davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have sent my FTC report to them but still, nothing has changed. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. 


XXXX XXXX XXXX XXXX XXXX CA XXXX, DPT EDXXXX XXXX DateOpened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX, DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, DPT ED/XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX , DPT EDXXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX, XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Dates XXXX
Consumer complaint received 2022-09-21
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: Experian Information Solutions Inc. (PA)

ATTN : Dear, XXXX, XXXX, EXPERIAN, my name is XXXX XXXX. I am writing to delete the following information from my life. I am a victim of ID theft. Im in the process of buying a house for me and my children and this is holding me back.The Fair Credit Reporting Act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You have violated my right to privacy which is a direct violation of the FCRA and the Gramm Leach Biley act. I did not consent or authorize for you, or the people listed in the report to use or share my non public information. Please be clear that no consent or authorization is IDENTITY THEFT which I demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transactions or experiences. In result, I am demanding for the following transactions and or experience to be updated in accordance Pursuant to 15 usc 1681c-2 ( a ) you have 4 days from the date of this notice to comply with my demans as set fourth in the context above. This will be my first and final attempt to resolve this issue Sincerely, XXXX XXXX I noticed this problem on XX/XX/XXXX Accounts : Account name : XXXX XXXXXXXX Account number:XXXX Date account was opened : XX/XX/XXXX Account balance : {$430.00} Account name : XXXX XXXX Account numberXXXX Date account was opened : XX/XX/XXXX Account balance : {$470.00} Inquiries : Inquiry name:XXXX  XXXX XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX  Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XX/XX/XXXX Inquiry name : XXXX Date opened : XXXX XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX 

Date opened : XX/XX/XXXX XXXX
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CNG HOLDINGS INC (MI)

I should be eligible for a payment because of my lease with Tempoe I took out in XXXX, as Tempoe has a settlement agreement with CFPB. I contacted Tempoe and told them I have not gotten a letter saying I am eligible for a payment and Tempoe responded that I am not in their system as having a lease or needing to receive a settlement payment. But, according to the terms of the settlement Tempoe has with CFPB I should be eligible and getting a payment -- but Tempoe says I am not getting a payment. I need help getting my payment from the Tempoe settlment. 

I gave Tempoe my information. I opened my pay later contract which I guess was actually a " lease '' in XX/XX/year> through a XXXX XXXX store in XXXX XXXX NC. I provided them with the receipt from XXXX saying Tempoe paid for my item and with emails from Tempoe with my lease number ( Lease ID : XXXX ) concerning my lease and the payments due. MY address at the time was : XXXX XXXX XXXX XXXX NC XXXX, my phone numner was ( XXXX ) XXXX. I have since lived at XXXX XXXX XXXX XXXX MI XXXX and XXXX XXXX XXXX XXXX XXXX, MI XXXX. My current address is XXXX XXXX XXXX XXXX XXXX MI XXXX -- and this is the address my settlement payment will need to be sent to. I gave all of this info to : Tempoe , LLC Redress Matter Administrator c/o XXXX XXXX XXXX XXXX and was told I am not in their system and not eligible for a payment because I am not in their system. I need help getting my settlement payment from tempoe.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

I recived the email from the bank on XXXX XXXX, they said will close my account for no reason, i called them many times they do not give me the reason. But I stiil have over XXXX thousands dollars on account. The bank does not send the check until now.
Consumer complaint received 2022-09-21
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. (NY)

According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purpose. 

Also I was not notified 21 days before the due date. Law 15 usc 1666b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (NJ)

I am submitting this complaint against Experian because I have had it with their nonsense. I have submitted 2 complaints about their unlawful reporting of a bankruptcy on my credit report. Twice they have sent responses saying I am not me AFTER I submitted confirmation that I was sending in my own disputes. I can foresee all of their stalling responses. Bankruptcy is NOT public record, it is private because I deem it to be. They will probably respond that they get the info from a 3rd party which would be false because I am opted out of all 3rd party consumer reporting agencies and have been for years. I also have had contact with the US Bankruptcy court and confirmed they DO NOT provide information to ANY reporting agencies because it is PRIVATE. It sounds to me like Experian committed identity theft but using my information to furnish a report without my permission. Before I pursue legally and seek to be compensated for their violations of the FCRA, which will and can be done before the month is over, I am demanding this damaging private information be removed. If not please expect to be served with a formal complaint. If the response is they can still not allegedly verify me, I will also move forward with a complaint. Enough is enough.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

They freeze my account for suspicious activity over things that are regular purchases then tell me they cant verify me via my phone number which I used to open the account. Once I confirm I make the purchase they will AGAIN lock my card for suspicious activity for using it in the same place this has happened 2 times in the past week. Ive asked for information or if theres another way other than them freezing my ability to use my own money they give me no answers other than its for my protection when all it does is cause me huge issues and embarrassment to have my card declined with no notice only to check emails and see they flagged me again.
Consumer complaint received 2022-12-11
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. (AL)

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Hello, I made an international XXXX transfer from a non-sanctioned XXXX bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), Value date XXXX. The recipient of the money was an American bank CITIBANK N.A. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK N.A ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory.

1 ) They mixed up my name.

