davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX  ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX since we've owned the property in XXXX, and this is XXXX of  XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-09
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (LA)

My Loan was transferred form XXXX XXXX to Gregory funding on XX/XX/2021 I reached out to Gregory funding several times to send me a detail written explanation of my payoff amount of all XXXX of my mortgages for about eight months they had no record of all XXXX of my loans so I ask to start the loss mitigation process so I complied and sent all requested doc all still they will send me information on my loans individually now they are say my default rate is 14 % and have added {$150000.00} yes XXXX XXXX and XXXX XXXX dollars to my balance with no detail explanation
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (OR)

My student loan was recently transferred from XXXX XXXX to Firstmark Services. Firstmark is now the servicer for my account. They had me register online to receive online services with them. I successfully did this. But now, for no reason, I've been locked out of accessing the account. Everytime I log in, they tell me I have the wrong password and that if I continue trying to log in, my account will be locked. When I try to reset the password, the wesbite says it has no record of my account and told me to call to speak with an agent. 

I called an agent. She could not locate my account. She would not put me in contact with IT. She said she would write a note, and maybe call me in a week. If I didn't hear back from her in a week, that meant that they still did not solve the issue. I asked if I could be issued a work order to make sure that someone was following up on this. She says they don't do this. 

This is unheard of. I've never heard of an organization with online services not having a way for someone to track IT problems. Without access to my account, I fear that I will be unable to make timely payments and I will be in arrears through no fault of my own.
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (PA)

This company is currently showing 30 days late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AL)

I purchased a graphics card from an individual on XXXX marketplace on XX/XX/2021 and paid them through XXXX. The item he was supposed to send he sent a picture of and what I received was a box that was too small to have had the graphics card in it. I will attach pictures to show the difference in what was supposed to be sent and what I received. I contacted chase bank and they refused to dispute the charge or do a charge back for the amount of {$1400.00}
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

On XX/XX/2020, I set up automatic payments on https : //www.tmscustomer.com. I have 10+ credit cards and 2+ mortgages, whenever I set up an automatic payment, it is effective immediately. 

On XX/XX/2020, I was rushed to the emergency room and I had XXXX and XXXX. I was hospitalized for 5 weeks. I was so ill, I was not able to care for myself to include being able to XXXX due to XXXX XXXX XXXX & not being able to XXXX on mobile devices due to the symptoms of these illnesses. I was released from the hospital on XX/XX/2020. 

On XX/XX/2020, I double checked https : //www.tmscustomer.com to ensure my payments were current and everything was smooth. Unfortunately, I found out that wasn't the case. Therefore, I made my payment immediately for XX/XX/2020. 

I contacted TMS Customer Service the following 2 business day ( XX/XX/2020 ) and ( XX/XX/2020 ). I was informed that automatic payments take 1 month to be effective and I informed them it was an error on there end because I wasn't informed of this. 

Additionally, I was advised by XXXX, XXXX & XXXX to contact them directly to dispute the late payment due to their error and due to me contracting XXXX. 

On XX/XX/XXXX, I spoke with 3 different representatives. One representative informed me she would dispute the information but was not 100 % sure on this case. Another representative refused to let me speak to the credit department and told me to call her on XX/XX/2020 which I did and she informed me my request was denied and she wouldn't suppress the information due to the above errors and illnesses. 

Please remove/suppress the late payment for this error.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (GA)

Ref : CFPB Case # XXXX It is requested the closed referenced case be reopen. My reason is as follows : Zales or XXXX XXXX has not responded to me other than what XXXX XXXX sent to CFPB indicating they would conduct an investigation. Nearly ninety days has come and gone and not a word from XXXX or Zales as to the results of their alleged " investigation. '' However, I am nearly 100 % sure XXXX will note, as in the past, they sent me a letter but I have no record or ever receiving a response to their investigation and I keep excellent records. 

It is requested CFPB become involved and determine if I may have some closure to the issue previously contained in my complaint to CFPB ofXX/XX/XXXX, 2017. If XXXX XXXX has not issued a credit to my Zales credit card account and they have denied my claim, I will need their response if I plan future recourse through our local courts. 

