davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (CA)

Experian and XXXX are and have been for over 4 years reporting inaccurate payment history of my 'XXXX  '' auto loan. Unfortunately, every time I tell them to delete the account per fair credit reporting law, each reporting agency UPDATES the information and the UPDATES are always still INACCURATE INFORMATION. Experian has me making no payments on XX/XX/XXXX and XX/XX/XXXX and XXXX says I made on time paymentsXXXX and XX/XX/XXXX. When I called XXXX today XX/XX/XXXX, XXXX has no record of me making any payment since XXXX. XXXX will not follow fair credit reporting rules either. There are other inaccuracies that I have disputed with XXXX as well. This account should be deleted per fair reporting act as the history and payment is inaccurate. XXXX XXXX XXXX, XXXX, and Experian refuse to delete and to obey fair credit reporting laws. I have been calling and disputing them for over 4 years to no avail.
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This company portfolio recovery has repeatedly called me, my relatives, and leaves threatening voicemails about locating me and getting in touch with my supervisor they have called several of my relatives stating they know their address and will come to see if Im there.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

XX/XX/22 XXXX  fees of XXXX $ and XXXX $ And XX/XX/22 in the amount of XXXX $ I asked for a refund they werent able to refund it because they say I used too much times to waive the fees
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I have two XXXX loans that are being serviced by Navient, and per their own website these are federal loans. I have been under an XXXX repayment plan since graduation but this is now the second time that I have been kicked out of the XXXX program and had my interest capitalized. I will NEVER pay my loans off at this rate. They are saying that my loans are actually private loans and that they don't qualify for the XXXX pause. They sent me one letter saying my payment was going up a month ago, and then just after that the student loan pause was extended again. And now when I log into the XXXX website, it shows those Navient loans listed and when I go in to fill out the recertification paperwork for the XXXX it says I'm not due to recertify until XXXX. 

I got screwed over once already a few years ago when they rejected my XXXX application and didn't tell me and I only find out when I see a huge charge on my bank account and find I had thousands in interest capitalize.
Consumer complaint received 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NJ)

My vehicle was repossessed in XX/XX/XXXX when I was advised a few days prior to make a payment to keep my account in good standings and I did that. They then repossessed it on a Friday but we picked it back up on a Tuesday morning. I contacted them to pull the recorded phone call in which they declined to do. Its caused an impact to my credit score in which I can not obtain credits or even trade the vehicle in. Ive been unable to work at times due to the vehicle being in the shop such as XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & now again XX/XX/XXXX. Advised this to the financing company even reached out to a lawyer for lemon law to discuss since this vehicle has so many engine issues and if I dont work I dont get paid. They wont help me at all.
Consumer complaint received 2022-10-13
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. (TX)

On XX/XX/2022 I sent 3 letters to each credit bureau requesting that they investigate the seleteced negative accounts on my credit report and properly report the other non-negative accounts since only one bureau was reporting my credit card and a different one was reporting my car loan. They all 3 should be accurately reporting everything, which they are not. I also asked them to update my personal information as my name has been legally changed for over 2 years and they still were not reporting it which caused me to get a fraud alert and denial on an apartment previously. Only XXXX started an investigation but did not provide me with the original contracts that I requested. XXXX did not respond at all. Transunion sent a letter stating they received my letter but not that they were going to begin their investigation so I am unsure if they every did and if they ever finished it or what the results are. Fast forward to XX/XX/2022, I send another letter to all 3 bureaus asking, again, for them to provide me with the original contracts of the selected negative items AND to provide me with details of how they completed their investigation to validating that these contracts are allegedly mine, which they all failed to do. This is my right, as a consumer, to have an accurate and efficiently reported credit report. Due to their negligence, I have now missed out on multiple opportunites that I was presented with due to the inaccuracies on my report. Today is now XX/XX/2022 and I have yet to be given any of the information I requested of XXXX, XXXX, and Transunion.
Consumer complaint received 2022-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Mr. Cooper Group Inc. (VA)

My grandmother recived a reverse morgage thru champion reverse morgage in XXXX ( a line of credit ). She past away in XXXX leaving me as one of tge surviving heirs to tge property i found her reverse payment and filled out the paper work for life rights as such should be grantted. They have since started forclosure on the home. Charged inspection fees for inspections that never occured, have not kept the property properly maintance to the point that i have done and incurred all charges for maintance and major repairs. Includung major leaks, electirical issues and possiable structual damage, charging for insurance priemiums but stating that i must pay preiums but have no home insurace. My home has now been deemed unfit for habtation making me and my family XXXX withoit warning. I have in the past reached out to champion mortage so to adress all issues to no prevail. Only getting ran around told to call one companie to the next. My grandmother never completed the counseling needed and deemed a must to receive the reverse mortage. Also purchased life credit on the loan which in turn would paY the loan off in full in the event of her death. Not to mention the loan was given under false pretences and should have never taken place putting my granfather as the co- borrower ; whom passed long before my grandmother. I belive in XXXX and the loan counselong never taking place Also the home has mold and what i belive is asbestis in the attic. ALONG WITH BEING deemed unfit they are adding taxes on the life of the loan tgat are also being assesed to myself. I am not able at this time to gather the Property paper work due to it beong deemed unfit aNd not having the appropriTe contact information and endless companie run around to recievive permission to enter the premisses. So i therefore am in threat of loosing my home and all belongings including family pictures and airlooms
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

