davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

I took out my original unsubsidized student loan with sallie Mae 1st payment disbursed on XX/XX/XXXX for {$10000.00} and 2nd payment in XX/XX/XXXX for {$10000.00}. I began making my first repayment on XX/XX/XXXX. My interest rate is at 4.750 % with a co-signer. I have made payments since XXXXpresent with estimated pay off date given to be XX/XX/XXXX. My loan is now under Navient for the past several years. I never signed new documentation with Navient and was just told that they bought out Sallie Mae. I have asked Navient to provide me with information on fair interest rates or where I could search to find information regarding sallie mae 's lawsuits regarding interest rates and all the employees I have asked have told me that they do not know if such information or how to direct me. I also feel that I will have paid back an unfair amount back on my loan.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

i have 4 unauthorized transactions on my business checking account which i did not authorized. i have contacted the bank and filed a claim but my claim was denied without any investigation or reason. i have never authorized those transactions. please help XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$860.00}. 

XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$220.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$75.00} XX/XX/2017 Payment to XXXX XXXX XXXX XXXX - {$490.00}
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to the Bureau and they responded with I needed to provide information that they have already reported on the report such as - ACCOUNT NAME, ACCOUNT NUMBER, DATE OPENED, BALANCE-which I provided by attaching the dispute letters that I sent to the Bureau which I provided in the letter. This is the second time that they responded with the same EXCUSE! They have violated the FCRA and my consumer rights. This is nothing more than a STALLING TACTICT by the BUREAU.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Between XX/XX/XXXX and XX/XX/XXXX, NMAC has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.
Consumer complaint received 2020-09-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX  report, but not from XXXX  or Equifax report. 

I'm requesting XXXX XXXX XXXX to include XXXX and Equifax in the removal of my closed account # XXXX. Respectfully, Mr. XXXX XXXX
Consumer complaint received 2019-04-11
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. (GA)

I received notification that 3 hard inquiries had been made on my Equifax credit report on XX/XX/2019 by XXXX, XXXX  XXXX, and XXXX XXXX XXXX, all in the Auto Finance category. After speaking with several people at these companies, I was told by XXXX XXXX XXXX ( XXXX ) that a XXXX XXXX in South Carolina had made an application for an auto loan over the phone using my social security number as her own. XXXX declined her application and submitted it to affilliates ( i.e., XXXX and XXXX XXXX ). XXXX opened a fraud investigation and concluded that this was in fact fraud. XXXX notified Equifax of their determination of fraud. 

I also filed a police report and made Equifax aware of this as well. 

Based on the information provided by me and XXXX, Equifax is on notice that XXXX agrees that their hard pull on my credit was unauthorized by me and was the result of fraud. Equifax is also on notice that, unaware of the fraud at the time, XXXX submitted the fraudulent request for credit to XXXX and XXXX XXXX, resulting in the 2 other hard pulls. 

Despite having the information above along with my offer to sign an affidavit confirming the same, Equifax has only removed the XXXX hard pull and not the other two. I also have reason to believe that this fraud resulted in grossly inaccurate employment information being listed on my Equifax credit file. Equifax has been extremely difficult to deal with and refuses to take this issue seriously. 

By continuing to knowingly include inaccurate information on my credit file, Equifax is unfairly lowering my credit score and harming my ability to conduct business with any company that uses Equifax 's services. As such Equifax is causing continuing and irreparable harm to me.

Congress should take action to regulate these types of harmful practices by credit agencies like Equifax, but in the meantime, assistance in causing Equifax to correct my personal credit file would be appreciative. It has been almost 3 months and countless hours spent trying to get this resolved.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (AR)

ONCE AGAIN I CANCELLED EXPERIAN MEMBERSHIP NO.XXXX AND EXPERIAN IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : XXXX XXXX XXXX XXXX XXXX like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX XXXX, Chief Fin XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my XXXXdit score and overall financial well- being.

2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame.

3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated XXXX period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry.

2. The source of the inquiry.

3. Steps taken to rectify any errors or inaccuracies in my credit report.

4. Verification of the removal of the disputed hard inquiry from my credit profile.

5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time. 

XXXX XXXX
Consumer complaint received 2020-09-24
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. (ND)

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2017-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (CA)

I h  ave had a Sears credit card for many, many years.
Sears replaced my revolving credit card with a Mastercard account.
I do not use the card, but keep it for emergencies -- auto repair, appliance replacement, other services provided through Sears.
Without notice, because I have n't used the card, Sears reduced the amount of my available credit.
When I called, "   XXXX   '' said that I should have used the card in order to keep the amount of my available credit.
WHAT? They are bullying me into using their card!
Further, they told me that it is their policy to reduce the amount of credit available because I have n't used the card.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my credit report, it is hurting my ability to obtain credit. They are being reported by a 3rd party that never got my authorization.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IN)

My mom passed away on XX/XX/2020. She was receiving social security. My sister 's and I understood that the night possibly reverse the payment. However, they are not because the payment that social security deposed into my moms checking account was for the month of XXXX. After several phone calls to Chase bank a woman in the decedent department told me if I got a letter from the Social Security office the hip that Chase bank out I the checking account would be removed so the account could be closed. Either the woman from the bank lied to me or the ACH department at Chase doesn't understand the letter from Social Security stating that are not taking money from my mom 's account. I was also told that there would be no fees come out of the account. They mailed statement out saying they took a service charge out of a bank account that has a hold on it. I feel l as if though I was lied to all the way around. 
Please see attached letter from the Social Security office stating they will not be taking any money.
Consumer complaint received 2018-02-22
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: AC AutoPay LLC, Denver, CO Branch (CA)

On XX/XX/XXXX my credit report was ran because I'm in the pre-approval process of purchasing a home and I had a negative trade line from AC Autopay which is not mine in the amount of {$8400.00}. I contacted them at XXXX XXXX to dispute this on XX/XX/XXXX-XX/XX/XXXX and spoke with XXXX , XXXX, XXXX and the supervisor XXXX. I asked them what is the process of having this trade line removed in which they responded there was no problem since the loan was paid in full. I then again informed them that this was not my loan and that I need the negative trade line removed. On XX/XX/XXXX I sent them a priority next day mail XXXX  XXXX XXXX to AC  Autopay XXXX XXXX XXXX., XXXX, Colorado, XXXX in the package I made sure to include the Identity theft report, FTC # XXXX, credit report, drivers license, social security card, Notice to furnish of information and the dispute letter. On XX/XX/XXXX the package was received and signed by XXXX XXXX. Today, on XX/XX/XXXX XXXX stated that AC Autopay can't nor won't help because the loan is paid in full and the title was already given.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (PA)

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 5XXXX ; Account name : XXXX XXXX Bank Account XXXX : XXXX, Account name : XXXX XXXX Account XXXX XXXX, Account name : 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 2022-04-04
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. (PA)

Reason ( s ) n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ; Account name : XXXX XXXX Bank Account # : XXXX, Account name : XXXX XXXX Account # XXXX, Account name : 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 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am unable to buy a house with a lender because of the delinquent reports on my credit report being reported by capital one. I have paid Off the account with the lender who has reported my account to credit bureau that my account is delinquent. I have asked the lender Capital one auto finance to please take my account altogether off the credit bureaus so the delinquent past due payments no longer showing. They refuse to do so. I have paid them off in full. This seems unfair. Now Im stuck in a dilemma where I cant get finance for a house for me and my sons to have a decent place to live. Rent is all time HIGH and it would be a better financial situation if I was to buy a home. I would like this done so Im able to buy a home for me and my sons.
Consumer complaint received 2022-04-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Hi, I dont have the exact dates as its been over a year since this started but here is what happened. Chase closed my account without warning. I was with them for over 10 years in good standing, never a late payment. i found out they were closing my accounts when my wife called me from the store saying her card wouldn't work. I spent hours on the phone with support trying to get to the bottom of it and the response i received was along the lines of " If you read the docs you signed when you signed up with chase it will state that we have the right to end our relationship at any point with and do not need to provide a reason ''. i was quite amazed at this considering the size of the company and my history with them. About a a little over a year later they decide to shut down my business accounts as well. Again with no explanation. The time frame for the business accounts closures are around XXXX XXXX. They really caused me alot of issues as it was not easy to reset up all the payments i had setup using my chase credit card and checking accounts
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (TN)

After grossly mishandling my mortgage account, # XXXX, Seterus Mortgage Company has not informed credit agencies that my loan was paid in full and account closed. 
My property at XXXX SC was sold months ago. 
However this former debt has not been erased from my credit report, which shows balance unpaid. -- XXXX
Consumer complaint received 2020-09-16
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. (IL)

I INCLUDED DOCUMENTS, PLEASE TAKE THE TIME TO READ THEM. I am writing to file a complaint against Experian. I have written letters on XXXX XXXX, 2020, XXXX XXXX, 2020 and XX/XX/ 2020 requesting XXXX XXXX XXXX XXXX be deleted from my credit report because it is inaccurate and unverifiable. I provided documents that prove this account is inaccurately reporting on my credit report and this credit bureau keeps responding that it is verified although it continues to report inaccurate information and inconsistent information across all 3 credit bureaus. I requested that Experian provide me with documentation under the FCRA to verify that this information is mine and is correct and the method of verification. Experian has not provided me with any documents that they have used to verify the accounts and continue to ignore the records that Ive sent. Experian continuously ignore the FCRA and I need your help with enforcement. I have highlighted and disputed the inaccurate information highlighted on the attached document. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian to date. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance.
Consumer complaint received 2017-05-26
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: Experian Information Solutions Inc. (IL)

I 'm entitled to a method of verification as I have asked for and if they are unwilling to provid e one the inform ation must be deleted. The credit reporting companies are not addressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.