davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: First Federal Credit Control, Inc. (OH)

I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My XXXX score remains low. My XXXX  score is fine. Why is XXXX XXXX and XXXX  XXXX? The hit to my credit with First Federal has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact First Federal. I had the same problem with XXXX before. If my credit scores are so vastly different there is a problem. My problem is historically always with XXXX. Not sure what they are doing but its not correct and should be corrected.
Consumer complaint received 2019-06-07
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. (NY)

I placed a credit freeze on my account with TransUnion. Yesterday I tried to go on their website to remove this credit freeze because I need to change my cell phone company and I cant do it because of this issue. In the process of me creating an account they couldnt verify my identity. I proceeded to call the customer service number and the individual I spoke to still for some reason couldnt verify my identity and gave me another phone number to call. I called the number that was given to me and asked to speak to a manager. I was transferred to someone by the name of XXXX XXXX who claimed to be a manager. She refused to assist me because I could not recall the PIN number I had used over a year ago when I first placed this credit freeze on my account with TransUnion. It is ludicrous that they are refusing to remove this credit freeze from my account because I can not recall a PIN number that was used once over a year ago. I can not conduct business because of this companies refusal to help me remove this credit freeze. Its unprofessional and its affecting my life in a negative matter.
Consumer complaint received 2019-06-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CT)

My loan goes back to SM in XXXX taken out I believe for XXXX College ( this college is closed now ). I have been making payments since this date. I went on the site and the college they are listing is not my college on the load??? XXXX XXXX College in XXXX. I spoke with an XXXX XXXX who is now researching this. I informed him I am not paying on this loan until I get clarification. He told me I don't qualify for stopping payments and/or forbearance??? I don't trust them now but if I don't pay I'm afraid my credit will be affected!! If the college closes I thought the loan could be dismissed but he also told me it depends on the circumstances. Please help me if you can. I know there have been several issues with Navient ( mine is a private loan ).
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OR)

I have American express card and was having financial difficulty in XXXX due to the government shut down and my account was put on hardship then in XXXX the account billing cycle came out and I contacted them on XX/XX/XXXX about the account wanting a XXXX payment I had just lost my job and couldn't make that payment spoke to representative by the name of XXXX on chat and he told me to call in. I called and spoke to representative, they advise me account would go back on hardship for 2 billing cycles and not to worry about payment. I went back today XXXX to make payment on another card the account was past due and not taken care of. I contacted customer service they demanded payment I ttied to explain the I called and this was taken care they cant find record of call they say only chat telling me to call, which I did. they wont put the account on hardship and now its almost 30 days past due they are refusing to help in anyway im being punished because someone didn't do there job correctly. I was lied to and tried unfairly like I was just some deadbeat that couldn't pay my bills yes Im in hardship but that's why I contacted them a month ago to take care of it.
Consumer complaint received 2017-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help
Consumer complaint received 2021-01-29
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: WELLS FARGO & COMPANY (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXXXXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

In XXXX of 2023, I missed one payment to American Express. Last month as shown by the dashboard screenshot attached, they closed my account. American Express as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both XXXX and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Consumer complaint received 2019-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have 5 revolving accounts that had fraudulent charges made on them and experience wont investigate them. 
XXXX XXXX XXXX XXXX {$1900.00} {$2000.00} 100 % Revolving Negative XX/XX/2011 XXXXXXXX XXXX DELAWARE XXXX {$8000.00} {$7600.00} 106 % Revolving Negative XX/XX/2011 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3800.00} {$3500.00} 109 % Revolving Negative XX/XX/2011 XXXX XXXX XXXX   XXXX {$2100.00}
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

There are addresses and a phone number on my credit report that are not mine. I have never lived at those addresses nor used that phone number. 
The addresses are : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX The phone number is ( XXXX ) XXXX
Consumer complaint received 2021-02-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under the XXXX Covid-19 protection plan they state that any late payments will not be reported. I took this information from their website. On my home equity line of credit they are showing my home equity line of credit worst payment status as 30/60/90 days late when it should say current and in the times section 1 for over 30 days. it states below it should read as deferred. payment history is also stating a late payment in XXXX of XXXX. What's the point of going into this program if they will report late payments on your credit report? Need this changed based on the info below available on their website. 
During the assistance period, well report any delayed payments as deferred, not late or missed. You can get information on your credit score by going to XXXX Mortgage Deferment ( Opens Overlay ) or by calling XXXX at XXXX. Your payment history, including payments delayed under this assistance program, may impact your eligibility for future credit.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

I entered into a contact with Santander Consumer USA approximately 31 months ago. The amount of {$13000.00} was financed, at an interest rate of 23.8 %, for the purpose of purchasing a 2015 XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX ( XXXX, FL ). To date, I have paid Santander the amount of {$12000.00}, over 31 months, toward satisfaction of this loan. 

While I have paid {$12000.00} over 31 months of a 72-month loan taken in the amount of {$13000.00}, and tried to satisfy his obligation early, Santander demands yet another {$11000.00} ( {$23000.00} in total, at a profit of nearly % 70 ) before it will release the title. Profiting in the amount of {$9700.00} from lending me {$13000.00}, over 31 months, would seem to constitute usury and violate clearly established laws governing consumer protection. 
The GAP insurance product that was sold to me by Santanderthat added nearly {$1000.00} to his loanhas already been declared unlawful.https : XXXX. Subprime, predatory lending practiceslike what occurred herehave already resulted in a number of consent decrees against Santander.https : XXXX. 

