davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradeline listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

My credit reports are listing a bankruptcy from XXXX, XXXX  , & XXXX  and all 3 bureaus are saying that LexisNexis is the furnisher. I wrote LexisNexis ( on XX/XX/2020 & XX/XX/2020 ) about this issue and ask them to send me verification of this bankruptcy ( that they have from the courts ). They never sent me any proof from the courts or any were else. But the are still being listed as the furnisher of this bankruptcy with the credit bureaus. The courts are the only one who could be be the furnisher of this information to anybody and they basically said, the do not report to any of the credit bureaus or companies like LexisNexis. I have the letter to prove it. 

Then I wrote XXXX, XXXX, & XXXX ( around XX/XX/2020 ) about all 3 of them report inaccurate information on my reports about this bankruptcy. The kept sending letters back saying it was verified. I sent them proof of this and they ignored it.
Consumer complaint received 2018-07-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NJ)

Over the last 3 days I have received calls from my ex-wife, her mother, and her sister stating that an American Express representative was contacting them to collect a debt which I understand is against the law. They are not allowed to divulge why they are trying to get in touch with me. Not only is this defamation of character with are also contacting individuals I'm not even related to. I would like to stop immediately or I'm going to take legal action and I figured this was the best route initially.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-10
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. (VA)

I have reached out to Experian on several occasions regarding XXXX credit. This company has reported inaccurate information as such as 34 charge offs. I was told that this account would be removed from my credit report by the creditor if I settled but I would not be allowed to use their services again. This account should have been deleted. I reached out to Experian and they continue to allow this company to report inaccurate information and it is hurting my credit score. Please help because no one at Experian listens or helps.
Consumer complaint received 2020-07-21
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. (FL)

MY IDENTITY WAS USED WITHOUT MY KNOWLEDGE AND CONSENT AND SOMONE OPEN SEVERAL FRAUDULENT ACCOUNTS WITH MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2018-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

Merchants Credit Guide Co., a collections agency, sent me two bills, allegedly on behalf of XXXX XXXX XXXX, XXXX, even though I already paid off my balance with the alleged creditor. In fact I double-checked that I have a XXXX  balance with XXXX today, XX/XX/18. 
- The first bill, in the amount of {$520.00} I believe, was sent around late XXXX. Some time after I paid off my balance directly on the alleged creditor 's website. 
Right after that I sent Merchants Credit Guide Co. a letter notifying them that I was not accepting their " services '' as a collection agency. A return receipt shows they acknowledged receipt of my letter somewhere in XXXX. 
- Recently I received another bill, for {$38.00} this time. This morning, after I double-checked with XXXX XXXX XXXX, XXXX. and confirming that I owe them $ XXXX, I called Merchants XXXX XXXX XXXX , to let them know I owe nothing to them but the agent said came up with a {$520.00} amount again. I asked him something like : " Do you know more about the creditor 's finances than they do? '' and he said he did. 
Then I asked him to explain me why should I say money to the agency if I owe nothing to the alleged creditor and he said something like Ok, sir, have a good day and hanged up. 
I am extremely concerned Merchants Credit Guide Co. are systematically attempting to get consumers to send them money they do not owe. 
From late XXXX to date they call my cellphone number everyday, sometimes twice a day. I never answer unknown numbers but I know it's them ; I XXXX   those numbers.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (IL)

I submitted a letter to XXXX XXXX explaining that in cashing the check # XXXX in the amount {$50.00} they would be agreeing to remove the account from all three credit bureaus records XXXX, XXXX, and XXXX. The check was cashed on XX/XX/2018 and this account is still being reported.
Consumer complaint received 2018-07-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

I opened a line of home equity credit with Wells Fargo. 
My borrowed amount is approx, 13,000..they have added XXXX overdraft protextion. 
I now owe XXXX I want to pay off the loan and I feel the final payment is extortion. 
I was never explained the over draft policy. Wells fargo has opened up an a second checking with out my consent.. They withdraw XXXX and add it to the bill..please help me!
Consumer complaint received 2017-06-11
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (GA)

