davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (WI)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2023-07-27
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. (IN)

in review of my credit file i see XXXX recent inquires on my 3 credit reports that i believe are fraudulent. 1 ) XXXX XX/XX/2023 & 2 ) Equifax Mortgage Solut XX/XX/2023 I would like these XXXX inquires removed.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I submitted a 609 letter to Transunion, XXXX & XXXX asking for proof of verification for the following unverified accounts.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX XXXX XXXX uses a company called Comenity to run their store cards. Comenity 's online payment portal has been down since XX/XX/2021. It does appear to be working as of XX/XX/2021. When you call to make a payment Comenity charges a fee for doing so. They have refused to waive late fees even though their website has not been functioning for months. Not all of us want to pay to make a payment by phone, or wait at a store or on the phone to process the payment. Their {$35.00} dollar late fee is excessive given that they have a broken payment system.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (IL)

I recently checked my report and noticed Unauthorized, unknown and Unrecognized inquiries on my credit report. 

- XXXX XXXX XX/XX/2021- XXXX XXXX XX/XX/2021 I would like to have these items removed promptly. 

Thank you!
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my freelancing. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.
Consumer complaint received 2021-11-14
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: NAVY FEDERAL CREDIT UNION (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-11-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I dispute and disagree with this supposed debt which the collection agency is attempting to collect.. I dispute and disagree that I have ever had or in any way owe such debt as referenced in their XX/XX/XXXX notice. 

The vehicle in question for which I am being told the debt is owed was part of a contract XXXX XXXX for XXXX and was a contract with XXXX. The terms of the contract were such that if all payments were made in full and vehicle  was turned in/picked up by XXXX in XXXX when due at the termination/ end of the time period contracted with XXXX there was no amount or payment due at the time vehicle was turned in/picked up. I met these conditions. 

Further the vehicle was picked up by XXXX on time XXXX, as contractually required with no outstanding balance. From XXXX to present there was no communication, notice or indication of balance due or any amount outstanding at the time of pick up. And from the time of pickup of the vehicle by XXXX to this date there has never been any communication, request for payment or notice of amount due, from XXXX, or XXXX XXXX ( at the time a part of and extension of XXXX as its leasing arm to XXXX  and XXXX XXXX ), or any other entity. No notices, claims, request, invoices, detailed accounting or presentations or communications of any kind regarding any amount owed or outstanding balance.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (IL)

American Express Serve card closed account XXXX XX/XX/20 Ive tried numerous of time from that to this date to receive my balance in check by mail due to them closing account and they refuse to ongoing problem for at least a year now Ive sent verified information and still nothing
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC. (NY)

My credit report is showing late payments to SANTANDER BANK N.A. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SANTANDER BANKs customer service representative.
Consumer complaint received 2021-11-13
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. (AZ)

I reached out to the is credit reporting company numerous of times regarding an account on my report. The company continued to send me templates and did not resolve my issue.
Consumer complaint received 2020-02-11
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: Experian Information Solutions Inc. (TX)

I have disputed this 3 times with Experian. The other 2 bureaus have removed it. This XXXX account is for someone in XXXX XXXX. I called the company and they said the name and address are not mine but my social security number was used. I also sent an email on XX/XX/20 to XXXX to investigate this account and yet it still remains on my report.
Consumer complaint received 2021-11-13
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)

XX/XX/XXXX I submitted an Identity Theft report to the FTIC and later on mailed in to Equifax regarding some fraudulent accounts reporting on my credit. It submitted an updated report in XXXX of XXXX and they have yet to update my credit report to reflect accurate information. Both fraud reports have been attached below. They are illegally reporting inaccurate information and are violating my FCRA Right act. My next step is to take legal action if reporting information is not updatetd accordingly.
Consumer complaint received 2019-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I went to a hair salon on XX/XX/19 had an appointment to have service done on my hair spoke with the owner and she said the services I wanted she was not familiar with it and she spoke with her daughter and she came back and said her daughter knew how to do it but the problem was her daughter was booked for the day and I said but I made the appointment and you responded to my email and you say yes come in she then said wait I will see if my daughter can fit you in and she came back and said yes, but it is going to be a wait and I responded and said should I leave and come back later she said no wait I had no idea I was going to be sitting there 5 hours before they started services on my hair finally around XXXX XXXX they had another co-worker start providing services on my hair and the owner of the salon was to cut and style my hair and she was rushing to get me out after sitting there all day she finally said I have to leave I am going out for the evening and I have to finish shopping I am throwing my XXXX XXXX XXXX son a birthday party the next day XX/XX/19 and the style and cut the owner did on my hair was an XXXX  of a mess I ended up paying {$180.00} on my hair I had to go to someone else to correct the cut and style the previous salon did on XX/XX/19 I put a complaint with my bank and that was Santander they denied the claim on XX/XX/19.
Consumer complaint received 2022-05-20
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)

Experian is again reporting on XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX product XXXX XXXX  loan # XXXX as XXXX days past due to XXXX, XXXX, and Experian in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan. 

This was not resolved with previous investigation and I am attaching a screenshot dated XX/XX/XXXX that shows the account is due for XX/XX/XXXX. 

The account is current!
Consumer complaint received 2021-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (FL)

I purchased a grill for my vehicle from a company called XXXX XXXX Im XXXX using XXXX XXXX, A division of Affirm. Order XXXX ( XXXX ) and loan number XXXX ( Affirm/XXXX XXXX ). 

I contacted the company a few days after my mechanic installed the grill due to water in one of the lights on the grill. I was sent two replacement lights. Two weeks ago, all of the lights are filled with water and a fuse was shorted. I contact XXXX XXXX XXXX via email and phone. I then put in a claim and disputed payment resolution to XXXX XXXX XXXX. 

Since affirm forced me to pay them, I now have a broken item and no recourse XXXX XXXX XXXX : XXXX XXXX XXXX You will see that the site is down and the numbers don't work.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

The company Pro Collect located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX reported a collection on my credit which negatively impacted my score. They're collecting a debt which is owed by my brother  who has the same first and last name as me. I contacted XXXX XXXX ( who hired Pro Collect ) and they confirmed that I do NOT have an account with them but my brother does. I spoke to a Mr . XXXX ext XXXX at Pro Collect several times and other representatives. They have been nothing but rude to me and they keep asking to pay a debt which is not mine.
Consumer complaint received 2021-11-13
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: Santander Consumer USA Holdings Inc. (DE)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have 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 is the inquiry that is reporting on my Credit Report : SANTANDER CONSUMER USA Date of inquiry XX/XX/2021
Consumer complaint received 2019-11-21
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: Credit Corp Solutions Inc. (NY)

I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX  and my XXXX  as well then its another account that just on my XXXX  and it is Credit corp solution in the amount of $ XXXX date opened XX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (TX)

I am traveling for work and SoFi froze my account without any warning or contact. I find out when I dont have access to my funds. I call SoFi and they say that a check I deposit was rejected and they froze my account. Im asked where the check came from, I explain that I had deposited three different checks and two of them went through. The check that bounced was from XXXX XXXX after making over payments on my retirement loan. They say they will investigate while freezing my account and after having all the information. The problem is that Im traveling with no access to my funds. I explain this and all they tell me is to keep checking my account. Its already another day and still frozen account. I am very upset because they shouldnt freeze an account without trying to resolve the issue with the consumer.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Campus Student Funding, LLC (IL)

Case number : XXXX To Whom It May Concern, I was informed that my for profit student loan is owned by Campus Student Funding , LLC and not XXXX XXXX XXXX, XXXX so this complaint has to be filed with Campus Student Funding , LLC instead of XXXX they just service my loan and do not have the authority to eliminate or reduce my loan. I was also told that my loan was not part of the settlement which I know is not the case. XXXX XXXX and XXXX XXXX ordered that funds in the millions be set for current and former students of XXXX XXXX for loan forgiveness or borrowers defense to repayment on both fed and for profit loans which includes XXXX XXXX which switched to Campus Student Funding , LLC which I think smells fishy that as soon as all this came out my loan switched hands so quickly. XXXX and XXXX both stressed that people should not enroll in these colleges in Illinois. Just because my loan was sold or transferred does not change anything I ca n't just trade-in, exchange or sell my XXXX education for a new XXXX it has no value and I should n't have to keep paying on it. The incidents of fraud and scams by XXXX XXXX and XXXX XXXX are all over the internet, hit the news and was even aired on XXXX based right here in XXXX. Do you think the companies I apply to will understand if I put on my resume that all the other Corinthian colleges committed fraud and bad lending practices but XXXX in XXXX XXXX, IL. I am requesting that my student loan account # XXXX be placed in borrowers defense to repayment. 


Thank you, XXXX XXXX
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

In 2017, XXXX breach exposed my personal data. As I see that the company reached a settlement to resolve the investigation, I would like to file a complaint against them.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

chase bank is closing my credit cards. 
I have no negative credit reports. 
I only solely. bank with them so I get my credit card applications under them. its easy to track and make payments between personal acct to the XXXX credit card accounts. 
the letter said careful consideration decide to close all XXXX credit card accts all at once on XXXX. they made the decision XXXX of unexpected activity I conducted on the card or other chase account. 
I'm very careful and protecting my credit score is a must and highly practice. 
I want too talk to them but no number written on the letter I received. 
even the bank teller can't tell me more further than an explanation or a specific activity that made them close my accounts. 
this is not fair cause I bank with them for a long time. approved me for those credit cards and now if they close all and I won't have any credit line I can use cause the cards will be closed but with balances. applying will be different cause I won't be granted having those balances on the accounts. now I have bills that are paid using cc. I mean having to change payments for my accounts payable will take time and considering I have not done anything wrong that they are suspecting me of conducting.
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NC)

Both my Citibank and XXXX cards were skimmed in XXXX XXXX. I contacted both companies and neither are cooperating in reimbursing the fraud. It is clear they are not me and I feel they didn't even both investigating. I am supposed to be protected from fraud and this is devastating as the amount for both together are almost {$3500.00}. I have filed a police report and have a copy, a report with the XXXX  ( for Citi ), and the FTC ( reference number XXXX ). Below are the amounts for both : Citibank XXXX XXXX XXXX - {$110.00} XXXX XXXX  XXXX Nevada XXXX {$150.00} ( I live in NC ) XXXX XXXX {$590.00} XXXX - {$180.00} XXXX XXXX Nevada XXXX {$200.00} XXXX XXXX XXXX {$490.00} Nevada CHild Support - {$300.00} ( I don't even have a kid ) XXXX  XX/XX/XXXX XXXX XXXX - {$480.00} and {$900.00}
Consumer complaint received 2021-11-13
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. (CA)

On XX/XX/2021 I submitted a 609 letter to XXXX, XXXX & Equifax asking for proof of verification for the following unverified accounts.