davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (NE)

Dear CFPB, I am writing in reference to the recent response of XXXX, Experian and XXXX to my CFPB complaints, dated XX/XX/2024, regarding the status of certain accounts on my credit report. It was indicated that the following accounts were verified on their end but are unverified and incorrect to other Consumer reporting agencies. 

As you can see, their information were inconsistent and doesn't match with each other despite obtaining all their records from the same person or entity or creditor. 

XXXX XXXX XXXX - Account # : XXXX- Same Inconsistent Details XXXX  XXXX XXXX XXXX XXXX XXXX  ) - Account # : XXXX - Removed in Experian and XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX - Removed in XXXX on XXXX Given that the other major credit bureaus have acknowledged and acted upon the removal of the mentioned accounts, it raises questions about the accuracy and thoroughness of the verification process. I need detailed information on how these reporting agencies validated the authenticity of these accounts. 

I am eager to resolve these discrepancies promptly. It is crucial that my credit report accurately reflects my financial standing. If there are inconsistencies or errors, I kindly request that they must reevaluate thoroughly the verification process for the mentioned accounts and consider their removal. 

Thank you CFPB for your assistance, as always, you have helped me on how to resolve all of these incorrect reports. 

Respectfully, XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AZ)

I went to Jc penney to buy my children clothes since they had not have new clothes in a while and they really need it it. The register lady asked if i wanted apply for a credit car and my response was no she asked why and I told her I never get approved and also did not want anything to do with a credit car store anyway aince I had a problem with one recently.she told me I could apply just to get a discount from my purchase just to save me money so Ofcoarse I accepted to apply for the discount as I knew I was going to be denied anyways .so She said I was appoved I worried and told her ok but I do not want a credit card so I dont approve of opening it she said no problem that I would still get the discount for chekimg if I could be approved for one so Before paying ahe asked me if To get 10 % of that she wanted to save me more money that I could not pay the full balance of my pirchase and then just pay when I needed to pay on the credit card and then cancel the credit card after making my full purchase I again told her no I do not want a credit car at all Ill skip the 10 % which made more sense as of I do not want a store credit card she said ok its fine so I asked I wont be getting a credit card right she then answered no she said that I will still get the discount just not the 10 % more so I was relieved but here I am with a jcpenney credit card which I repeatedly told ger I did not want the Jcpenney credit card that all I wanted was the savings she mentioned that I would get just for chekimg if I would get approved so this person opened this credit card by with all this lies and acting like a good person just trying to save me money .I trusted I wouldnt get a credit card since I told her several times I dint want it please help I will not be applying anymore even if they tell me just to save me money.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

A privacy issue concerning my personal information on my credit report. I am invoking my rights under the Gramm-Leach-Bliley Act ( GLBA ) and seeking clarification regarding the sharing of my personal non-public information. My rights under GLBA, which outlines provisions for the privacy and protection of consumer financial information, may have been violated. Specifically, I am concerned about the unauthorized sharing or use of my non-public information. I am requesting the following information to ensure compliance with GLBA : Documentation of Consent : Please provide any documentation that demonstrates my explicit consent ( OPT-IN ) for the sharing of my personal non-public information. This may include signed agreements, contracts, or any other relevant documents Initial Notice : Kindly supply a copy of the " initial notice '' that should have been provided to me at the establishment of the customer relationship. This notice should outline the terms under which my personal information may be shared. Contracts and Agreements : Furnish any written contracts and agreements between myself and
Experian that explicit

ly grant permission to share my personal non-public information. As per GLBA regulations, the sharing of personal information requires explicit consent, and consumers have the right to know how their information is being used. If the requested documents can not be provided, are not found, or do not exist, I assert that any information on my credit report related to this issue is not in compliance with GLBA. I kindly request that you provide the requested documentation within a reasonable timeframe of XXXX XXXX days from the receipt of this letter.
Failure to do s

o may compel me to escalate this matter, including filing a complaint with regulatory authorities, to ensure my rights are protected under the law. I only received the attachment no proof of written contracts and disclosures that I signed giving you consent to share my NON-PUBLIC personal information And sell my information for MARKETING ARE NPI VIOLATION
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.
Consumer complaint received 2020-11-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: Self Financial Inc. (GA)

From : XXXX XXXX Sent : Saturday, XX/XX/2020 XXXX XXXX To : Self XXXX Subject : questions for self about inquiries Will I still receive my credit card if my savings progress has unexpectedly gone down. I have attached below screenshots of my savings progress. 

