davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-12
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. (MS)

NOTICE OF DEFAULT & OPPORTUNITY TO CURE Reporting inaccurate information on my credit report, defaming my character and credit worthiness, without a permissible purpose to coerce me into paying a debt that I do not owe.
Consumer complaint received 2021-07-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I graduated in XXXX. At the time I had no business in college, I graduated XXXX XXXX with a XXXX  GPA and XXXX  with a XXXX GPA. I had 0 concept of finances and did not fully understand what I was agreeing to. I only wanted to wrestle. 

As an adult I am better with money and recognize the consequences of my actions from over 11 years ago. Unfortunately Navient is very hard to work with. You student loans are in 3 different departments, Government, Governement back, and Private student loans. Each department has it own programs and don't talk to each other, so when you have 20 student loans it is easy for Navient people to make mistakes. They signed me up for 18 % interest rate. I have basically been on a rate reduction plan for the private loans for the last 10 years and have never paid the government loans. Every six months they want to call and discuss my income situation over again. I also get harrassed by employees for making life decisions like buying a car or house. They tell me I should be calling them before taking out new debt. It is very draining considering the yoyo ride my income has gone on over the last 10 years. It should not be legal for them to hold an 18 % debt over my head and not consider locking in a rate longer than 6 months. They are the only negative reporting information on my credit. So I can not refinance the loans, they keep increasing the monthly payment so paying back federal also becomes impossible. Not sure what this email will do but I though someone should know. 

The purpose of Student loans and Navient was to improve my life. I now feel like a slave to the debt and I keep getting harassed by the company every 6 months because they want me to pay 18 % interest. Navient needs to do a better job of servicing their long term customers and helping them enrich their lives through a pay plan that is profitable but affordable for consumers. Student loans should not be hurting me this badly after 11 YEARS!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX billed amount XXXX $ -- -this account should not be furnished on my consumer reports as they are in violation of 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please delete these items immediately.
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Gerald E Moore & Associates, PC (IN)

I moved into a house with my wife XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owed {$620.00} to my old apartment complex XXXX  XXXX  XXXX  Apartments. This letter was sent from a debt collector. The letter from the debt collector did not indicate what it was for. Having no idea what this collection was for, I called my old apartment complex to figure why I owed them money. I logged onto XXXX to look at the account. I noticed it had been open since XX/XX/XXXX. It's been 7 months since this account has been open and this is the first time I am receiving any notice about it. 

I have changed my phone number and address since I first left, so I'm sure it took awhile for the company to contact me.
Consumer complaint received 2023-01-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a new car at XXXX XXXX in XXXX California on XX/XX/2022. Everything was fantastic with the dealer themselves but for some reason there was an issue with the small remaining balance that I wanted to finance. I did not know at that time that Hyundai Finance rejected my application because it was eventually financed through another company. We recieved XXXX 's rejection letter today. I thought it was a joke. My wife and I have credit scores over XXXX. In looking at the explainations it looks like they used any fabricated reason not to extend credit to us. I do not know if this cost us by paying a higher interest rate or not. It seems that this company is very arbitrary in the way they extend credit and should be investigated.
Consumer complaint received 2023-07-31
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management (DE)

Today XX/XX/2023 - I received a letter in the mail from XXXX law office regarding plaza services llc debt in the amount owed of XXXX. 

I pulled my credit report and I found a collection account for plaza services but in the amount of XXXX. 

I reached out to the company via fax with a copy of the letter they sent to me, a screenshot of the debt on my credit that also states its been closed/charged off and a copy of my ssdi letter showing I am fully XXXX  and can not work via the state of XXXX. 

I also wrote a debt of forgiveness letter to XXXX who plaza services llc is collecting for and sent them a copy of this stillnan law office letter, my XXXX letter and a screenshot that they have the amount totally wrong.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (DE)

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 

SANTANDER XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CA)

this complaint is with direct express. this is not the first time. since recieving ssi benfits from XX/XX/XXXXhave already had id theft 2x which both times i was n the hospital for XXXX attemps. but only one time was i given back any money. sinceXX/XX/XXXX i had lost my card and because my account with direct express is flagged i hve to go to social security if i want any changes with direct express. so the XXXX the XXXX the XXXX and the XXXX i went to social security so they can call and get me a new card which i did the next day delievery which is 2 days and repeatedly had to go back to ssi cuz the card never came and was still charged the expidite fee 2x and a fee for new card. then XXXX while i was at social security canceling the card and having them send me a new card ups delievers the card but the lady at social security says that to just throw it away cuz its no good but it was already thrown away by th time i got to my mailing location. so when i got my new card i was suppossed to have XXXX but had XXXX ive tried to call direct express but with the lawsuit against them i cant ever get thur
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2023-01-12
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. (NJ)

My name is XXXX XXXX, and I am writing this personal statement on my own behalf. After carefully reviewing my credit portfolios, it has occurred to me that my identity was at some point stolen. Various accounts were opened for financial gain and services. The listed accounts in this report I would like removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

During a routine review of my credit report, I found an account that I do not recognize. This account is being reported as a collection account and is updated every month, even though it is marked as closed. The name associated with this account is not mine, my legal name is XXXX XXXX XXXX. I have no recollection of ever opening or authorizing this account, and I have not received any communication or documentation about it. I am concerned about the impact this account is having on my credit report and score, especially since it is being reported as a collection account on a monthly basis. I have disputed this with the consumer reporting agency, and they are required to conduct a reinvestigation according to the Fair Credit Reporting Act ( FCRA ). If the information is found to be inaccurate or incomplete or can not be verified, the agency should promptly delete or modify that item of information from my file. I am eager to resolve this issue and ensure the accuracy of my credit report.
Consumer complaint received 2021-02-17
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. (NC)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-02-15
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. (CA)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX  and XXXX XXXX
Consumer complaint received 2018-05-15
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. (AL)

I have disputed with the company, Experian, multiple times and they have yet to describe the method that was used to verify the file eventhough the company stated that they did not have documentation to prove an agreement ( signed document, contract, etc. ). Therefore it is not only inaccurate but unverifiable as well. 

Also Experian broke the law by not sending a letter stating that they had relisted the fraud account on my credit report within the specified time stated in the .FCRA which is 5 days of the reinsert day. I had included a copy of a credit report where the item was removed from Experian report. However I did not receive the letter that it was reinserted let alone being during the five day window of relisting.
Consumer complaint received 2021-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I was scammed into a purchase at a XXXX XXXX  which I thought was for a friend. Within hours I discovered the scam and called Capital One indicating that this was an unauthorized purchase and to stop the transaction. Instead they did nothing and referred me to dispute process that was inapplicable in this situation. The terms of this card state '' You will not be responsible for transactions on your account that are unauthorized ''. I have send several letters with documentation to the legal department but they do not respond but rather rely on their dispute procedure which does not address scams. The company denied my claim based on the fact that I benefited from the transaction when Capital One had no mechanism in place to immediately respond I reported this matter to FTC as well. 
Thank you
Consumer complaint received 2020-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE Late Payment XXXX XXXX XX/XX/XXXX XXXX Late Payment XX/XX/XXXX and XX/XX/XXXX XXXX Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-05-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY NATIONAL BANK (CA)

CRA violation. Because the contents of a complete CRA Public File were not provided to me within five calendar days of my request, City National Bank did not comply with the requirements set forth under Section 228.43 of Regulation BB. Specifically, Section 228.43 ( c ) ( ii ) of Regulation BB states, in part : A bank shall make available to the public for inspection upon request within five calendar days of the request all the information in the public file relating to the assessment area in which the bank operates. 

XXXX failed to provide in five days my original request was Wednesday an email dated XX/XX/XXXX at XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CO)

I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight due to their pilot strike. Chase said they would refund my flight due to XXXX cancelling because of the pilot strike. At first chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit and it would come as XXXX points. Which only has a cash value of {$670.00}. This is less than the travel I booked. I was also told this refund would come by XX/XX/2022. It has not. Can you please help me get my money back. They have been holding it up for three months now with no concern for my financial well being.
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 — Personal information incorrect
Company: EQUIFAX, INC. (TN)

ON XX/XX/14 XXXX I CALLED XXXX AND REQUESTED NAME AND ADDRESS CORRECTION. I SPOKE WITH XXXX DIFFERENT REPS AND WAS TOLD IT WAS COMPLETED AND WILL BE UPDATED IN XXXX HOURS. NO CHANGE HAS BEEN MADE AND I AM HAVING A HARD TIME OBTAINING HOUSING. 

THEY STATED IT WOULD BE FORWARED TO EQUIFAX AND XXXX..
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BSI Financial Holdings, Inc. (OK)

We have been trying to obtain the correct payoff letter from BSI financial since XXXX. We have called several times and we have even spoken with the department that issues this letter, and the insurance department too, and they told us that there was a mistake and that they would fix it in a couple of days, that was three weeks ago and we still have not received the payoff letter.

The escrow balance must be reviewed because it is incorrect it shows two discounts ( {$1900.00} XXXX & {$3.00} - XX/XX/XXXX ), for this year we already paid the housing policy in full and we sent you the documents twice. The last time we spoke to customer service was XX/XX/XXXX, we emailed the policy documents and we received a confirmation email. We did it again today XX/XX/XXXX. 
" Thank you for submitting your insurance documentation. Please note this is an unanswered email address. Please allow up to 5 business days for processing ... '' We are so tired of dealing with BSI, they have serious organizational problems that are affecting us financially and It is impacting our mental health.

We are entitled to receive this letter with the correct amount this week.
Consumer complaint received 2021-07-22
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: Experian Information Solutions Inc. (IL)

XXXX  XXXX sent a letter to me and to experian to remove a late payment from XX/XX/2020 and they openly admitted to making a mistake on my credit report. I have a document to prove it as well.
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (AZ)

I refinanced my mortgage with the mortgage broker I've always used. He made sure that the current loan with Suntrust Mortgage would be paid off on XX/XX/19 to make sure it wasn't late. He's never had a problem paying off a loan on the XXXX of a month with any other bank, however Suntrust Mortgage company reported my payment as late because it was after 30 days. They didn't take into account that it was paid by the end of the month and paid in full. When I contacted them they said they wouldn't change the reporting because it's their policy that it be paid by the XXXX of the month. I feel that this late payment showing on my credit report is incorrect .... and the payment wasn't even made by me, it was paid through the process of refinancing. This bad report reduced my credit score by over 20 points! If you review my credit report you would see that I've never made a late payment, that's one thing I'm always good about doing, paying my bills on time! Thank you!