davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ULRS, Inc. (CA)

Sporadic telephone calls from, United Legal Group, asking several questions. First they ask my name, then read off my address and ask if that's correct, ( which it is ), then ask to verify my social security number. That is where I stop them, asking what this is about. They tell me they can not give me the reason for the call until I complete their verification process. When I refused a few weeks ago ago, on a Friday, the woman said she would call me back Monday to finish ; she got that last part in after I told her I was interested, ending the call. Was out that next Monday, didn't get any call from her. Last Friday, XX/XX/2021, I received a call on my home phone, from XXXX XXXX, her # XXXX, asking for me by first and last name, then reading off my home address, as well as my post office box number, asking which one I use for mail. I refused the answer, asking her what the call was about. She said only after I answered all her questions, would she tell me the nature of the call. I refused to answer her.From there she said she would call back another time. I said, " no you won't, '' and to put me on the DO NOT CALL List. She said there isn't any " do not call list, '' to place me on. I told her good-bye, hanging up. She then called my home number, Wednesday, XX/XX/XXXX, leaving a message to call her back, at XXXX, ext. XXXX. During that same time period, around XXXX PM, she reached on my cell number, as I was at the store shopping. She asked for me by name ; I told her she had the wrong number-hanging up. Blocked her number, the XXXX, on my cell. When I got home, listening to her message, called the XXXX number, with extension, and some man answered. He said if I had a file number he could look up what the matter involved. I have no such number, having never done business with this company. Of course I wasn't going to volunteer any information. At least I got the company name, when calling XXXX.
Consumer complaint received 2021-06-17
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: WELLS FARGO & COMPANY (NJ)

Since the inception of the car loan XX/XX/XXXX, XXXX XXXX XXXX XXXX has failed to report all the payments I made and on time, and I just payed the entire loan off on XX/XX/XXXX, and to date I have not gotten any credit, and they failed to report it to XXXX, XXXX  and XXXX. I have made multiple calls, including communicating to their corporate/office of the president for years, and their answer is " we are working on it ''. 
Last call I made out to them was today and they said that, '' they will look into it and to allow 7-10 business days ''. I will soon be applying for a loan, and credit score and history, especially of a paid off car loan would significantly increase my score which will give me better finance rates. I would appreciate your assistance in this matter. 
Thank you, XXXX XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This showed up on my credit report as a hard inquiry. XXXX/ XXXX . As a inquiry of XX/XX/2020. Cant call the company. Looks like fraud to me. I did not inquire.
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (KS)

XX/XX/2021 I mailed out letters informing XXXX, Equifax and XXXX  of bad information showing up on my credit report. I let them all know this information was wrong and they needed to do a proper investigation these credit bureaus allow these creditors to place this wrongful information on my file they completely ignore me never respond to me. After being completely ignored I sent letters demanding they reply and fix these inaccuracies on my report that was on XX/XX/2021. I even sent them all letters on XX/XX/2021 stating I would report them to the team here at CFPB. They have continued to ignore me I feel like they are trying to ruin my life its just unfair.
Consumer complaint received 2021-06-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (ME)

I financed my hXXXX XXXX  through XXXX XXXX, which was bought by Synchrony Bank. I called on XX/XX/2021 for the payoff to close the loan. I was told at that time, by XXXX, that the payoff amount was {$3500.00}. I sent the check on XX/XX/2021 and mailed it. I asked for a confirmation of the payoff. 
I never received confirmation but on XX/XX/2021 I got a new bill for {$290.00}. I called and talked to XXXX XXXX and was informed that it was interest up to the date of the bill dated XX/XX/2021. 
This is the first correspondence I have received from them since it was paid off in XXXX. 
I should have gotten a confirmation or a bill from them if there was a balance or interest accumulating for 5 months. 
I have asked XXXX to return my calls but she will not. I feel that this credit company takes advantage of people and have no way to defend my credit against them.
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (MO)

Chrysler Capital has illegally repossessed my car. I have received any statements in over a year! I be call and spoke with people and have been making payments every month. I requested a statement of payments and spoke with several people in making my payments. 
In addition Chrysler Capital just allowed me to co sign on another loan through them. They now are saying am 6 moths past due and can not tell me how! The statement I received showed XXXX in late fees.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (PA)

They have been calling my mother, who I don't even live with. They said they will garnish my wages by 25 % and seize all assets. This is from a credit card in 2001, so it is 20 years later that I didn't even remember. File number is XXXX and the account number is XXXX. The amount is {$2800.00}
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX DPT ED/XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. # XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX : XXXX XX/XX/2023 XXXX 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-18
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: Innovis (GA)

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO Experian XXXX XXXX XXXXXXXX XXXX, TX 7XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SS NUMBER ENDING IN XXXX
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX US DEPARTMENT OF EDU US DEPT. OF EDUCATIO Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED USDOE/XXXX  US DEPARTMENT OF EDU US DEPT. OF EDUCATIO
Consumer complaint received 2021-06-17
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record  and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (CA)

I tried to open an account with US bank on XX/XX/20, US bank requested additional information which I provided. I did not hear from them for a while. I tried calling them several times, sending emails, leaving messages and no one ever got back to me.
Consumer complaint received 2021-06-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (AL)

Hello I signed up for a new program with Salllie Mae bc I couldnt afford the expensive monthly payments. They lowered it. Ive paid two out of the 3 months of the probation period. XXXX XXXX & XXXX XXXX They said my loan stays in delinquency until after the 3rd month. I didnt understand this meant they would keep reporting to it to my credit. So they have reported 6 individual loans 2 times to my credit worsening my credit score dramatically when I have paid these past 2 months. ( In the past they have refused to consolidate my loans. ) So I couldnt have prevented this hit to my credit. They said this is federal regulations. This is literally setting people up to fail. ALSO this whole time Sallie Mae is collecting crazy interested on my account because this program doesnt lower my interest rate until after the 3rd month. Basically making it so I dont make any dent in my loans during this two year lower monthly payment program. None of this repayment program is showing live on my Sallie Mae account. I have received one letter about my Payment plan. I only verbally agreed to this payment plan on the phone.