davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-02
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 XXXX 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 DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX 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 DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX 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 DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY (PA)

My checks were altered do to mail fraud .td bank made me wait for 4 months and then sent letter refusing to refund money. The police have report. This is genuine fraud which is no fault of mine. This is serious matter and has happened to many other people. XXXX cam supply letters and copy of my altered checks. Police even said its fraud. This is a disgrace that td bank makes there customers suffer when this is clearly there problem for excepting and cashing 2 checks. I appreciate anything thar can be done.i again would be happy to supply my info and copies of bank report. I am genuinely being ripped off by td bank and being taken advantage of. Thank you for your attention.
Consumer complaint received 2020-06-08
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: TD BANK US HOLDING COMPANY (NY)

XXXX reported an account that does not belong to me on my personal report. Consumer ID XXXX TD BANK XXXX XXXX XXXX XXXX, ME XXXX Date of Reporting XX/XX/2016 Acct # XXXX charge off amount {$240.00}
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I asked several times over the years for Experian, XXXX credit reporting agency for some kind of proof that this bankruptcy from : ( us bkpt XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Collection Services, LLC (TX)

during the time period between XX/XX/XXXX and XX/XX/XXXX I was out of the country. I spoke with the Auto insurance informing them the changes to the policy at the time when I left the XXXX and please place my policy on pause. 
I believe at some point progressive auto insurance canceled the policy I don't know why. if you're billing me for months that I was not a customer I don't understand why I should pay if I decide to change insurance companies at any point, and I should not be billed for months that I was not covered by your company for auto insurance
Consumer complaint received 2020-04-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TX)

Due to the recent COVID19 impacts I reached out to Shellpoint/NewRez for assistance with my mortgage and was advised I was only able to be given a forbearance plan which would not help in my current situation. I asked for a deferment which would move the payments to the end of the loan and allow me to maintain the payments. I asked to speak to a Supervisor on the call and the agent refused to let me speak to a Supervisor. In our current environment this company has not provided the appropriate options to help consumers during this time.
Consumer complaint received 2020-03-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I had loan with credit accetance.. They illegally turned the truck of XXXX XXXX XXXX. Then forced illegal repo.. They falsley made inaccurate and malicious inquiries on my report since XX/XX/XXXX. I have proof of everything and i want this loan cleared off my debt and shown paid in full. Since the illegally repoed it and ruined my credit since. I made 28/32 payments on time until the illegally repoed it. I have contested this as far back as XX/XX/XXXX. Had it taken off my credit. I have proof of this illegal repoesssion and illegall garnishment. 
This is when i said ibam fighting back and going to sue.. Credit Acceptance.. XXXX XXXX XXXX  and XXXX Court for granting these garnishments due to illegal documents and illegal repossesion. 
I have bought all documents that Credit Acceptance submitted to be granted these judgements as well as the transcripts. Where the judge advises me to hirr a lawyer 3 times. 
This has affected my livelyhood since everything is based on credit. From car loans, personal loans and insurance. I have statements for insurance and XXXX  XXXX also my credit union denying me help. And credit statement that states ib have hired XXXX to help dispute and prove this malicious inquires made by XXXX XXXX. I also went back and printed out past history reports that prove thatvcredit acceptance has went back adding false reports to try and cover there XXXX. I have 5 different credit reports. Old and new. Also XXXX  just approved my dispute in XX/XX/XXXX after i called and spoke to a reprensatitve and sent them proof of all this. I also have phone recordings proving why my payments was agreed and pushed back by Credit Acceptance after they sold my car at auction. By XXXX before my terms of getting the truck back. Again illegal actions. Example So XXXX payment was due on XX/XX/XXXX. Now due XX/XX/XXXX. They turned truck off XX/XX/XXXX XXXX XXXX. Sent me repo threats. I have copy.. And spoke to on XX/XX/XXXX made the payment arrangement for XX/XX/XXXX. Since i had to rent a car to work. Because the turned it off XX/XX/XXXX. They repoed the truck before i could make XXXX paymwnt due. XX/XX/XXXX and inwas paying XXXX payment ahead which was not due until XX/XX/XXXX. This is the Illegal repo that i am speaking of and have reciepts for the rental car, statements of truck being shut off and forcing me to miss XXXX BBQ. Then the same day they illegal repo my truck they alrrady posted it on my credit. Stopping me from getting a new car. And lowering my score 67 points to a low XXXX. 

I need someone to call me so i can send you the proof. Here is my number. 
XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As I decided to buy a jet ski for summer fun my sales consultant told me that my credit had to be pulled to see if I was eligible for financing. He pulled my credit and told me I was not accepted for any financing due to several unknown items to my report. I then asked to see my report and there are many derogatory items that I have never applied for in my life. Please remove these fraudulent items from my report.
Consumer complaint received 2020-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AR)

I disputed an account on my XXXX  report called Pro Collect. I have filed identity theft and submitted this account to the federal trade commission yet this company still attempts to collect from me and will not come off my credit report. The original creditor Is XXXX  XXXX  XXXX XXXX XXXX. I have no idea what that is
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of a unauthorized fraudulent wire transfer initiated from my Chase checking account on XX/XX/2022. Chase did not contact/notify me ( via email/phone ) in regards to the legitimacy of the fraudulent wire transfer. Due to the negligent act of Chase not notifying me of any suspicious account activity, I did not discover the fraudulent wire transfer until XX/XX/2022. The fraudster wired the amount of {$15000.00} out of my Chase checking account to a " XXXX XXXX '' who I have no relation with. My Chase checking account was under a joint family account with my father, mother, and sister. All of their accounts also had fraudulent wire transfers initiated by the fraudster but Chase blocked them all. Chase however was negligent with the security of my personal checking account and did not block the fraudulent wire transfer out of my personal checking account, thus resulting in my loss of {$15000.00}. I have filed an official fraud claim with Chase as well as a official police report on XX/XX/2022. I have also XXXX the compromised Chase checking account with a Chase employee and updated new credentials to prevent any further damage on XX/XX/2022. My family also took the same action with their affected Chase accounts as well. Chase bank 's lack of security and negligence caused me to lose {$15000.00}.
Consumer complaint received 2020-04-02
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: LEXISNEXIS (MD)

On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it
Consumer complaint received 2020-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/20 I received a letter from XXXX XXXX  would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and Transunion which continue to state that the bankruptcy is verified and refuse to remove it
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (SC)

On XX/XX/XXXX ( before my payment due date ) I called in to CitiBank to see if they had any available programs in reference to Coronavirus or COVID19. I was transferred around until I landed on an agent that supposedly could help. I explicitly stated that I could pay my regular bill at the time. I was simply calling in to see if they had any deferment programs so that i could save my cash to use for groceries and such. The agent said she understood and offered to defer my payments and cancel my autopay on both of my accounts. I gladly accepted. 

A few days later I received an email that I had missed a payment. I checked my app and was shown that both of my accounts were labelled as past due, with a late fee attached. I called in immediately to rectify the situation. The first agent I spoke with said that there was no program in place, that they had only received communication of possible programs upcoming, and so the previous representative had spoken in error. I requested a supervisor. Again was told that the initial representative was wrong and there was nothing they could do about it. At this point, I was unworried about the deferred payment but the late fee and the impact on my credit score for having 2 accounts showing a missed payment. I have no missed payments on my credit history. I was told by the supervisor that I shouldn't worry about it, a lot of people are going through things right now and they're sure it will all be handled, just give it time. 

On XX/XX/XXXX, the late fee on my Citi DoubleCash card was refunded. I noted on XX/XX/XXXX that the late fee was still showing on my Citi American Airline AAdvantage card. I called in at XXXX and after explaining the situation to the initial rep, was transferred to a supervisor. He told me that they would not remove the late fee and there was nothing he could do about it. I explained again, in detail, the situation that led to the late fee in the first place : That I had the funds to make the payments but was erroneously advised by a representative of CitiBank that my payments were deferred and so was under the false understanding that I did not have to make the payment. He still refused to remove the late fee. 