I was on rent relief. I got approved for rent relief and they sent this property XXXX check the property sent the check back to rent relief and now Im finding out I have XXXX on my credit!!! I contacted pdm to let them know this and they laugh. My credit isnt a game I cant move
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/23, Upon reviewing my checking account NO # XXXX Transactions, I noticed 3 transactions in the amount of {$60.00}, {$40.00} and {$40.00} have been charged from my checking account by an unauthorized person then the fraud department filed a fraud investigation. Two days and by XX/XX/23, another amount in the amount of {$750.00} and {$50.00} were again taken from my account by an unauthorized person. Again i contacted the fraud department and they confirmed that they have sent these items to be investigated. I was then told that I will be contacted after 10 business days on their finding and my account will be credited for all the amounts. Then on XX/XX/23, when i contacted the fraud department they told me that they will not be refunding back all the unauthorized amounts. the total unauthorized amounts were {$940.00} The bank then ( Wells Fargo ) told me that due to a 60- Day liability clause. they will not be refunding back the total amount of {$940.00}. I find this incredible and very suspicious to believe so I decided to purse a further investigation in order to get my money refunded. I will gratefully like to hear from you guys. The fraud department phone number is XXXX XXXX FYI too the Ref NO for this investigation by the wells fargo fraud department is XXXX. With this Information i hope you can help me get the truth by talking to wells fargo. my name is XXXX XXXX XXXX and my number is XXXX XXXX XXXX. Please let me hear from you
Consumer complaint received 2023-02-27
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. (FL)

In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2015-11-15
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Financial Solutions, LLC (CA)

Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-04-22
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. (AL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

*XXXX XXXX XXXX XXXXCCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 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 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-14
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2022-04-22
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. (AL)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX Has violated my rights. 

*XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 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 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 or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 2022-04-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (IA)

I purchased a vehicle from an online retailer named XXXX on XX/XX/2022 and financed it through XXXX XXXX XXXX by Chase. It has been 10+ weeks and I have yet to receive my vehicle registration. When I call the customer service line at XXXX I get told someone will call or email me in 2 business days. No one ever calls or emails. The customer service folks are clueless as to what is going on. I have repeatedly asked for a supervisor or anyone that can actually help and each time the representatives tell me they can not transfer me to anyone else. The temporary plates that came with the vehicle are expired and I can not get anyone to answer me regarding my actual registration, vehicle title and permanent plates.The XXXX  DMV has not received any documents from XXXX and they have confirmed they do not have a backlog on registrations. 

I have called XXXX repeatedly and sent over XXXX emails to the representatives with zero resolution. 

I now have a $ XXXX vehicle loan in my name and a vehicle that is registered to no one. I can not drive an unregistered vehicle. Im stuck with {$660.00} a month payment for a vehicle that isnt titled or registered to anyone. XXXX along with XXXX XXXX XXXX by Chase refuse to advise why the vehicle is not registered and/or where the title is. I believe XXXX + XXXX XXXX XXXX by chase deceived me into a financing agreement for a vehicle that they do not have the title for and were not legally able to sell/finance to me. they are offering no resolution for the issue and my repeated requests for their assistance have gone uinanswered.
Consumer complaint received 2018-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I consolidated my student loans with Navient XXXX and I was on a Pay as you Earn repayment plan. There was some issues with my taxes and my wife 's income increased for a short period and was then gone. I had to recertify and went through process and tried to explain that I no longer have the income reflecting. I recently had a number of my loans forgiven due to issues with the XXXX XXXX XXXX and think it has something to do with it. Navient deined my request for an adjustment and have sent me a number different reasons with little to foundation. I am unable to pay these loans and will soon be in default. One of the denial letters states that my loans were opened in 1993 when I was just XXXX XXXX XXXX.
Consumer complaint received 2022-04-22
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. (MI)

TRANSUNION is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America keeps flagging my account for fraudulent activity. Recently I was able to access my online banking after months of not having access to it, a couple weeks went by fine then I they revoked access to me again. Everytime i try to use XXXX or make a bill payment they flag me and its ridiculous. They want me to go in to a financial center but I'm XXXX XXXX XXXX and I'm bed written and can't go around. I need to regain access to my online banking As soon as possible
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you XXXX
Consumer complaint received 2022-04-22
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. (NV)

As far back as XX/XX/2021, I've been writing to XXXX XXXX  for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/XXXX I made a payment to my XXXX capital one credit card. Several days later I get a returned payment with capital one saying that the funds were rejected. I called my bank and they said there should have been no reason for this to happen as I had more than enough know to cover the payment. So I ended up making an additional payment and now the money has been taken out of my bank account and capital one says they have received the payment without issue but because of the returned payment on the XXXX of XXXX they have to hold my money for 8 days. This was not my fault, this was an issue with capital one making a mistake and they refuse to make the balance available because of their mistake earlier in the month. This is not ok.