Sun XX/XX/2020 XXXX XXXX : To receive the {$540.00} dollar plus cd interest after the 12 months can I upgrade to the 12-month plan? This is for cancelling my original plan.

After contacting the major credit bureaus, they informed me of how my credit score could be impacted.

Inside your account dashboard, your Savings Progress is the approximate " cash '' v
alue of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ).

While it may seem alarming to see your funds decreasing, your final payout, if the account is kept open until the original maturity date, will still equal the original loan amount if all payments are successfully submitted. Your funds are not 'disappearing ' they are applying appropriately to the interest amount. 

The formula for Savings Progress is : XXXX Principal ( loan amount with no interest ) - ( minus ) remaining loan principal - ( minus ) loan interest accrued to date ( minus ) outstanding fees ( if applicable ) - ( minus ) CD withdrawal fee ( if canceled early ) = Total Refund Amount
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

To Whom It May Concern regarding loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please correct the payment records for the current amount due, the XXXX payment was made on XX/XX/XXXX, I am attaching payment history and proof from XX/XX/XXXX to present. 
I resumed making payments from the forbearance in XXXX of XXXX, below are the payment dates and amounts. 
XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$1900.00} Starting XX/XX/XXXX modification trial payments, the check dates are the day they cleared the bank XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$1100.00} Check # XXXX XX/XX/XXXX {$2400.00} Cashiers check # XXXX XX/XX/XXXX {$1700.00} Electronic payment The loan modification contract dated XX/XX/XXXX asked for a cashiers check for XXXX and XXXX payments of XXXX each, I called Loss Mitigation and told them I had already paid XXXX for XXXX payment, I was instructed to send in the difference of {$2400.00}, which I did. 
On XX/XX/XXXX I made a payment of {$1700.00} Please correct your records to show my account as current. 
Thank you XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting 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. (NY)

I have XXXX inquiries on my report that were not removed and need to be immediately because of inaccuracies and unknown sources the said inquiries are XXXX cards XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-04
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: TD BANK US HOLDING COMPANY (CA)

Today, XX/XX/2020 at XXXX PST I purchased one item at Target. 
When I got to the register, the cashier asked me if I had a rewards card with them and I said I think so, but I didn't find it in my purse. She asked if I wanted a new one and if so I can get a 5 % discount on my purchase today so I said ok. She took me over to the customer service and asked for my Driver 's license so I gave it to her. I asked would she have to run my credit for any reason and she said no, absolutely not! After the " application was complete she told me that I have a {$40.00} gift card I can use right now or later. I don't shop there much so I said I'll use it now! 
Then she handed me the receipt and told me to use this when I shop until my card comes in the mail! The receipt says I had a line of credit for {$500.00}! I was livid! 
I reminded her that she said she did not run my credit! She apologized and said she didn't know my credit would be ran! I explained that I did not want any credit at this time! 
I went home and called their customer service number immediately, in fact it was literally 49minutes after the purchase occurred! I spoke to XXXX in credit services and he said he can clos the credit account since it was done in error, but to reverse the hard inquiry could take up to 60 days! I asked to speak to his supervisor. Ms. XXXX said she can't do anything about that. I explained that I used to be in mortgage lending and we did " rapid rescores '' with credit bureaus all the time! I pleaded with her to call XXXX, with whom they ran my credit, especially since this a same day transaction that occurred literally an hour ago! 
She also said she could only give me corporate 's address, no means to contact them by phone our email! I am in the process of selling my home and i need to use financing to make large purchases right now! I can not wait 60 days for my FICO to return to it's glory!
Consumer complaint received 2017-09-14
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. (NM)

I have had an auto loan with XXXX XXXX XXXX for over 1 year. I am told by the company that they use a " 3rd party agency '' for reporting to both XXXX and Transunion. My XXXX report from the time I opened the account has not reported properly. The balance goes up and down for no reason. XXXX is reporting only 3  months of good payments and they are separated by 3 months of no status, which should also show good payments. The account has been in good standing for over 1 year and over 1 year of payments have been made. My account and score would reflect positively if this account were report properly. The constant mis-reporting and incorrect information is taking its toll on my credit score. I have presented my XXXX report to XXXX XXXX XXXX and with them we identified that information showing was incorrect. As of today, X/XX/17, XXXX XXXX XXXX has confirmed that the balance shown my XXXX is again, incorrect according to their records. In addition, the " 3rd party agency '' that XXXX XXXX XXXX has hired, supposedly reports to Transunion. The account has never once shown up on my Transunion report. It has never reported to Transunion for over 1 year, since the account was opened. I am told by XXXX XXXX XXXX that they are in the process of reporting to XXXX as well. This has potential to create a great deal of damage to my report through more incorrect and inconsistent reporting.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (FL)

