davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (PA)

The same day the card was received as a gift and activated, charges were placed that were not done by me. They were sent all information the same day and needed nothing additional however they are not doing anything to get to the bottom of this. They can clearly see the transactions are not at all associated with myself. It has been long enough, I am requesting immediate use of my gifted funds
Consumer complaint received 2023-03-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX ; Experian and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Equifax is reporting Chapter XXXX Bankruptcy I NEVER filed. I repeatedly complained about it for over 6 months, but it's still there. I believe they are NOT doing any ACCURATE data verification. 

I had to go to an attorney and pay him to search PACER database to get attached report. 

I have never, ever filed any bankruptcy in my life. 

Please help me. I'm attaching my SS card so you can see my SSN on the Pacer report. 

This has negatively impacted my credit so much that I'm not able to get the credit I deserve.
Consumer complaint received 2020-02-26
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. (CA)

I applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I applied for a loan at XXXX XXXX XXXX today XX/XX/20 and I was not approved because there is an account reflecting badly on my credit history. The account is from XXXX XXXX. I am not affiliated with this company and I have never opened an account with them. I have never signed any contract with this company and I did not allow them to run or access my credit information. I did not benefit anything from this account such as money, goods, services or any other benefit and I did not contribute to any payments made towards this account. I have already filed a police report regarding this unauthorized account.
Consumer complaint received 2023-03-25
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. (CA)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX with XXXX XXXX XXXX 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 2023-03-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/2023 I sent 3 letters to all 3 credit bureaus ( Equifax, XXXX and XXXX ) by certified mail, to remove the account that was reporting inaccuratly three different amounts and three different dates amongst all 3 and should be remove from my credit report due to USC 15 sec 1681 i ( 5 ) and those actions have not been done.
Consumer complaint received 2022-10-14
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)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( XXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Balance {$11000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

Navient is violating the Debt Collection Rule under the Fair Debt Collection Practices Act that was issued on XX/XX/XXXX. 

Navient has called me 9 times in a 7 day period and twice in the same day *after* speaking with a manager ( XXXX ) about the debt. The manager also threatened to send the matter for litigation before my supposed amount of time and stated I should really look up what default means and then proceeded to state " I can see you own a home '' - as in she was threatening the home I own but also threatening the 2 other people on the deed, this is a continuation of the harassment I have been receiving from Navient. They are also violating my state 's ( Connecticut ) 2 Party XXXX law when I have repeatedly stated I do not consent to being recorded- multiple Navient employees have ignored me and have even made statements such as " by you staying on the line that is consent '' - which of course is very false. Navient has stated to multiple agencies they have not violated this law, except - call logs show extended time on the phone and of course ... .there are recordings. I have been hung up on, Navient sends me emails stating I have a " dedicated account representative '' even though that person has never once contacted me and when a Navient employee calls and I state I was told I have a " dedicated account representative '' they ignore me. 

The attached will show Navient calling me from a NY based phone number as well as their manager calling me from a DE based phone number. 

All calls stated below were answered by me except the XX/XX/XXXX XXXX but that was placed in the same day that I picked up earlier in the day. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after ending the call with the manager, another XXXX conversation with an employee ). 
XX/XX/XXXX = XXXX XXXX XXXX XXXX this makes the 3rd in one day, and I expressly asked the employee on the XXXX call if I was going to be called again at night as it was apparent Navient placed me on a 2 call per day harassment schedule - one at the XXXX hour and the other at XXXX hour, does not matter if I picked up an earlier call or not. 

XXXX Navient has violated this rule once before
Consumer complaint received 2021-06-16
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused 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 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/XXXX I spoke with a representative ( male voice ) who presented the opportunity to paid my balance if I were to set up 6 monthly future payments. I would no longer have credit available at XXXX 's however after making the very specific payment amounts my account would be paid off. The schedule for payments are as follows and each payment was made through my bank account at XXXX. 
XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ Finally payment was to be XX/XX/XXXX - XXXX $ however due to my recent discovery I have now cancelled that payment to be withdrawn. 
This month I discovered that Synchrony has my account balance as {$460.00} and that it is 105 days past due and delinquent by {$180.00}. Even though each month they have pulled the payment reflecting it as if I made a phone payment. In addition Synchrony has added a {$39.00} late fee to my account each month on top of the interest rate. 
As a result my account reflects a higher balance than before I made the 6 month payment arrangement. They have not reviewed the phone call made with the representative and continue to call each day trying to collect the balance or get me " into '' another financial arrangement. I have asked to hear the recorded phone calls but was told I would need a subpoena to do so. I have sent a request for statements from XXXX until present to be sent to me as I elected to receive ebill back in XX/XX/XXXX. 
I am asking for your assistance as I feel very bullied by this company. 
Acct # is XXXX
Consumer complaint received 2020-07-30
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. (TX)

I contacted the bureaus in regards to my credit score dropping significantly and the amount of hard inquiries that were on my reports. I have contacted the bureaus about my concerns and I have a number of hard inquires on my reports that I did not authorize and they will not remove them from my reports which is hindering my scores. I also contacted them regarding my score dropping 90 points when there were no changes in my file. I would like this resolved and for the hard inquires to be removed immediately.
Consumer complaint received 2017-01-31
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

my payment is due on the XXXX, i received a call on the XXXX at XXXX saying they did n't received my payment. I told them that i would be sending a payment on my payday which was the XXXX, they told me i would be in default if payment was n't received by the XXXX of XXXX. well my check was short by error, my job is fixing that. I call 800loanmart to let them know they said the same my payment will be in default by the XXXX. This morning ( XXXX/XXXX/17 ) i get a email telling me i broke an agreement by not making the payment on the XXXX. my question is is this harassment if I 'm not 10 days pass due. I thought there was a XXXX grace period. Can you help with this.
Consumer complaint received 2018-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (MI)

A company by the name of XXXX XXXX, is trying to collect funds from me and I have no business with them. I did not no who they were until I was served a summons and complaint, I then responded and they stated they were trying to collect a debt possibly owed to XXXX XXXX XXXX. I then sent a request for verification and Validation of the debt to their attorneys office ( XXXX XXXX XXXX XXXX ). They only sent me computer generated copies of statements that may or may not be accurate. We had a court hearing XX/XX/2018 and we are to return to court for possible trial, in the near future. The attorney sent from the law firm tried to get me to sign off and admit to a debt that I don't owe. She also seem to think my wife and I were not able to understand she was representing XXXX XXXX and she was not the collections agency, but the law firm. XXXX XXXX is trying to get a judgment against me and ruin my credit. Unfortunately for them I will fight this to the end and if this ends up in a much higher court so be it!! They go around purchasing debts that don't belong to them, for near to nothing prices and expecting to collect large amounts of funds, not owed to them.
Consumer complaint received 2020-07-30
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. (NY)

I disputed my payment history with XXXX XXXX XXXX since they incorrectly reported two payments as being 30 days late. After Experian refused to correct the payment history, I reached out to XXXX and they stated that they did not show any history of late payments in their records, Experian, however, refuses to fix the payment history on this account.
Consumer complaint received 2019-09-25
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. (TX)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-02-26
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)

I just sent a letter to XXXX ( their address is on their website. ) I couldn't even get into my XXXX  OR XXXX   because whoever is using my information ( and apparently working under my SSN! ), has been doing this for awhile. Therefore, I can't answer the security questions. It has been a very long time since I checked my credit reports, and I can see there are several accounts on the Transunion credit report ( that are NOT mine. ) I am on XXXX, so I drove down to the Social Security Office and alerted them, as well. I recently found out, also, from the manager at my section 8 building, that someone has been WORKING under my SSN. Apparently, this person is somewhere in California. I am in Florida. This is when I reported it to the local SS office here in XXXX XXXX XXXX, Florida. My next move is to file a police report and alert the IRS. I couldn't get into my XXXX and XXXX  reports, which is why I'm submitting this information for help, in hopes they get alerted as to what has happened. Thank you so much for your help and time, in advance. 
Sincerely, XXXX
Consumer complaint received 2020-07-30
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. (NC)

I previously disputed a collection from XXXX XXXX appearing on all credit reports the collection company XXXX responded to CFPB stating the collection item was placed on hold pending a financial application review from original creditor my problem is the collection company continues to report item to the 3 credit bureau companies if in face the original creditor requested a hold why is it still being reported? 
Original response from medicredit is attached showing item is placed on hold
Consumer complaint received 2021-03-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I just resolved a complaint with M & T in XXXX XXXX. As we were resolving that complaint, a XXXX transaction that didnt belong to me came into the account. I alerted them immediately that the transaction was invalid and didnt belong to me. I told them to return it immediately because the money did not belong to me. M & T refused to return the money. I have been in touch with the individual that sent the money in error. We have conducted business in the past but he sent the money in error. I explained this to the bank and they refused to return the money. The individual is now considering pressing charges because the {$400.00} has not been returned. I am asking the CFPB to investigate this matter. The bank was trying to clear up the left over negativity balance in my account. They refused to return the money even after my continued requests and then demands to return the money. I will share this complaint number and all correspondence with the individual.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (TN)

Freedom Mortgage company bought my mortgage from XXXX XXXX company in XXXX 2015. I made my last payment to XXXX in XXXX 2015 and every payment after to Freedom Mortgage. XXXX sent the XX/XX/XXXX payment to Freedom Mortgage 3 days after they received it from me. In XX/XX/XXXX I sent 2 payments to Freedom Mortgage, one I put a stop payment on because I had the wrong account information on it the other had the correct account info. 

I have sent Freedom Mortgage proof of payments for each month ( XXXX XXXX {$940.00} electronic payment to XXXX, XXXX XXXX {$940.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom, XXXX XXXX {$930.00} to Freedom ). I have been trying since XXXX XXXX to get Freedom Mortgage to apply the payments to my account and bring me current but to date they still have not. I also had an escrow balance that was transferred from XXXX to Freedom but they ca n't tell me much about that either. 

I keep getting harassing phone calls and threatening letters from them even though I have sent them the proof of payment that they requested. I even had a 3-way call with XXXX and Freedom Mortgage where XXXX tried to tell Freedom that they received the money and within 3 days transferred it to Freedom, but even that was not good enough. 

So six months later, after talking to supervisor after supervisor and being promised to resolve the issue or escalate it higher, I still can not get this issue resolved. I have been accessed late fees and negative marks on my credit file all because they are not willing to do their job. 

How is it that a mortgage company can get away with destroying a person 's livelihood and credit? Who holds these people accountable? I think Freedom Mortgage is in the business of hiding or conveniently misplacing payments in hopes of a quick and easy mortgage take over. This company should be investigated because of their questionable business practices.
Consumer complaint received 2021-06-16
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.