davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-09
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. (GA)

On XX/XX/2022, I mailed out a Dispute letter to Experian the consumer reporting agency stating that there is inaccurate information reporting on my Consumer report starting with my personal information : I informed them that they were reporting my name WRONG as well as the WRONG addresses I also asked them to remove all addresses that are not mine and that I am not associated with that doesn't match with my identification that I also mailed to them with the Dispute letter. 
I have documented proof of the certified mail that I sent to Experian the credit reporting agency on XX/XX/2022 As of today XX/XX/2022 I have obtained an updated version of My Credit report and I noticed that they never made the necessary changes that I asked them to correct on XX/XX/2022 ARE STILL THERE'S NO CHANGE I also mailed the same letter to the other reporting agencies as well on the same day which was on XX/XX/2022 and The other reporting agencies corrected the personal information and address errors without issue and I have proof of that as well. 
It is only with Experian that I keep having continued issues with inaccurate/incorrect and WRONG information reporting on my credit report which has been affecting my credit and because of these errors/inaccuracies and WRONG information I have been denied numerous things because they're reporting the WRONG information on my report. 
BY LAW ALL XXXX CREDIT REPORTING AGENCIES ARE SUPPOSE TO REPORT ACCURATE AND CORRECT INFORMATION IF NOT THAT IS A VIOLATION!!!
Consumer complaint received 2021-06-28
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: EQUIFAX, INC. (PA)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2022-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IL)

On Tuesday, XX/XX/XXXX, I contacted Edfinancial after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at XXXX.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Car was in a accident gap was in the contract. The car was totalled my insurance paid them {$9900.00} i paid {$6000.00} so far with XXXX included for down payment the cash price for the car was XXXX the contract states if the car is distroyed r theft i am no longer obligated by the contract as long as the cash value of the veichle was paid to the loan company but they still trying to get the inerest on the loan from me they already got the cash price n more for the car
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Circle Internet Financial (MA)

Companies I am complaining against is XXXX  and XXXX 

This may not be the right category but can the loosely fit to this category and purpose of this organization. If not accept my apologies as i dont know where else to turn to regarding this issue. 

1. I had invested in an App/Company called XXXX through XXXX. This company was acquired by XXXX few years ago. There is no information about the progress of investor investments or acquisition deal size. They simply stated undisclosed amount. If they raise money from investors i think they are liable to share all the details with us. Let us know the dilution of the value and shares that occurred if any due tot he deal. Have veeb trying to contact XXXX, XXXX execs and XXXX execs for a while and no resolution has been given. I suspect there has been fraud done against investors and would like to get answers and if possible sue them for negligence or fraud or suppression of information. 

2. Another company i invested through XXXX is called XXXX XXXX. This company went sort of bankrupt and sold themselves most likely to their relatives ( but think its legal transaction ) for a loss of over 95 %. We the investors are not able to claim loss on this cos of the nature of the deal. Most importantly my issue is that XXXX advertise this as a successful campaign. This can be misleading as this was successful in collecting money from investors but is a failed company. 

3. In XXXX platform some of the details of the closed campaigns are gone and have to contact customer service to get these information. I would appreciate if they keep all information like round size valuation etc intact in their platform fro investors to review after many years of closing the campaign.
Consumer complaint received 2020-11-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BBVA FINANCIAL CORPORATION (KS)

In regards to the account from bbva/ compass. I was making my payments and someone hit and ran into my vehicle, I had insurance and had to send the bank check to fix my car, they were supposed to send it back for the damages instead they applied it to the principal of my auto loan which left me stuck paying for the damages even tho I had insurance and still had my car payment due to them putting it toward the balance and not what I owed. This app orally threw me off ruined my credit and prevented me from getting a home loan. They have violated my consumer rights
Consumer complaint received 2017-07-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

