davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate.

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXXXXXX XXXX  ACCOUNT XXXX  : XXXX | Balance : {$500.00} Additionally there is a public record listed that should not be listed on my credit report as the courts do NOT report public record information to the credit bureaus which means that information was illegally posted to my credit report without my written authorization. Unless this written authorization can be provided by each of the credit bureaus this information must be removed immediately. Further the information presented is not accurate and that is further infringing on my rights and a direct violation of the FCRA as the law requires 100 % accuracy on all consumer credit reports. I have contacted the alleged furnisher who has confirmed they never provided this information to the credit bureaus which is another violation and makes the credit bureau liable for damages, which I will be seeking if this item is not removed or my written authorization provided showing I requested or allowed this information to be posted to my consumer report. 

U.S. Bankruptcy Court | Reference XXXX  : XXXXXXXX US DIST XXXX | Reference XXXX  : XXXX
Consumer complaint received 2022-09-08
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. (NY)

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX as of XX/XX/XXXX. 

Nothing happened.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I attempted to receive my credit score on the XXXX for my Transunion credit score, but it did not list my score only my credit report. On the website it stated, pay only XXXX to review credit score from Transunion. After putting in my card information it did not charge me XXXX cents but signed me up for a subscription instead, which is not what I was aware of and was completely deceiving. When I tried to cancel my Transunion subscription online, it kept circling back to the login page and never took me to cancellation. I finally called Transunion customer service and told them I wanted to cancel my subscription. Before the customer service representative asked for any verifying information, he just asked for my credit card number right away. I told him I was not comfortable just giving my card number out when he did not even verify my identity. He then proceeded to yell at me saying he needs the info to look up my subscription in which I hung up. This entire experience was not only deceitful but a complete SCAM!
Consumer complaint received 2024-01-28
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. (GA)

TO WHOM THIS MAY CONCERN, THESE ACCOUNTS ARE NEGATIVELY REPORTING ON MY CREDIT AND THEY ARE NEGATIVELY AFFECTING ME. I WOULD LOVE FOR THEM TO BE REMOVED AS SOON AS POSSIBLE. PLEASE AND THANK YOU!
Consumer complaint received 2017-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education XXXX Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Previously contacted company and the credit bureaus to remove negative information. Jefferson Capital ( debt buyer/third party collection agency ) was unable to validate this debt for {$950.00} to the credit bureaus or to me personally because it does not belong to me. They continuously harass me, reporting this negative information, and deliberately destroying my credit information. XXXX  previously filed an investigation and due to no proof ; they deleted it from my credit file. However. I just found out today ( XXXX XXXX,2017 ) that this debt buyer ( original creditor -XXXX XXXX ) once again reported this alleged debt with XXXX and is being reported again. This is a direct violation of FCRA and FDCPA.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (MD)

I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION (FL)

on XX/XX/21 i was making a deposit thru the atm upon me depositing check atm powered off the atm keep my debit card and didnt make the deposit but kept the check I went inside branch to summit claim # XXXX i was told i was going to get a provisional credit in the amount of XXXX the following business day. on XX/XX/21 i made another deposit for a check endorse over to me for XXXX now my account froze XXXX
Consumer complaint received 2020-07-10
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: EQUIFAX, INC. (OH)

On XXXX XXXX I filed a dispute with Equifax about 16 late payments reported on account from my Student Loans. On XXXX XXXX I got a notification that my credit score dropped 42 points from a XXXX to XXXX and my payments went from XXXX to XXXX. I checked the status of the dispute with Equifax + XXXX and it said that my dispute was pending investigation so im confused why my score was dropped for a pending investigation. Upon completion of the dispute, Equifax + XXXX said that nothing on my account changed and the disputed payments were still valid. So with that in mind, I called Equifax multiple times to see why my score changed although nothing was added nor taken away from my account and I received different answers every time I called and every rep told me that they had no idea why my score changed because it should'nt have been tampered with and they didnt see anything that should have changed it. I even had a rep tell me that my score would return to a XXXX 30 days after the dispute was completed which was also false. I still have yet to receive any answers as to why my score was tampered with for no reason and i am highly upset. This is against the Fair Credit act and I am tired of the run around.
Consumer complaint received 2022-03-03
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: JPMORGAN CHASE & CO. (CA)

Regarding my XXXX XXXX XXXX XXXX XXXX XXXX Chase XXXX Credit Card benefits include 2 free Club Pass annually as a result of {$95.00} annual fee. The 2 Passes from XXXX expired in XX/XX/XXXX. 

I've been in contacts with Chase Customer Service since last week in request of having the expired passed extended. My reason is making whole lot of sense. Under this global Covid-19 or Pandemic, I and my family don't feel safe to travel in the past 2 years, thus didn't get a chance to use the only benefit of free club pass by paying {$95.00}. 

Unfortunately, my simple and reasonable request was brutally denied by the Customer Service Specialists, XXXX XXXX ( from Missouri XXXX ) and XXXX XXXX XXXX from XXXX XXXX, TX ) yesterday over the phone. Both of them even failed to offer me any other forms of compensation and acted by unprofessionally and coldly. Instead, they both were trying to sell me a different type of credit card which I have no interest at all. XXXX even denied my request of having the contact details of filing complaints to Chase Headquarters by email or USPS mail as I told her it's inappropriate to getting this info over the phone. 

It's very unfortunate to have this kind of poor and cold services from the managerial lelvel at Chase. I'm not going to risk my health and safety to take the advantage of the Club Pass, especially the Pandemic is still dragging on as we speak. 

I demand to be refunded my XXXX card annual fee if the Passes can not be extended. 

Here 's my info : XXXX XXXX Last XXXX digits of my Card # XXXX Email : XXXX Phone : XXXX Passes used or expired within the past 24 months Pass # : XXXX Expired : XX/XX/XXXX Pass # : XXXX Expired : XX/XX/XXXX Please feel free to contact me if you have any questions. 

Thank you
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

the XXXX credit reporting bureau is not responding to repeated requests from to investigate errors on my credit report.some things are time-out and should be removed from my report. and there are many, many companies that I have good credit with that s not being shown on my credit report. and every effort that I have made to write to them to correct these problems has been met with nothing. when they ask for information and I send it to them, I hear nothing and then later they say something that 's just keep me running in circles and that ai n't nothing being done and I do not who to write to about these stalling, stonewalling and delay tactics.i have a lot of companies that I have good credit with and made timely payments to them for years and that 's not on my credit report
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (GA)

I lost a wallet with all my personal information ID, SS Card, Bank Cards etc. I canceled the bank cards the next day so those were no issue but some months later I started noticing items on my credit I had no knowledge about and at that time I didn't put 2 and 2 together about losing my wallet so I would just dispute the charge to no avail. Later when trying to purchase a home I seen where it listed on my credit that I had a balance from an apartment when during that time I lived at XXXX XXXX XXXX, XXXX in a house not an apartment. I can't do anything with these items on my credit. I have been going back and fourth with with that all the accounts opened up in my name and I just need this to be over. I have collection accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I have over 10 Inquiries from places I have no idea about. Credit card closed accounts theres 2.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

My first progress account is reporting the incorrect balance and updated outside of my statement cycle date I had a balance of {$0.00} on my statement date and it reported however on XX/XX/XXXX it updated with the credit bureau a balance of {$760.00} outside of my report date I am closing on a home in the next week and this had my my score drop 13 points
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My bank does not ever timely send my account and balance information to  XXXX , and this has been happening since I started using this app in ( approximately  )   XXXX  of last year. The margin between I was instructed to take action either by notifying my bank myself or filing a complaint through the CFPB.
Consumer complaint received 2019-08-08
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. (NC)

my credit reports several fraudulent accounts that are a result of my identity being stolen, and also it appears that my address and other personal information is also incorrect fraudulent and false addresses have been used to open up accounts that I do not recognize and have not authorized. I have sent correspondence regarding this issue I am attaching that correspondence to this complaint .that includes identity theft report and police report detailing what happened and the fraudulent accounts this information should have been removed or blocked when it was first mailed to the credit bureaus I am including it here so that it can be reviewed and the appropriate action can be taken and these accounts be removed and blocked From my report
Consumer complaint received 2022-08-10
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: JPMORGAN CHASE & CO. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. JPMCB CARD XXXX or JPMCB CARD XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Consumer complaint received 2024-01-28
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. (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time XXXX XXXX  to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (TX)

On XX/XX/XXXX my banker called to tell me I had a debt collection on my credit report that was new. I logged in and found a {$470.00} collection from XXXX being collected by Sunrise Credit Service. Prior to being placed on my credit report, I had never heard of or was contacted by Sunrise or XXXX regarding this collection. I spoke with both companies that day and neither could find any records of ever attempting to bill me or contact me regarding it. On this same day I disputed the debt via XXXX and XXXX 's website. I also sent an email to Sunrise Credit requesting verification of the debt. Now, 11 days later I have yet to hear anything from Sunrise or XXXX. Per the FDCPA, they are required to send me a letter stating my rights to which I have not received. I would be glad to forward the original email I sent them, if requested. The facts - XXXX and Sunrise say I owe {$470.00} for services received from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX in XXXX, TX. I was never a guest in XXXXXXXX XXXX in XXXX and they can verify that. In addition, XXXX XXXX told me that I was one of 14 other people to receive erroneous charges on their credit report from XXXX. This is fraud on a large scale and should be investigated. I should mention that I live in the XXXX, TX Area, not XXXX, TX and we like the rest of the XXXX were on Covid lockdown during this time. I hope this is just a glitch in XXXX system, but their refusal to look into this matters smells of fraud.