XXXX / bridgecrest is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure bridgecrest pays for their lies all the time.
Consumer complaint received 2020-06-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My XXXX XXXX Loan ending in XXXX, was originally Serviced by XXXX XXXX. Then, SETERUS, Inc. took over in about XXXX, then Nationstar Mortgage d/b/a Mr. Cooper took over in XXXX. During the transfer of Loan Documents Nationstar Mortgage failed to properly inform me of changes in documents that are required under Regulation X, including Disaster Assistance and forbearance programs available to struggling borrowers. I seek assistance from CFPB in correcting this Servicer fail.
Consumer complaint received 2021-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Once i noticed the inquiries in my report i called the 3 credit bureaus and informed them that they were not mine and appeared to be fraudulent. The bureaus said that they could not remove the inquiries. Please help me get this resolved.
Consumer complaint received 2018-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

As mentioned in the previous complaint filed with you, complaint number XXXX filed on XX/XX/XXXX, Navient has been mishandling my loan. They did adjust my loan a tiny amount but it is still extremely incorrect. Most of the payments made since XXXX have zero applied to principle. They have applied all to interest. After my last complaint, it was adjusted slightly, so random payments show different amounts applied to principle. It was not every payment and not consistent. I have paid massive interest on this account and if navient has its way I will be paying until the day I die. I am attaching the most recent copy of my loans from their website so you can see this craziness. Also, I was charged interest for the years my loan was in chapter XXXX bankruptcy. I did supply proof to the company that my student loans were included in this bankrupcty. I was to pay the courts directly from payroll deduction each month and they distributed funds. On my records from the courts XXXX would be paid to student loans. My case was converted to chapter XXXX in XXXX when my husband was not working. I appreciate you help.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I'm unable to remember the dates at this time but my issue is regarding the customer service of the Navient company. I saw a law suit due to the same issues I was having and I wanted to make sure I'm included in the class action. I had a 10 year repayment plan on my loans. During the first few years I called them and changed my payment to a higher amount ( because I was able to pay more ). When the time came that I couldn't pay the high payment anymore, I called them trying to lower it back to the approved minimum payment but they refused saying I don't have the right to lower my payment. The folks I spoke to ( and their supervisors ) seem to not understand my rights or even maintain basic math skills. It was a very frustrating period of time and I refinanced to use a different company but my wife is still stuck with them and we're trying to finish her debt so we don't have to deal with them again.
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (KY)

I received info about XXXX XXXX XXXX XXXX as an option to help me lower my monthly payments on my loans. I contacted them and they were very friendly and helpful and I have been utilizing them for four years now. Then my husband graduated and I told him to do the same because it was great. So he did, but this time they were calling themselves Ameritech. Still very nice and very helpful and although that seemed weird we went with it. Then two days ago we received a letter from the United States of America Federal Trade Commission advising us that Ameritech was being sued for deceptive practices and that we should look into our services. I contacted my lender to learn that I was on a $ XXXX  monthly payment due to a family size of XXXX. That is much larger than my family is. I did not understand that is how my monthly payment was so low. I paid them {$49.00} each month for four years in addition to initially paying them {$1200.00} over four payments to initialize the program. So for four years I have had a " {$0.00} '' payment and paying them each month, all the while my interest has been sky rocketing on my student loan. My husband pays them {$74.00} each month for a " {$0.00} '' monthly payment. I feel so ignorant now that I didn't see this as deceiving until we called to check in with our lenders.
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

XX/XX/2018 CAPITAL ONE PHONE PYMT XXXX XXXX   This is showing you what it looks like in my checking account which only is Social Security XXXX XXXX. Capital One took money without permission and I thought my funds were exempt. Now I am overdrawn, my account is frozen and I can not pay my bills or get groceries to eat.

They are from HQ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX   Please help me. I am I destress.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (IN)

On XX/XX/2021 I've purchased XXXXXXXX XXXX XXXX XXXX from XXXX for {$140.00}. On XX/XX/2021 my ordered finally arrived, but when I opened my package the order was wrong it was XXXX XXXX XXXX clothes. I contacted XXXX about the order issue the same day I received the package and they responded with " If you would provide photos of the items you did receive so we are able to share with our fulfilment team ". I sent my order number with the products I purchase and the products I received in the email, but after that no one have gotten back in contact with me. So XX/XX/2021 I reached out to the XXXX customer service once again asking them will the order ever get resolved sadly no one from the company reached out to me so I put in another order complaint through the website still no one reached out to me or fix the problem. On XX/XX/2021 I put in another complaint through the company 's website about bad customer service and my order. After having unsatisfied service I decided to just dispute my order through my bank account Chime while still contacting XXXX about my order. On XX/XX/2021 XXXX finally responded " We see that they have filed a charge back and unfortunately, at this point we are unable to process a refund or a replacement order. Please work with your bank for final resolution. '' On XX/XX/2021 Chime responded back to inform me " Based on there investigation no error occurred so this claim is considered closed ''. So I reached out to Chime Customer Service team over the phone and sent evidence of my wrong order issue through email as the employee told me to do. Then was transferred over to the dispute department to talk to someone. An automated response was email to me letting me know my written claims form has been received and being reviewed by the Dispute Team. XX/XX/2021 Chime responded once again saying the additional information I provided did not change the company 's decision and no error occurred. So on the same day XX/XX/2021 I reached out to Chime Customer Service again and the employee repeated the same solutions " send evidence " so I sent the same evidence as I did the last time hoping the issue gets resolved after having to keep repeating the same process over and over again. I've been waiting for a responded about my status so finally decided to give Chime another call. Sadly my claims didn't even have a status because the employee never sent over any paper work about my claims. So I asked for a manager and she told me the same thing " Send over evidence " so after getting the run around I asked the Chime Manager can I have corporate number but she refused stating Chime doesn't have a corporate number and no one over her can help me with the situation but her. THE SITUATION NEVER GOT SOLVED!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2018-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO. (TX)

Ford Motor Credit tells you that your payment is due on the XXXX of the month and you have 15 days before it is considered late. So, the XXXX of month is 15 days later. However, when you call to pay them, they wait 2 days to process your payment. Payment must be made Monday - Friday before XXXXXXXX XXXX. and payments made on the XXXX, XXXX and XXXX are not posted until 2 days later. Then they charge you late fees even though they received the payment before the XXXX of the month. And they report you to credit bureau for late fees.
Consumer complaint received 2020-01-23
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. (AR)

Since XX/XX/XXXXof 2019, I have sent several certified dispute letters to the Transunion consumer reporting agency in regard to several ; accounts reporting on my credit file that was opened due to identity theft. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act. In addition, Transunion has failed to place a block as per the FCRA Section 605b in regard to the fraudulent items that are in question. On XX/XX/XXXX at   XXXX XXXX tracking ( XXXX ) was one of several letters received from Transunion on my behalf. It has been 6 months and Transunion still has yet to provide any supporting correspondence or documentation in regard to any on the dispute letters they received on my behalf.
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (TX)

On 2 different occassions in XX/XX/XXXX and XX/XX/XXXX we were told by Citimortgage that we could defer our payments, but we werent told that the interest would add up and come due immediately at the end of the deferment period. This added to our loan and violated deceptive lending laws. Following the deferment period we were pushed into a partial claim agreement in XX/XX/XXXX. We were already struggling with our mortgage payments and trying to save our home and were given the runaround. We were kept in the dark about our options and burdened with excessive paperwork. In the end we were slapped with sub ordinate notes requiring us to pay {$32000.00} which was 3 to 4 times the amount we were behind on payments. 

CitiMortgage misled me and did not notify me following the settlement with the Consumer Financial Protection Bureau in XXXX.