davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-31
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.
Consumer complaint received 2024-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

Law enforcement validated the identity theft report. XXXX and XXXX removed the accounts, but Experian refuses. Experian claims submitted documents are invalid, 6th complaint with no resolution in 6 months.CFPB, investigate this failure to process identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Urgent action needed. I'm the complainant, and no third party involved.
Consumer complaint received 2022-03-10
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (NY)

ON XXXX of 2021 i realized a 30 day car late on my credit report for XX/XX/2021 by Ally Financial for my car lease, after reviewing my documents, i realized that this happened because the company failed to update my statement and didnt send me an statement for the month of XX/XX/2021, I reached out to Ally financial on XX/XX/XXXX of 2021 and I spoke to a representative and I complained they should take care of the XX/XX/2021 late reporting, since the companies neglecting of not sending me a statement resulted on the late, the representative told me she will take care of it and with 45 days I will see a change on my credit report, however after 45 days I called again to see if there is an update and there wasnt any changes or note in this matter, so I asked for a supervisor, and the representative transferred me to a supervisor by the name XXXX XXXX and after discussing with her the above issue she promised me she will send the right documents to the credit bureaus to remove the late mark on my report, and I will see the change within 30 days, after that period I checked and there was no update I called back the supervisor XXXX and she agreed that the company failed to send the document to to the bureau and she apologized for this, however we up now to 71 days and there is no result and ally financial representative and supervisor agreed with me that they failed by taking care of the issue in the right time.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I have called customer service several times. I am trying to remove the PMI from my loan. I currently have 50 % equity and have asked several times for the process to remove my XXXXI payment. I am advised by PRMG customer service that the XXXX payment can not be removed. My understanding from the mortgage that when the loan to value reaches 78 % that I no longer have to pay XXXX
Consumer complaint received 2021-06-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2019 Wells Fargo wouldn't finance a loan unless I purchased a {$2400.00} XXXX to protect car. Thus increasing price of loan and so they could charge higher interest.
Consumer complaint received 2017-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

As of XX/XX/XXXX I have paid off my vehicle loan to XXXX XXXX XXXX and they have acknowledged this is writing. However XXXX XXXX will not release an electronic hold on the title which they have in their system so that the Florida DMV can print out my car title for me. I have phoned them multiple times about this. 
On XX/XX/XXXX when I was at the XXXX, FL DMV I had a DMV employee to phone XXXX XXXX and the employee and I both requested that XXXX XXXX release the electronic hold so that my title can be printed out but XXXX XXXX would n't do it. A FL DMV employee told me that the DMV prints out XXXX car titles for owners everyday after XXXX XXXX releases the electronic hold on the title. XXXX XXXX knows exactly what to do to finish their job to allow the FL DMV to print out my title but they refuse to do it and only give excuses or delays. 
Also on XX/XX/XXXX I phoned XXXX customer service and talked with XXXX XXXX and stated the problem. She said that she would email someone and tell them to release the loan but the DMV employee and I had already tried to get that done to no avail. So this phone call to customer service was not helpful.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit reporting companies, the big three - XXXX, transunion, and XXXX all charge fees for instituting, thawing, and lifting credit freezes. These companies collect this information without my consent and I am coerced in to " doing business '' with them if I want to be involved in society in any meaningful way. The fact that I have to PAY THEM MONEY to adequately protect my valuale personal information is a discrace. Since I and other consumers have no recourse to not to business with these companies ( other than exit from society all together ) free market principles will not work to solve this problem. And I am forced to pay their fees. For example, if I do n't like that XXXX charges a fee for a credit freeze, I ca n't just decide to move my business to Transunion. And for those who the can not easily afford the fees ( x3 because you need to do it at three companies ), this is even more burdensome and onerous. Thus some type of protection from these abuse of the market by these companies is needed. Some states have such laws, but not my state. 

In light of the egregious theft of my highly valuble personal information from XXXX, the importance of a security freeze is great. These comanies should allow me to protect my information without financial penalty.
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have contacted the company many times in regards to this. I do not owe this and have never had an account or contract with this company. I have contacted the Better Business Bureau as well as all of the Credit Bureaus in regards to this. I have not received validation of this debt and want it removed from my Credit Bureau accounts immediately ( XXXX, XXXX as well as XXXX ) and I want all contacts with this company to stop. They have contact family members in regards to this as well as given out information that should not have been given in regards to this to individuals that are not myself. They are also not licensed to collect in this state. They was supposed to remove this information from my credit bureaus already and they did then put it back on there. And never notified me. Thank you very much.
Consumer complaint received 2024-01-30
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2022-03-10
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-19
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. (MD)

In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian due to the lack of response following my dispute submission on XX/XX/2023. Despite disputing specific items on my credit report, including XXXX ( XXXX ) and two bankruptcy references ( XXXX and XXXX ), I have not received any investigation results from Experian. 

I am including a copy of my dispute letter for your reference and as proof of my attempt to address these inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Consumer complaint received 2017-12-31
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navient has reported SEVEN of my student loans as previously delinquent. This was recently learned when speaking to my lender about trying to obtain a mortgage. The student loans in question were wrongfully taken out of deferment and Navient will not correct the issue and remove the delinquent remarks on my credit report. I have tried speaking with them as well as disputing the information via the credit reporting agencies. I have been enrolled at XXXX XXXX since XX/XX/XXXX and am not anticipated to graduate until late XX/XX/XXXX, mid XX/XX/XXXX. The only remedy Navient has done is place the delinquent accounts in a current status. 

2 of them opened XX/XX/XXXX, with 4 missed payments, XX/XX/XXXX with 4 missed payments, XX/XX/XXXX with 4 missed payment, and 3 in XX/XX/XXXX with 4 missed payments. 

As a result of their inconsistency and unwillingness to assist an XXXX XXXX veteran, my credit score has  suffered immensely and my ability to get a home loan is now dependent on whether or not they will remedy their previous error.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BB&T CORPORATION (MI)

BB & T locked my savings account after a year of no withdrawals. I transferred funds into the account, after all, its a savings account - designed for long term savings - but BBT doesnt consider the transfer of dollars into the account as an activity. Now the dollars transferred are locked. They state that i need to come into a location to unlock and receive my funds. 

I live out of state. I have a notarized letter stating my desire to close out the account and release my funds. All attempts to fax fail as the line is constantly busy. The bank has yet to return my calls to e-mail them a signed copy as an alternative to their fax. 

This is the BB & T on XXXX XXXX in XXXX VA
Consumer complaint received 2022-01-05
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. (OH)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I was part of the XXXX credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did n't consent to my information being stored by XXXX, Experian, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place.
Consumer complaint received 2022-03-10
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-12-31
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. (TX)

On XX/XX/XXXX I called Equifax to notify them that previous attempts to have hard inquiries that were not authorized by me. I was told by XXXX they would be deleted. I was notified on the following day that they were verified as factual record of file access. They were not deleted as told to me on the XX/XX/XXXX and were updated as verified the following day. On XX/XX/XXXX I sent a letter to Equifax instructing them to remove these inquiries as they were not authorized by me and were n't related to any firm offer of credit, insurance, employment, or court order as the FCRA has put in place to protect consumers against actions that could be detrimental to their credit. This has in fact hurt my credit. On XX/XX/XXXX they placed that it was received and the XX/XX/XXXX they resent the same information " Inquiries are a factual record of file access. '' They are continuing to violate my rights as a consumer. Please investigate this for me and inform me of the results of the actions taken. 
Thank you
Consumer complaint received 2017-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (WA)

Some months ago, I received an on-line notice from XXXX XXXX Bank XXXX XXXX, Ohio that my XXXX. credit card payment was over due.I have never opened an account with this " bank '' and do not even know if they are a legitimate company.With all of the web security issues of late, I am more than a little reluctant to contact these people directly for fear that I may compromise myself further. 
I am constantly being called at all hours and emailed with threatening notices about this account. As a result, I have become paranoid about answering my phone, have trouble sleeping at night and have devolved into states of XXXX at times. 
All of my banking is done through my local credit union and my credit, except for this issue, is impeccable. My credit card has a zero balance and the interest rate is below 10 % a.p.r.I would never open an account such as the one in question that has an a.p.r.over 30 % and late fees of {$34.00}. 
I am a retired XXXX vet and live on my Social Security alone so my income puts me substantially below the national poverty line.
Consumer complaint received 2022-03-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I am currently disputing a medical debt with a collection agency and hospital. I submitted a request to XXXXExperianXXXX on XX/XX/2022 to mark the debt as disputed on my credit report, but all three have not done so, and I have received no acknowledgement of my dispute or any investigation.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

In late XXXX, I was issued new credit cards with new credit card numbers because one of the cards on my account was last and the old credit cards were canceled. However, Chase continued to accept charges for XXXX from my son, who had access to my old credit card but not my new one. To date, Chase has accepted four unauthorized purchases totaling {$52.00}. I disputed the charges because my son is not authorized to use my new credit card but Chase refused to reverse the charges because I had made purchases from XXXX on my old card and told me to contact XXXX about cancelling my son 's XXXX account, which I ca n't do because it is my son 's account, not mine, and XXXX will not cancel an old card without giving them a new, valid card, which he does not have. I explained to Chase that I did not authorize the four XXXX purchases but they contend that because I authorized purchases from XXXX under the old card in the past, that I am responsible for all further purchases from XXXX ( and XXXX and any other merchants with which I have done business ) that continue to be made under the cancelled card.
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

On or around XX/XX/XXXX, I received an offer ( addressed to me and mailed to my business ) from American Express, offering XXXX XXXX Preferred Guest points for the first {$5000.00} spent and another XXXX XXXX Preferred Guest points for an additional {$5000.00} spent. I accepted the promotional offer ( which American Express has confirmed was noted on my account ) and the card was activated in XX/XX/XXXX. I spent {$7900.00} over a period of several weeks ( and paid the balance in full ), but no SPG points were received as offered. I contacted American Express approximately ten days ago, and was told it was possible I was n't eligible because I had previously owned the card which was closed in XX/XX/XXXX. The American Express associated indicated she would forward the issue to " escalated complaints '' for clarification. I called again today, and after being disconnected twice, was connected with XXXX ( employee ID XXXX of XXXX, AZ ) a supervisor with American Express. He agreed I should be awarded the points, as American Express solicited the promotional offer, it was noted on my account and I met the required terms. After being placed on hold for a few minutes, he indicated that I would not be given the points.
Consumer complaint received 2017-12-31
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)

I filed a dispute with the reporting agencies, there are hard inquires on my report that I did not authorize, I requested them to be taken off and removed or to show e proof of my consent and they denied to remove or provided proof.
Consumer complaint received 2017-12-31
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: Experian Information Solutions Inc. (FL)

I contacted XXXX XXXX by phone to dispute the fraudulent account that was opened under my name before I turned XXXX years old. I sent in my birth certificate and ID to prove my age but the account was never deleted. I was homeless and living from pillar to post when my identity was stolen and compromised. I disputed the charge for over one year with each credit bureau and with the creditor. I want it deleted.