davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXXXXXX
Consumer complaint received 2018-12-06
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. (MO)

COMPLAINT ID XXXX XXXX I have submitted a request in the above listed Complaint ID 's to have an unauthorized credit pull removed from my credit history. The company has removed the unauthorized credit pull from XXXX however they have not removed the pull from Equifax. 

I would like to have the company also remove the credit pull from Equifax.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (IL)

Back in XX/XX/XXXX, I tried opening up a checking account with another back and noticed that XXXX XXXX had information that I owed JP Morgan Chase and undisclosed amount of money. I had tried on several occasions to explain that the signature on the checks deposited to my last account did not belong to me, as well as they should have photos at the ATM to show who deposited and withdrew the money from the ATM at the time of the deposits.I explained that my debit card was misplaced or stolen, but still no favorable results, just copies of deposited checks with a bogus signature. 

As of XX/XX/XXXX, JP Morgan Chase or XXXX XXXX will not removed the information, allowing me to open accounts with other banks. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (TN)

My vehicle was repossessed for late payments. I called the company to pay the full balance of late payments and the representative would not accept the payment. The representative stated I must pay the full balance of the loan. I could not pay the full balance and my vehicle was sold with the remaining balance still owed. I am receiving letters to pay the remaining balance when my vehicle was illegally taken after a dispute with my employer. I also believe the amount owed is incorrect.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

XXXX XXXX XXXX XXXX RE : Navient Solutions are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, Navient Solution does claims they tried to retrieve my last two loans from XXXX XXXX and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : The Dept of Education sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to Navient Solution and finally the TXXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.
Consumer complaint received 2021-11-20
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. (FL)

I have been monitoring my credit score through XXXX XXXX and found out that there is a " loan '' reported on XX/XX/2021 by XXXX XXXX. I dont have any loan other than my car and my mortgage. I dont know what is this account for. I contacted them over the phone and they were telling me that they can open a dispute to clear this record but I had to give them all my information plus my SSN which i dont feel confident because i dont know who these people are and what they do. I need to know if you can help me to get clarification on why this loan is showing in my report. Unfortutanely, i dont have any documentation that I can provide as backup since this loan doesnt belong to me.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to XXXX  and Experian. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX   written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and XXXX and Experian have not been able to investigate properly. They keep requesting more information from me, which I do not have. XXXX  and Experian are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.
Consumer complaint received 2021-11-20
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. (IL)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this investigation, notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX  ( XXXX XXXX of XXXX ) XXXX ( XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-03-21
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)

I have submitted two ( 2 ) formal dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXX regarding inaccurate information contained within my credit report file with that agency asking that the XX/XX/XXXX XXXX Credit Inquiry be removed from my credit file. In responses dated XX/XX/XXXX and XX/XX/XXXX, Equifax responded that the disputed item is not currently reporting on their credit file. However, today, XX/XX/XXXX, this disputed item continues to show on my credit report.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Synchrony Bank dba XXXX XXXX card has admitted to me they have a system flaw that defaults to incorrect due dates, resulting in missed payments and late fees. It took me threatening litigation to receive my late fee back, but I was still charged interest. They initially denied I scheduled the payment, but I had email confirmation and a confirmation number. This issue has likely impacted numerous other consumers.
Consumer complaint received 2022-07-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NY)

I have been trying unsuccessfully to cancel my subscription to Experian. 

I logged on to the website and learned that it is impossible to cancel it online. It instructed me to call the Customer Care Team at XXXX. I did so, went through all the steps of verifying my identity, and was given only options to ask questions about fraud or to obtain a credit report. There was no option to reach a human being, much less cancel a subscription. I repeatedly tried various approaches -- going through the menu for fraud, going through the credit-report menu, pressing 0, waiting on the line in the hope that a human being would answer. Eventually it would simply cut me off. I made three separate phone calls, verifying my identify each time and spending at least 20 minutes. I was never able to reach any Customer Care person or find any option to cancel my subscription. 

I went back to the website and saw that I could also email a request to cancel my subscription. I did so a week ago, and I have not received any response from Experian. 

I find it outrageous that a company makes it impossible to cancel a subscription. I am now going to contact my credit-card company in an attempt to stop further charges. I hope that the CFPB investigates and penalizes Experian for this unacceptable behavior.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (WA)

My credit report for XXXX regarding 3 mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these 3 Mr. Cooper/ nationstar mortgage accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from XXXX  and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about 60 late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Ive had multiple issues with Wells Fargo. My card was duplicated and used in XXXX XXXX, {$1100.00} was withdrawn at Gas Stations ATMs. I was in XXXX XXXX volunteering at a worldwide religious non profit. Never was in XXXX. Secondly, gift cards were stolen, XXXX found it as fraud, Wells Fargo would do nothing. That total was {$400.00}. The total amount is XXXX Ive spoken and emailed every department within Wells Fargo and have dates, times, what I was told, who I spoke with and copies of emails. Also, Wells Fargo told me they would give me {$100.00} customer loyalty credit, they never did.
Consumer complaint received 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I was about a month away from the end of my deferment period after graduating with my XXXX XXXX degree and was enrolled in a graduate program. The school had already sent out the information to lenders so my deferment should have been continued but I continued to receive notifications that I had to pay soon. I contacted Navient to get this fixed, as I am not working during my program and can not make any payments so the deferment was necessary. The person I spoke to said that he didn't know if they got the information from my school stating I would be enrolled full-time so I got a letter directly from the admissions office with all of the necessary information to defer my loans and submitted it immediately. My payment date was coming up in a few days at this point so I asked them how long it would take to change this on my account and stop the payments/begin deferring my loans again and he said it would range from one to two weeks so it is mandated that I make a payment so I am not late. I made the payment after getting off the phone with him and the next day, my deferment was accepted. Thoroughly disappointed in the inaccurate information I was given, as I have limited funds as is and made a large payment when I should not have had to.
Consumer complaint received 2022-07-21
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. (SC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still presenting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed account which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct and update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2018-04-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when I reviewed my credit report and found late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This must be a mistake. I am not sure how this happened. I believed that I had made my payment to you when I received my statement.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: O&L LAW GROUP, P.L. (FL)

O and L law firm XXXX XXXX XXXX XXXX XXXX fl XXXX made no attempts to notify me of this debt so I could verify it was mine and dispute it if it isn't or negotiate a settlement if it is. I only found out about the debt because my paycheck was almost XXXX lower than it should have been because my wages have started being garnished. If I have any bad debt it is from more than 10-15 years ago. 

It is not right that a company can garnish my wages before I have been given any chance to dispute or settle the debt, so right now my wahes are garnished for a debt that may not even be mine. I have attempted to reach them by phone and only get voicemail.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

On XXXX I sent a certified letter to portfolio recovery stating that they send me proof of validation of this debt unless they needed to remove it from my credit report. They sent me back documentation but not validating this debt to me. Ive requested they remove the debt from my credit and they still havent done it. They gave no supporting documentation that this is my debt.
Consumer complaint received 2020-07-25
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. (NY)

I recently sent letters over 60 days to this bureau and they are disregarding regular consumer disputes. I'm deeply stressed and have been sending letters before this and still no response.
Consumer complaint received 2018-10-09
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. ()

My credit was impacted negatively from XXXX XXXX XXXX XXXX/XXXX reporting to my credit that i was 120-149 days late in XX/XX/XXXX. This was reported in in XX/XX/XXXX. I have since put this account on automatic payments directly from my checking account. Back in XX/XX/XXXX I was between checking accounts and was working with them to be put on an IBR payment plan
Consumer complaint received 2018-12-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (AR)

When checking my card transactions, I found several fraudulent transactions for the purchase of same type items, occurring on various days. These transactions totaled several XXXX dollars, all deducted from my monthly Social Security Retirement. 
On XX/XX/18, after multiple attempts to contact customer services, I finally got an answer. I explained the problem to a very nice lady in customer services. She instructed me to withdraw the remaining money on my card, then call back to report the fraudulent transactions, and get a new card. 
I withdrew the remaining monies from my card on XX/XX/18, and then began my attempts to call customer services to request an investigation of transactions and get a new card. 
As of XX/XX/18, I have now spent 4 days making frequent and repeated calls to contact customer services. All attempts unsuccessful, with recorded message stateing a larger than normal amount of calls being received, and to call back or use web site! All attempts to contact customer services via web site were also unsuccessful!!!
Consumer complaint received 2018-12-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

I contacted XXXX, XXXX, & Transunion verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (IN)

I was notified by collection agency " XXXX XXXX XXXX XXXXXXXX XXXX, XXXX '' ( see attached ) on XX/XX/XXXX regarding a tax debt with XXXX XXXX XXXX XXXX for {$940.00}. I responded back to collection agency with a certified cease & desist letter on XX/XX/XXXX ( see attached ) explaining my intension of resolving the account with the original creditor. I have since hired a professional CPA on XX/XX/XXXX who was given my Power of Attorney to resolve any debt with XXXX XXXX XXXX XXXX. Today XX/XX/XXXX my bank notified via automated text alert of a large withdraw in the amount of {$5100.00} made by " XXXX XXXX XXXX XXXX XXXX, XXXX '' with no authorization or notification. This was all the money in my bank account that I currently have checks written out to pay bills with.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX