davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-01
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: LEXISNEXIS (IN)

On XX/XX/XXXX, I received a notice of cancellation from the insurance company providing my Homeowners policy. The reason stated was that they reviewed my claim history from the Comprehensive Loss Underwriting Exchange ( CLUE ) database provided by LexisNexis. The cancellation notice contained a record of a claim for water damage that I did not recognize. On XX/XX/XXXX, I contacted LexisNexis and was told that a new claim for a loss that happened on XX/XX/XXXX was added to the database under my name. After further review, it was clear to the LexisNexis clerk and myself that this was an error since this claim belonged to a person with a similar name but lives in a different state and was insured by XXXX XXXX XXXX XXXX  XXXX which I have never done business with. I filed a dispute to have this record removed and a request for a report of all my records. On XX/XX/XXXX, LexisNexis sent me a letter stating they had verified that their claim information was correct for this dispute. I immediately called and initiated a new dispute but i have to believe that little to no effort by LexisNexis was dedicated to adjudicating this dispute since it is obviously a different person with a different SSN. 

Relative to the report request I made, LexisNexis sent me a letter which I received on XX/XX/XXXX with a URL to access my CLUE information. The number of records in this report and the amount of inaccuracies was stunning. The report has these sections : Identification Records, Address Characteristic Record, Phone Records, Business Association Records, Online Marketing Records, Property Deed Records, Property Assessor Records, Insurance Policy Records, Automobile Insurance Claim Records, Property Insurance Claim Records, and Inquiry Records. Within these sections there were over 65 areas where the information was incorrect and obviously related to other people with a similar name. On XX/XX/XXXX, I called LexisNexis and disputed all approximately 65 inaccuracies. The other cause for grave concern was the amount of Personally Identifiable Information ( PII ) that LexisNexis is exposing when they provide reports intermixed with different individuals information. This report has SSNs, email addresses, cell numbers, addresses ( both past and present ), spouse names, policy numbers, mortgagee, etc. This is extremely sensitive information that should be addressed by CFPB to ensure that LexisNexis implements better protective measures with this information in the future.
Consumer complaint received 2022-12-28
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. (HI)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. INACCURATE INFORMATION has been reported : Account name : # XXXX ( XXXX XXXX ) Monthly Due Date is the XXXX of each month - XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ), XX/XX/XXXX ( Paid on XX/XX/XXXX ) all marked as late when was NOT more than XXXX days late. Statements are attached showing the payments within XXXX days of due date ( Highlighted in yellow ). I have reached out to XXXX XXXX on many occasions who agreed with my findings & stated to reach to credit bureaus. 

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. 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 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Hello, I have disputed with Equifax, XXXX  and XXXX  erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and my family.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I forgot to make my min payment on time this month. I think I paid it late at night after the cut off time. Cut off times are ridiculous in this day and age and I don't know why or how these banks are even getting away with it. i wanted to speak with this bank in regard to this late fee and there is no way to contact them online directly in regard to a question specifically on your credit card. Most have a quick contact us button for this. They do not. You are forced to call in and the phone/automatic system is set up to make your life difficult, forcing you to enter all your personal info and then still asking for an account number!! Then, of course, the hold times are terrible as well during this time. 

I am literally carrying a balance for years that I can not pay down. For the entire first half of 2019 we had experienced a severe hardship when my husband got laid off for over two months. I was awaiting SS XXXX for going on two years at the time. We were terribly backed up on all our bills including our mortgage. I did everything I can to meet our minimum monthly payments and not mar our credit and we barely came through unscathed. This of course caused us to accumulate a lot of interest on all our cards. I did close this account due to the frustration of getting hit with a few late fees during this hard time that i was forced to pay of course. Since then I have made a monthly payment on time, for a long time until this month. 

I think the interest is unreasonable and I would like to request that at least one year interest be waived as well as the current late fee, if I could get through to them! Times are hard right now. People are struggling. I made my payment. I'm sure there are many who aren't even able to do that. I don't think it's fair that I have to pay a late fee and I would like to request a credit on some of the interest. maybe I can finally clear up this account.
Consumer complaint received 2022-12-28
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. (AZ)

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 : Reference # XXXX, Account Name : XXXX XXXX : Account # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2020-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I received a collection on my XXXX  credit report and I tried to dispute it through XXXX  and by contacting the creditor to no avail. 
The Consumer in question is XXXX XXXX/CBE GROUP for {$43.00} and I have no idea what this is for?
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I asked Tansunion, XXXX, and XXXX to verify my bankruptcy in XXXX. They did not verify because the court house does not give out this information for verification and it needs to be deleted from all 3 credit agencies.
Consumer complaint received 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$520.00} XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$2800.00} XXXX XXXX XXXX {$5200.00} XXXX   XXXX {$670.00} XXXX/XXXX XXXX {$410.00} XXXX  XXXX XXXX {$9800.00} XXXX XXXX {$710.00} XXXX/XXXX  XXXX {$450.00} XXXX XXXX   XXXX  XXXX {$22000.00} XXXX  XXXX {$3200.00}
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$0.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX   XXXX {$150.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

I applied for Loan Forgiveness because of my XXXX inhibiting my ability to continue with repayment of the student loans I opened for my daughter 's education. I was told that I was approved for the Loan Forgiveness, only to find out that all they did was remove me from the loan and keep my husband 's name on the loan. Essentially, all they did was take my name off the loan. I was still in the position that I had to repay the loan, which isn't what I was trying to do at all. I needed Complete Loan Forgiveness! To this day, I am still having to pay for the loans that I was told were being Forgiven. 

I did have documents related to this whole process, I may have destroyed them because I was so upset with the final outcome and my inability to get anyone at Navient to return my calls regarding this matter. I will have to see if I kept them and then I would be able to supply them.
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (NY)

So I go to pay my bill on XX/XX/2020. I look on the website and says the {$310.00} payment is due XX/XX/2020. I thought wow GM is giving me a month, how nice of them, so being diligent, I chatted on site and confirmed it. Then being more diligent I messaged via text customer service cause their phone lines werent taking calling, and it was confirmed a second time. Then today I get an email saying Im late. I looked and I owe XXXX.. I called and was told sorry we made a mistake. Dont worry, well waive the late fees. 

I dont have that money anymore, I bought things to stock up on that Im afraid I wont be able to find. They wont budge. They effed up, and wont help. Heartless. 

I have screen shots if this error
Consumer complaint received 2022-08-17
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: NAVY FEDERAL CREDIT UNION (DE)

Im writing to Dispute a Billing Error in the full statement balance of {$14000.00} Reasons as follows : There is no negative amount on this statement. As per 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 



PLEASE NOTE : LETTER HAVE BEEN SENT TO DISPUTE CENTER
Consumer complaint received 2022-12-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Started the process to removal PMI in XXXX, 2022. Paid for an appraisal. Appraiser made several errors on the appraisal and we were denied. We were XXXX away from qualifying for the removal. I contacted Wells Fargo whom told me I can dispute the appraisal due to the errors but I was only allowed one dispute. This was not my error and so only being allowed one dispute makes no sense. In addition when completing the dispute form I had to provide comps which had already been provided by the appraiser weeks prior. I was told that the comps I provided could not be used but I am not familiar with how to do this. The comps that I provided came from my realtor. Ordered another appraisal which came back the same price but was not given a copy of new appraisal which should have included all significant improvements. When questioned Wells Fargo told me the improvements that we submitted were not considered improvements.These included thousands of dollars of improvements that were listed on original inspection when we purchased the home. We are seeking a resolution. We want our PMI removed as we are very close and the representatives of Wells Fargo are of no help as they had never had this happen before. They did not know how to handle this situation.Many consumers XXXX just accept this decision but we do not as there were so many errors and mishandling of our request.
Consumer complaint received 2020-04-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.
Consumer complaint received 2020-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I only authorized XXXX XXXX to pull my credit through the car dealership and they went ahead and had 6 other financial institutions pull my credit without my consent and I specially told them not to do that prior to giving them my personal information and was assured it would not happen and it happened anyways and they lied and tried to excuse it away with phony articles stating even though they send your credit to a million banks it only counts as one inquiry. That is a lie as I have my credit report to prove otherwise. 
Because of this now I can not refinance my house and will be stuck with a higher mortgage payment. 
The only reason I even considered a new truck was because of XXXX  offer of 0 % interest for 84 months and six months no payment and I even told them my score and asked if I would qualify since they know what score is needed to qualify for their deals and they once again lied and said yes. 
I am a single mom and I dont like being lied to and taken advantage of and my credit destroyed due to unethical and sneaky business practices of car dealerships.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (CA)

CMRE collections is wrongfully reporting a collection on my credit for the amount I DON'T OWE. I requested validation of debt and who the original creditor was they have NOT provided any information on that and now threaten to take legal action for this debt which they say was originated in 2014? .... how is this legal CMRE FINANCIAL # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

I had my Bluebird account was closed and the remaining VA pension funds are not being returned.

No one at Bluebird or American Express can help and I am afraid that they are going to keep any money that is scheduled to be deposited there including my Social Security check and the Federal Stimulus check. 



XXXX XXXX XXXX XXXX COPIES OF EMAILS InCommLossPrevention XXXX XX/XX/2020, XXXX XXXX ( 4 days ago ) to me to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I know tht some or all of you will delete this email, but I'm trying everything I can to get my money back. I'm a XXXX XXXX XXXX and a XXXX veteran who needs her money! 

XXXX XXXX Sat, XX/XX/XXXX, XXXX XXXX  ( 4 days ago ) to me I will have someone in my office look into this and get back to you XXXX XXXX XXXX XXXX XXXX ', m sorry tobother you, but no one is addressing what happens to my Social Security check from next week and to the money that Bluebird still has. I can not let this issue just be put away without an explanation of what I did and where my remaining money is. 
XXXX XXXX XXXX XXXX Good afternoon Ms. XXXX, We have reviewed your account and apologize for this inconvenience, however ; per the direction of the Social Security Office and the Inspector General Investigations team your account has been permanently suspended. Please contact the Social Security office for questions and concerns. 

Thank you, InComm Loss Prevention
Consumer complaint received 2022-12-28
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.