2 ) According to the attached letter from XXXXXXXX XXXX, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.
Consumer complaint received 2022-12-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXXXXXX shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with Experian, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (OH)

WE HAVE RECEIVED HUNDREDS OF PHONE MESSAGES ABOUT A DEBT FROM NATIONAL ENTERPRISE XXXX XXXX XXXX XXXX XXXX. 

WHENEVER WE CALL BACK THERE IS NO ONE AT THIS NUMBER TO TAKE CALLS OR LEAVE MESSAGE. 

WE HAVE NO DEBTS THAT ARE NOT PAID TIMELY. WE HAVE FICO SCORES IN THE MID 800 'S AND WE ARE SICK SICK SICK OF THIS ONGOIING NEVERENDING HARRASMENT CALL AFTER CALL AFTER CALL TO XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OR)

My wife and I bought a new bed from Mattress Firm, around XXXX XXXX, with a promotion of 6 years interest free payments. Synchrony is who services this financing. XX/XX/XXXX was when the first payment was due. I set up my payment information/autopay to pay the minimum as dictated by the terms of the agreement. Synchrony, however, deducted the remaining balance, in full, from my checking without my consent in violation of what I set as the payment as per the terms of Mattress Firm 's promotion. 

I discovered this on XX/XX/year> and called Synchrony. They have agreed to refund and send me a check ( 7-10 Business days ) for the overcharged amount for last month. I will be missing a significant amount of money for up to a 5 weeks that never should of been deducted. If I didn't have the funds in my account Synchrony would of caused an Overdraft affecting my credit. This also stresses us fiscally as we set our budget with a certain payment planned for but with such a large amount taken it stresses us making our other financial obligations even temporarily. 

I am a bit concerned, since it seemed as the person who helped me had a script they were following which makes it seems like this might be all to common an occurrence.
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. (MD)

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
XXXX is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Consumer complaint received 2023-11-09
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. (IL)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX account number XXXX
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: EQUIFAX, INC. (MD)

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked XXXX which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
Equifax is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (CT)

I applied for a conventional loan at Wells Fargo Bank and it was pre-approved. 
But, when I made a purchase contract, the loan was denied. Wells Fargo wanted to change a conventional loan to a FHA loan. But I was approved for a conventional loan. 
XXXX, the loan was denied.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (VA)

I got approved for a credit card with concorda credit I sent everything they wanted me to send im and never heard anything back from them and its a hard inquiry on my credit report
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (FL)

FYI : Consumer Financial Protection Bureau XXXX XXXX. XXXX : Navy Federal Credit Union is still violating the CFPA by unfairly restricting consumers electronic access by blocking online functions. I was late paying on my debit card 3 days ; XX/XX/2022 ; and they have blocked my access to pay the bill electronically. They have illegally froze access to my account... an action CFPB ordered NFCU to pay consumers in a class action suit in XXXX and FYI : they are still continuing to ignore
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have items that apparently showing back up on my report that was included in a bankruptcy. and the items that was charged off was paid through another company i asked Transunion which is the credit bureau to remove the items and they refuse to telling me it will remain on until years ahead which to me I'm not being treated fairly. 
XXXX is also another company which is refusing to remove items as well that was included in my bankruptcy these were closed and a letter was sent stating that they had no authority or permission to place my bankruptcy on my file. this is destroying my life i can't move forward with anything because of it. it was gone and years later things pop back up on my credit. These Credit Bureau companies don't know that we as people have rights too. i will continue to pursuit these companies until they are removed.
Consumer complaint received 2018-12-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

I refinanced my student loans in XXXX of 2018. American Education Services was one of the loans that I refinanced. The 3rd party sent a check and there was an overpayment to AES in the amount of {$390.00}. I have yet to receive those funds from AES, it is almost a year. They stated they sent the original check to the 3rd party in XX/XX/2018 ( unlike all other student loan companies, banks, financial servicers who refunded to me directly ). I called in XXXX, XXXX, XXXX and XXXX. I spoke with many representatives and supervisors. Each time I was assured I would receive a call back, as none of the representatives in the customer service area could answer my questions about the address the funds were sent to, how me and my account were referenced on the check, how they knew what address to send the funds too and if the check was cashed ( which I kept receiving varying information ). AES refuses to send the overpayment to me directly, and will only send to the 3rd party who sent them the original check to payoff and close the loan. I believe this practice is a violation of UDAAP ( unfair, deceptive, abusive, acts or practices ), as the 3rd party has stated they never received anything from AES, I have not received the funds and AES appears to not reconcile their records as they have an outstanding check for almost a year. I also believe this is a UDAAP violation, because during one of my many conversations with AES, I was advised the check to the 3rd party included other customers funds as well. I am not the only one this is occuring to. I am willing to bet there are quite a few people out there who have yet received their overpyament from AES. 
Finally after a CFPB complaint in XX/XX/2018, AES stated they re-sent another check to the 3rd party. Still nothing. I need to know where AES mailed the funds, how they referenced me and my account with the 3rd party and if the check has been cashed. If the check has been cashed ( which again the 3rd party has stated they never received anything ) I need a copy of the cashed check and the information above. If the check has not been cashed, I believe the only recourse for AES is to overnight me the overpayment directly.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.