davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (TX)

My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. On XX/XX/2020 Is sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the XXXX  security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX/member has no noticeable way to quit the service or stop receiving emails. No FIND on the site. No 'unsubscribe ' on the emails. The only contact info they give is Phone or Mail.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (GA)

I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor LexisNeix, XXXX, XXXX. My information will be erased and all data containing me.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have never had this information and this is inaccurate unless proof and validation, delete immediately as I have took further matters and a class action may soon to come. FCRA prohibits inaccurate Information and must verify through Myself, nor XXXX, XXXX, XXXX. My information will be erased and all data containing me.
Consumer complaint received 2020-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a complaint with CFPB regarding the inclusion of XXXX in the Public Records section of my Trans Union report. In response to that dispute, Trans Union now has two XXXX accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to XXXX and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/2020. The new entries on my credit report, which caused my score to drop XXXX points, are dated XX/XX/2020. I have until the XXXX of XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (LA)

DISCOVER BANK fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). DISCOVER BANK is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In XX/XX/XXXX I had {$140.00} balance on my XXXX XXXX account. The new bill was just added so I decided to pay the past due amount of {$70.00} only. I would be the other {$70.00} next week on payday. 

I was charged for two {$70.00} transactions. Thinking it was a double charge, I filed a dispute to get the duplicate charge. I was given a {$70.00} temporary credit during the investigation In XX/XX/XXXX my dispute was denied. Because I have automatic payments set up with XXXX XXXX, my manual payment triggered the automatic payment to go through as well. I accepted the decision and the {$70.00} provisional credit was removed from my account To this day- XXXX XXXX has not received the {$70.00} funds. I contacted Capital One and filed a rebuttal to the dispute. I provided emails from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX where XXXX XXXX clearly states they have no received the {$70.00} chargeback payment. 

On XX/XX/XXXX Capital One denied my rebuttal stating that this is a valid charge. The merchant doesnt have the money. I don't have the money. I've contacted the dispute department multiple times and to this day Capital One refuses to do anything to resolve this issue
Consumer complaint received 2021-01-06
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. (TX)

On XX/XX/2020 I 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. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I AM IN THE PROCESS OF PURCHASING A HOME AND WAS PROVIDED A FULL COPY OF MY CREDIT REPORT. AFTER VERIFYING MY REPORT, I NOTICED SEVERAL UNRECOGNIZED NEGATIVE ITEMS THAT ARE PREVENTING ME FROM OBTAINING A MORTGAGE. 

I DID SOME RESEARCH ON THE CFPB WEBSITE AND FOLLOWED THE STEPS TO HAVE THESE ACCOUNTS VALIDATE AND/OR DELETED FROM MY REPORT. FOUR MONTH LATER I FIND MYSELF WITH LITTLE TO NO RESPONSE FROM THE BUREAUS. THEY HAVE NOT RESPONDED TO SEVERAL LETTERS I SENT AND HAVE NOT PROVIDED DOCUMENTATION TO CLARIFY/SUPPORT THESE ACCOUNTS. 

I HAVE PROVIDED ALL THE DOCUMENT NEEDED TO PROCESS MY REQUEST WITH NO SUCCESS. PLEASE FIND THESE DOCUMENT ATTACHED TO MY DISPUTE.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (NJ)

I sent a letter asking experian, XXXX and XXXX to investigare my accounts. it has been over 30 days. these consumer reporting agencies are in violation. 

according to 15 usc 1681i-experian, XXXX, and XXXX have 30 days to investigare and send me the results. 
and they also didn't even record the current status of the disputed information which is another violation I have all the evidence attach below.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (NY)

I was notified by my credit monitoring service that I was 30 days past due on my lease payment. The information stated that the month of XXXX was 30 days past due. When I called to ask for the removal of this derogatory information, I was told that US Bank does not remove reported information. 

I called to dispute the late payment and was told they couldn't find it in their system. I explained that I never received information that my payment was late. When I paid my lease in XXXX it was larger than usual, I assumed it was for the following month as well and I paid for both. After US Bank looked through my account, they determined that my payment wasn't made in XXXX, not XXXX. I was never notified that my payment was late. 

I have since disputed the late payment information on my XXXX report. Things have been difficult during this time of COVID-19. My mortgage has a COVID forbearance so that I could continue to pay my other bills. I would like to resolve this matter, enroll in auto-pay, and have this information removed form my credit report. US Bank was not interested in helping a reliable customer.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (IN)

There are numerous transactions from my chase bank accounts - XXXX XXXX and XXXX 's XXXX XXXX  XXXX. Chase will not stop the transactions or reimburse me for the $ and they refuse to close the accounts. Because I have been compromised and my money taken from me for more than a month now, I want to close my cd with no penalty and be reimbursed for the interest on my credit card. 

The people at the XXXX XXXX chase bank are completely inept. At XXXX chase they told me to not come back and would not close the accounts. At XXXX XXXX, I sent a certified letter and they would not even open up a claim.
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # 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 Also, there are a few inquires that shouldn't be on my credit report. 

