davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (FL)

I have tried numerous times to obtain my credit report online but I can't. I have been able to get them before. The company will allow my credit report to be furnished on it's regular site but I have to pay for it. This is not equitable to me as a consumer. I would like access to my consumer report the same way that I have always had access to my consumer report online. 
The last four of my social is XXXX,
Consumer complaint received 2022-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  reported my account as delinquent when it is not delinquent. The Transunion reporting is showing that this mortgage account is delinquent. 

The account was paid on XX/XX/2022 and XXXX has reported this account as delinquent on XX/XX/2022 2022
Consumer complaint received 2021-12-06
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. (FL)

I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX TO REMOVE THE INNACURATE INFORMATION ON MY CREDIT REPORT. I HAS BEEN A MONTH. I NEVER RECEIVED UPDATE INFORMATION FROM EXPERIAN. 
THIS IS A VIOLATION OF THE FCRA.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have been trying to fix the discrepancies reported by XXXX since XXXX to no avail. Ever since then I have been caused so many damages and emotional distress because the information, they are reporting to the public is making me look bad and I'm not getting approved for anything. Also, I had a full XXXX audit done on my loan from XXXX and so far, XXXX has accrued about {>= $1,000,000} on a loan note they sold and traded on the secondary market and still asking me for money as if they are the owners of the promissory note still.
Consumer complaint received 2022-06-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( USA )/ XXXX XXXX, NA Account number XXXX, XXXX XXXX XXXX. Account number XXXX, XXXX Account number XXXX, XXXX XXXX  Account number XXXX, XXXX XXXXF XXXX Account XXXX XXXX , XXXX Account # XXXX , XXXX XXXX Account number XXXX, XXXX 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
Consumer complaint received 2018-11-26
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. (CA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Experian failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-26
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)

The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2018-11-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp. (NM)

I need the loan payment lowered to better suit my financial situation. I'm a single mom with a XXXX year old daughter I'm providing for on the salary of a XXXX position. My rent is {$700.00} per month and I also am providing food for my entire household. I make between XXXX and XXXX weekly. My insurance on my vehicle is close to XXXX  monthly. When you factor in my $ XXXX   monthly car payment which I took on when my financial situation was better off I'm having to choose between transportation, food for my family, and a roof over my family 's head. I need the payment lowered to something more manageable even if it means drawing the loan out longer. Something closer to {$250.00} would be more manageable for my financial situation. I do plan to attend school and am looking for permanent employment but these things take time.
Consumer complaint received 2021-12-06
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2018-11-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas) (NV)

I just received an alert on my credit reports that a collection account was added. The account belongs to XXXX XXXX XXXX. I have an account with them now and I am presenting using their services ie cable and internet. Therefore, I am confused regarding what the details of this account is. I do not have mail from the collection account to call and dispute this account, hence why I am reporting this through CFPB now. This collection company has not called me nor have I received any mail stating otherwise. The account according to my credit report was opened on XX/XX/2018 for {$130.00}.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2018-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KS)

I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX  put to collection XXXX XXXX XXXX the amount of {$490.00} opened XXXX2015. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXX  to find out why they put me in collections. I contacted XXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXX I decided to contact again XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX XXXX and XXXX or provide me any signed documentation or any other proof of me authorizing this account.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

In late XXXX  I recieved two vanilla gift cards as a gift - one of them suddenly stopped working with ~ {$80.00} remaining in balance. After at least 10 attempts to get ahold of the company through their customer service phone number, email, and social media pages - I was not once able to get ahold of anyone ... spending hours of my time in an attempt to get in contact with anyone at all that could help resolve the situation. 

At this point, after the time spent, with a seemingly non-existent customer service team- i can not continue to try to resolve this on my own.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Hello I had a massive fraud committed up to XXXX dollars taken from a joint account with my mother and I at Peoples United Bank. The fraud was committed at XXXX, XXXX and XXXX XXXX XXXX where transactions of XXXX dollars took place. As soon as we saw it we told the bank went to a local branch were they set up new accounts and told us a fraud claim had been placed and they said it would take 3 months to get my money back. So fast forward 3 months they told us we never did a claim and then they said my mother spent thousands of dollars herself at XXXX and got scammed without any proof and they won't refund my money. I sent emails and finally got a response from a regional head saying I never filed a claim and basically saying there not at fault and telling me to file another claim. I know my rights as a consumer and there in violation of Regulation E the bank did not provide me with provisional credit and did not do a complete investigation. The bank mishandled this whole fraud claim didn't even tell my mother or I to file a police report. Obviously someone made a mistake somewhere but instead of correcting it there trying to blame the people who put money in the banks assuming its going to be protected. By the time we filed a police report the detective said it was unsolvable because the bank and business the fraud took place deleted there surveillance tapes and commented banks will prolong fraud cases so they don't have to pay you back. I haven't heard anything from the bank since I filed another claim.
Consumer complaint received 2018-11-26
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: CL Holdings LLC (CA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Hi my name is XXXX XXXX I am from XXXX I opened a business account in Chase Bank XX/XX/XXXX that was my first visit to USA I register my business as XXXX XXXX XXXX in XX/XX/XXXX and open a business account, Business account runs only one week after that bank close my account bank need work permit or business permit that time I dont have and they close my bank account but some money was in my account XXXX XXXX  Now I returned to USA after 4 years and went Chase bank to get my money back but nobody helping me every one telling a new story new talk but no one helping and its almost 2 week I call online customer services but they said bank issue a cheque but I never received on registered address if I ask give me cheque detail they dont know they dont have in system I check with XXXX XXXX  State unclaimed fund too but they dont have anything on my name I went 2 chase bank branches too but they not help only gave me customer service help no when I phoned they say always we dont have record where I go who can help me to get my money back its almost two week Waiting your reply
Consumer complaint received 2022-05-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MA)

I asked for income repayment option and I received an email confirming, I was approved on XX/XX/XXXX. I then received another email on XX/XX/XXXX stating I didnt have to make another payment. On XX/XX/XXXX, I received an email my full monthly amount was due ( {$530.00} ). I contacted Nelnet and they stated I was never enrolled in the income driven payment program. I spoke with XXXX in XXXX and completed the verbal agreement to be accepted into the program and my monthly amount would be $ XXXX.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

PNC changed the order of transactions to allow a pending charge of $ XXXX XX/XX/XXXX to pull from the avail account balance before two charges {$2.00} & {$1.00} that were pending 1-2 days prior to the {$20.00} charge and have already posted to the account. Therefore causing two unnecessary overdraft fees of {$36.00} each to be charged to my account on XX/XX/XXXX
Consumer complaint received 2018-11-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (GA)

I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. Santander never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and Santander. XXXX XXXX XXXX has sent me everything they have from my file with Santander. Now Santander violated the O.C.G.A. 10-1-36.

10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. 
( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. 
( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. 



In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
Consumer complaint received 2018-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I bought two XXXX XXXX ( XXXX ) tickets through XXXX ( XXXX ). One for myself and one for XXXX years my granddaughter. I disputed the transactions as XXXX cheated about ticket price and their agent fees and also seat selection. XXXX resolved seat selection and I withdrew my disputes. 
XXXX split the PNR and cancelled my grand daughter ticket without any notice. They compelled me to book another ticket for my grand daughter at higher rate. BOA credited my first payment for my grand daughter but later they charged me again. 
Again XXXX played " dirty '' business and XXXX XXXX failed to provide the services. I again disputed all tickets and agent fee. 
BOA charged me tickets that XXXX XXXX cancelled and refunded. BOA charged all agent fee though it was so obvious that it was a BIG FRAUD. 
Fraud team of BOA, XXXX XXXX and XXXX have been harassing me since XX/XX/2017. Instead of listening and resolving BOA is charging me interest for one ticket. ( they debited two tickets for one XXXX years girl ). 
I visited BOA center in my area, the local officers also got convinced how one passenger can fly on two air tickets?? But BOA head offices have shut down their wisdom to fix their mistakes. 

The supporting documents can be viewed at XXXX XXXX XXXX XXXX XXXX XXXX Please let me know if you need further information. 

Looking forward to resolve the issue. 

Thank you, XXXX XXXX
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX I have paid the debt and the debt collections refuse to remove this negative remark off my credit report the amount is paid in full. XXXX XX/XX/XXXX is saying I owe XXXX $ I have not put any services in my name.XXXX XXXX  XX/XX/XXXX is asking me to pay XXXX $ I have not put any services in my name. XXXX XXXX XXXX XX/XX/XXXX is asking me for XXXX $ I moved and had no idea someone was using services in my name.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

Despite paying down balance on Mastercard each month the payment owed each month has actually gone up more than once despite there being no new activity on the card. 
For example, in XXXX of 2020 the outstandling balance was {$16000.00} with a minimum payment due of {$420.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
In XXXX the outstanding balance was {$16000.00} with a minimum payment due of {$430.00}. 
Most recent bill for XXXX of 2020 has balance of {$15000.00} with a minimum payment due of {$420.00} When I spoke to customer service on XX/XX/2020 the representative advised the best thing to do is pay off the balance so this wont happen anymore! There has no activity or purchases made on the card or missed/late payments in all the time frames referenced above.
Consumer complaint received 2018-10-12
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. (CA)

Hello, This company placed hard inquiries on my Transunion credit report without my consent. I applied for a pay day loan which is not a credit application, and does not require such a credit inquiry. I have attempted contacting the company ( XXXX XXXX XXXX/ XXXX XXXX ) to request they remove these hard inquiries as I did not authorize them and they are not cooperating. Below are the 3 inquires I am disputing, thank you. 
XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX Finan Inquiry from XX/XX/2018