davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

On XX/XX/2018 at XXXX PM EST, I called Navient 's Private Student Loan customer service center ( XXXX ) to change the billing date of the auto pay for my XXXX private student loans currently in repayment. The XXXX loan payments total {$270.00}. The Navient representative I spoke with told me that they would submit a request for the date change, and that the new billing date would be effective for my XXXX billing period. They told me it would take a few weeks for the new date to be reflected on my online account. I waited several weeks, but then on XX/XX/2018 at XXXX XXXX XXXX I received a reminder email from Navient about my bill, in which the auto pay dates had not been changed. I contacted Navient via phone again on XX/XX/2018 at XXXX XXXX, and was told that the billing date change would not take effect until XXXX. I requested to speak with a supervisor, who repeated the same information, saying the date could not be changed until XXXX now. Thus, on XX/XX/2018 I was provided false information regarding the status of my loans, specifically involving the dates of the next automatic deductions from my bank account. This is a reoccurring issue, with Navient repeatedly providing false information to borrowers, including myself on numerous occasions.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXXXXXX 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 2022-02-17
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. (WA)

I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in XXXX  years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX  for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly XXXX  years. Which contributed to my current credit issues.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is a recurring issue with XXXX XXXX and credit reports. Previous report XXXX they state the account is, and has been, always current. They blame the credit reporting company, the credit report agency blames XXXX. This is the 4th time reporting this issue. Transunion is now again showing late payments for this account- there have never been late payments ( again refer to comments from XXXX on XXXX ). However the issue continues to recur with it reporting incorrect. One time is a mistake, 4 times is willful misrepresentation of data which directly impacts my credit and the agencies need to be held accountable.
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BBVA FINANCIAL CORPORATION (AR)

I took out a loan to purchase a new car that ended up with BBVA. I went online to pay my payment but the system would not let me set up online banking. It would not recognize my social to set up online banking, even though I am clearly listed on the statement. I tried to get help via the phone line but when the associate answered she said she could not help me set up the info because she could not find my social. She transferred me again and I was left on hold for over 30 minutes. I had to hang up after the wait because I had to go back to work. I tried to chat but got no response. I was able to make my payment with an automated over the phone system but still have a late fee that could have been avoided if the system worked. I tried two more times to call and was on hold for over 30 minutes each time trying to set up internet banking. Last, I asked where to make a formal complaint so they would recognize the issue but they closed the chat instead of giving me the info so I chose to complain to the CPFB. They need an online method to fix issues or to answer the incoming calls. If I could easily move my car loan, I would.
Consumer complaint received 2020-07-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical Business Bureau (IL)

An SMS sender identifying themselves as " Medical Business Bureau, a debt collector '' continues to send unsolicited SMS messages, betraying the nature of an alleged debt to third parties, and after having received a written cessation order. 

Sender first sent an SMS from ( XXXX ) XXXX, on Wednesday, XX/XX/2020, XXXXCDT reading : > This message is from Medical Business Bureau , a debt collector. Please call us at ( XXXX ) XXXX. If you wish to not receive text messages from us in the future please respond STOP. 

I replied promptly with " STOP '' as instructed in the message, which generated an acknowledgement : > You have successfully been unsubscribed. You will not receive any more messages from this number. Reply START to resubscribe. 

Subsequently, I, received multiple messages from ( XXXX ) XXXX, and ( XXXX ) XXXX with the same contents as the original message in violation of FDCPA, FTC, and FCC. Sender negligently made no attempt at hiding the message from third parties, betraying privacy guaranteed by the FDCPA.
Consumer complaint received 2018-05-02
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. (VA)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2018-05-02
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. (VA)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} XXXX status indicates it is part of a bankruptcy filed XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2022-08-26
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX : {$250.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$1400.00}
Consumer complaint received 2022-02-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I have sent multiple letters to Experian regarding two Bankruptcies on my consumer report. They have constantly sent notification that they have been verified. I have asked for methods of their verification and they stated that they received verification from the actual court. Please tell me how can they received verification from the court and the courts do not verify or validate information. I have sent them notification regarding the bankruptcy courts and they said that they verified it through Clarity Consumer Reporting who are affiliated with Experian. Upon pulling my Clarity Consumer Report there is no bankruptcy listed on the entire credit file. They are in violation of 15 USC 1681b ( 2 ) I have never given them written permission to furnish any information within my credit file. They are also in violation of 15 U.S. Code 1681 ( b ) regarding the accuracy of the report. I will also be filing a report with the FTC.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (SC)

I, XXXX XXXX XXXX, was denied an extension of credit by Chase and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a Chase Sapphire Card in good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with Chase by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that Chase resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian consistently fails to update my credit score, constantly reports my credit score way lower than it actually is, and ignores my requests for solving of the problem. This low credit score reporting is inconsistent with the other XXXX major bureaus and my on monitoring of my credit, which impacts my ability to make any major decisions like home or car loans. I believe it is based on factors of my personally identifiable information linked to the pattern and history of false and discriminatory practices against XXXX XXXX in XXXX, especially XXXX XXXX.
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (FL)

I received my credit report from Early Warning and the report has so many negative bank items on it. I don't owe any bank I have tried to rebuild my credit after filing bankruptcy, to no avail have i been successful. I have been a victim of Fraud as well and I have reported this to the bank as well with a case number. I need this removed from my credit file. I am told that these accounts that are on the report are closed /purged meaning it doesn't convey a negative situation, but it it a negative situation for me. I would like for this to be removed off of my credit report/ file.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (MO)

I've notified netspens on multiple occasions since XX/XX/2022 about fraudelent transactions on my account totaling {$14000.00}. I could not have made the purchases or activated the card as I was incarcerated by mo. XXXX of corrections. Netspend has ignored all requests.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

XXXX has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.
Consumer complaint received 2018-05-02
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)

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Hello, On XX/XX/XXXX of XXXX, I made a purchase at the Kohls 's retail store for {$100.00} using my XXXX XXXX credit card. After about 1 month I received a letter from Kohls 's charge with an invoice of the same amount. I immediately called explained the situation and disputed the charge. I was given a fax number to submit the documentation ( this is where all the problems started to occur. I tried to fax the information to the number I was given which was XXXX. I tried a minimum of XXXX times ( using both provided numbers ) to fax the documentation, and the number was always busy. I called and was given another fax number which was XXXX, and that number was also busy. I spoke with a rep and was given an email to submit the information too. On XX/XX/XXXX I submitted an email explaining the situation to Kohls and did not receive a response. I then called and was told the case is under investigation. At this point, I was called every week or 2 to check in on the status of the dispute and after about 1 month received a letter saying I did not submit any documentation. This is exactly what's been going on between me and kohls for the last several months. I even mailed in a letter to their XXXX XXXX XXXX on XXXX XXXX, XXXX XXXXXXXX, yet they still would tell me they did not receive anything. I spoke with a Kohls Rep and got approval to send another email of the documentation, which I sent on XX/XX/XXXX. Moving forward they stated the case was under investigation for about one month. I kept following up every other week and was told once they receive the documentation they will remove the charge from the account. 

The Kohls team was not willing to help me with my situation and was only worried about their credit balance being paid off. I spoke with a Kohls 's rep yesterday for XXXX minutes to try to get the case resolved and they were not interested in help, rather were pressuring me to pay the balance of {$340.00} dollars. Then the rep started to put words in my mouth which I never said. This has reached a point where I can no longer waste any further time to speak with any of them. I will leave all documentation I have for review. 

Thank you for your help.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.