davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was no sub category for this issue so this is probably in the wrong category. My Transunion credit score dropped 90 points in one day ( yesterday ). All of my open accounts are in good standing. My credit usage was reduced. All my open accounts are paid on time. My collections balance was reduced and yet this cause my credit score to drop by 90 points? I want Transunion to logically explain to me how my credit score can drop by 90 points when there is no new derogatory information that has been added. All my open accounts have been paid on time. My credit usage has reduced from last month. I have no new open accounts. I have no new credit inquiries. How is it possible that my credit score dropped by 90 points when my credit usage has been reduced from last month, my open accounts are all paid on time and in good standing, my collections balance has been reduced from last months balance. I have had nothing but positive things on my credit report and yet my credit score drops by 90 points. Not likely.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (OH)

I XXXX XXXX resident at XXXX XXXX XXXX XXXX XXXX OH XXXX has a Southwest Rapid Rewards Visa Signature card received through Chase Bank and has XXXX rapid rewards points, I want to redeem it for Gift Cards but since last one month I am trying but they say our site is for maintenance even after a month they could not install their site please help me do that I will be able to redeem my points XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Email : - XXXX Phone XXXX
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have currently paid off the credit card debt that I owe to XXXX  XXXX XXXX due to a misunderstanding in my family. I still receive calls from debt collectors over a debt I do not owe anymore and it is still a blemish in my credit report. These debt collectors have been calling me since XXXX of this year and I have been receiving calls from 3 different companies : XXXX  XXXX, Portfolio Recovery, and XXXX XXXX XXXX. I have not answered any of their attempts at contact due to understanding my rights and knowing that as of this point my debts are in good standing now. According to what my credit report has said I owe up to {$2600.00} to portfolio recovery, {$710.00} to XXXX   XXXX, and {$930.00} to XXXX XXXX  XXXX  which is not close to the amount of debt I previously owed.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my Credit Score not increasing and the Balance shown is Greater than what I owe. Contacted the Company several times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan. 

Spoke to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX 

She informed that the matter has been reported to the XXXXXXXX XXXX and she would call me back when she hears back from them, approx. in XXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX XXXX but never received any response till date. 

Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX 

Call was transferred to the XXXXXXXX XXXX and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.
Consumer complaint received 2020-03-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in reference to CFPB complaint XXXX that was sent to Transunion regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Transunion stated that they were unable to locate a credit file for me which is not true because I have my Transunion credit report downloaded and will attach it to this complaint. I believe that Transunion is sending generic responses and not investigating, or Transunion removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Transunion report. If there is no information on my credit profile then Transunion will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my SSN. Update my credit report immediately : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX  ) XXXX
Consumer complaint received 2020-03-30
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: CREDIT ACCEPTANCE CORPORATION (TX)

In XX/XX/XXXX, I filed Chapter XXXX bankruptcy. As a result, I was allowed to maintain possession of my assets which included a vehicle financed through Credit Acceptance. The payment agreement for the bankruptcy was wage garnishment, but unfortunately I was laid off due to medical reasons and I could no longer maintain the payments so my bankruptcy was dismissed. Shortly thereafter, Credit Acceptance began pursuing me for payments. I explained that the vehicle was broken, it had been towed and I was not able to pay so I offered to voluntarily surrender the vehicle which Credit Acceptance declined so the vehicle remained in tow storage which accumulated more debt. 

As you can see Credit Acceptance failed to properly report the loan to the three bureaus at the time the loan was acquired in XXXX. It wasnt until XX/XX/XXXX that they began reporting the vehicle as 120 days late, XX/XX/XXXX - XX/XX/XXXX it was reported 90 days, XX/XX/XXXX - XX/XX/XXXX 90 days late and finally in XX/XX/XXXX it was reported as a collection account. The conflicting and erroneous information during this time frame was date of last activity was reported as XX/XX/XXXX to XXXX   and XX/XX/XXXX to XXXX. No date was provided to XXXX. However, the opening date was reported as XXXX XX/XX/XXXX to XXXX, but it was reported as XXXX XX/XX/XXXX to XXXX  and XXXX. 

Considering this, I started an investigation disputing inaccurate information begin reported for the account. Neither verification nor validation documents were provided. Instead, the account was permanently removed from XXXX. It was also removed from XXXX and XXXX, but returned a short time later without any form of communication from Credit Acceptance. I continued to dispute the account through XXXX, but I still did not receive any correspondence from Credit Acceptance. Once again, the account was deleted from XXXX and XXXX, but returned this time as a charge off. It is no longer being reported to XXXX. 

More recently out of nowhere on XXXX XX/XX/XXXX the comments were updated from collection account affected by natural disaster Chapter XXXX bankruptcy dismissed fixed rate to collection account auto Chapter XXXX bankruptcy dismissed fixed rate. This vehicle was never affected in a natural disaster. Additionally, after being contacted by XXXX  XXXX  in reference to verifying the account as charged off, Credit Acceptance changed the status of the account from Closed, Charge Off, Collection to Open 120 days late XX/XX/XXXX - XX/XX/XXXX. Today my credit report was updated and Credit Acceptance conveniently changed the account again this time only with XXXX  to show 90 days late XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (IL)

My account is currently in settlement. I have made my payments as agreed to since XXXX. Covid-19 hits and my family is having some hardships with income. Discover Card has indicated they have nothing in place to help extend out the 11 month requirement leaving me to pay my settlement in full by XXXX. I am hoping to only need a couple month extension and am trying my best to pay off the settlement so I don't lose what I have paid so far. They indicated that this isn't a problem with Discover but with CFPB as they have not addressed allowing them to do this. In times like these I think this needs to be addressed ASAP so we don't lose the agreement we have made. For those of us who are trying to pay off our debts, I am asking that there be some flexibility as we all go through this crisis and have to prepare for job losses, potential furloughs etc. I was able to make a {$500.00} payment today but that just increases the monthly payment I have to make by XXXX. Please consider looking at this issue as I know I am not the only one out there having it.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX
Consumer complaint received 2020-03-30
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. (IN)

This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and  demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.
Consumer complaint received 2020-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (UT)

I am a participant in the Public Service Loan Forgiveness Program and my federal direct loans are serviced through myfedloan.org. MyFedLoan.org is currently distributing faulty information about the CARES Act and how borrowers can receive qualifying payments through the recently passed forbearance period recently passed by Congress. I have tried contacting them with no response received.

This is what their website currently states : " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan The time spent on the emergency administrative forbearance will not count toward your required payment count. '' This is incorrect according to multiple sources and the Consumer Financial Protection Bureau Website. The website upon which that information is housed is here : https : //myfedloan.org/borrowers/covid
Consumer complaint received 2021-10-17
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed belong to a family member but I myself never resided at the following addresses : XXXX XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX  XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX CT XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX  XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX. 
I found incorrect spellings of my name on my credit file. My name is spelled XXXX XXXX XXXX please remove any other spelling or variations of my name they are not correct.
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

I am a low income minority customer. I went to XXXX XXXX XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX  XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with Santander Bank XXXX Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out Santander is in on the whole scheme. Santander 's business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. Santander is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and Santander are engaging in abusive harmful practices. The CFPB must act and shut Santander down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.
Consumer complaint received 2021-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hello, Beginning back in 2009 I received student and parent plus loans for my XXXX children to attend college. I was told the loans could be consolidated into one low monthly payment eventually and was encouraged to take out more money each year to cover cost of tuition and housing. The loans were then consolidated into one loan with a servicer called Navient. The total amount due at the time was about {$60000.00} dollars. I was told the payment was going to be well over {$600.00} dollars a month. I explained that was not something I could afford with all of my other monthly bills and asked if I could pay half that amount each month. I was told that if I paid less than the monthly amount that they set Up of {$600.00} I would go into default and they could have my wages garnished. I had no choice to defer my loans and then they charged me each year {$4000.00} for deferment cost. I would call back often to try to come up with a reasonable payment and get myself on top of this with no avail. When my loans finally got transferred to the department of education I hired an independent company to get me a reasonable payment and sign me up for the PSFL program that was available. I began making reasonable payments and then Covid hit and I was unable to pay but the loans were not due at this time. I feel Navient was unreasonable and defrauded me and now my loan has grown to over {$130000.00}. I have been a public service worker for over 25 years and if I had been able to pay the reasonable monthly payments all of my loan would have been paid off by now. I am asking that Navient clear all of the remaining balance of my loans.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX has reported on my account, collection agency ARS added a derogatory remark on my credit report per XXXX XXXX  and XXXX. Upon, further research, this account was transferred/sold and I was not provided with any documentation of proof that I am responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ARS has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2020-03-30
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: CITIBANK, N.A. (MI)

I am trying to get approved for a mortgage. Citibank is reporting on XXXX   my ex-husbands credit card. XXXX  and XXXX  do not have it on their report. It was supposed to be removed about a year ago, I do not have the exact date. We have both tried to get it fixed and Citibank has hung up on me and basically told me too bad. I have our divorce decree and it states I am not responsible for his debt. All I need is a letter from Citibank stating I was removed, however they wont give that to either of us. I would like this resolved sooner than later or I might end up homeless as I cant even get approved for an apartment with the score this is making me have.
Consumer complaint received 2020-03-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

knight adjustment bureau has been dishonest in court about my case i have requested proof of fees in my auto contract, and he has not provided none such. I got my case dismissed by Judge XXXX from 3rd district court in XXXX, Utah. XXXX XXXX XXXX from knight adjustment Bureau has requested for the case to be re opened without sending me a copy of the court date. I want to file a complaint that XXXX XXXX. XXXX has made false claims and misrepresentation.
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my wife. We are in the process of closing on a home and because of this our credit score is being affected.
Consumer complaint received 2021-10-18
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. (WA)

Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

XXXX XXXX recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.