davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
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. (NJ)

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Consumer complaint received 2018-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TN)

I am writing in regards to a collection account IN AMOUNT of { {$600.00} } that has been placed on my credit report by this CA that I HAVE NO knowledge of. There is no signed contract between this company and I and demand it to be removed immediately.
Consumer complaint received 2018-04-07
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. (ID)

Hello, I was unable to find the correct option for my complaint as it was not available on your menu. However, the complaint is still important and in need of your help. I have an Experian account that I have been trying to cancel since XX/XX/XXXX2018. I have used the proper phone numbers provided by Experian on their web site and was kept on hold for over 45 minutes the first two times I made this attempt back in XX/XX/XXXX 2018, and yet no customer service rep picked up my call. 

I discontinued the credit card I was using to pay for my monthly Experian report due to this inability to cancel my membership and I made two additional attempts to connect using the proper phone channels and had the same experience with being kept on hold for longer that 30 minutes and still no customer service rep picking up the call. 
I work two full time jobs and it is almost impossible for me to have enough time to sit on the phone for these long periods of time in hope that for someone Experience will eventually take my call.. 
This morning I spent the past TWO hours on hold ... I used the two different phone numbers suggested by Experian and I XXXX to see if anyone out there could guide me to a more successful strategy. 
I found an email address and sent my complaint and request for canceling my account but was told that the only way I can cancel my membership is through the very same numbers I have been dialing this entire time. 
I am now getting emails from Experian stating that I now owe them for my membership even though I have done all I can think of to get this situation resolved. THIS is absolutely unacceptable as their membership documents state that my membership is not cancelled unless a customer specialist does it for me. So, how am I to cancel my membership as they request if they do not pick up their calls? 
I hope you are receiving other complaints from Experian customers who are trying to discontinue their membership so that you can help Experian develop a successful strategy for other consumers who simply wish to discontinue their membership and help those of us who simply wish to discontinue our membership.
Consumer complaint received 2021-12-05
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. (NJ)

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Consumer complaint received 2021-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

On XX/XX/XXXX and XX/XX/XXXX I sent a letter disputing 2 collections reported by the same company. I have yet to see any documentation regarding these account nor their investigation.
Consumer complaint received 2018-04-10
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. (AL)

i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I had an arrangement with Credit Acceptance starting in XXXX that I could pay a lessor amount for the month until XXXX when I sold my house. They accepted the offer. Then in XXXX I sold my house and paid the ENTIRE balance of the account. Then XX/XX/XXXX they reported the entire balance of {$13000.00} delinquent. Then on XX/XX/XXXX they reported another delinquent amount of {$310.00} giving me two hits on my credit report when the account has been paid off for almost a month. I contacted them and they said they couldn't resolve my request unless I put it in writing. So this is my request in writing to resolve the issue.
Consumer complaint received 2023-05-29
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2021-04-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (SC)

I have moved out of XXXX  state to XXXX state at XX/XX/2020 then canceled my XXXX  auto insurance policy then immediately returned XXXX license plate back to XXXX and I got my new XXXX  auto policy at XX/XX/2020, So my vehicle been covered by another policy that belongs to XXXX  agent. 

Then they have sent me a mail that shows a threat statement of damage my credit if I didn't pay a false amount of {$160.00}, I've tried to contact them but their XXXX agent have disrespectfully put me on hold for long time twice then hang-up on me. 

Eventually They've damaged My Credit-Score and sold my Info ( SSN, NAME, DOB & ADDRESS ) to a Credit-Collection for a statement XX/XX/2020 while my vehicle is covered by different auto insurance company since I've moved out of XXXX and registered my vehicle to XXXX at the beginning of XX/XX/2020. 

So they've damaged my credit for {$160.00} an amount that I don't owe to them, the sad part is how easy for auto Insurance companies in USA to destroy someone's credit, sell their customer 's nonpublic information.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I am repaying my son student loans both prvt and public on I have been paying on the loans for several months but when I called to check on payments adjustment that would run out soon the CSR told me I had not made any payments. I have bank statements, I asked the CSR what happened to all the payments she said there were none. This was very discouraging I have made sacrifices to pay these loans right at {$400.00}. a month. I no longer trust what these people tell me. I need help with these loans. I want copies of the paper work showing my responsibility for the loan.
Consumer complaint received 2021-12-05
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 my online XXXX was hacked into and two charges totalling {$110.00} were made and charged to my Paypal account. I disputed the charges with Paypal as made by an unauthorized user and the claim was denied, stating that the use wasn't unauthorized. XXXX has had me send a letter to Paypal where they support my position that there was unauthorized use of my account.
Consumer complaint received 2022-02-03
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo published false and derogatory in formation about me when reporting to credit agencies. I wrote to them and they replied telling me the apologized and had corrected the issue. However, my credit report again shows they published new information with additional false claims. How can I get them to stop this defamation permanently?
Consumer complaint received 2022-02-03
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. (MI)

I am a natural person and consumer. TRANSUNION has violated my federally protected consumer rights. I am writing the on my own behalf. I have suffered several damages due to TRANSUNION violating my federally protected consumer rights.
Consumer complaint received 2021-12-05
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: ALLY FINANCIAL INC. (FL)

I have already 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. This is unacceptable! Please fix this.
Consumer complaint received 2018-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I set up a re-payment plan with Bayview Loan servicing and made the final payment on XX/XX/XXXX of the re-payment schedule. I was told at that time that my mortgage was current. Today on XX/XX/XXXXI get a bill in the mail and they are still looking for twice the amount of money after I was told that the payments would go back to XXXX  on XX/XX/XXXX. As you can see by the statement that I am enclosing this is not the case and Bayview has breached the agreement because this was an agreement to make the loan current I have been paying more money and still the loan is not current. With all the complaints that you get why can't you shut these people down?????
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

I had a XXXX account years ago that had 3 different telephone lines on it, I ported 2 lines to XXXX and asked the 3rd line transferred to my sister as a separate account which had her own information tied to it. As far as I knew it was her account and her responsibility. She paid her bill on time and I never received any bill or information about her account. I returned to XXXX about a year later and re-ported the numbers to a new account, which I currently use daily. I lost contact with my sister for a few years, but was made aware that she was evicted from her prior home. During this time I applied for credit and found out that she defaulted on her XXXX account and it showed up on my credit report. I was not made aware of this prior. My best guess is perhaps something was mailed to her prior address with my name, though I've never lived with her. The XXXX debt collector, Southwest Credit Systems , has not made an attempt to reach out that I am aware of or I would let them know it was not my debt. I am a current customer of XXXX and was when she apparently went into default, so I am unsure why accommodation was not made or any request to merge accounts was done if it was still under my social security number, which I asked that it not be. This is having a detrimental effect on my credit for such a low amount. I would like this resolved.
Consumer complaint received 2021-12-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2024-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (PA)

I have been dealing with Navient for years. I have made complaints regarding how their payments are applied. I've made complaints regarding the school that I attended, that my account was paid in full due to their mishandling of payments and most recently an application for loan discharge due to misconduct of my school and why some people are getting a refund from the school misconduct application and others are not. The answer I got was that it was confidential and proprietary to navient. My school was XXXX XXXXXXXX XXXX, which was owned by XXXX XXXX XXXX when I attended in XXXX - XXXX. There are no less than XXXX lawsuits against XXXX XXXX One of the lawsuits, the only reason I didn't qualify was because I was a good creditor and had been paying on my loan and was not XXXX months delinquent as required by the settlement. Recently I submitted a complained to CFPB regarding Navient and XXXX. Navient subsequently sent me an application for discharge due to school misconduct. I had been told by previous supervisors that my loan did not qualify. No one could tell me why it didn't qualify but that it just didn't qualify. Additionally, depending on which department you spoke to, nobody seemed to know anything about this application. I submitted my evidence and application on XX/XX/XXXX. Today, XX/XX/XXXX I received a letter dated XX/XX/XXXX that my application for discharge was approved. In the notice I was told that the remaining balance was being waived and that it would be removed from my credit report. However, there has been significant damage done to my credit score because I stopped paying on the loan 14 months ago. Other people that have submitted the same application have received refunds of monies paid to navient for their for profit misconduct school. When I inquired why I was not getting a refund, I was informed " Navient considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and when refunds will be issued. That analysis is confidential and proprietary to Navient. '' I find this to be absurd. How can they determine that one person is eligible and another is not for the exact same infractions. I am hereby demanding a refund of everything I paid to Navient since the loans inception. Navients process is bais and discriminates borrows that have been wronged.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

i opened an account back in XX/XX/2021 with an offer of {$400.00} credit when i keep minimum $ XXXX after 60 days of opening an account. 

Its been approx 6 months and the bonus did not get credited and I had to followup multiple times with the bank and still it is not credited. 

I even walked into the branch and complained but still it is not credited.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (TX)

XX/XX/XXXX XXXX denied credit card application via letter due to " The credit report shows a bankruptcy ''. Company advised consumer that XXXX  was the credit reporting agency who provided the credit report. 
XX/XX/XXXX Denial letter received by consumer. 
XX/XX/XXXX I pulled my Equifax credit report. THERE IS NO BANKRUPTCY LISTED. I do however have 20 years of credit history, 32 open accounts all in good standing or paid in full, an 8 % debit to credit ratio for revolving credit, one small XXXX XXXX dollar medical collection from XXXX that was disputed and a XXXX FICO score. 

Company appears to be using fraudalent data in order to deny credit.
Consumer complaint received 2021-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

I paid off my XXXX Card, Wells Fargo card service, and 1 of my XXXX XXXX XXXX personal loan account XXXX. My XXXX XXXX and 2nd XXXX XXXX XXXX  loan amount are incorrect. They Both were paid down, My XXXX XXXX car loan is {$25000.00} now and my 2nd XXXX XXXX  XXXX loan amount is {$7300.00}. which is account number XXXX. Please have all three Credit Bureaus update asap. Thanks
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2021 I called Synchrony Bank, the company that manages my XXXX XXXX  account, to inquire about foreign transaction fees for am upcoming trip to XXXX. I was told the company does not charge any foreign transaction fees. I even reworded my question to the customer service agent to something along the lines of " so if I make a purchase while in XXXX I won't get charged an extra 1 % when the transaction is converted because it occurred in another country? ", and still was told that Synchrony Bank does not charge foreign transaction fees. I have multiple credit cards and only took this one with me based on this information. I was charged a 3 % foreign transaction fee for every purchase I made in XXXX, which is a much higher fee than any of my other credit cards charge. On XX/XX/2021 I again called customer service to inquire about this and was basically told " sorry, someone gave you incorrect information but we aren't doing to do anything about it ''. This company should either have to give correct information on fees or correct their mistakes afterwards. Synchrony Bank has a call log from XX/XX/2021 where you can confirm that I received incorrect information regarding foreign transaction fees.
Consumer complaint received 2023-04-07
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)

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$3900.00}