative for the accuracy and completeness of my credit history. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to resolve this issue promptly.
Consumer complaint received 2023-08-09
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)

company is currently reporting a negative listing to the XXXX major credit bureaus ( Experian, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate
Consumer complaint received 2021-02-23
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. (AL)

THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.
Consumer complaint received 2022-10-18
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Consumer complaint received 2022-10-18
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. (OH)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX C & amp ; XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$410.00} : XX/XX/XXXX US DEPT OF EDUCATION REPORTED BALANCE {$230.00} : XX/XX/XXXX XXXX LOAN SERVICES REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX DEPT OF ED / XXXX REPORTED BALANCE {$0.00} : XX/XX/XXXX XXXX XXXX REPORTED BALANCE {$25000.00} : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} : XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions.
Consumer complaint received 2023-08-10
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Creditors customer service representative.
Consumer complaint received 2022-10-18
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. (WA)

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Consumer complaint received 2022-10-23
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. (GA)

I believe my personal information was breached and I noticed a few inquiries on my credit profile and asked Transunion to delete them but the inquiries are still on my credit profile. Please delete these fraudulent inquiries from my credit profile. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVE. XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-10-18
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. (GA)

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. 

Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX Number # XXXX, Account name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account XXXX # XXXX, and XXXX XXXX XXXX XXXX Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NJ)

I have a Chase Marriott credit card. There was an interest free balance transfer promotion that I participated in earlier this year. I recently realized that Chase is charging me interest on new purchases as I have been using the card, even though I have been paying those new charges in full each month. A phone rep recently explained to me that the only way to avoid those interest charges is to not use the card. While I suspect this was disclosed somehow, someway, there should no question in anyone 's mind that Chase knows people will unwittingly start incurring interest charges on new purchases paid in full. The balance transfer ( for which the consumer pays a fee ) is nothing more than a way to charge interest at 20.99 % when there would otherwise be no interest paid.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CO)

On XX/XX/XXXX Flagstar Bank sent me an escrow analysis which indicated a negative balance of {$1100.00} and an overall shortage of {$3800.00}. The shortage was due to my mortgage transferring to Flagstar in which they failed to verify if my homeowners insurance had already been paid by the prior servicer. In that time, Flagstar received a bill from my insurance provider and they paid the amount, effectively double paying the premium in XX/XX/XXXX in the amount of {$3400.00}. As such, we were now expected to have our mortgage payment increase by {$320.00} monthly effective XX/XX/XXXX to cure the shortage created by Flagstars errors in boarding and escrow management.

I contacted Flagstar to resolve the matter and they said I needed to resolve it with the insurance provider. I asked for a complaint to be noted and stated Id file one with the CFPB. I did not receive the required complaint notifications as required under RESPA. Further, the agents on the phone were unaware of who the CFPB was, which puts into question the qualifications of the companys staff to properly service escrow accounts in accordance with their regulatory obligations.
Consumer complaint received 2023-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}