davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I called into DEPT OF ED/NAVIENT in regards to 2 alleged accounts reporting on my XXXX and XXXX consumer reports. 

DEPT OF ED/NAVIENT has no record of the accounts, no original agreement, no documentary evidence of indebtedness, yet still continues to report these fraudulent accounts. 

I demand that DEPT OF ED/NAVIENT cease reporting this inaccurate, unverifiable, and incomplete information. I demand that DEPT OF ED/NAVIENT request to have both of these accounts and all remarks removed from my credit report.
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (IL)

I bought a XXXX  XXXX XXXX with my XXXX credit card thru Syncony  bank and I never received the item made multiple disputes with XXXX and XXXX even sent me a email stating for item not received and its still not removing the purchase!
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (NC)

on XX/XX/XXXX I was approved for a secured credit card from first progress. I've submitted a deposit of {$200.00} dollars and still haven't received my card and no one from the company seems to not know whats going on. It's been almost an entire month and I'm out of {$200.00} dollars. I have bills to pay and have fallen behind because of this. it's damaging my well being to the point I had to borrow from family which now im in even more debt.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: GLOBAL PAYMENTS DIRECT INC. (CA)

On XX/XX/2021 I requested my anual free report, but Global Payments Check Services LLC, Attention FACT ACT support department. Despite I filled out the request form and I sent all my ID documents required by the company, the answer of Global Payment was : BASED ON THE INFORMATION YOU PROVIDED US, WE HAVE NO MATCHING RECORDS IN OUR OPERATION SYSTEM. I left several messages in their phone, but this company never answered me. I believe this company does not want to give me my annual free report.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes : XXXX XXXX- - Balance {$110.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX/- Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX  - Balance {$0.00} -Date Opened : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX. 
XXXX I work for XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-03-04
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. (FL)

After investigation my credit score still dropped after years of having high score and working hard on my score, this affected FICO ultimately damaged mortgage rates
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc. (CA)

Ongoing violation of privacy and online disclosure of NPI information by AVANT CREDIT CARD I had a credit card with Avant. When I received my card, I went online on XXXX to set up a online login. 

There are TWO attachments to this complaint. See the circle in blue of the attachment NO 1. Clicking on that link from XXXX takes you DIRECTLY to the login page where ANOTHER persons email automatically populates ( see 2nd attachment ). I had 8 other people try this from their computers at diffferent locations and all had the same result. 

I called on XXXX to report this to Avant. I provided the email address to the representative who CONFIRMED WITH ME that this was a valid email address and that they do have an account with this person. ( another violation of privacy )., I contacted the person via email and advised her of this. She and I are still in contact via email. She has tried to get them to do something about this. She was told by a manager that " She should find someone who knows about computers so that they can explain to her why that cant happen ''. She too has had friends of hers able to access this information and link from different locations. 

I went online today, XXXX. The direct link is still there. 

We have both cancelled our accounts with Avant. They have been notified by two people now ( maybe more ) of this violation and concern. There clearly is a problem with their software or networking systems. This puts all customers confidential information and safety at risk.

Avant is NOW KNOWINGLY putting this persons identity and security at risk.

They arent acknowledging it and are refusing to do anything about it.

I have since placed credit alerts on my credit report and taken all other steps known to me to protect myself and my identity in the event my information is unknowingly released due to the faulty security practices of AVANT. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have credit inquiries and accounts that I am unaware of. I wrote XX/XX/XXXX, Equifax, and XX/XX/XXXX over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Every time my wife and I request credit reports from TransUnion, they come up with some sort of problem with one or both of them. Their website is also non-functional. We do not have these issues with the other bureaus. 

This time ( request submitted XX/XX/21 ), they sent my wife 's report when requested, yet for my request, I received a letter on XX/XX/21 saying they were " unable to locate credit report ''. This was despite my supplying them with everything on their paper form - name, address ( where I have lived for 15 years ), SSN, and birthday. I wrote back, sending another request form, informing them that I DO have an existing credit history, and that the same week both XXXX and XXXX were able to provide me their versions of my credit report with exactly the same information I mailed to them. 
There is no excuse for them not being able to find my records in their system. I informed them that I would be filing this formal complaint if I did not receive my report by XX/XX/21 ( this letter was mailed XX/XX/21 ). The report has not been received.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc. (MS)

On XXXX XXXX I contacted Tower Loan located in XXXX, Ms., the telephone number is XXXX and I spoke with a representative by the name of XXXX who stated I only needed to pay {$190.00}. She then proceeded to take out {$300.00} and {$190.00}. I placed a call to branch manager XXXX who stated he notified Supervisor but wasn't sure how they handled this. This is serious and they need to refund the {$300.00} immediately. The company response shouldn't be I'm not sure.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I, the natural person, consumer pursuant to 15 USC 1692a ( 3 ) have reached out in good faith to CapitOne to resolve this issue. I have asked for a debt validation according to 15 USC 1692g, which they have not provided me with all 5 required items. CapitalOne doesn't agree with what I have stated, which has been all law so now I am asking for verification - please tell me who is the Original Creditor which you have to provide pursuant to 15 USC 1692g ( a ) ( 5 ). Also note 15 USC 1692g ( b ) in regards to this dispute.

Also Pursuant to 18 USC 1341 you have committed a crime which is punishable by 30 years or {$1.00} million dollar fine, or both. You have provided me with a false representation of the amount allegedly owed pursuant to 15 USC 1692e ( 2 ) ( a ).

You also stated in attached documents of evidence that CapitalOne does not need to respond in an affidavit - according to law, a unrebutted Affidavit stands as truth regardless of your " opinion ''. Please see my documents and evidence attached, and I have not in good faith added the additional violations in the good faith that you resolve this issue with me in private.

12 USC 5565 ( a ) ( 2 ) ( E ), and 12 USC 5565 ( a ) ( 2 ) ( B ) refers to refund by law that is required for violation consumer laws.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

My mortgage was transferred from Amerihome mortgage to XXXX XXXX XXXX XXXX  Payments were sent to Amerihome for XXXX XXXX XXXX XXXX, and XXXX Amerihome transferred the XXXX payment to XXXX in XXXX. The other 4 payments for 4 months have not been transferred. I have made several attempts to contact Amerihome to have the funds transferred to the XXXX and no one will assist me with this matter. In the meantime the funds are with Amerihome and it is not being credited to my account properly. Amerihome has a responsibility to account for all funds and transfer those funds immediately to XXXX. Amerihome has egregiously mishandled my mortgage payments and they refuse to assist me with this matter.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$2200.00} XXXX XXXX XXXX XXXXXXXX {$320.00}
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I have 3 accounts with chase that are being closed against my will. Two personal accounts as well as a new business account. 

I closed on the purchase of a XXXX XXXX on XX/XX/XXXX and have used Chase to hold the capital for that business. Out of nowhere my checks started bouncing and I had come to find out that chase is closing that account as of XX/XX/XXXX. They will not give me any explanation as to what I have done wrong, I have several other bank accounts with Chase and they are all small pharmacies which are still in good standing. 

Because this is a new business and I'm already bouncing checks it is extremely detrimental to the well-being of my business and my employees my customers and my vendors. 

I have been owning and managing pharmacies for the past 20 years and have never had an issue like this before. 

While I understand Chase has their terms and conditions and they say they can close my account at any time, I can not wait 10 business days for my check for the balance in my account to come to me. 

At this point in time Chase has over XXXX of my funds and this could potentially ruin me. 

I want to know what rights I have as a consumer, and is there any way I can have the cfpb look into this situation.
Consumer complaint received 2021-09-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XX/XX/sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I reached out to Capitol One in an effort to have the interest reduce that attempt was unsuccessful and has subsequently caused undo financial hardship for me and my family. I have made payments in excess of the minimum amount required which has not been beneficial in any substantial way in reducing the credit card balance.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and disappointment with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing thorough documentation and evidence demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries persist, negatively impacting my creditworthiness. 

I have made multiple attempts to dispute and remove the fraudulent items from my credit report. Each time, I have meticulously provided evidence, including affidavits, police reports, and any other relevant documentation, to support my claims. However, despite my persistent efforts, the fraudulent items continue to tarnish my credit history. 

The presence of these fraudulent items has caused significant distress and financial harm. They inaccurately represent my creditworthiness and have resulted in denied credit applications, higher interest rates, and other adverse consequences. Furthermore, the repeated denials of my disputes have eroded my trust in your agency 's ability to conduct fair and accurate investigations. 

Therefore, I demand immediate action to rectify this matter. Specifically, I request that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2023-05-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION (VT)

Toyota Financial Services REFUSED TO CORRECT THE PAYMENT DUE DATE - WHEN I PURCHASED THE VEHICLE. My payment date should have been XXXX of the month. Instead, they are sending incorrect payment due dates to the all the credit reporting angenies. No matter how many times I bring to their attention that the INTEREST RATE SHOULD NOT BE MORE THAN MY PRINCIPAL. They REFUSED TO CORRECT THAT AS WELL. I will like to be this CORRECTED AS WELL.
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXXDate of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.