At this time I am requesting the removal of the late fee and the assurance that the ( 2 ) missed  payments will not show on my credit report as the late payment was due to professional negligence and false information provided by a Citi representative/employee, with me, as the consumer, relying on their expertise to guide my payment decision.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (OK)

On XX/XX/2020, I received a letter dated XX/XX/2020 from Synchrony Bank. This letter states that, My request for credit for a credit program with JCPENNEY, was reviewed and denied because, Existing account with our credit program. 

It is true that I already have an existing account for many years. However, I did not make an application for an account. 

Upon calling for assistance, I was informed that my account had not activity on it. When I states that it seemed as if somebody had my information and used that information to submit a second application, I was told I would be transferred to another department. I was transferred, and then promptly hung up on. 

From my perspective, it seems that my information was fraudulently used to submit an application. Perhaps this is by somebody outside of the bank who has obtained my information, or possibly by a bank employee who is using existing customer information to submit applications and artificially boost their numbers ( like the XXXX XXXX scandal ). Either way, it is unacceptable to me that I have not been given an explanation for what spurred the letter I received.
Consumer complaint received 2023-05-07
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. (PA)

Dear CFPB, I am writing to file a complaint against Experian regarding the expiration of their allotted time to investigate my consumer report. It has been over 30 days since I first requested an investigation, and Experian has failed to provide me with a resolution. This delay is a violation of my rights as a consumer and has caused me significant financial harm and emotional stress. 
Furthermore, I believe that Experian is violating my right to privacy pursuant to XXXX. They have not disclosed the form needed to correct errors in my report, nor have they given me the option to opt in or opt-out. This lack of transparency is unacceptable and has further exacerbated the situation. 
Additionally, I have evidence that Experian falsified documents to close my CFPB complaint case and extend the time they have to investigate. This is a clear violation of my rights and is causing me further harm. 
As a result of Experian 's actions, I have suffered financial loss and emotional and mental stress, which has injured my right to obtain loans. I believe that I should be compensated for these damages.I strongly believe that I should be compensated for all the harm I have suffered due to Experians noncompliance and willful neglect I am requesting that the CFPB investigates this matter thoroughly and takes appropriate action against Experian. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX THIS IS IS NOT TRUE YOU HAVE FALSIFIED YOUR RESPONSE TO CLOSE MY CFPB COMPLAINT!!! ( # XXXX ) Dated : XX/XX/XXXX  Litigation involved STATUS Company responded there is litigation involved on XX/XX/3 THESE ARE TOTALLY NEW ISSUES
Consumer complaint received 2020-04-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (CT)

I received a Letter from XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX. XXXX, GA XXXX. with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : NAVIENTFAMS ID NUMBER XXXXINTEREST {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On a DISPUTED charge of {$51.00} on my Visa Signature Capital One credit card acct. ending # XXXX on statement for period XX/XX/19-XX/XX/19 I withheld payment of that disputed item of {$54.00}. Thereafter C.O.Charged a late fee of {$25.00} on statement for period XX/XX/19-XX/XX/19 and a second late fee of {$38.00} on statement for XX/XX/19-XX/XX/19 in violation of Credit Card Act of 2009, 15 U.S.C 1665d, sec.149.Moreover on XX/XX/19 I mailed C.O. cert.mail r/r/r ( received by C.O. on XX/XX/19 ) factually disputing the charge and requesting all verification as designated in 940 C.M.R. 7.08 ( 2 ), Code of Mass. Regs. To date no response except continue to bill, add interest and furnished disputed amounts to Credit Reporting Bureaus.Previous to said letter had tele.  conversation with C.O. Consumer Service rep. ( On hold for early 15 mins. ) in which rep. stated I was not responsible for disputed amount ; but, I had to call another dept. I said you should call as I have already spent too much time on phone.