Like millions of Americans during the pandemic, I experienced some financial hardship as a result of lost income stemming from the impact of COVID-19. During this period, Santander offered assistance through loan extension programs. While these extensions were marketed as COVID-related relief, Santander applied an additional {$610.00} in undisclosed fees to the account, which I was not told about. The extensions also resulted in additional interest under terms that were not clearly defined at the time they were marketed as pandemic relief.

The Truth in Lending Act ( TILA ) aims to ensure that borrowers such as myself receive a clear and understandable layout of certain costs and terms. TILA also requires lenders to lay out the terms in a uniform way, and make the risks and costs of borrowing transparent, and to protect consumers from predatory lending. The terms of my loan with Santander fail to satisfy TILA requirements on a number of fronts. Particularly, those provisions identified on Page 3 ( OTHER IMPORTANT AGREEMENTS ). At no time did I understand that even if I were to pay off this loan 42 months early that I would be liable for an additional {$9700.00} beyond the principal amount borrowed. 

The below calculations explain the problems with my loan. I'm seeking a settlement for the rest of this loan. Paying Santander Consumer USA nearly 170 % of the loan amount he received is outrageous. 

Amount Fin. {$13000.00} Total Paid : {$12000.00} Applied as follows : Interest : {$9300.00} Principal : {$2400.00} Late Fees : {$360.00} Misc Fees : {$250.00} Payoff Quote : {$11000.00} Final Amount : {$23000.00} ( 69.54 % profit ) Profit : {$9700.00} over 31 months
Consumer complaint received 2021-08-11
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: JPMORGAN CHASE & CO. (PA)

I have these item that is not mine and i want it to be removed. 

1. Identity Theft JPMCB CARD Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX  has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON, XX/XX/XXXX My card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MN)

Problem with personal statement of dispute ( explaining why you disagree with a lender 's decision after an investigation ) Can anymore show me in writing as to when XXXX XXXX was entered I will need this information dated back from XX/XX/19 if you are not able to provide me any proof you will need to delete XXXX immediately XXXX CAN NOT supply me with anything XXXX I have called your office about this your failure to delete the account is now FCRA And sent multiple CFPB complaint XXXX and Equifax you have as well receive countless of disputes about this same issues none of you are able to send me XXXX therefore you all must delete XXXX XXXX you all have committed multiple violation of the FCRA send me the XXXX XXXX proof no XXXX  XXXX
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XXXX XXXX company put a force insurance policy on our building. The fire was on XX/XX/2020 and they will not response to us, pay for the damages, give us a point person to handle this situation, will not cooperate with us and title company to remove a cloud on title, will not give us a copy of the force insurance policy. Insurance company will not talk to us stating we are a third party. See attached letters.
Consumer complaint received 2021-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a complaint for XXXX XXXX XXXX XXXX XXXX Ohio. My Transunion score remains low. My XXXX score is fine. Why is Transunion XXXX and XXXX XXXX? The hit to my credit with XXXX XXXX has been paid and the address with doctor corrected and my credit scores are not nearly the same. I have contacted a lawyer to contact XXXX XXXX. I had the same problem with Transunion before. If my credit scores are so vastly different there is a problem. My problem is historically always with Transunion. Not sure what they are doing but its not correct and should be corrected.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are two collection accounts on my credit report and I know they are too old to be on my report.

The first one is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The second is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have disputed this many times and they never send any documentation showing when/if I was son
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am again being charged a late fee because the credit card company stated I was an hour late paying my bill. They said I needed to pay by XXXX XXXX- I live on the XXXX XXXX XXXX I have never had to pay a bill by a certain time of day. Also, it is not clearly stated that it is XXXX XXXX ; I believe this is an attempt to collect additional money from customers ( in addition to high interest rates ). Payments are required by a certain date- in my experience, ending at midnight ( local time ) based on my location. 
when I called initially, I was lead to believe by the rep I spoke with that I just needed to call in the next day to ask for the fee to be waived. When I called to have the fee waived they refused to even discuss it saying the person I spoke with should NOT have said that and I had to pay by the time they stated regardless of where I lived. I believe this is an attempt to fraudulently collect fees and take advantage of customers - senior citizens in particular ; I am over XXXX XXXX XXXX.
Consumer complaint received 2021-02-04
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: Santander Consumer USA Holdings Inc. (FL)

SANTANDER CONSUMER USA - XXXX Opened Date XX/XX/2020 Balance {$13000.00} As a consumer I have rights that are given to me to cover me through mis-information being cited on this credit report. At this stage I need to make a last demand for assessment before I talk with my attorney for advice on how to deal with inaccurate and unverifiable items that are continuing to be affirmed as true. Please make sure to deliver me along with a copy with the agreement fixed or voice discussion where I granted billing me concerning this account.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit report shows inaccurate and unverified account information. I have reported the issue to Transunion on XX/XX/2021 via phone and XX/XX/2021 via certified mail. XXXX has not validated the inquiries and/or removed them. Transunion is violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), by not providing complete and accurate reporting at the request of the consumer.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I am SO frustrated with the credit bureaus having missing or incorrect information My Equifax credit score DROPPED 15 points and the only changes documented were 2 accounts that had significant balances paid down which should have helped! Not dropped my score
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-01-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IL)

Santander consumer usa has in the past submitted incorrect information on my account to credit bureau. I told you all before about unfair practices and you did nothing.They have not corrected information on my loan in timely manner in past giving me poor score They already charge me interest only payments without applying to loan or thoroughly explaining it .We are under new administration in washington and new guy President Biden put in place i am contacting him letting him know your agency has done nothing out of all CFPB complaints I've submitted
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

unfortunately, I am a victim of XXXX XXXX  of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )