davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-31
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. (NY)

TransUnion your XX/XX/XXXX response to CFPB XXXX : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please contact www.transunion.com ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX merely represents your insisted continuance of 194 day obstructions of fact and deliberate participation with NMACs fraud. 

Mr. XXXX was the lessee and intended transferor. I am the falsely alleged transferee. In response to Mr. XXXX misrepresentations I was pleased with XXXX XX/XX/XXXX denied lease transfer ; one of XXXX many written evidence denials being : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from Mr. XXXX because notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XXXX..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAILXXXX I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can just run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX AS now requested by me in 91 separate written communications to XXXX and TransUnion since XX/XX/XXXX please return email a true copy of Transfer of Lease Agreement you allege to have been signed and duly executed by me ( transferee ) after XX/XX/XXXX including XXXX approval, date and title consent to this Transfer of Lease Agreement OR communicate by return email the non-existence of a true copy of Transfer of Lease Agreement signed and duly executed by me ( transferee ) after XX/XX/XXXX and immediate removal from my credit report.
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i checked my account and theres was MULTIPLE transactions i did not do, I filed claims with my bank ( bank of america ) and they just did denied it in a matter of 4 days. I am sick all of my money is gone
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (NV)

i have inquiries ive submitted where i was denied by the creditor. 

XXXX ( XXXX accounts ) XXXX XXXX auto finance XXXX XXXX - XX/XX/XXXX auto finance XXXX  XXXX - XX/XX/XXXX bank card XXXX  - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - bank card XXXX XXXX ( XXXX accounts ) XXXX and XX/XX/XXXX sales finance XXXX XXXX  XX/XX/XXXX auto finance XXXX  XXXX auto finance XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans Union is steel Reporting incorrect information on my credit report I have dispute this Information be for this Fraudulent and miss leading information and this Account is steel reporting Info on my credit report this account needs to be remove from my credit report and I need to see documents on where I signed if you can supply Info to me on this you need to remove this False and Fraudulent Reporting off my credit report
Consumer complaint received 2021-01-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (VA)

Originally I was dissatisfied with service from XXXX internet service. Could never get anyone on phone. Eventually stopped paying. They sent it to collection with Southwest Credit. I wrote to XXXX XX/XX/XXXX explaining. Contacted Southwest Credit XX/XX/XXXX and we negotiated and I paid agreed amount. Now do not owe anything but Southwest Credit refuses to clear me resulting in a poor credit score as they have a " no deletion policy ''. This is bogus because although the account has been cleared this sits out there affecting my credit score and I want to refinance while rates are low. I am being adversely punished for something that has been taken care of.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

From XX/XX/XXXX I had to take forbearance on my loans from medical school serviced by Navient and XXXX XXXX because every time I attempted to determine my income based repayment amount it was several thousands of dollars despite that I made a resident physician salary. The calculator was confusing and I even reached out to my XXXX school financial counselor for help who was similarly perplexed, noting that it should have given a much lower repayment amount, even XXXX dollars, based on my income. I thus accrued much more interest by needing to enter forbearance. I have since re consolidated my loans, but I read about the claims against Navient and wonder if this is why I was never able to enter IBR.
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

I have been adversely affected and have had my rights breached and violated. I HAVENOT received a schedule tender offer, nor was I disclosed to XXXX, among other things. I have made multiple attempts, during my administrative process, to contact the servicer ( XXXX XXXX XXXX , National Association ), the issuing entity ( XXXX XXXX  Trust ), and the Indenture Trustee ( XXXX XXXX XXXX XXXX XXXX XXXX ), regarding a Notice of Default for Outstanding Notes, a written notice specifying such default and breaches, and requesting it to be remedied. Also stating, that the interests as a Noteholder are being materially and adversely affected and continue to be materially and adversely affected. I have had my documents returned to me saying " Not XXXX XXXX 's Mail '' or have had to fax it to serval different departments just for them to say " they can't help ''. Section 3.9 of the Indenture Agreement states that they are to deliver to the Indenture Trustee. Also, Section 6.11 says the Holder of any Note will have the unconditional right, to receive payment of the principal of and interest on such Note, and to institute suit for the enforcement of any such payment. 

They have Breached/Violated ..... 
Representations and Warranties 17 CFR 230.425, 17 CFR 240.14a-12 17 CFR 240.14d-2 17 CFR 240.13e-4 ( c ) Regulation AB Items 1103 ( a ) ( 1 ) Regulation AB Items 1109 ( a ) Regulation AB Items 1109 ( b ) Regulation AB 1117 Regulation AB 1118 Regulation AB 1119 Regulation AB 1122
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (MD)

I purchase on loan the XXXX XXXX XXXX with the Bridgecrest XXXX XXXX XXXX ) company on the XX/XX/XXXX and paid for some of the loan but could make it due to lack of enough money until they came and reposes the vehicle on the XX/XX/XXXX at the amount of {$16000.00} with a compound interest of 23.99 % because i didn't have enough credit score at my first purchase. 
Since then the company has been charging me on daily interest and my balance now is showing {$26000.00} on the credit report. 
This is stopping me from getting any auto loan anywhere. 
Please a very good positive answer will help me move forward with my life. 
Thanks
Consumer complaint received 2018-03-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation (GA)

I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.
Consumer complaint received 2017-04-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc (CA)

AD Astra Recovery Services sent me a copy of an agreement of a debt they are trying to collect but did not verify it is mine. I have already tried to have them remove the bad debt off of my reports but they wo n't budge and are not verifying the debt is mine.
Consumer complaint received 2020-11-28
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. (AZ)

there are unauthorized inquiries and a chapter XXXX Bankruptcy listed twice that's not mine and other accounts that are not related top a chapter XXXX and another account or accounts that are not mine and one with the wrong account status. I am including a letter of detailed explanation
Consumer complaint received 2017-04-12
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (TX)

There is a collection firm stating I owe XXXX and I do not. This debt was paid a while ago and this company is hurting my credit with false information I have disputed it and it still remains. This is FALSE and they are violating my rights reporting inaccurate information. Please help
Consumer complaint received 2017-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (FL)

pmi REMOVAL from loan. I am at 72 % loan to current ratio and amount of actual amortization that they would take PMI off and they refuse to do so. I know there is homeowner protection act to stop this. Can you help me.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (NC)

I am a XXXX veteran, and whenever I was overseas in XXXX, this company hounded me to pay on my autoloan. They kept making threats while I was overseas for an old autoloan i no longer have with them. Now, for some reason, I have a new autoloan with them. But this time, i am not overseas. But now my complaint is their high interest rates on their autoloan that i have with them. I really hate the fact that they hounded me overseas while I was fighting for my country. With the current autoloan interest rate, there is no way for me to keep paying this high car payment every month. Could you get them to lower the interest rate? If not, I will move forward and try to find someone else and let them repossess the vehicle and sue them for hounding and harassing me while I was overseas in 2009.
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC (TX)

I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Equifax Consumer Service Employees accessed my credit report on XX/XX/XXXX and on XX/XX/XXXX. One location in XXXX, GA and the other in XXXX GA. I believe that this is an employee that may have know me from my past that is trying to access my information to find out where I live, These types of access make my credit score go down by 27 points every time and internal employees does this and it is against federal regulation. Equifax is not a business that I do business with, they are a credit reporting agency. When they do this it alerts the other 2 credit bureaus XXXX and XXXX and all 3 scores drop.

I only have 2 active accounts on my credit report. XXXX  XXXX XXXX Credit Card and XXXX XXXX. They both report pay on time. My fico score was XXXX XXXX and by the internal hits they are deliberately making my credit score drop each time by XXXX points. 

There is no other activity on my reports that would drop my score if you review it. I have attached my credit report document as evidence. The other accounts are student loans which are showing o owed due to the loans are not to be paid until XXXX. 

I want the 27 points placed back on my account per every time they did a soft inquiry to access my account. There should be no soft inquiries on my account from a credit bureau
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have 3 student loans that i 'm currently paying, in good standings that are reflecting on my credit report with another company ( XXXX XXXX XXXX XXXX ) that are closed. 

XXXX XXXX XXXX XXXX in the amount of {$8500.00} and {$2900.00} these are closed XX/XX/XXXX and took over by XXXX. 

XXXX XXXX XXXX in the amount of XXXX was closed XX/XX/XXXX and taken over by XXXX.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (VA)

I have 2 cash app accounts that I use regularly and BOTH verified with my ID. However my XXXX  boy was tricked by someone one the game and they gained access to my account. I contacted cash app About 20 times and ONE representative told me someone had access to my account. But I would have to wait on a manager to assist. Nothing is being done about this situation and I have NOT been allowed access to my account yet a stranger has. They are basically refusing to assist me or care enough to help.
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

transunion is reporting a name on my credit report which is not my name. My name is XXXX XXXX. 

Transunion is reporting XXXX XXXX on my credit report. i have requested the name to be deleted. The informed me over the phone it has been deleted but it is still on my consumer credit report. This is not my name and reporting it as my name can compromise my consumer credit profile. 
attached is my social security card copy of my credit report and proof of address the only name that should be reported on my credit report is XXXX XXXX
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AL)

hello I called Equifax to update my personal information they did the security validation which validated my identity and I am who I say I am I was just trying to update my personal information they are reporting as far as my addresses they have several incorrect addresses on file for me and stated I have to send in that request so I asked was that something new as my fianc updated her address with them over the phone, I do n't understand why I was not able to update this if all of my information was verified and I passed the identity verification. the rep was also so rude when my fianc was trying to help me and advise she was able to update her information over the phone exby was the worse customer service rep. i was also trying to advise that the inquiry on my account was not valid as well but was not listened to.
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SECURITY CREDIT SYSTEMS INC (CA)

I already know what SCS is saying. The check in question was through a bill pay account that funds the check before it is sent. Please see note below. 

My bank confirms that this was sent to them on XX/XX/2016. They DID NOT DEPOSIT IT until 113 days later. 

I am paying an outstanding loan for my Son. I send checks through my bank bill pay system. On the check it states " Check void after 90 days '' Security Credit Systems purposely held the check for 113 days before deposit. Check delivered to them on XX/XX/2016 place for deposit by them on XX/XX/2016. XXXX accused me of bouncing a check and will no longer accept checks for payment. They returned XXXX checks. Requesting Money orders only. I am now sending the checks directly to the school. The have accused me of writing a bad check in which I plan to research how I can take them to court for defamation of character. 

1.The check was not returned for NSF. It was voided due to failure to deposit. " Check void after 90 days '' 2. I will not be sending anyone a MONEY ORDER. 

3. I will continue to send checks directly to XXXX until you figure out who I send a CHECK to. 

4. My check was not returned for NSF. and I will go to legal action if this claim is not corrected. 



Thank you, XXXX
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (FL)

I am a victim of identity theft there is inaccurate reporting on my credit report especially with inquiries I currently have over 50 inquiries from someone trying to use my credit for the purposes of receiving goods and services. This is an extremely serious matter and I need these inquiries to be removed from my credit report immediately. I reached out to each credit bureau on XX/XX/2021 and the inquiries are still reporting although it's been well over 30 days since I filed a dispute. Attached to this complaint is a copy of the letters that I have sent to each bureau without response.