davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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. (SC)

I submitted a complaint about Experian, which is pending : XXXX regarding Experian intentionally falsely stating that an account from Credit One is open and {$470.00} is owed when that account was paid and closed at my request. They did so intentionally because the last status from Credit One occurred on XX/XX/2021, yet I disputed 3 times since then, providing even my credit card statement showing no balance owed and no available credit at all because the account is closed, on XX/XX/2021. I reported to you that Experian took that Statement and XX/XX/2021 dispute, FROM ME, and used it to fraudulently update my report as open and still owing {$470.00} as of XX/XX/2021, while attributing that report to XXXX XXXX XXXX response to my dispute when in fact it could only have been attributed to my uploading of my statement on that same date. 

So I submitted a complaint to you, which remains pending. In the interim, yesterday, Experian notified me that they updated OTHER CREDIT CARD statuses on my report and today you notify me that they continue here to claim they need additional time to " investigate '' my complaint. So I went to review my Experian report and Experian has SECRETLY, without INFORMING ME OF ANY REVISION OF MY XXXX XXXXXXXX REPORTING, changed the report again to state that the account is open and still owing {$470.00} as of XX/XX/2021 instead of XX/XX/2021. 

This means they unraveled the second fraud of intentionally misreporting the debt based on the Creditor 's verification of the amount owed while it was really based on my upload of a credit card statement showing NO AMOUNT DUE. But it also proves that XXXX XXXXXXXX has AT NO TIME responded to affirm that there is ANY AMOUNT DUE in response to any investigation by Experian of the three disputes I have submitted for this credit reporting line since early XXXX. 

Therefore it can only mean that Experian has been lying to me this entire time in reporting TO ME numerous times that XXXX XXXXXXXX has repeatedly responded to Experian with proof affirming three times since early XXXX that I owe this debt. I do not in fact owe this debt and XXXX XXXX has never said any such thing. They simply have not reported the account closed and paid yet. Experian simply is lying about doing ANY INVESTIGATION WHATSOEVER. I do hope you will hold them accountable under the law for this FRAUD. 
Look at my report, XXXX XXXX has not reported this account in any status since XX/XX/XXXX, yet Experian has " resolved this dispute '' to affirm the debt three times since XX/XX/XXXX! Outrageous.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I closed my checking account with Bank of America on XX/XX/2019, however, I still have a credit card with them open. 

After closing the checking account, it has become impossible to make further payments on my credit card through the desktop online interface. 

I attempted to call them, only to deal with a profoundly incompetent IVR system that would not actually connect me to a human.
Consumer complaint received 2021-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

2010 I filed bankruptcy and completed school at which time these loans were serviced by Sallie Mae then turned over to Navient. Since 2010 Navient has continued to defer my payments by computer. I never spoke with anyone to review repayment options since I've been employed in the social service sector since prior to 2010 until today. Navient has caused this issue because they failed to educate, explain and make suggestions based on finances. In turn they continued to let my account accumulate tax and fee totaling o er XXXX, I only make XXXX with two children. Since the pandemic I've been out of work and have a child in college its difficult and I worry. This shouldn't be especially since I've been employed all along.
Consumer complaint received 2022-03-24
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: Fidelity National Information Services, Inc. (FNIS) (TX)

i was a victim of identity theft, and filed a dispute to Chex- systems to get information form one account ( XXXX XXXX XXXX XXXX deleted due to account being opened by fraud, they have failed to delete it and this information id affecting my availability to get financial resources that i need
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (FL)

I sent a letter to equifax that arrived per certified mail on XX/XX/21 concerning validation of debt. I never received a response from equifax.Ive attached a comply of the letter as well which clearly shows this letter was notarized and included a copy of my id and social. Its been over 30 days and Im requesting removal of this account from my credit report
Consumer complaint received 2021-03-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC. (NY)

I received a text message from Robinhood that a bank account has been added to my robinhood account however I do not have an account with them. The text message was legitimate because it said I should report it to them by sending an email to XXXX, which is the same email account that they provide on their website. I sent an email and have yet to hear back. They do not have any telephone number where I can call to speak to anyone. Disgraceful that they are not taking this seriously. Would appreciate your assistance as I have no recourse whatsoever being a consumer and not having an account with them.
Consumer complaint received 2021-03-19
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. (VA)

Experian Credit Bureau is not displaying My first name properly which is causing problem in getting my actual credit report. I have uploaded my identity proof documents several times in last one year and sent hard copies of the documents 2 times in Since XXXX. 
They are saying, their database does not support my first name as " XXXX '' that's why they can't fix it. 
Fyi, I am getting my credit report from other 2 credit bureau with the same name without any issue. 
I am suffering for Experian 's reluctance in fixing their issue. 
I need a solution for it as I feel like I was not treated fairly.
Consumer complaint received 2021-04-20
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. (PA)

i have submitted challeges of account on my credit report to transunion, XXXX and XXXX ... .all 3 say that this account is verified as reporting 100 % accurately ... .how is this possible? i have tried to challenge this account with the " original creditor '' ( XXXX XXXX ) each time they are being returned by the XXXX stating that the address for XXXX is unknow ... .I am mailing this to the address that is provided to me on my credit report for this creditor from the 3 credit bureaus..attached is proof ... how are they conducting proper investigations and coming back as verified if the 3 bureaus are providing an inaccurate address for this " creditor '' ... this is a violation delete this account now
Consumer complaint received 2022-03-24
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: SLM CORPORATION (AZ)

YOU BROKE THE LAW!!!! 



