davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

Dear Sir or Madam : I am writing to request the removal of JPMCB CARD SERVICES for regarding a delinquency of 30 days as of XX/XX/2017. I have attempted to set up minimum payments to be automatically processed, and their system did not process the payment due to an error that needed to be remedied later with a customer service representative. I have never had a late payment and I am asking that this is removed from my credit report. I am requesting the removal of this item from my credit report. I am a XXXX XXXX  employee trying to purchase my first home which is not easy, and this is negatively affecting me. Chase financial services is choosing to stubbornly cling to their belief that I have made a late payment despite my attempt to pay this on time and my flawless payment history otherwise. Please request that they remove this late payment report. 

Kind regards,
Consumer complaint received 2021-06-09
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. (TX)

Ive disputed the two Bankruptcies with XXXX XXXX XXXX and Experian that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the Bankruptcy court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are immaculate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX to be on my report as a third party representative for me again these are not mine I demand removal as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately
Consumer complaint received 2021-07-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (CT)

As a cosigner on student loan my credit report was affected. The borrower has been trying to make more payments due to COVID-19. It has negatively affected the cosigners credit score. The cosigner tried make modification on credit score so that it would not effect score. Discovery student loan is not taken in consideration covid-19 pandemic which has caused the borrower to become late with four payments. XXXX. The cosigner is trying to rectify by trying to help to borrower by making substantial amount of payments to become current. However, it still will affect the cosigner and borrowers credit. Due to covid-19 this is an unfair practice to ruin someone's credit score and potential cause misrepresentation of XXXX  XXXX payments. Negatively impacting my credit score without resolving payment status to reflect current credit score. Covid19 was not suppose to let banking instructions make false reporting due to lapse of payments. Government mandated protection against credit reporting institution from reporting late payments. Discover student loans are not following guidelines.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc. (NV)

I had a bank account with XXXX XXXX XXXX XXXX XXXX, and I was overdrawn they contacted me to make arrangements on the account, which I did they closed the account and advised me that they were going to convert the deposit account balance to a loan balance so they could send it to a collection agency. The balance on this account is for fees only for having the account.
Consumer complaint received 2020-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Since 2016, I have been the subject of harassment from Portfolio Recovery Associate located in XXXX Virginia for a debt I do not owe. 

I have made several requests to Portfolio Recovery in writing for full validation of this debt including name and addresses of the original creditor, statements and contracts from the original creditor and other documents that can prove I owe this debt, but they were unable to do so. Why? because they can not prove this debt exist. In the meantime, they continue to damage my credit by reporting this false debt, which is a violation of the Fair Credit Reporting Act. 

I ask that Portfolio Recovery either prove I owe this debt by forwarding proper validation or 1. Cease collection actions on this erroneous account 2. Delete false information from all three credit bureaus. I have enclosed documents to prove my case. 

I look forward to hearing from the bureau. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: SECURITY FINANCE CORP (OK)

I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? 
( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.
Consumer complaint received 2021-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Transunion, XXXX, and XXXX  all have furnished reports on my behave with out my written consent and arent helping remove these negative items that is imparing my trust in the banking system and the consumer reporting agency. These reports are identity theft because no consent was ever given. ( 15 usc 1681 ( B ), written consent never granted, ( 15 usc 1681 ) this information is not supposed to be included in my report
Consumer complaint received 2020-01-26
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. (TX)

I have a mortgage with XXXX XXXX, and have had it for over 10 years. For some odd reason in XX/XX/2019 they started reporting to the credit reporting agencies my balance being XXXX higher than it actually was, violating the terms of the loan disclosures in my closing documents.
Consumer complaint received 2021-07-01
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. (OH)

I have asked the company to substantiate their claims regarding accounts information reporting in my credit report Since errors may be within the account record have asked that they forward such substantiation within 30 days. Additionally, include documentation which shows that the disputed accounts are not subsequently disputed as a result of returned or recalled consumer products during the period it may have been payable. I am not requesting an account review. In lieu of that, this is a requisition for a formal documentary review. If these requests can not be met within the established time period, account compilations sent from the furnisher it must be regarded as fallacious and may evidence their desire to abridge my federal rights. Given that outcome, kindly redact such credit bureau data soon. Thank you for assisting me
Consumer complaint received 2022-04-30
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. (AL)

Equifax and XXXX have made getting a free, online credit report more difficult in recent years. After entering all required information to receive my report, I invariably get a message that I must contact customer service for my report. However, I can contact them only during limited weekday hours, and my calls seldom get through after long wait times. XXXX all but compels consumers to ask for paper copies of credit reports, because they no longer allow me to receive and download digital copies. Getting my free credit reports from these two agencies was not a problem prior to 2018, but they now require consumers to jump through multiple hoops to get what was previously easy to obtain. Enough!
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and an FTC report just like the bureau requested and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on the file between me and this company.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

The items LISTED below should all be removed & blocked from my credit report under 15 US Code 1681i ( 6 ) as it has been over XXXX  days and you failed to comply.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022 I requested a copy of my consumer credit report for Transunion. I also requested a copy of my consumer credit file. I was not able to download a copy of my consumer credit file. So I am sending this complaint so I can get a copy of my consumer credit file as well as a copy of my credit report.
Consumer complaint received 2022-04-30
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: Convergent Resources, Inc. (SC)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a 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 and purpose.
Consumer complaint received 2022-04-30
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: General Motors Financial Company, Inc. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 : it also states 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 loan under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2021-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I applied for an income-driven repayment plan in XXXX to work toward PSLF when I started working for a new public employer. I had been on the IBR program before leaving to work for three years for a non-qualified employer, and thought this was still the only program I was eligible for. I was put on IBR, which required I pay 15 % of my income toward my student loan. I was never informed that I was eligible for the REPAYE program, which started later and allowed me to instead pay 10 % of my salary. I just found out about REPAYE in XXXX, applied and was approved. Because my servicer ( via MyFedLoan ) didn't inform me that I was eligible for a lower payment, I have been overpaying by 5 % of my income for over five years. Is there any recourse to get this refunded? 

Thanks, XXXX
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transukion dropped down my credit score 53  pts XXXX XXXX reason Remark added to account, XXXX  XXXX XXXX 19  pts, XX/XX/XXXX reason XXXX, balanc increased by {$89.00} I called both of them and thry conferm me ; tbey did not reported anything negativ about me.
Consumer complaint received 2021-07-01
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: Experian Information Solutions Inc. (OH)

I sent in a dispute letter to all Credit bureaus Experian, XXXX, and XXXX on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Consumer complaint received 2022-04-30
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. XXXX XXXX XXXX XXXX  Acct # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-02
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. (TN)

I have contacted all parties ( XXXX TransUnion, XXXX, and XXXX XXXX XXXX trying to allow them to fix this matter. XXXX XXXX {$340.00} that reflect on my credit report is a fraudulent account.
Consumer complaint received 2020-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I recently pulled my credit report from XXXX, XXXX, and XXXX  and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : DISCOVER PERSONAL LOAN ( ACC NO : XXXX ) and XXXX  XXXX XXXX ( ACC NO : XXXX* ). I sent a police report to XXXX  but the XXXX reporting agency did not remove these fraudulent accounts.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo XXXX Our offer to buy a property in XXXX was accepted on XXXX XXXX. My wife processed a first transfer of XXXX from our joint Wells Fargo account to her convertible account in XXXX. Within an hour after she made the transfer we decided not to go through with the purchase. She immediately requested that the transfer be stopped. A claim was filed # XXXXand she was told the issue would be resolved in ten days. It was not. She called again on XXXX XXXX. She was told they were still researching the claim. A case number was provided. XXXX. Wells Fargo assigned the case to XXXX XXXX. XXXX. She claimed that the funds were at my wifes bank in XXXX. XXXX checked with her bank and they assured her on XXXX XXXX that they did not have the funds. On XXXX XXXX I spoke with XXXX to seek restitution of the funds. She advised me that the funds were at the XXXX XXXX which Wells Fargo decided to use on its own as an intermediary Bank. She said the funds had been credited back but not released. Requests to release the funds had been made on XX/XX/XXXX and XXXX as well as XXXX and XXXX. She had no explanation for why it took 15 days to make the first request. I asked her to send me the documentation related to my case. She said I was entitled to that. I have yet to receive the documentation. I also requested contact information for the XXXX XXXX wire transfer contact for Wells Fargo. She advised me that because I requested documentation, the case would be elevated. Later that day we got a call from XXXX XXXX Senior Escalation Officer tel XXXX. He advised that he was researching the case and would not take more than ten days. I told him that if the funds are not in our account by Tuesday XX/XX/XXXX COB that I would file a complaint with the CFPB. I will do that on Wednesday. Keeping our money for more than thirty days without our permission or authorization amounts to theft.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted documentation advising I had some inquiries on my report that I did not recognize. I received a response from CFPB that the inquiries would be removed ASAP. However, XXXX still remains. XXXX XXXX and XXXX XXXX still remain as an inquiry on my Equifax report and this needs to be removed ASAP. I am resubmitted the documentation for your reference as I did not authorize these institutions to pull my credit report nor do I recognize these inquiries. Please remove ASAP as this is a clear violation of my rights.
Consumer complaint received 2018-02-12
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. (OR)

Equifax purposefully makes it difficult to obtain your report. The qualification/verification questions are extremely precise. Nobody is going to remember what their autopay loan payment from 10 years ago was. The result of missing the questions is you are locked out. 

Then to make it worse, the website set up to dispute DOES NOT WORK. It's almost as if they don't want you to work on your credit!
Consumer complaint received 2020-01-26
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: Experian Information Solutions Inc. (WA)

XXXX XX/XX/2020 : I filled out the form at XXXX XXXX XXXX  and selected Experian. 
Experian responded with " Sorry, we are experiencing technical difficulties. '' Unacceptable. If they are required to provide the service, failure to do so must have consequences.
Consumer complaint received 2019-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

FRAUDULENT ACCOUNTS HAVE BEEN OPENED IN MY NAME WITHOUT MY PERMISSION OR KNOWLEDGE. MY INFORMATION MAY HAVE BEEN INVOLVED IN A BREACH BECAUSE I HAVE NOT APPLIED FOR A NY CREDIT OR OPENED ANY NEW ACCOUNTS