davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (SC)

Want to file complaint against XXXX, Equifax and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXX during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} XXXX XXXX XXXX XXXX XXXX : # XXXX listed duplicate Inquiries from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX  as a XXXX off as bad XXXX XXXX payments XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I went to my local Chase bank ATM. And deposited XXXX cash. I then receipt a notice saying to call the bank to verify the transaction went thru, which it did not. I tried XXXX another payment immediately after thinking the money was stuck in the machine but it wasnt. So not XXXX is gone. Bills can not get paid. I was transferred to a man in the XXXX who told me he couldnt help me and call back.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

WHERE IS MY REPLACEMENT CHECK FOR THE ONE YOU ILLEGALLY STOPPED PAYMENT ON???? YOU STILL OWE ME THE MONEY PLUS THE {$15.00} MY BANK CHARGED ME FOR YOUR BOGUS CHECK!!!! WHY HAVEN'T I GOTTEN THE EMAIL I REQUESTED???? DO THE ROBOTS NOT KNOW HOW TO TYPE EMAILS???? I DON'T WANT THEM CALLING ME EITHER!!!! SCAMMERS AND THIEVES!!!!!
Consumer complaint received 2017-08-01
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)

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I disputed the fact that I had XXXX XXXX loans in forbearance which XXXX XXXX placed in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, they did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXXand sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of mu Experian and XXXX report for reference.
Consumer complaint received 2023-01-23
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. (TX)

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


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 if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2019-02-08
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: Experian Information Solutions Inc. (VA)

The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from Experian after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX  account was reaffirmed in the Chapter XXXX Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely.

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX  was discharged in the Chapter XXXX Bankruptcy in XX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the Experian dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

My in laws purchased a Vanilla Visa gift card in the amount of {$50.00} at a XXXX XXXX in Florida on XX/XX/2023. They mailed it to me for my birthday. When I tried to use the card in a grocery store, it was declined. I tried several times to find out information online at the Vanilla card website, and each time it would only give me an error message when I tried to look up the card balance. Finally I was able to reach someone on the phone at Vanilla, and was told that the card had already been activated and used by someone else. As the card was sealed inside of its package when I received it, and I still had it in my possession, I couldn't understand how this was possible. Vanilla said I could open a claim by sending them the picture of the front and back of the card, the receipt, and a copy of my driver 's license. They also asked me for my birthdate and address. I provided them all of that except a copy of my driver license as I do not trust them. That was on XX/XX/XXXX. They had me email the information to XXXX. A few days later I received a response from XXXX, asking me again for a picture of the front of the card and the receipt, and so I sent those to them a 2nd time. I have not heard anything from the company since then.
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (GA)

XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019
Consumer complaint received 2019-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

the customer service will not help and take care of the negative inquiries that I did not authorize that is reporting to my account.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

1. Nelnet lied to me and said consolidating my loans would not affect the time that had tolled towards forgiveness under the IDR plans. I have paid on my loans since XXXX and thanks to Nelnet, now they are all reset to be paid on for another 25 years. My loans were going to be forgiven in 13 years before Nelnet illy advised me.

2. Nelnet convinced me to consolidate my loans so that all of my loans would benefit being under the SAVE Plan. Upon consolidation, they reached out once saying my IDR application is in progress. My statements say I owe XXXX dollars a month now and my application status hasnt changed or been updated since XXXX. When you call them, you get someone who tells you to relax and that even though theres no record of your IDR application on Nelnet website, that they are just busy. Keep in mind it takes about 2 hours to talk to someone who has no idea what they are talking about. They are just trying to calm people down, not resolve anything.

3. As it stands, all of my emails about the status of my IDR application have been answered with generic responses that say stuff like : we might place you on an administrative forbearance, so dont pay attention to our emails saying you owe {$2000.00} on XX/XX/XXXX. 

4. Nobody at Nelnet can tell me the status of my IDR application that I submitted in XX/XX/XXXX. Nelnet customer service continues to lie and tell me that once my IDR application is complete, the time that I have paid from my loans for the last 12 years will be taken into consideration, I dont believe this is even possible.

6. Nelnet continues to lie and say that there is no action needed from me at this time all the while, they are assuring me that my IDR application is in progress and they should put me on admin forbearance until the application goes through.

7. At the same time they send me emails that say my payments that arent under any IDR plan, are due.

8. On Nelnets website there is no record of my IDR being in progress. They acknowledge it, and I did submit it. I verified This on the government website.
Consumer complaint received 2023-01-23
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. (TX)

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


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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Consumer complaint received 2019-12-18
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. (GA)

XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc. (VA)

Hello, A company that is coming up on my phone as Argon ( though I think it may be Aargon ) has called repeatedly saying they are attempting to collect a debt. I called back on XXXX XXXX and spoke with a gentleman who asked for additional information to verify that they are speaking to the person they are trying to reach ( even though my phone number brought up the account, he said ). I gave my name but would not give any additional information such as date of birth or address ( I don't give out information to people or firms I am not familiar with ). The man implied I should give him the information and sort it out as the company is calling me " incessantly. '' I called again on XXXX XXXX and spoke to someone who said her name is XXXX. She said that she needed the date of birth information to proceed. They will not tell me what the calls are concerning, so I am not sure if they are legitimate or a scam. I am not aware of any accounts that would seek collection, and I am current on all of my bills, to the best of my knowledge. 

The calls have agitated me, and are causing XXXX. I don't think I deserve to be harassed by a company I have never heard of, perhaps for no reason. Can you help? Thank you. 

The phone number they called from is XXXX. Their website says they are a debt collection agency based in Nevada. Thank you for your help.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I disputed that a credit card that was paid in full after reaching a settlement with the company. Equifax validated the settlement but then added it to my credit report dropping my score 49 points even though this was already on my report. Equifax updated the dates to invalid dates making this appear recent on my credit report when in fact it was already closed and settled. Equifax needs to add the 49 points back to my credit as this seams like they are punishing me for reporting a dispute on my credit account.

This is a predatory retaliation for processing a dispute.
Consumer complaint received 2018-03-02
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. (CO)

XXXX XXXX XXXX has claimed that Account ending in XXXX has been charged off {$4000.00} I have requested that they send me validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. 
Letters were sent on XX/XX/18, XX/XX/18. At the time these credit cards were opened, i had just gone through a Ch.XXXX Bankruptcy and did not open new cards. These cards must have been opened fraudulently and against my name and without my approval.
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

I am filing this complaint to the CFPB in hopes you can help investigate the illegal foreclosure proceedings and Dual Tracking of foreclosure that occurred on my family home on XX/XX/XXXX. 

Our Mortgage with PHH has been foreclosed upon while we were working with PHH on Home Retention options for Loan Assumption/ Loan Modification. Prior to the foreclosure we had been submitting all the required documents they asked and had assured us the foreclosure on our home was all Postponed and that foreclosure would not continue but in XX/XX/XXXX PHH went ahead and still foreclosed on our home while under review. 

Prior to XX/XX/XXXX we had made multiple payments to PHH and brought the loan current leaving no balance owed ( I have attached the Proof of payments Paid to PHH ) but PHH refused to apply the funds to the account and failed to stop the foreclosure. 



After the foreclosure we have been in communication with PHH, XXXX XXXX and their Attorneys XXXX Trustee- The Trustee XXXX has not been helpful and they have stated there job has been completed and for all future communication to reach out to PHH , when we call PHH there is no SPOC assigned and are not able to give us any information, we have tried numerous time to talk with the REO department, Loss Mitigation and have even escalated the issue to a Supervisor with no luck. This loan is a 6 Month redemption period, and the time frame expires XX/XX/XXXX. 



PHH is in violations of Dual Tracking laws of Foreclosure, Negligence and Failure to perform while an account is in active Loss Mitigation review and while they have been accepting payments to the account. 



We hope to have the foreclosure rescinded back to our name so we can continue to work with PHH to resolve this issue. As well if we can get a SPOC assigned to this case, the problem when dealing with PHH we where only able to talk with agents in XXXX that are not licensed and do not understand my problem.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (HI)

Chase Bank is offering a Top Spend Category promotion that is supposed to be available to all Freedom Flex cardholders. I am a Freedom Flex cardholder, but Chase is refusing to honor this promotion. I have attached two screenshots as proof of this offer which is open to everyone holding this particular credit card. I did not see any exclusionary terms and conditions.
Consumer complaint received 2023-03-01
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-08-02
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. (FL)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ), reporting inquiries without my permission, I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-12-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XXXX XXXX, 2021. To date, I haven't received a response to my request.