davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-27
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. (IL)

Credit bureau is in direct violation of several consumer protection laws including the DODD FRANK ACT, TRUTH IN LENDING ACT PURSUANT TO 15 USC ...
Consumer complaint received 2018-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Data Corporation (TX)

Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. 

Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review '  of an Effective Communication with XXXX and Myself since, XXXX of XXXX. 

Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.
Consumer complaint received 2021-12-06
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. (PA)

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 Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Titanium Funds (UT)

Titanium Funds # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-03-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

My credit report shows a negative collection/chargeoff from XXXX.This account was paid and closed on XX/XX/XXXX. The full balance was paid. XXXX still shows a negative account on my report. I disagree with this negative report since the account was responsibly taken care of. 
This account was opened on XX/XX/XXXX.
Consumer complaint received 2022-06-11
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. (MO)

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from XXXX. XXXX sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from XXXX stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I am requesting that American Express honor the XXXX XXXX XXXX  sign up bonus for spending {$3000.00} in 3 months that was advertised when I signed up for this credit card. I spent over {$3000.00} in a month. I was told I was denied this sign up bonus due to opening and closing too many AMEX cards. That is absolutely incorrect as I only have 2 credit cards from American Express, both which are still active. I have credit cards from different issuers and use them depending on the situation ( travel card for travel expenses ). I have not and had no intention of closing these credit cards. I have spoken to representatives on the phone who said a " popup '' should have appeared when I applied for the card which would have told me I would not be eligible for this sign up bonus. A popup did NOT pop up stating so and if it did, I would not have submitted the application. This is a classic case of bait and switch and is false advertisement.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Hello, I am at a loss. I am extremely disappointed with the email I received regarding my appeal to resubmit more documentation and proof toward my school misconduct application that I QUALIFIED for and was told ELIBLE for discharge. I called the office of the customer advocate at Navient before XXXX XXXX, and I was told over the phone that someone would call me back and I would be assigned to a person to help me in regards to my school discharge form. I NEVER received a call back from anyone, but instead I received a SECOND denial, to even submit more proof. I was told they only received about XXXX of documentation online, when in fact I have well over XXXX pages of proof and DETAILED PROOF ( including documentation of my bankruptcy ). Attached is proof, of the complication in receiving my application and I requested that I be sent a PHYSICAL copy of my school misconduct form, and that was NEVER sent to me as well. It seems to me they are purposely deflecting and disregarding my discharge, when there is solid evidence that many other students who filed the same form were APPROVED. I went to the same school, and I suffered extreme amount of financial hardship. I was forced to lived at home with my parents or be on XXXX XXXX and I had to file bankruptcy due to this. 

Navient is willingly and blatantly ignoring the XXXX XXXX. And I am not given a FAIR chance. I was already XXXX for my school misconduct due to predatory tactics and approved on my borrower defense application. I was FULL class member for XXXXXXXX XXXX XXXXXXXX in regards to the very same school. I was a member of the Attorney General settlement against Navient and was NEVER XXXX because I failed to meet the default time by XXXX. I am a student of the XXXX XXXX XXXX XXXX, that President Biden DISMISSED federal student loans for due to it's misconduct and predatory lending. I have a SIGNIFICANT amount of proof, via hardship and backing up exactly what this school has done to destroy my entire life. Yet I was denied at every corner, even when they falsely told me that I do qualify for the application. I was never given a fair chance and denied that fair chance!!!
Consumer complaint received 2021-12-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SL Finance LLC (GA)

I got an email from a XXXX XXXX, agent id number : XXXX saying they tried to contact me at home and did not hear back and I may be eligible for the recent stimulus forgiveness and relief legislation ( Cares Act ), and my application need to be completed by XX/XX/XXXX of XXXX, as that is when the Cares act is set to end. I was given a phone number to call XXXX and a personal validation code # XXXX. I called the number and spoke with a XXXX XXXX who explained the student loan forgiveness process to me and he then asked me to verify my birthday which I gave to him. He then told me that a code was going to be sent to my phone and to read it back to him for security purposes. It was a code from the studentaid.gov website. The text was from XXXX. I gave XXXX the code. He then sent me an email of all my federal loans, including my SSN number, date of birth, ect. He said that I qualified for Student Loan Forgiveness. He spoke to me thoroughly about this program they offered. He was very convincing. He asked me to verify my driver 's license number. I did give it to him. He then said that I would have to pay 5 payments for 5 dates of {$190.00} and after 5 months is over Ill them pay $ XXXX 120 months then after that my remaining balance would be forgiven. He requested my debit card information to get me started. He said he could not send anything by mail. He then sent me a document in my email that was the " legal document. '' This document contained my social security number! However I had to sign it while on the phone with him, he then proceeded to ask for method of payment, I gave him my expired credit card and then told him I will get back to him later.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I also respectfully requested to be provided proof of the alleged items pacifically proof, that these payments were in fact late by the provision of the consumer protection law I demand, if unable to do so, or backing proof that these payments being late to update my payment status as XXXX paid as agreed never late and supply a corrected credit profile any creditor who has requested the access to my credit profile in the last 6 months
Consumer complaint received 2018-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made a {$50.00} payment on my capital one bank account on my card ending in XXXX with scheduling confirmation Number : XXXX on XX/XX/XXXX. In making the payment, I put in a XXXX XXXX checking account number. I didn't give it a thought till I got an alert of overdraft fee from my bank ( XXXX XXXX XXXX ) on XX/XX/XXXX and upon investigation, I saw capital one took the payment from an checking account number they had on file that is used for my autopay, instead of the account number that I put in. I contacted XXXX XXXX XXXX immediately on XX/XX/XXXX who asked me to request Capital One refund the payment to that account before they can take off the fees. I contacted Capital One immediately I got off the phone with XXXX XXXX XXXX and explained the mobile app issue that led to the situation and offered to give them the right checking account it should have come out from in the first place. However, Capital One is essentially insisting that the mobile app malfunction that made them take the money from an account other than the one I put in is my fault. I spoke with an agent named XXXX with agent ID XXXX and when I felt the agent didn't have sufficient authority to resolve the situation, I asked for a supervisor, and spoke with XXXX who identified herself as a " Supervisor at the account escalation team ''. The reference number for the conversation is XXXX. She elaborated on why I am responsible for Capital One mobile app malfunction to my consternation. 

I do not feel it is right for me to be penalised for capital one mobile app malfunction that is not my fault. I gave them an account number to take a payment from, they did otherwise and want to blame and penalise me.
Consumer complaint received 2024-05-24
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: CBC Companies, Inc. (NY)

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX  Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I ahve also submitted the Innovis Credit Report Request Online form and NO SUCCESS.

"
Consumer complaint received 2018-11-22
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. (CA)

I recently applied for a house loan but was denied because of XXXX XXXX that still appear on my credit report as paid late. The account was disputed long time ago, I write letters monthly to no avail. I am very eager to know what is going on why the account is being reported late but credit bureaus did not send me any verification. This is a big mistake please CFPB fix it as soon as possible
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: EQUIFAX, INC. (IL)

In accordance with the Fair Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, Has Violated My rights 15 U S C 1581 section 602 States I have the right to privacy 15 U S C 1581 section 602 also States A consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I tried to connect my credit card XXXX to XXXX, but it did not work out. 
So I contacted the Customer Service twice, eventually they added my XXXX number to my contacts, but it turned out I would have to wait for 30 days until my XXXX would start working. 
I consider 30 days is not reasonable delay for the service to start working as other credit cards start it immediately.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I checked my report for accuracy and saw an account for LVNV FUNDING LLC for Original creditor : XXXX XXXX XXXX in the amount of {$380.00}. 

I was in an abusive marriage for the last five years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to lose my kids to child protective services due to the ongoing abuse. At the time of this collection, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  I finally came forward about the abuse this year and the judge put him in jail, and expedited the divorce. I am now on my own and in the process of trying to get custody of my kids. The judge states I am good standing to get my kids as long as I get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting settlement of {$190.00} and deletion of this debt.
Consumer complaint received 2019-08-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (NC)

Trying to settle with this company they told me has to be delinquent to be offered settlement. I've already paid XXXX but only borrowed {$1000.00} They told me to pay the payday off they want XXXX by wed to pay in full. I'm going broke trying pay them every two weeks. Below is is screen shot of my loan. 



Original Loan Amount : {$1000.00} Principal Balance : {$870.00} Loan Docs : Want to Make a Payment? 
Want to Change Password? 
Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 347.5562 % Interest Balance : {$92.00} Original Scheduled Installments : 26 Current Installment Cycle : 13 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$1500.00} Principal Paid To Date : {$120.00} Last Payment Amount : {$140.00} Payment Date : XX/XX/XXXX Original Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 02 XX/XX/XXXX {$1000.00} {$0.00} {$140.00} {$140.00} {$1000.00} Regular Current 03 XX/XX/XXXX {$1000.00} {$2.00} {$140.00} {$130.00} {$990.00} Regular Current 04 XX/XX/XXXX {$990.00} {$7.00} {$140.00} {$130.00} {$980.00} Regular Current 05 XX/XX/XXXX {$980.00} {$8.00} {$140.00} {$130.00} {$980.00} Regular Current 06 XX/XX/XXXX {$980.00} {$9.00} {$140.00} {$130.00} {$970.00} Regular Current 07 XX/XX/XXXX {$970.00} {$11.00} {$140.00} {$130.00} {$950.00} Regular Current 08 XX/XX/XXXX {$950.00} {$12.00} {$140.00} {$120.00} {$940.00} Regular Current 09 XX/XX/XXXX {$940.00} {$23.00} {$140.00} {$110.00} {$920.00} Regular Current 10 XX/XX/XXXX {$920.00} {$8.00} {$140.00} {$130.00} {$910.00} Regular Current 11 XX/XX/XXXX {$910.00} {$18.00} {$140.00} {$120.00} {$890.00} Regular Current 12 XX/XX/XXXX {$890.00} {$21.00} {$140.00} {$120.00} {$870.00} Regular Current 13 XX/XX/XXXX {$870.00} {$24.00} {$140.00} {$110.00} {$840.00} None 14 XX/XX/XXXX {$840.00} {$27.00} {$140.00} {$110.00} {$820.00} None 15 XX/XX/XXXX {$820.00} {$31.00} {$140.00} {$110.00} {$790.00} None 16 XX/XX/XXXX {$790.00} {$35.00} {$140.00} {$100.00} {$750.00} None 17 XX/XX/XXXX {$750.00} {$40.00} {$140.00} {$100.00} {$710.00} None 18 XX/XX/XXXX {$710.00} {$45.00} {$140.00} {$96.00} {$670.00} None 19 XX/XX/XXXX {$670.00} {$51.00} {$140.00} {$89.00} {$610.00} None 20 XX/XX/XXXX {$610.00} {$58.00} {$140.00} {$83.00} {$550.00} None 21 XX/XX/XXXX {$550.00} {$66.00} {$140.00} {$75.00} {$490.00} None 22 XX/XX/XXXX {$490.00} {$75.00} {$140.00} {$66.00} {$410.00} None 23 XX/XX/XXXX {$410.00} {$85.00} {$140.00} {$56.00} {$330.00} None 24 XX/XX/XXXX {$330.00} {$96.00} {$140.00} {$44.00} {$230.00} None 25 XX/XX/XXXX {$230.00} {$100.00} {$140.00} {$31.00} {$120.00} None 26 XX/XX/XXXX {$120.00} {$120.00} {$140.00} {$16.00} {$0.00} None
Consumer complaint received 2021-12-24
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, 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 Experian 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 Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Consumer complaint received 2019-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

This account was close Do to the bank scam, Midland has brought and using over 4000 robo calls and is on the Do Not call list, yet he claim he has a judgment, how that I never receive nothing, the latest more than a XXXX dollars because, I want to sue because not only does he call 4to 5 times a day, over 4000 calls now this fraud and violations of my civil right for due process, just because he brought a close account to make money. I was told because its been so long it will go away, I dont think so, this guy is wasting my minutes as it now cost me to call on my government calls program, the robo calls, the only way to stop this fraud is to sue, but I have no money for that ...
Consumer complaint received 2019-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.
Consumer complaint received 2024-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

accounts are not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible. please check not untimely incmplete inaccurate. check attached for the completed details of the disputed accounts.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions