davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

The student loan was made XX/XX/XXXX for {$45000.00}. I've been paying the loan as scheduled for 10 years. On XX/XX/XXXX I received a statement confirming I paid {$24000.00} and principal satisfied {$11000.00}. but the current balance was {$43000.00}. I call AES for an explanation and was told all the interest was compounded and applied on XX/XX/XXXX. Under this scenario its impossible to repay the loan. I feel the lender, AES, has not applied the interest properly and has misrepresented repayment of the loan. I'm on a 60 day deferment program and would appreciate your assistance.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (MD)

I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. 
I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (CA)

My father needed to cash his check at the US bank location inside of the XXXX 's at Address : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. I was being helped by the manager XXXX XXXX. He asked if we had an account, and we let him know we did not. He asked if we have an account. We told him we did not but his pension through the roofers local allows him to have his checks cashed with no fee and no need for an account. We have been coming to this location and cashed checks before. He again asked if we had an account or wanted one. He said he can not find my father on the system. He started asking for my fathers ' social security number. I told them we will not provide that and he said he has to have that to cash his check. I said that didnt sound true and he should never be asking a senior for his ssn. I told them this was unacceptable and it took a lot to get him ready to go all the way down to the store and not get assistance after doing this for almost the last year with hardly any issues. This is the second time coming to this branch and getting harrassed and mishandled to just get a check cashed with out any fees and having to open a bank account. This branch continues to ask for unneeded info and try and get us to sign up for an account when we do not want to. Since we do not, they make it extremely hard on numerous occasions to cash my fathers pension check. Something needs to be done about this branch and the manager XXXX XXXX. I call the corporate number XXXX to complain. I asked to file a complaint and was not a customer. They placed us on hold for 10 minutes. They got back on and said " we need to pull up a form so you can file your complaint and it will be a few more minutes. ' '' I got placed on hold for another 10 minutes ( 20 mins total ). The agent got on the line and said we need to have someone contact you back. This is 100 % no one cares, no one is going to help and there is nothing anyone is going to do about it. I want action taken as this service all around was pitiful.
Consumer complaint received 2019-12-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (CO)

XXXX has my loan for our car that was totaled in XX/XX/2019. My insurance company and I have been calling weekly over the last two months attempting to get a letter of guarantee to get the loan paid off. XXXX has changed their story every time we call. I was told the letter was sent back in XXXX then it was they needed additional information from the Insurance company which was received on XX/XX/XXXX. Then it was they had the wrong fax number then it was the letter was never created as the total loss department is backed up. Then last week i was told that the total loss department is caught up but mine was overlooked. They can't communication with the Total loss department other than email. There is no way to call them. I have called 1-2 times a week and keep being told i have to wait there is nothing they can do. Multiple emails have been sent by my insurance company and the customer service team to this total loss team, but yet not one of them have been responded too. My husband and I both work and have a XXXX XXXX XXXX. We need 2 cars, we have had a hard time getting another loan as this one is still reflecting on our credit report over 2 months after it's been totaled. We had to get a loan for a new car with a higher than we ever had interest rate and we can't afford to pay three car payments. So now this loan is behind and they are reporting it to our credit when it should have been paid off over two months ago but we are waiting on them. I talked to two supervisors over the phone with customer service who keep telling me i'm XXXX there is nothing they can do as they can only email the total loss team. The stress and time i have put into this totaled car over the last three months is ridiculous. How can a company 's only contact with a department be by email? XXXX is gaining interest and fee on this account by not allowing us to pay it off. But yet i have to continue to take time out of my already busy schedule to call and get told that i have to wait longer. I have been waiting long enough! All the insurance company needs is the letter of guarantee and this loan could be paid off.
Consumer complaint received 2023-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (FL)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; COMENITYCBXXXX XXXXXXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

Viewed this item on my credit report and investigated further. This debt is not mine and is being identified as debt by identity theft or on wrong consumer report. Debt Recovery Solutions is. debt collector. Account Ref # XXXX, Client Account # XXXX, Date ofXXXX XXXX, XXXX  is showing on my credit report. Original date shows as XXXXXXXX XXXX  for the amount of {$1900.00}
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

I have a checking account through JP Morgan Chase that I have had for over 10 years. I had overdraft protection on and am still repeatedly being over drafted and charged very excessive over draft fees. I've complained and asked for this issue to be resolved and the customer service with chase refuses to refund any over draft fees. In a 2 day period I was charged six ( 6 ) separate overdraft fee 's totaling {XXXX}. Three ( 3 ) overdrafts with each being XXXX} was withdrawn from my account on XX/XX/XXXX and than another three ( 3 ) transactions each totaling XXXX each was withdrawn on XX/XX/XXXX. I was also charged on XX/XX/XXXX for 3 separate charges of XXXX} totaling {XXXX}. So in three weeks I've been charged {XXXX. This is extremely ridiculous, I should not be getting charges hundreds of dollars when I had overdraft protection or if I have no money in my account. Why are you taking advantage of your customers. I am sharing this information with all my friends, family, and co-workers and for them to not bank with chase. Excessive overdraft fees, stop taking advantage of people, which is what this institution is doing to people. Will be reposting all of this and want a refund for XXXX} that you are taking from me that I dont even have in my account. Stop already.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX Balance : {$23000.00}, XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (KY)