Following, XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX XXXX XXXX XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal po box XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  XXXX NJ Inquired on XXXX XXXX, XXXX Business Type : Credit XXXX XXXX XXXX XXXX XXXX, XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX
Consumer complaint received 2021-01-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mediation Recovery Center (FL)

I have received multiple mailings ( XXXX, XXXX, XXXX ) from the Mediation Recovery Center out of XXXX, XXXX regarding a " debt I owed to XXXX XXXX. '' They offered that I could pay my {$1600.00} debt with an immediate payment of {$420.00}. When I didn't respond to the letters, they started to call. Almost daily. I answered the phone at one point and the very abrasive man told me of this debt they were trying to recover. When I told him the debt was not mine ( I have NEVER had a loan through XXXX XXXX ), he replied, " So you are disputing it then? '' I told him yes. 

The harassment for a loan that never existed in my name is infuriating. It caused me to pull my credit, just to make sure nothing was out there -- and it's perfectly clear. No outstanding loans, aside from my current mortgage.
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I 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. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

My federal student loans were consolidated in XX/XX/XXXX. I applied for the SAVE plan at the same time. My first loan payment was made via auto debit in XX/XX/XXXX. The second payment was made via auto debit in XX/XX/XXXX. When I logged in to my account XX/XX/XXXX, it showed that I had no payment due and my loan had a {$0.00}. The only records I could see were for my old, unconsolidated loans. Obviously those showed {$0.00} balances because they had all been transferred to a single new loan. That new loan is missing from my account. When I called my servicer, Nelnet, they were not able to locate my consolidated loan. I was told they needed to look into this on their end, but that I was due a refund and no further funds would be withdrawn from my bank account via autodebit until this was sorted out. Funds were withdrawn from my bank account in the amount of my automatic payment on XX/XX/XXXX. In addition to this issue, I have also received a 1098E stating I paid over {$30000.00} in student loan interest last year. I did not pay more than {$2500.00}. I now have a bigger tax issue to sort out. Beyond extreme negligence, this is having a major impact on me financially and causing undue stress.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TN)

Talked to customer service worker about Target red card payment on manage red card. Pay half of payment customer service worker said payment app worked payed other half of payment on app called Target manage Red card. All of this to buy something small keep card from being cancelled. Get notice 3 months later that I'm late. Now have notice on credit history and score fell. I worker on accounts let pay for the card didn't charge late fee said wouldn't be on credit history. Would like charge taken off credit report.
Consumer complaint received 2020-08-18
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. (NY)

My name is XXXX XXXX XXXX and I currently have a loan from my former university XXXX that is and always has been in good standing with XXXX. I continue to get mail from XXXX XXXX who claims they are the lender for the same XXXX loan and have been reporting non payments to the credit bureau negatively affecting my credit. I reached out o FASA who confirmed that the loan in question is in fact in good standing with XXXX. I also filed a dispute with Transunion and have a file # XXXX thus far XXXX XXXX has not responded. Using the account number from them XXXX they claim that XXXX sold them the loan and that they are the new lenders. Again this loan has been under XXXX for a few years and there can not be 2 lenders for 1 loan. XXXX also confirmed that they only have XXXX and has no knowledge of XXXX XXXX and according to their records it appears that XXXX XXXX maybe engaging in fraudulent activities. I do have fraud alerts with all 3 credit bureaus.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

On XX/XX/2024, I called Care Credit to find out why, despite paying {$100.00} every month when the minimum payment was only {$62.00}, my balance was not going down. The representative went through my bill and told me that the interest was {$38.00}, and the 'credit card insurance ' was {$30.00} per month. I asked him what was the 'credit card insurance ' fee as I was never aware of this monthly charge. He said when you get a Care Credit credit card, that is automatically added and that I would have to 'opt out ' to get it removed. 

This was news to me and I was shocked. I had not idea as this was never told to me at all. I would NEVER have agreed to an additional {$30.00} per month for credit card insurance. I thought that was outrageous that they did that. He mentioned he would remove that charge but I should call the company who provides that service and he gave me their number. 

I then called the company and asked what was the name of this company and she said the company name is XXXX XXXX. The rep there mentioned that I 'opted in " for this additional charge and service. I told her that is not what Care Credit just told me as they told me I was automatically enrolled in this and I was to 'opt out ' if I did not want it. 
I said, " how would I know to opt out of this if I had no clue about it in the first place ''. 
So two different stories from each company as to how I was 'enrolled ' in this nonsense credit card insurance. 

I told in NO WAY would I have ever agreed to opt in for type of additional service. Never would I agree to have a {$30.00} dollar per month charge added to my bill which also, drives my interest rate up further. I struggle to pay my monthly bills as it is and in no way would I ever agree to such a charge. She then mentioned I 'checked the box ' on the application. I asked for that proof as I know I would have never opted for that. She told me she would be willing to give me a {$390.00} credit back. I initially said yes and we hung up. Within XXXX minutes, I called back and asked for a full refund as I know I never opted for this service and wanted a full refund. I told her I feels as though I got scammed. 

I had done the math and discovered it was at a minimum of {$1500.00} that I was scammed out of and that did not include the interest rate. This amount would practically pay off the entire amount I owed to Care Credit ( Synchrony Bank ). I also mentioned I was going to report this as it is fishy. They told me they were going to escalate this to see if I would be entitled to a full refund and I should know within 30 days. 

I want to also make consumer finance aware of this as I could only imagine there are several other people like me who do not know the company did this. 

Please note - this is regarding Care Credit card. However, they outsource the 'card insurance ' to a company named XXXX XXXX XXXX 

Sincerely, XXXX XXXX