I received an alert from all 3 credit bureaus informing me about a collection that was placed on my credit. 
The name of the collection company is IC system. I never received any letters or debt validation from this company. I know my rights and I understand my consumer rights to dispute any information that is in error or not mine. I tried contacting this company about validation of the debt they claim I owe them. I need this company to send all signed documents stating that I agreed to pay them {$460.00}. I also need original copies and agreements between myself and this company. I do not have any knowledge about this debt they claim I owe. I am a very responsible person and this collection that they sent to the 3 major credit bureaus is damaging to my credit. PLEASE NOTE I DID NOT HAVE ANY HISTORY OF LATE PAYMENTS OR COLLECTIONS UNTIL THIS COMPANY PUT THIS ERROR ON MY REPORT.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I trust this message finds you well. I am writing to bring to your attention an issue with my credit report that requires your assistance in resolution. 

Upon reviewing my credit reports, I have identified an inaccurately reported late payment. I have made several attempts to contact the creditor in question to address and rectify this discrepancy, but unfortunately, I have not received any response. 

In accordance with the Fair Credit Reporting Act, I would like to highlight that XXXX  Account # XXXX has violated my rights : 15 USC 1681 Section 602 : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

I kindly request your support in investigating and resolving this matter promptly. Your assistance is crucial in ensuring the accuracy of my credit report.

Thank you for your prompt attention to this concern. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-01
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: BARCLAYS BANK DELAWARE (NY)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (OR)

There were 2 fraudulent charges on my card on XX/XX/XXXX for $ XXXX/each from XXXX. I filed a complaint with Direct Express as required along with filing a police report locally and an FBI report online. I canceled the card on XX/XX/XXXX and was charged {$13.00} to expedite new card. On XX/XX/XXXX I was given 2 Provisional Credit Adjustments for $ XXXX/ea. On XX/XX/XXXX a new fraudulent charge by XXXX for {$120.00} was placed on the NEW card. Did all of the same stuff as I did with first fraud less the FBI report. Canceled the card and again paid {$13.00} expedite fee plus a {$4.00} new card fee on XX/XX/XXXX. On XX/XX/XXXX two {$200.00} Provisional Credit Reversals were on my account. On XX/XX/XXXX two Reversal Credits for {$200.00} were applied to my account. On XX/XX/XXXX XXXX Reversal Debits for {$200.00} each were applied to my account and it now sits at - {$400.00}! The XXXX charge is still currently in a provisional credit status for {$120.00} from XX/XX/XXXX. Due to all of this I decided to find a new banking institution and got all of my money out of that account on DirectExpress mastercard. I've been getting the runaround with DirectExpress and  their customer service is non-existent it takes forever to get a person and then they can't/wo n't do anything to help. Worst company I've dealt with ... EVER they need to be shut down!
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (IA)

XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Providian National bank have been garnishing wages on on a old credit card account that was charged off before XXXX. This company filed a small claims judgment in the amount of {$2600.00} XXXX/XXXX/XXXX. In XX/XX/XXXXthey began more legal action to get the judgment amount. The wage garnishment started XX/XX/XXXX and has every year until now. They have thus far collected {$2300.00} since XXXX yet the amount owed on the judgment keeps going up ( its up to {$6200.00} ) currently  because this company is still adding interest on a account that has been closed before XXXX and charged off. I do not feel responsible for these so called finance charges and take responsibility for the original judgment of {$2600.00} which is almost paid up. I think this company is taking advantage and unfairly charging me these outrageous amounts for a credit card I have not had in almost 10years. These  garnishments really put financial hardships on single parents like me who are trying to make ends meet and trying to pay off debt.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (NH)

On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

When I tried to get my credit report from XXXX, I am able to get my credit report from XXXX and XXXX after verifying my identity. 
Equifax comes up with a system errors. I have tried couple of different days, assuming that they are having system issues, but I get the error page every time.
Consumer complaint received 2019-06-07
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. (OH)

These items below do not belong to me or anyone i know. I have tried to fix this myself and have gotten no where. this is keeping me from buying a home XXXX XXXX XXXX Opened XX/XX/XXXX {$140.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$66.00} Original creditor : 01 XXXX XXXX XXXX   XXXX XXXX XXXX Opened XX/XX/XXXX {$640.00} Original creditor : 11 XXXX