On XX/XX/2023, I sent a debt validation letter to Debt Recovery Solutions, this letter explicitly requested the agreement between the original creditor that grants the authority to collect the alleged debt, the date of the original delinquency, verification that the debt was assigned or sold to the collector, and proof that they are licensed in my state to collect debt. On XX/XX/2023 XXXX XXXX sent an EMAIL with a copy of the original contract. I responded stating that the following items requested were not validated, in turn I was told to refer to the original email. 

Upon further investigation of the original contract, it is shown that this debt has been Re-aged by the collector. This is illegal due to FCRA Section 623 ( 5 ) ( A ) and I will exercise my rights to have this removed immediately from my credit report.
Consumer complaint received 2022-11-12
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. (TN)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2019-12-18
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-03-01
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX has violated my rights. Or list of inquiries 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 2019-12-23
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. (MT)

THIS IS MY LAST TIME TRYING TO HAVE THIS MATTER CORRECTED BY EQUIFAX. IF THIS FINAL INFORMAL ATTEMPT DOES NOT MAKE EQUIFAX TAKE THE ETHICAL, MORAL, & LEGAL ACTION REQUIRED & MANDATED BY THE FAIR CREDIT REPORTING ACT I WILL, WILL, WILL, ETC GO TO MY LOCAL COURTHOUSE AND FILE A LAWSUIT IN SMALL CLAIMS COURT ( CIVIL DIVISION ) FOR EQUIFAX KNOWINGLY AND WILLINGLY VIOLATING MY RIGHTS GRANTED TO ME BY THE FCRA. I advised EQUIFAX that a unauthorized hard hit inquiry is reflecting on my credit report. I asked EQUIFAX to conduct an investigation and confirm if the hard hit inquiry was authorized by me. Furthermore, if it was determined I authorized the hard hit inquiry to please provide me the name, contact phone number, date of contact, & A COPY OF THE credit application signed and dated by ME. I repeatedly get the same standard response from EQUIFAX ( PLEASE REFER TO THE ATTACHMENT ). EQUIFAX RESPONSE CONFIRMS THIER DERELECTION OF DUTY AND DISREGARDING THE NEGATIVE IMPACT THAT THIS UNAUTHORIZED HARD HIT INQUIRY ON MY CREDIT SCARE & CREDIT WORTHINESS. THE PREVIOUS CFPB COMPLAINT REGARDING THIS MATTER IS COMPLAINT # XXXX. 

Cc : The Honorable XXXX XXXX XXXX County Court House ( Civil Division )
Consumer complaint received 2023-03-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$82.00} XXXX XXXXXXXX {$30.00} XXXX XXXX XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (IL)

Every month starting in XXXX I have received a credit card application from Chase JP Morgan I called and said that this was not a correct address it was an old address for me and that I was not applying for credit in their company 's name I then called XXXX and placed a fraud alert on my account I still received a credit card application the next month so then I therefore went and put a credit freeze on all three credit bureaus I received another credit card application and XXXX I called and said that wasn't me again and I've asked them to ask for identification they refuse I keep telling them this is not me I just received another credit card application data XX/XX/XXXX I wish them to stop making credit card applications in my name
Consumer complaint received 2022-05-30
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: Santander Consumer USA Holdings Inc. (FL)

XXXX XXXX XXXX {$1700.00} ( XXXX ) XXXX XXXX {$1000.00} ( XXXX ) Hard Inquiries XXXX  ( XXXX ) Santander Consumer USAXXXXInquiry ( XXXX ) XXXX XXXX XXXX- Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX-Inquiry ( XXXX )
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CA)

In XXXX of XXXX I refinanced my home to pull out equity to pay off debt. Specifically I had a Hero account for solar electric installation. The Hero account applies the financing of the solar through my taxes. My mortgage has an impound account to pay my taxes and insurance. The refinance was with Loan Depot account number XXXX. Loan Depot has continued to charge my account for the Hero fees ( solar finance ) even though they have received notice of the new bill and they estimated the new tax payments during the escrow phase of the refinance. I have attempted since XX/XX/XXXX to get my impound account charge dropped to the correct amount but have had no success. I have continued to pay for my solar for 8 months even though it was paid off through escrow during the refinance. Loan Depot continually tells me it is under review and it will adjust in the coming statement. I am now being told it will not happen till XX/XX/XXXX. I have no faith that they will actually do this. How can this happen when there is so much review and planning during escrow. 
They also say once the adjustment is made they will return my over payment but without interest. My previous mortgage paid interest on my impound account.
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.