1. My student loan was in non payment status because I was in college on a half time basis.
2. I have XXXX ongoing medical problems which require XXXX-XXXX medical appointments per day depending on my symptoms. 3. Last XXXX, 2017, I was unable to walk.
4. Several medical found XXXX additional medical problems. 5. Therefore, I was unable to return to college and maintain my 1/2 student status which qualifies me for non-payment status. 6. I called Navient and advised that I could NOT download the Income Driven Repayment Plan paperwork at the public library. So, they mailed me the paperwork.
7. To protect my credit, I made 5 -8 calls to Navient. I was assured that as long as I called my status would be fine.
8. In the interim, my health deteriorated. I spent 4 weeks in a health institute 3 hours from my home WITHOUT mail access. 9. When I called Navient in XXXX XXXX, 2017, XXXX XXXX, had no knowledge of the points mentioned in 1-8 above. 10. Concerned about negative credit reports, I asked to speak with A supervisor. I waited 40 minutes. No supervisors available. I was FORCED to release the line.
11. Because of the XXXX medical problems, XXXX mile commut to doctors office, I asked if XXXX XXXX supervisor, XXXX XXXX could call me Mon-Friday between XXXX XXXX Pacific Time . He advised that she COULD NOT and no other supervisors could call. 12. I made 4 calls to other Navient offices including the Navient Consumer Advocate. Also, I sent the Advocates Office an email. Receipt was confirmed by email.
13. Borrowers are left on hold, or forced to release the line after 30 minutes. If we call again, the cycle is ONLY repeated with no resolution or proof we are working to resolve the issue.
14. I had a question about the Income Driven Repayment Plan paperwork and I want the promise that if I call Navient, my credit will not be affected. Please forward my email to their attention.
Consumer complaint received 2021-08-05
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: EQUIFAX, INC. (LA)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2017-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BMO Bank, N.A. (FL)

I have a checking account with BMO Harris ( the bank ) and am required to maintain a balance of at least {$2000.00} to avoid a monthly charge. I looked at my account online this afternoon and discovered that the bank assessed a {$15.00} charge to my account on XX/XX/2017. I contacted the bank and asked the customer service representative ( the rep ) with whom I spoke the reason for this charge. She stated that it was due to my account balance decreasing to less than {$5000.00}. I informed her that I received a notice two or three years ago stating that I must maintain a balance of at least {$2000.00}, but that I was unaware of the requirement to maintain at least a {$5000.00} balance. I asked her when my account terms changed and when the bank issued the notice to me. She reviewed the account further and confirmed that I was only required to maintain a {$2000.00} balance. She stated that the fee was assessed in error and that she would reverse the charge. However, I believe this error, without the rep even understanding why it occurred, reflects a major flaw in the bank 's compliance management system.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX SSN : XXXX Date of Birth : XXXX XXXX XXXX TO : Experian : Account Name : XXXX XXXX XXXX Acct Number # XXXX The law said it is illegal to report transaction history. 
Per 15 U.S. Code 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Update report to paid on time or paid as agree. 
XXXX XXXX XXXX did not give me the opportunity to opt out or reporting transaction and experiences to my consumer report. 
I sent a dispute letter for inaccurately reporting and asked Experian to conduct a reinvestigation Experian failed to fix or modify, they merely parroted information from the furnisher. I sent Experian a letter for the method of verification on how they verified this information they did not do that either. 
I have attached Driver License and Utilities as proof of identifying information.

Best Regard
Consumer complaint received 2017-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I just noticed that there is an address listed on my account, at which I 've never lived. It 's listed as XXXX XXXX XXXX XXXX XXXX tn XXXX. This city is close to where I live but I 've never lived in XXXX before. I did have my identity stolen quite some time ago, but I 'm not sure if this might have anything to do with it because it was so long ago. Any assistance or insight you might provide would be much appreciated. Thank you.
Consumer complaint received 2024-01-29
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. (NY)

I am writing to file a formal complaint regarding the removal of a fraudulent account on my credit reports by the credit bureaus. I have discovered a fraudulent account that was opened under my name and I have written a letter to the credit bureaus requesting their thorough investigation into this matter and the removal of this fraudulent account via USPS Certified Mail on XX/XX/2023. However, they did not conduct an investigation and refused to remove this fraudulent account from my credit file. These are the details of the fraudulent account : Creditor : XXXX XXXX ; Account number : XXXX ; Balance : {$450.00} ; Date opened : XX/XX/2023. Upon discovery of this fraudulent account, I immediately took steps to address this matter, including filing an identity theft report with the FTC and placing a fraud alert on my credit files. Despite my efforts to remove this product of identity theft, the account remains on my credit report, continuing to negatively impact my financial standing and credit health. Under the Fair Credit Reporting Act and the Consumer Protection Act, I am entitled to have fraudulent accounts removed from my credit report. Therefore, I request the CFPB 's assistance in investigating this matter and ensuring the prompt removal of this fraudulent account from my credit records.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Dear SirsXX/XX/XXXX Re : TransUnion ( XXXX  is worse ) My FICO rating was over 650 in XX/XX/XXXX and early XX/XX/XXXX with aggregate debt of about {$4100.00} My ex wife fraudulently put {$3500.00} on mXXXX XXXX  card reflected inXX/XX/XXXX which raised the total debt to $ 7600+-from {$4000.00} Thus my score went down to Approx 605 The {$3500.00} was removed in XX/XX/XXXX and score went back to only XXXX  although the aggregate was about same as previous ; about {$4000.00} ( i had kept the debt level up to reflect my position as my ex wife was harassing me for money and that I still had debt! ) Since, in XX/XX/XXXXand XX/XX/XXXX, I have paid XXXX down to {$1000.00} and XXXX  to {$700.00} for an aggregate total of {$1700.00}, less than one half of the position in late XX/XX/XXXX yet the rating is only XXXX!! My allowable credit with other parties, all clear ( XXXX XXXX  etc ) is {$29000.00} so I am well under 10 % Also paid off 1 of 2 accts in dispute, the other a hospital amount of {$380.00} still in dispute with XXXX XXXX Hospital I am XXXX years old and trying to buy an inexpensive " over 55 '' condo ( {$30000.00} ) in XXXX county in FL for cash, however the fico destroys my chance with the understated score!! .as they all require a credit report around 650.Most recently inXX/XX/XXXX I was turned down on a purchase as they refuse to read the facts.

My phone calls to TransUnion have met with no assistance or consideration notwithstanding my much reduced credit usage!

Please give me some assistance in this matter so I can have a home which I can afford Yours truly XXXX XXXX  E-Mail XXXX Present residence - XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX  ( with a friend ) Tel ( XXXX XXXX XXXX
Consumer complaint received 2017-07-14
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: EQUIFAX, INC. (ME)

I reached out to both XXXX and Equifax to make them aware of unauthorized inquiries on my credit report. They were unwilling to assist me in getting these erroneous inquiries removed, so I am reaching out to you to help. There are also accounts that are not mine that are showing that need to be removed. The inquiries are : XXXX : XXXX , XXXX XXXXXXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX XXXX XX/XX/XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dates are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, UT XXXXXX/XX/XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>The following are inquiries from Equifax that are not authorized by me : XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX2016 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

My issue is with Midland credit mgmt. They keep calling and calling from multiple 3rd party numbers directed through the US from an office in XXXX and I have not authorized anything from them and tell them to contact me after work hours from a US based office to review there claims of debt., they are pushy and dont want to take no for an answer even after stating that I am at work and can not talk. My wife had an issue with them as well and after she did pay them, they stated she never made final payment and kept charging late fees and refused to work with her.
Consumer complaint received 2018-03-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (MA)

On the evening of XX/XX/XXXX I placed an order for Bitcoin Cash ( BCH ) on XXXX. The order was placed at {$5400.00} and {$5300.00} USD per BCH, which was far higher than the website showed at the time that I clicked " Place Buy Order ''. Shortly after, all BCH trading on XXXX and their parent company Coinbase was halted. Trading did not resume until the following afternoon, at which time the price had dropped to under {$4000.00} USD. The highest price that BCH ever hit according to Coinbase 's own website was {$3400.00} USD on XX/XX/XXXX. I opened a support ticket with XXXX on XX/XX/XXXX and have followed up twice since. I have only received an automated response that they are " experiencing an unprecedented level of traffic ''.
Consumer complaint received 2017-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

applied for a XXXX refiance told the person taking the application this was a XXXX/transport suv they said they do those kinds of loans as of XXXX..so went forward with the application..he said everything looks good credit score money in bank.platnum honors with bof a..then then denied me credit due to there historical experience with industry..they have not had any history for XXXX/commefcial loans i believe they should have decided on my ability to repay..see attached letter can they do that?
Consumer complaint received 2017-07-14
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. (FL)

X/XX/2017 XXXX XXXX Once again a major mess with Experian and one takes days to get through to them then transferred around the horn. Tried to get temp access to code so bank can pull credit. Could not get through again WAIT AGAIN! WAITING. AGAIN!!!! 1- XXXX UPDATED EXPERIAN XXXX XXXX INCORRECT REPORTING ME LATE- BACK TO GROUND ZERO. EXPERIAN WAS TO UPDATE ALL OTHER AGENCIES- I GUESS THEY FAILED AGAIN. 2- WANTED A TEMP NUMBER SO A BANK COULD PULL CREDIT. 3- NEGATIVE CREDIT POSTED IMMEDIATELY- AMAZING- GETTING NEGATIVES CORRECTED 60-90 DAYS -- 4- BEING DENIED CREDIT SINCE XXXX XXXX READY TO SUE ALL!
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

bought a laptop at  XXXX  for {$430.00} on   XX/XX/XXXX    .   returned it on XX/XX/XXXX   .   a week later funds have not been returned to my account.   was told can take  two  weeks to get my account credited.   who is holding my money?