davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (PA)

In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX  Account # XXXX. USDOE/XXXX  Account # XXXX. XXXX Account # XXXX. XXXX XXXX Account # 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 Section604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-26
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. (TX)

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.
Consumer complaint received 2018-02-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GENTRY FINANCE CORPORATION (OK)

I got a payday loan and my payments were current until XXXX when I separated from my husband. I have received numerous collection calls both on my personal cell and at my place of employment. My supervisor has told the company over and over that I am not allowed phone calls at work, yet they continue to harass me. I told them that I would pay them off as soon as my income taxes came in, however, they persist in calling my employer. Today, my boss specifically called me into her office when she called and I heard her tell the company that I was not to receive calls at work or else I would lose my job. The company manager replied, that she would continue to call because I had signed a paper saying she could call. My boss then told me if she calls again, I will be terminated. From everything I am reading, the finance company should cease harassing me at work. While I was on speakerphone with both my boss and the company, she disclosed personal payment information that was confidential as well.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Consumer complaint received 2021-10-12
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: CITIBANK, N.A. (MA)

I filed a complaint with CFPB about this dispute on XX/XX/2021. 
( Complaint ID : XXXX ) Citibank decided in my favor and issued a monetary refund of {$29.00} for Dispute Case ID : XXXX. 

On XX/XX/2021 I received a letter in the mail from Citi 's dispute department stating that the case had been re-opened and advised that if I no longer needed it to be investigated, I should withdraw the dispute. 

Of course, since I received the refund, I needed nothing investigated any further, so I did what they said and withdrew the dispute. 

Now their convoluted system has taken the {$29.00} refund back, with no way to dispute it again! 

I'd like to get this corrected, get my {$29.00} back and finally be done with this dispute.
Consumer complaint received 2021-08-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IL)

For 2.5 months I have been trying to get Ally Bank to report my account as paid in full. I paid my loan off early and have never missed a payment. They are still showing the account owes $ XXXX on credit bureau reports. The bank has refused to do anything about this.
Consumer complaint received 2020-12-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

Real Estate Agent XXXX XXXX was currently working with Paramount Residential Mortgage Company, PRMG Loan Officers XXXX XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX On two of these files, XXXX recommended the use of a credit repair service in order to raise the clients credit. This resulted in the credit repair company stealing the monies from both clients and XXXX did not want to help with the situation after his recommendation. 

This occurred twice. The last file I removed from XXXX XXXX office in order to close with another financial institution. 

XXXX has been doing this to clients with no reprocussions.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have contacted this company on several occasions on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX to update my personal information they assured me it can take up to 30 days to reflect the changes and still NOTHING! I sent them a letter also to correct my addresses twice still nothing which led me here. Experian is reporting inaccurate information on my credit profile.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following disputed items : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2020-01-28
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. (MI)

Chapter XXXX Bankruptcy XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX   {$28000.00} XX/XX/XXXX XXXX XXXX - XXXX   {$570.00} XX/XX/XXXX XXXX XXXX   XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1300.00} XX/XX/XXXX XXXX
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for the American Express Gold Delta SkyMiles credit card on XX/XX/2018. The credit card offered XXXX bonus miles after spending {$2000.00} plus XXXX bonus miles after spending another {$1000.00}, plus a {$50.00} statement credit after my first purchase with XXXX. 

American Express reps now tell me that because I had this card before they will not honor the terms of the bonus offers. I have enclosed screenshots of the terms for the application and nowhere does it say that I would be ineligible for the bonus offer on this card because I had the card once in the past.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?
Consumer complaint received 2021-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (AL)

I had extensive work done on my house last XXXX. The insurance put PennyMac on the check as well so I sent it to them for endorsement. I paid {$3000.00} out of pocket for the work, but still owe almost {$4200.00}. For the past 6 months, PennyMac had me jumping through hoops, submitting a ridiculous amount of unnecessary paperwork. I submitted everything they asked for. They continuously gave excuses for why they would not release MY funds. Documents they previously accepted suddenly had new issues. I resubmitted everything. I had their people do the final inspection they required, yet they still refuse to sent my funds. The work was done almost a year ago and they still have excuses for not sending me my money. The final inspection has been done since XXXX. I will be happy to have my XXXX file a complaint too, because they have suffered this inefficient companys circus as well.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. I have not ever received serves from this company. When I called American Profit Recovery that sent the letter, I asked what the date, animal and who authorized care with a signature was. I was told they would supply no information to me and I owed the amount of {$100.00}. APR told me the matter would be dealt with by XXXX, not them since I dispute the debt. 
I would also like to know how my information, address, was found by this company since I have not ever used their services. I was a prior employee of XXXX XXXX XXXX, who owns XXXX, and I am concerned that they have gotten my new address somehow and are attempting to bully me into paying a bill that is not mine because I left their company nearly 3 years ago.
Consumer complaint received 2019-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

I have requested an investigation be completed by XXXX, XXXX, and XXXX   to request the data furnisher of my student loans, Nelnet Inc. report my payment history on both my accounts accurately. The dispute came back as verified, however clearly the reports are inaccurate. 

On XX/XX/XXXX, I reviewed my credit reports provided by XXXX XXXX. I found the following errors : The XXXX and XXXX payment history on both accounts show XX/XX/XXXX as OK, then the next month on XX/XX/XXXX the payment history shows 90 days late, ion XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XX/XX/XXXX shows 120 days late, XXXX shows 120 days late. The payment history is clearly inaccurate. How can I be OK one month and the next month on XX/XX/XXXX be 90 days late. Please correct immediately. According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. 

The XXXX payment history on both accounts show OK in XX/XX/XXXX, and the very next month in XX/XX/XXXX as ninety days late. This is physically impossible, and clearly inaccurate. The next month in XX/XX/XXXX the payment history changed to 120 days late, the in XXXX it shows 150 days late, then in XXXX  180 days late, then in XXXX of XXXX 180 days late. 

According to the Fair Credit Reporting Act all reported accounts must be 100 percent complete, verifyable, timely, compliant, and accurate. According to the FCRA, the data furnisher is subject to fines and penalties if the information is not verified accurately, timely, and within compliance.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (SC)

XXXX XXXX, 2020, American Express National Bank transferred via ACH {$700.00} from my savings account to American  Express Card Services. It did not post to my Amex card account. They can not say where it went, neither can American Express Card Services. I had to send them a letter asking them to investigate. No response so far.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (GA)

I have no idea who Diversified Consultants Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Diversified Consultants Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Diversified Consultants Inc as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ Diversified Consultants Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Diversified Consultants Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting  negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (CA)

Santander # : XXXX is mistakenly reporting me late. I recently traded in my vehicle and a check was mailed to payoff Santander in full. I called and spoke with a representative at Santander and they confirmed they received the payoff check. Then suddenly, Santander lost the check. For this reason, I had the dealer cut out a NEW payoff check with a tracking number this time. Which was delivered before the 2nd late payment was due. Please remove the late payments Santander is reporting on me as it was a mistake on Santander. Please audit Santander 's phone calls to verify claim. Also, please see my attached supporting documents. 

As you can see in my report I have no other late payments for quite some time and am able to provide all documents and info tracking trade in and dates.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

On XX/XX/2020 I received a message from what I thought was Chime my banks account stating I was approved for a higher " spot me '' bonus which allows you to overdraft for free, I clicked on the link and entered my login credentials only to find out out it was a scam,. 

XX/XX/XXXX I received my unemployment direct deposit for XXXX $ from the previous 2 weeks into my bank account while I was starting a new job and I was in the car with my new boss and a transfer I did not authorize took place to a person named " XXXX XXXX '' in the amountnof XXXX $ on XXXX XXXX 2020. I immediately contacted the bank and told them I wanted to dispute the transaction as I had not given authorization for that nor did I transfer the money to this person, I also was on the phone with a customer service representative and he was watching transactions for a website ive never been on in my life take place called XXXX, I immediately started a dispute and a investigation and was returned with an email on XX/XX/2020 stating during their investigation they found NO error in the transaction which is false because I offered the photos of the emails I received from a scam email that was labeled as my bank and they refuse to give me my money back or open a new investigation. I did not authorize this transfer of these funds and I did not authorize thisnperson access to transfer these funds, I am receiving 0 help from the Chime banking institution and I have emailed the CEO and Owmer but have not received a response.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

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 2019-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2019 a check was filled out using my name and checking account information in the amount of XXXX in the last name XXXX and was mobile deposited into a XXXX XXXX account. My bank TD Bank was not authorized to RELEASE these funds because the check was bogus and the name didn't match my name used on my checks. This is the 4th time my account has been compromised and I should of switched banks years ago! I'm told now that I will have to wait a total of 100 Days to be reimbursed. This is not my problem and the bank should give me a provision credit but is refusing to do so! I live pay check to pay check so this truly is affecting my family not being able to pay our rent! instead I paid someone else rent? 
Please help Sincerely, XXXX XXXX
Consumer complaint received 2019-03-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I've been back to different branches and I always get the same answer. " We can't find it, tough luck huh. '' I've gone through a few state agencies and now I am almost at the end of options.

This complaint is about a CD that my mother had with a bank when she was living. We tried extensively with several of the branches but to no avail.

We cashed in one but they are saying they can't find the other one.

My mother has since passed on and I am trying to to get them to do the right thing.
Consumer complaint received 2023-03-26
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-05
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: RentDebt Automated Collections, LLC (MS)

This company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.