I am almost certain that I can not be a lone wolf that is receiving the disrespect and poor customer service from Zales and XXXX XXXX. The two entities lack any compassion for their extremely poor customer service or customer satisfaction ( please refer back to my original complaint ). 

Thank you for reading and assisting me to achieve my original goal.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (VA)

Upon review of my Early Warning Services report, I discovered there were 109 checking and savings account transactions as well as 19 status history transactions reporting from XXXX XXXX XXXX XXXX without my consent. I contacted XXXX XXXX in regards to this matter and requested them to provide me proof that I agreed to them reporting these transactions and they couldn't provide me anything. I also requested to opt out of any reporting to non affiliates such as Early Warning Services LLC which they denied my ability to opt out. Pursuant to 12 CFR 1016.10 ( a ) ( 1 ), You may not disclose any nonpublic personal information about a consumer to a non affiliated party unless you have provided initial notice to the consumer as well as notice to opt out with a reasonable opportunity before disclosing the information to a non affiliate. These actions constitute a violation for willful non compliance under 15 U.S.C. 1681 ( n ) in which damages are {$1000.00} per violation per the FCRA. XXXX XXXX is also in violation within their own privacy policy terms in regards to disclosing my non public information to a non affiliate third party. I'm requesting the removal of all transaction history items from the Early Warning Services report as well as civil liability for willful non compliance in the amount of {$1000.00} per transaction ( 128 transactions ) = {$120000.00}
Consumer complaint received 2022-01-06
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. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-13
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (PA)

The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-01-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Contacted Navient to get a head start on the topic. My student loan is currently still in grace period and starts on the XX/XX/XXXX. I owe {$27000.00} from a loan I originally only took out XXXX. It has built so much interest since I have been in school since 2010. I have been making the requested {$25.00} dollar fee to keep the interest from going up, however my rate is currently at 12 %. I have a son and am the breadwinner for my home and Navient expects me to pay {$400.00} dollars a month on the loan. I called and tried to get the loan amount down with no such luck. The only option that was offered to me was the filing for forebearance with no other available options. I am so stressed and dont know how we will survive ... trying to get as much help as possible and figure out the best options. This is not even including my fed loans either.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IL)

Recently applied and was granted a Chase Freedom Unlimited credit card. Along with the credit card, I was anticipating receiving a risk based pricing notice or an FCRA credit score disclosure exception notice- both of which were not a part of the mailing I received. Upon review of the specific terms of my credit card, it appears, contrary to what I expected, the terms offered are not materially less favorable than the most favorable material terms available to a substantial proportion of consumers so therefore a risk based pricing notice may not be required. Nevertheless, per the FCRA, credit score disclosure exception notices are still required to be provided to customers who receive the most favorable terms if the company opts to use the credit score disclosure exception notice ( XXXX ), which requires universal transmission, over the use of a risk based pricing notice, which is only required to be provided to those who receive materially less favorable terms. Upon contacting Chase regarding this, I was advised to call them- which I did today. During this call, I was advised that the credit report pulled to approve me for the Freedom Unlimited credit card contained no FICO score. Upon this call ending, I have concluded that it is highly unlikely Chase would approve an applicant without a credit score. Additionally, in the event no credit score was contained in the credit report obtained, Chase would still be required to advise me of that if they elected to use the XXXX over the XXXX. When convenient, I would like Chase to affirmatively declare that it provides risk based pricing notices rather than credit score exception notices, otherwise please forward me a copy of my credit score disclosure exception notice. Thanks!
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I pulled my credit report recently and I have information that is inaccurate. I wasnt also able to pull my equifax and XXXX. This is the second report that I have filed cfpb.com has supposedly lost the first filing i have spent 2 days on the phone even receiving a email from you to send a respond and I did and still no respond. So I am filing again. 
My name is spelled multiple ways and there are several addresses which will be listed below that do not belong to my possibly a relative or the information numerically are incorrect. I have multiple phone numbers on the report which are not mines. Accounts that should have been included in my bankruptcy that are not. And multiple hard inquires that I have not done business with that need to be removed this is a serious error and its costing me thousands of dollars in interest fees and denial letters because of inaccurate information and not properly reporting I am in distress the items listed below need to be removed immediately. 
addresses : XXXX XXXX XXXX XXXX # XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX MT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL telephone numbers that are inaccurate : XXXX ) XXXX XXXX ) XXXX employers that are incorrect : the XXXX XXXX and XXXX need to be removed accounts that are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HASNT BEEN REMOVED SHOULD HAVE BEEN INCLUDED IN BANKRUPTCY CHAPTER XXXX BANKRUPTCY IS FILED INCORRECTLY ITS NOT INCLUDED ALL THINGS THAT WERE PAID AND AGREED UPON 13 HARD INQUIRES AND 9 OF THEM I HAVE NOT DONE BUSINESS WITH AT ALL OR HAVE NO KNOWLEDGE OF THEM.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: VELO LAW OFFICE (MI)

