davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I am a victim of identity theft. Someone used my personal identification information and opened a fraudulent account with Discover Bank. I did not authorized anyone to use my information for some purposes. I've tried to fix it with the credit bureaus and with the Discover Bank, but they refused to delete fraudulent account. XXXX credit reporting agency have deleted this fraudulent account, but recently I obtained my credit report with XXXX and discovered that XXXX reinserted Discover Bank account ( partial account no : XXXX ) back to my credit report.
Consumer complaint received 2024-04-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Got a credit loan back in XX/XX/XXXX XXXX XXXX been trying to close this loan ever since the car got stolen from the mechanic shop and got totaled loss from the adjuster now with that being said the vehicle was picked up by the insurance and I havent had the vehicle for over XXXX years now still trying to dispute off my credit. I tried XXXX times already sent letters and still it was revolving on my credit.
Consumer complaint received 2022-12-27
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. (GA)

I am a victim of identity theft. Experian is reporting an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report & I have never made any transaction ( s ) with XXXX  XXXX XXXX  While the burden of proof lies with XXXX XXXX XXXX & Experian, I have issued an Affadavit of Fact & Identity Theft report ( attached ) of which neither XXXX XXXX XXXX nor EXPERIAN have provided rebuttal. If EXPERIAN maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have provided an Affadavit of Fact in rebuttal ( attached ) to be signed by Experian.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

XXXX  and Equifax refuse to unfreeze my credit. I need to apply for credit now, not in 2 week when they get around to compromising data that I have to " snail '' mail to them. 

The fact that I can't get a representative on the phone to work with me is egregious. These companies make money hand over fist and then hold my credit hostage. The federal government needs to severely regulate them. Lastly, the government should make them work together so that a credit unfreeze/freeze would be a SINGLE action, not getting jerked around by 3 different companies!
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (KS)

Chase Credit Cards are charging me for an unauthorized hotel charge that was on file with the hotel for incidentals only. XXXX XXXX was not authorized to charge my card for anything. This was not an incidental charge.
Consumer complaint received 2019-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Tried to resolve with Fed Loan with 8 phone calls and two letters sent. 
Phone complaint ID # XXXX XX/XX/XXXX Complaint ID # XXXX XX/XX/XXXX Complaint No ID # I have received a statement that I am {$14000.00} behind in my payments. This is not true. 
I have in good faith made monthly payments of {$330.00} every month for the last two years. I am on an income repayment plan for the last three years. I have sent in the paperwork each year via mail in XX/XX/XXXX & XX/XX/XXXX in XX/XX/XXXX. In XX/XX/XXXX my salary increased and I was able to fill out the income repayment application online. I have a bank statement that shows payments each month in from XX/XX/XXXX to XX/XX/XXXX each month in the years of XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. In the last year, my salary has increased so my income repayment monthly payment have increased to {$490.00}. I have called the FedLoan number to protest this bill of {$14000.00} There has to be some type of appeal process. I sent in the paperwork, I made every payment. 
I have been working at a XXXX XXXX for eight years. I am also on the public service loan forgiveness program. I made faithful payments for all of XX/XX/XXXX and now I am told that the payments do not count at all - that my default.
Consumer complaint received 2020-01-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

I started applying for a loan modification with my mortgage servicer Nationstar Mortgage dba Mr. Cooper at the end of XXXX. This situation went on for a very long time. In spite of numerous phone calls, faxes, letters, emails I could not get a loan modification application. I contacted Consumer Financial Protection Bureau in early XX/XX/XXXX. With their help the process moved along. I went through the trial loan modification and met all requirements. I have been approved and am waiting to submit the final paperwork. My original monthly mortgage payment was {$1100.00}. My new monthly mortgage payment is {$1100.00}. That is a savings of only {$29.00}. This seems outrageous to me. I feel like I have wasted my time and that this was/is a scam.
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX, I filed a dispute with Equifax regarding my account with my mortgage company, XXXX/XXXX XXXXXXXX, because the account was not showing my recent payments, when in fact I had made them. At that time, the other credit reporting agencies had accurate information in their credit files for this account. Instead of the update being made to the account, shortly thereafter, my mortgage was completely removed from my Equifax credit file. I received no explanation as to why. 

Several months later when I noticed the difference in my credit scores among the three credit reporting agencies, I realized that the major difference was my missing mortgage account in my Equifax file. When I reached out to Equifax to find out how it could be added back, a representative informed me that it was up to the mortgage company to submit my credit file to them to get the account added back to my file. Following that call, I have emailed and called XXXX/XXXX  XXXX to make this request. This requesting and waiting for an answer went on for well over a year. Last week, I finally reached someone in the escalations department of my mortgage company who informed me that they have been routinely submitting my account information to all three credit reporting agencies on a monthly basis, and that I would need to contact Equifax to find out why the account is not showing up in my file. Tonight ( XX/XX/XXXX ), I just hung up the phone with Equifax, and the conversation ended with the representative telling me that I need to talk to my mortgage company to find out why my account is not showing up. 

I am at my wit 's end with this. No one is helping me and it is unfair to keep sending me back and forth when I have no control over the reporting.
Consumer complaint received 2020-03-05
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: Navient Solutions, LLC. (FL)

I have been struggling with Sallie Mae and than Navient since XXXX, its been on my credit report for years and they refuse to remove it. I have never attended college in the past I have been a stay at home mom all XXXX, XXXX, XXXX, XXXX I had all XXXX high risk XXXX and couldnt leave the house I was in and out of the hospital.Navient stated to me loans were signed during those years I was home, Someone used my information to attend these colleges since XXXX and now there are four other colleges coming out in these loans they allowed someone to use my Identity, I have contacted both Department of Education along with Navient they wanted my information to change the correct information on the Applications they have and make it seem like it was me the id they have on file and mines dont match by a digit now and I do not want to give them anymore of my information they are refusing to help remove these on my credit report it shows various dates since XXXX. Loans are over 37,000 and Ive never assisted college I have never been able to attend college because of this and because of my husbands job I got a free scholarship fully paid to attend college therefore no Sallie Mae nor Navient was signed with this scholarship neither and will not give the schools information to them because they will create another fraudulent package against me. They sent me proof of an application where it shows a warehouse address as living and all my families information they also committed fraud and added my parents under a loan in which they have paid because they did not know this was fraud committed.
Consumer complaint received 2024-04-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

The summary of the situation is as follows : There is a debt listed on my credit report with a company XXXX XXXX XXXX attributed to a phone bill with XXXX, amounting to {$1900.00} opened XX/XX/2023. However, assertively this debt is not mine and I never opened an account with XXXX therefore this account should not be associated with my credit report profile. This discrepancy raised concerns so I filed a dispute for potential identity theft or billing errors, prompting the need for further investigation and resolution. It is imperative to take proactive steps to dispute and rectify the erroneous information on my credit report to safeguard your financial reputation and integrity.
Consumer complaint received 2020-06-09
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since early XXXX and still waiting for a response. I will not wait 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 30 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.
Consumer complaint received 2020-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (CA)

On XX/XX/XXXX {$920.00} was deducted and paid to an insurance company out of our escrow account for our home. This was for another property and should have not been deducted from our escrow account. New American Funding refuses to return the money until they get it back from the insurance company. They also recalculated our monthly escrow payment to include this error payment and thus raised our monthly mortgage payment. They claim that they can not correct this until the insurance is resolved. They also will not do an audit to review the escrow account to verify that no other mistakes were made.
Consumer complaint received 2019-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.
Consumer complaint received 2024-04-07
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: AMERICAN EXPRESS COMPANY (CA)

American Express consistently runs ads in both print and visual media. In these ads they claim that XXXX cardholders, who pay an annual fee of {$690.00}, receive a higher level of benefits and priority customer service. Tonight I called the number for XXXX Customer service and received a recording that due to a high number of calls, my wait could be XXXX minutes. I hung up after waiting XXXX minutes, tiring of the awful music. I called back a few hours later and again received a recording stating that my wait would be XXXX minutes. After roughly XXXX minutes the call was answered. I believe that American Express is not truthful in their advertising and should be required to state that paying a {$690.00} annual fee will get you the same XXXX minute wait as any other American Express XXXX. 

When my call was answered the Representative was not able to help me. He placed me on hold and sought guidance. He came back and told me that he would escalate my complaints, but that I would need to call back the next day if I wanted to speak to someone that could help me. 

I have been a cardholder for more than 30 years. I have paid an annual fee every year for more than 30 years, because I believed the representations of American Express. I have used my card consistently, every month for more than 30 years. I feel that American Express should be held accountable for the service they represent they will deliver!
Consumer complaint received 2023-08-18
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Call logs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I did contact CapitalOne Auto finance department to make payment arrangements on the auto loan to get any past due balances caught up. They stopped for two weeks and emails continued. Payment arrangements are being upheld to make sure auto loan is being paid up to current. These calls need to stop. 

Also emails have been sent consistently every day about my auto loan past due.
Contacted them on
Consumer complaint received 2023-05-24
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. (IL)

This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-09
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: AMERICAN EXPRESS COMPANY (CA)

Back in XX/XX/XXXX, I got an alert on my credit report that there has been a hard inquiry placed from XXXX XXXX. I called right away to remove it and they said they placed a fraud alert on my account and it should alert XXXX and XXXX  so they can remove it. I checked back around XXXX XXXX XXXX and XX/XX/XXXX to see the status and they said the same thing, weve placed and fraud alert, it should take 30-90 days. Well, it has been over 90 days and they said wait. My credit report STILL has XXXX XXXX on both XXXX and XXXX. Both credit bureaus said In order to remove it, I need to obtain a hard copy ( letter ) from XXXX XXXX stating that it was not me, and then clothed can remove it once I send that letter off. XXXX XXXX said they cant send the letter. Now Im stuck with an inquiry I NEVER did and my credit score dropped all because of identity theft!! This also goes for American Express. Someone opened an account on XX/XX/XXXX and I did the same procedure back and forth with the credit bureaus and credit card companies. Both American Express and XXXX XXXX said they placed a fraud alert but cant help me with any evidence that I need to show XXXX and XXXX that its not me. I did numerous disputes with XXXX and XXXX but they denied it unless I obtain a letter from the credit card companies stating otherwise. I NEED HELP TO REMOVE THESE INQUIRIES ASAP!!!! Its been since XX/XX/XXXX and its XX/XX/XXXX. No change at all!!!
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK (TX)

In 2017, due to hurricane Harvey a declared natural disaster here in XXXX, Texas, My vehicle was totaled due to extensive water. My insurance company XXXX at the time, had me get a payoff amount from Mechanics Bank Auto ( account # XXXX ). Once received My insurance company paid out the vehicle in full to mechanics bank auto, and the account was closed. After this transaction I never heard from mechanics bank again. I have never received any bill or paperwork that stated that I owe {$81.00} which was later charged off by Mechanics Bank Auto. There is no way mechanics bank should be able to verify that to the credit bureaus and I questioning what investigative means was used to gather such info. The account should be paid in full. After I disputed the info, the creditor placed a derogatory remark on XXXX and XXXX causing my score to drop from an already closed account. So instead of just affecting XXXX I have this issue on all of my credit reports. A closed account should rarely ever change payment status to negative after being closed. This account is 6 years old and has reported inaccurately the entire time. I would like the account removed from my credit reports or corrected to display paid as agreed as the only status
Consumer complaint received 2019-12-18
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS AND UNACCURATELY PLACED INQUIRIES REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-04-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (TX)

Santander is reporting that I am late paying truck not. However, I have not been late.

This creditor has violated my rights 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card and or account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-15
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. (SC)

The account XXXX XXXX account # XXXX has been on my report for 9 years. This account should be aged off but its still reporting
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I noticed some personal information that is being reported on my consumer report that is inaccurate and I want deleted. Per 15 U.S. Code 1681 you must maintain 100 % accuracy and follow the written instructions of the consumer to whom it relates. My consumer report has several non mailable addresses that needs to be deleted and several names that are NOT my name. Please see the attached a dispute letter
Consumer complaint received 2021-11-11
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: SCHOOLSFIRST FEDERAL CREDIT UNION (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late ( XX/XX/XXXX and XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.