davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (LA)

I took out a private student loan back in XXXX to fund my out-of-state tuition at the XXXX XXXX XXXX XXXX . My ex-husband cosigned. We have now been divorced for 16 years and he is still on the loan. I have been paying the loan by myself as was agreed upon in our divorce agreement. My loans were consolidated and are now with Nelnet, yet he is still on the loan. He continues to receive correspondence and we would both like that to stop. We would also both like to have his name removed, which should have happened when my loans were consolidated and taken over by a new company. Having the loan on his credit is negatively affecting his financial endeavors.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$6800.00} XXXX {$7700.00} XXXX {$1000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX -- Balance {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$750.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX  XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX OF XXXX {$0.00}
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-05-06
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 — Investigation took more than 30 days
Company: Lincoln Educational Services Corporation (NC)

I have reviewed a copy of my credit report and I show company LINCOLN TECH account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2023-01-18
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. (AL)

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. XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account XXXX XXXXXXXX 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 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 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (CO)

I paid my car off on XX/XX/2021 which was financed by Santander. I have made repeated requests for the title for the last 5 months and they simply refuse to release the title to me. This has caused me extreme financial distress as I have been needing to sell the car.
Consumer complaint received 2021-05-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/21, I received an alert from XXXX XXXX stating that my credit score changed. I looked at the score for XXXX and it went down XXXX points ( XXXX to XXXX XXXX. Transunion 's credit score went down XXXX points ( XXXX to XXXX XXXX. I was blown back from what I saw. 

I called Transunion and talked to several people. Everyone had the same script. They can not do anything about it. They did not know what my score was earlier in the week. They do not track that info. 

The associates and their supervisors said that my lack of open accounts possibly dropped my score down that much or the inquiry from XXXX XXXX ( in process of purchasing a home ). That made no sense. Am I being dinged for being debt free XXXX absurd )? I asked why this magnitude of a drop is not happening at the other bureaus. They would not answer outside of that is the way their system works. 

As I stated before, my wife and I are in the process of purchasing a new home and my score does not look good in the eyes of the lender. I need my score to get back to where it was.
Consumer complaint received 2022-04-27
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. (AR)

In accordance with the Fair Credit act XXXX Account # XXXX XXXX  XXXX, XXXX XXXX, XXXXXXXX  XXXX XXXX, 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, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

On XX/XX/21 my mortgage payment was automatically processed out of my XXXXXXXX XXXX account to Mr. Cooper for the amount of {$1800.00}. On XX/XX/21 four separate withdrawals were incorrectly taken from my checking account in the same amount, each {$1800.00} for a total of {$7500.00}. These were off schedule withdrawals and should not have been taken from my account.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I performed an international wire transfer from my checking account via online services. The amount transferred was {$4400.00}, I was also charged a transfer fee. The money was taken from my checking account and the transfer fee was deducted, however the recipient bank has never received the transferred funds. I first contacted my bank on XX/XX/XXXX notifying them of the missing funds. I have sent them over 10 secured messages, went into a branch, and filed multiple complaints. As of this date I have not gotten any answers or return personal messages regarding my missing funds.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.
Consumer complaint received 2018-07-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching a copy of the investigation request I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days. Over 45 days have passed, and I have yet to receive my results.
Consumer complaint received 2021-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IA)

I still have not been provided any signed contract I have with XXXX XXXX, whether the original creditor is correct or not. So therefore the collection account is null and void. Until I am supplied a signed contract with XXXX XXXX with my wet signature I will simply keep disputing this. Under the FCRA you have to provide substantial evidence that this is indeed mine, which providing information from the original creditor doesnt substantiate that i have a signed contract with XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I opened a roamans credit card back in XX/XX/XXXX I have been paying my monthly payment before the due date but back in XX/XX/XXXX I was late twice making my payment due to decrease in pay. I did call roamans at the time to inform them that I coould not make the payments. I have been trying to clean up my credit report and they refuse to remove the two late payments on my credit report it is now XX/XX/XXXX and I have not been alte making my monthly payments I finally was able to make my final payment today to roamans and I found out that they decreased my credit limit, I used to have a XXXX dollar credit limit I had a XXXX dollar credit limit all through XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX so why did they decrease my credit I called the company and first they gave ne incorrect information they told me that the credit bureaus have control of increasing or decreasing the credit amount which I know is a lie so I called back again and a supervisor informed me that they sent me a letter explaining why my credit limit is decreased this is unacceptable because now y credit score will be affected I am trying to fix my credit report and now they ruined it
Consumer complaint received 2021-05-06
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I had over XXXX miles on my balance when I purchased airline tickets totaling over {$930.00}. I was planning to close the account after the purchase. After I bought the tickets and before I closed the account, I called the rewards dept specifically to check that I'd followed the proper procedure not having claimed rewards before. They confirmed the purchase and that it all looked fine. I then made another call and closed the account later that day. 