Vello Law O ffices are suing me for a   XXXX   Bill fro m 2011. I  do not have my receipts from that far back. So I disputed this debt, unti l Vello Law  could send me proper billings from this  XXXX   XXXX . They did not do this but instead filed a document with court to force payment from me. I c alled Vello Law t o state I had disputed this debt TWICE until I received supporting info.  Vello Law  stated they reviewed my DISPUTE and filed with the court. In other words, they " DISSED '' my Dispute which is WRONG! I deserved proof that I owed . Vello Law WOULD no t supply this to me. They are also adding an addition 3 % or more interest on top of the debt! I am single, only live on a small amount of SS  XXXX . I hav e 0 s avings and I feel like I am being taken advantage of. I am fighting ba ck. Vello Law  will not listen to a debtor 's questions or concerns why they owe as well. I dealt with a girl named  XXXX  who was rude, talked over me so I could n't receive the info I needed. She was trying to intimidate me. I ended the call because I could not get the information necessary to receive info that I had a right to!
Consumer complaint received 2021-09-01
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. (OR)

I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications XXXX XXXX, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except XXXX XXXX is still reporting to Equifax that this is a true and factual Hard inquiry. I called XXXX XXXX the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.
Consumer complaint received 2019-05-14
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: Diversified Consultants, Inc. (VA)

Diversified Consultants have placed a fraudulent collection account on my credit report. I have never heard of this company nor interacted with this company at any timing. I submitted written notification to this company through certified mail in XX/XX/2019 to request written proof on the debt that was claimed on my report. I received no follow up communication nor legal proof of the debt reported.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Experian XXXX XXXX XXXX XXXX XXXX XXXX I was looking at my Credit Check Total credit report and i noticed that Experian and XXXX are reporting two unknown inquiries on my credit report. The inquiries have not been applied for by me. The inquiries are unauthorized and fraudulent. I was able to add a security freeze on my credit report so this does not happen again. I also spoke to customer service agents from Experian and XXXX and requested that the fraudulent inquiries be removed from my credit report. The bureaus will not remove the inquiries from my credit report and they will not give me a reason. I do not know what to do.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
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. (IN)

There is a hard inquiry/credit pull on my Experian Report for XXXX XXXX for XX/XX/2021 which I did not authorize, I did not approve. I didn't apply for credit with them at this time. This need removed from my report! I filed a formal dispute with Experian but they said they couldn't resolve the dispute and the hard inquiry remains. 

Initially I had applied for credit with XXXX XXXX on XX/XX/2021 and they pulled a hard inquiry on that day which is fine. However, it appears they pulled it again 8 days later by mistake. I only authorized one hard credit pull/inquiry for XX/XX/2021. I did not authorize the hard pull/credit inquiry on XX/XX/2021. I only applied for credit with them one time on XX/XX/2021. I didn't apply for credit on XX/XX/2021. 

In closing the hard pull/ credit inquiry for XX/XX/2021 needs removed from my Experian Credit Report as it wasn't authorized by me. I didn't apply for credit twice with them in an 8 day period. I only applied for credit one time. Please remove the credit inquiry for XX/XX/2021.