davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (WA)

In response to CFPB complaint XXXX, LexisNexis reported to CFPB that it " mailed a copy of XXXX XXXX 's LexisNexis Consumer Disclosure Report ( " LNCDR '' ) for his review on XX/XX/2024. '' LexisNexis failed to comply with its settlement agreement. As of the date of this complaint, LexisNexis has not provided me with a copy of its Consumer Disclosure Report that it maintains on me.
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I was divorced officially on XXXX XXXX, XXXX. In the divorce agreement it states the following : The wife shall have title to and possession of the XXXX XXXX XXXX and shall be responsible for any and all loan payments, insurance, ad valorem taxes, maintenance, etc. associated with said vehicle. 

I was to be relieved by court order of all car loan payments for said vehicle as of XXXX XXXX, XXXX. 

Wells Fargo has ignored this court order by the XXXX XXXX Superior Court & the state of Georgia. They have issued negative information to all three credit agencies regarding delinquent payments for this loan against me since XXXX XXXX, XXXX. I have repeatedly try to explain this information to Wells Fargo but they refuse to listen or abide by a court order.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Hi I 've made a payment on my  Amazon.com credit card, before I heard from them I saw my bank rejected the payment for one reason, I 've attached a snap shot where you can plainly see when they charged me {$29.00} ifs for Amazon while there was {$400.00} in my account. My payment was {$110.00}. Clearly the money  was there. I immediately I log on and pay {$300.00} and they tell me my account is closed. With no warning, no letter in the mail, no phone call. I 've called to try to speak with them but I 'm refused any help. I was informed that they sent a letter on the  XXXX . Which is 9 days after my payment was due. And told I would n't recieved it f or 9 to 1 0 days. Stating my account was closed. Also I 'm not given any information about the reporting of my account to the credit beurro. I was given an address at end of call t hat may or may not review my info. Also I asked if the payment was submitted 1 or 2 times to my ba nk and recieved no answer in regards to that.
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

For three years, Navient/XXXX XXXX has put my loan of roughly {$40000.00} in a forbearance because my salary at that time barely reached {$23000.00} without giving me an option of a low repayment when I applied during those three years for the Income-Based Repayment plan. Now, I am at a new job that almost tripled my salary and when the time came in XX/XX/XXXX to reapply for my repayment plan, the only option it allowed me to select was IBR again, even though I knew it would be rejected and that I was ready to apply for the Graduated Repayment plan. So I reapplied for the IBR and the next thing I received a few weeks later was a summary of my loan and saying that once again, I owed nothing. All of the sudden, in the week of XX/XX/XXXX, I received a bill from Navient telling me that I owed {$460.00} by XX/XX/XXXX -- no prior warning and no reason given why. I called them immediately and they told me I was denied for the IBR, but I received no letter and no e-mail telling me this information and offering me to apply for a different plan. I told them to put me into the Graduated Repayment plan over the phone. A week later, I received a letter telling me the information of what my payments will now be over the timeline of the loan, but now, with my first payment due next week, I have yet to receive the bill. I 'm trying to buy a house in the next few years and I am concerned that since they are either not sending my important information and bills or delaying these items, it will cause me to hurt my credit score since they wo n't receive their payments on time. This is unfair to me, who has been repaying three other private loans the last four years and I have NEVER been late on a single payment.
Consumer complaint received 2023-01-27
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. (NJ)

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

IM UNAWAREE OF THIS DEBT.I DIDN'T RECIEVE AN OPPORTUNITY TO DISPUTE THIS INFORMATION.IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY NAME AND MY SIGNATURE THANKS, JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2021-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (CA)

I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. 
Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX. 

In XXXX of XXXX I checked in with my XXXX  XXXX  services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles. 

I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract. 

This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies. 

XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX  XXXX  XXXX  XXXX  Plan. To this day I have not been able to repair the A/C in my vehicle due to this error. 

To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues. 

On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title. 

I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.
Consumer complaint received 2017-09-06
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

My complaint is against JP Morgan Chase and its about how long its taking our Modification to be completed. It has been over 4 years, we started trials over and over and every time we get to the 3rd payment they pull the trial process and come up with excuses of needed more paperwork, information etc ... It all started back in XXXX we wanted to refinance and found out we owe more than what the house is worth. We had a 3 in 1 arm and also found out that our mortgage payment was only principle not interest so in over 3 years the amount to be owed went from XXXX to XXXX. No one explained our payments to us, we had a choice of paying 4 different payments. long story short now our house is up on the Auction block due to the fact that it has taken so long for our modification to go through. We do n't want to loose our house over some technicality this bank is doing, it should not take this long for a modification, and every time I call for a update I get a different person with a different answer its very frustrating. I have wrote letters to the bank and to higher ups, sent one to the governor of Massachusetts, I just want some HELP PLEASE
Consumer complaint received 2017-09-06
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. (WA)

I put a XXXX  XXXX and a Fraud Alert on my credit reports, we 're military and move a lot and my information has been compromised and used before. I called Equifax to tell them I did n't authorize a few inquiries on my report, and that I needed them to validate the inquiries to prove that I did n't authorize them.! Equifax originally told me they would erase the inquiries, however there still on my report. I want them removed immediately. The inquiries are as followed. XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX on several different occasions XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (OK)

I don't have the exact dates. I am currently XXXX, Cash App who is in question, has locked two of my accounts randomly. I used cash app to jointly pay for things with my roommate, buy things from others and such. My first account locked randomly after I had contacted customer service on my XXXX and I was told to go to the advanced settings and select a " Erase app data on next launch '' option. I followed their instructions and then I was locked out of the account. This happened around XXXX or XXXX. 
I contacted support and made a new account and followed their instructions which included verifying my bank account info, the card on file, my name, zip code, and even sent pictures of my passport and let the app scan my face. Only to be told that the automated system would not let me access the account for security reasons. So I used the new account until I could get home and fix it where I could access my phone number but as of today XX/XX/year>, I was told do the same thing when a payment did not show up. I explained in the chat that I didn't want to because of what happened last time and I was assured it wouldn't. I was then locked out of my account and called support twice. The first time I was hung up on, the second time I was just told they would not do anything further to assist me. 

The first time they stated they would escalate it, but it was emails that resorted back to the beginning like there was no communication. The second time they told me they could escalate it but it wouldnt " change anything, Cash App is holding hundreds of dollars of my money and refuses to help even though I have provided all the correct info and even offered to get XXXX to get a notarized document for them. They have stolen my money and are refusing to give me access to it and seem to not care. 

The first account the email is XXXX The second account the email is XXXX The third account they made me make is XXXX XXXX
Consumer complaint received 2019-10-24
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. (IL)

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection on the XXXX XXXX, XXXX account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and I agreed to a pay for deletion with XXXX XXXX, XXXX. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Consumer complaint received 2017-08-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (MD)

I received a loan in the amount of {$450.00} from XXXX  XXXX around beginning of XX/XX/XXXX, 2017. I have made a payment every 2 weeks since it is automatically taken from my checking account and my balance never seems to go down. I have since then stopped making payments but have made payments over {$700.00} already. Please help the interest is ridiculous. I had no problem paying for what I borrowed which I already have and over that amount but the fees and interest is ridiculous.
Consumer complaint received 2022-03-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I disputed an item with Experian but I think they waited the 30 days to give me the same results. No investigation was ever done. XXXX put a negative item on my credit and I disputed it but nothing changed. XXXX never sent a debt validation letter. I have 5 current accounts with XXXX but none of that was mentioned. A sub account was added without my permission but XXXX never sent me a letter or any information to let me know that the sub account was in the rear and not being paid. If my main account was behind, I would get a text or phone call. Double Standards. Experian didnt investigate any of that.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fay Servicing, LLC (IL)

On XX/XX/21, I filed a complaint, with CFPB showing this account being fraudulent. They stated to this office, in there finding the assumption documents, hadnt been completed on there part. In to today, they still havent completed nor has they reach out, to have completed. Phones call Ive received, have all been automated, requesting funds. As Ive continue to explain, this loan was modified with wrong concepts I believe. I tried on 3 different occasion to refinance loan, one with this company in was denied by all three, which Ill show with uploaded documents. Also which should be in question is how did they determine this modification, the original loan was for {$91000.00} it was in additional {$60000.00} included with a interest rate of 6.5. I believe this was determined by a insurance check received for a ablaze building
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (MO)

IC Systems is reporting a debt on my account that I do not owe. They are claiming I owe a balance for XXXX XXXX XXXX unreturned equipment. I sent the equipment back! I have attached the ticket below stating that the equipment has been returned. I owe nothing to XXXX XXXX XXXX and they need to remove this.
Consumer complaint received 2024-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NJ)

the person is a fraud. he handled our business card when my car has some scratches. He lured me to open cash app to transfer money and pretend he is a legit shop. it turned out the business was legit, and he never worked there. He just made fake business card. After he ghosted me, I immediately contacted cash app to report the fraud. And it was the only transactions I ever had on cash app. But they declined me, and I disputed with my bank. My bank later on reversed the charges and said cash app was with the scammers.
Consumer complaint received 2020-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

At XX/XX/XXXX, I made a wire transfer through a HSBC branch to an Escrow company 's XXXX XXXX XXXX account, the amount is {$8000.00}, until XX/XX/XXXX, the escrow still didn't get the money, then I requested to withdraw this money, as of today, still didn't get any update from HSBC, I called them everyday, then everyday they just told me they are waiting response from their back-end department.
Consumer complaint received 2017-09-05
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. (TX)

Experian credit report shows two inquiries on my file from XXXX XXXX which were not initiated by me, on XX/XX/XXXX and XX/XX/XXXX. I have contacted both XXXX and Experian regarding the XXXX inquiry and was told it would be removed. That report is conveniently not available. I believe I made a dispute regarding the XXXX one a few weeks ago but no response, and I am literally unable to start a new one online- there is no " dispute '' button that they speak of when I follow their instructions. I now have an extended fraud alert request in with a different credit bureau.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX - XXXX
Consumer complaint received 2017-06-01
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. (MD)

I have tried contact the debt collector for an account listed on my credit report with  XXXX   XXXX   XXXX . I am unaware of the terms or conditions of this account. To the best of my knowledge I never had an account with them or  XXXX . I have sent  XXXX  request asking them to provide me with a contract of me agreeing to this debt and when. To date both of my request have gone ignored. I contacted the CB 's online to file a dispute but was given an error message. I then tried to call to have this matter resolved but the reps were nasty. All accounts must be verified and validated if they refuse to send me anything I would like to know what the Credit Bureaus used to validate this account upon placing it on my credit report.
Consumer complaint received 2021-09-04
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: I.C. System, Inc. (CA)

I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Consumer complaint received 2017-03-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bronstein & Weiss Arbitration (CA)

My family members keep getting harassing phone calls from a XXXX XXXX, stating he has filled a lawsuit against me and I need to contact him, before he submits my court order and all this is stated on a third party voice mail .. I call XXXX a get nothing but voice mails
Consumer complaint received 2017-03-03
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: UNITED STUDENT LOAN SOLUTIONS (MI)

I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.
Consumer complaint received 2024-03-31
Product: 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: Block, Inc. (TN)

I have file a complaint with XXXX due to them not providing service to me. I filed 2 disputes with Cashapp about this. Cashapp keep telling me that the service was giving to me after I have uploaded documents showing them over and over again that I never got service from them. I made to purchase on XX/XX/year> both for XXXX each. I have even filed a complaint with you all about this. But it makes no sense that my card company doesnt even look at the documents I sent. I file a dispute and the next day its denied. This same company keeps trying to charge my card till this day after I have told them to cancel my account. Their other other people that has had the same problem with this same company.