I am reaching out to you for a second time, about my consumer rights that have been violated. I recently looked at my consumer report and i seen that you guys reported things to the reporting agencies, in puruant to 15 usc 1681 ( 1 ) the banking system is depoended upon fair and accurate credit reporting. Accuracy in XXXX law dictionary means the meausre of value, and that would only be referring to the consumer which is me defined in chapter 41, on top of that in pursuant to 15 usc 1681a ( 2 ) ( B ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 



Truth in lending defines a credit card as any card, plate, or coupon book used to obtain money or services, this is a violation against the FCRA you guys also never had permission to furnish my information with consumer reporting agencies in pursuant to 15 USC 1681B you must have my written consent or court jursidiction in which neither were recieved. You guys have already been credited hence why every month you send a positive balance, i granted you guys the right to extend credit. The loan arised from my credit as you guys accessed my trust and the loan arised, I am not a borrower only a lender the most high himself states it in scripture. You guys have broken federal law and i am demandiung deltion and a response within 20 days.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX is complaint. 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 fraud.
Consumer complaint received 2021-03-19
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)

The following credit bureaus ( Transunion and XXXX ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, XXXX and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 XXXX XXXX XXXX account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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 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.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MD)

I am on XXXX XXXX orders with the XXXX XXXX. On XXXX XXXX, I booked a hotel through Chase Rewards Travel, itinerary XXXX, for XXXX ( {$150.00} ), for my significant other to attend my XXXX graduation at XXXX XXXX  XXXX, XXXX ( XXXX ), on XXXX XXXX. On XXXX XXXX, I learned that all travel to or from XXXX was prohibited by my commanding officer, which will prevent me or my significant other from using the hotel reservation. The commanding officer 's letter is attached. I would like to cancel my reservation. Unfortunately, I have attempted to contact Chase travel more than a dozen times between XXXX XXXX, always unsuccessfully. I have never reached a person before the automated system hung up on me. I have called and XXXX   Chase support, but have been told there is no recourse besides contacting travel -- which, again, I have been unable to do. I have paid for annual travel protections with Chase, but Chase is not honoring my payment for these protections.
Consumer complaint received 2019-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Credit Services (IN)

I recently checked my credit report and noticed a fraudulent unauthorized charge on my account reporting from GENERAL CREDIT SERVICES XXXX, IN XXXX. They claim to report it from a doctor service however, when I contacted the original merchant they have no knowledge of this account or the creditor services and I do not owe this debt that is reporting to my personal credit report.
Consumer complaint received 2020-03-14
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. (CA)

Account was fraud, see police report. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX show negative comments from victim of identity theft/Fraud, etc. Including each bureaus i.e. XXXX XXXX, XXXX, and Experian.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

Used ultimate rewards program to purchase flight. In light of travel ban, need to cancel flight, but unable to cancel through Banks online system and required to call in. When call in, can not reach a representative ( have been on hold for over 3 hours at times ) ; have tried multiple times. Have reached out on XXXX and banks support XXXX  feed is filled with stories of waiting 6, 7, even 8 hours without success.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to formally dispute and request the removal of incorrect information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I have recently reviewed my credit report and found several inaccuracies that need to be addressed promptly. 

Specifically, I am requesting the removal of all outdated addresses except for my current address. The incorrect information on my credit report is causing significant harm to my credit score and financial reputation, and I kindly ask for your immediate attention to this matter. 

Details of the incorrect information that need to be removed : Old addresses that are no longer associated with my current residence. 
Any other outdated or erroneous information that does not accurately reflect my credit history. 
Enclosed with this letter are copies of documents that support my current address and identity, such as a utility bill, driver 's license, or lease agreement. Please use these documents to update my information accordingly. 

According to the FCRA, you are required to investigate this dispute and correct any inaccuracies within 30 days of receiving this letter. I request that you provide me with a written confirmation once the corrections have been made to my credit report. 

Please note that failure to comply with the FCRA 's guidelines may result in legal action, including but not limited to monetary damages. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the corrected information.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from Santander Asking to collect a debt. Because of this I placed a call to Santander to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. Santander failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( 3 ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to Santander and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. Santander has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by Santander and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with Santander 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with Santander will dramatically ruin your credit.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

In XX/XX/XXXX, XXXX  ( twice ), XXXX, XXXX, Wakefield Associates, a collection agency, thus far all reported negative entries on my credit report for non-payment of {$330.00} service date XX/XX/XXXX on behalf of XXXX XXXX ( XXXX ) XXXX, formerly XXXX XXXX XXXX. I contacted on XX/XX/XXXX XXXX, who had the wrong address and phone number for my account, therefore, none of the correspondence was ever received. They should have known this when the mail was returned and I was not at that phone number. When I received a credit alert for this on XX/XX/XXXX, I immediately contacted XXXX ( XXXX ) XXXX for an invoice copy, and they stated that they would put a temporary insurance hold for collections ; however, this obviously did not happen. My insurance completed the claim with a {$50.00} balance, which I have since paid. I have a copy of the statement and {$50.00} receipt and would appreciate my credit report be updated to expunge all of this item from my report. The collections agency, Wakefield Associates, advised that they could not do this. 
I can be reached at ( XXXX ) XXXX or XXXX. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MD XXXX