Upon receiving my final statement a couple weeks later, I was surprised to not see any awards applied. After a couple more phone calls, the situation was escalated.I was awarded half of the XXXX miles as a courtesy and their justification was that the charges were still pending when I closed the account. I further fought the issue informing them that I had made the extra calls to their rewards dept over this very issue before I closed the account. I received a follow up email stating they could not issue the balance because my purchase was only {$120.00}, a number not reflected in any charges and clearly a mistake on their part. 

After bringing this to their attention again, company now says they are unable to do what the email clearly shows they could have done if the amount of purchase had been higher. 

I have records of the phone calls and copy of the statement. They are denying me the remaining balance of rewards on a technicality of having closed it while the charges were pending.
Consumer complaint received 2021-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

We made a first payment on XX/XX/2020 to our loan servicer which is Shellpoint Mortgage per the loan transfer document we received after our refinance. That payment was never applied and we have contacted them no less than six times in the last 60 days asking for the payment to be applied. We have sent all of the required documentation showing proof of payment to include bank statements and electronic proof of payment from our bank. They are barely responding to us and are not solving the problem.
Consumer complaint received 2022-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit act XXXX Account # 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, public record bancruptcy XXXX, has violated my rights .

15 U.S.C 16811 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 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Consumer complaint received 2020-11-03
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. (TX)

On XX/XX/2020 I pulled my report again and noticed that XXXX XXXX is still reporting on my credit. I have sent multiple disputes in showing why this account isnt mine. Yet they are still reporting on my credit
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.
Consumer complaint received 2021-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MD)

The company sold the vehicle years ago and till this day, they are still reporting the account on my credit Even if I haven't had that vehicle in years, they are still harassing me and its illegal to still report a vehicle that you no longer have or have the rights to the vehicle
Consumer complaint received 2019-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On sunday XX/XX/XXXX I contacted a seller on a XXXX   group who would sell me items for a discused amount of XXXX bucks due to paypal fees it would come to XXXX sense then after sending him a confirmation that the money been sent he asked me to send him XXXX dollars to another paypal account when i went to sent it to the orginal one i kept getting error messages. Also he instructed me to list it under friends and family so he could have acess to the money faster. I contacted customers service they said they get back to me in 12 days but also sent the email adresses involved in the disputed transcation to paypal scam alert email address within an hour they had contacted me back saying th accounts were part of a phishing scam but when i spoke to customers servics they said no such emails were exhanged
Consumer complaint received 2017-12-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (SC)

My XXXX children attended College of XXXX for one year. We took out a loan with Great Lakes this was our only option to pay for the school. Our other option was for them not to attend. We took out a loan for about {$12000.00} for each child. At the end of two years we still owed over {$12000.00}. We were paying back the loan each month and the fees, interest rate killed us. We could not get ahead on this loan. We finally took out a line of credit loan at the bank and paid off Great Lakes. We had a % 6.00 interest rate at Great Lakes. Since taking out the LOC at % 3.00 with the bank I 'm over 1/4 of the way paying it off. Not only did I pay the loan off with Great Lakes they took an extra payment and took a month to refund it. This was the only option available at the time to finance with the College of XXXX. We paid for two years with cash at XXXX XXXX College for both our children. They both got an associates and when deciding to further their education they chose College of XXXX, and we financed it thru Great Lakes. I believe Great Lakes scammed me out of money by not applying the payments to my interest while we had the loan. The loan went down by {$400.00} in two years!
Consumer complaint received 2019-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One change my billing date with a last minute notice. I call them to ask why my billing date was just change at a last minute. I talk to some one at Capital One and discuss I wanted my date to stay at and on the XXXX  of the month. I was on the phone for 45 minutes back and forth been transferred to talk to some one higher up. I was told that the XXXX of the month to the XXXX  of the month. I called back to ask where is the letter that I was told that would be mailed out. Got the run around on XX/XX/2019 more run around was told no such call I did not call. Capital One transferred me to 3 other people like a cat and mouse game. I called back Capital One Bank Rep was very rude talking all crazy. Capital One Bank seems to have issues one rep telling me her date change and all that has nothing to do with me and is not professional in any way or has nothing to do with my issue is and the date that a rep said was going to be on the XXXX XXXX I have XXXX  accounts and was stated would be adjusted to the XXXX of the month. Call back on XX/XX/XXXX9 and told now it 's going to take 3 months to adjust but Capital one just change it at last minute. One excuse after another 3 months now. Capital One Bank seems to be having financial issues with there credit card clients paying on time so now it appears there just trying to change things for there benefit and give customers the run around.