davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (FL)

I filed XXXX disputes with TransUnion Credit Bureau to dispute a wrong information on my XXXX XXXX account. This account was paid off on XX/XX/XXXX and XXXX closed the account ( as it was already paid off ) on XX/XX/XXXX. TransUnion is showing this account as with serious delinquencies as it was not paid on XXXX even when the account was totally paid off on XX/XX/XXXX. In all my disputes with TU they are replying me that according to their investigation their data is correct. I called XXXX XXXX ( XXXX ) on XX/XX/XXXX to verify the standing of my old account with them. XXXX XXXX said that they never received a complain/ dispute from TU regarding my account and if so they should have answered that my account was in perfect order and always paid on time and as agreed. It is evident that TransUnion made a mistake which they not even bother to investigate after receiving XXXX disputes and always cut and paste the same response : INVESTIGATION RESULTS- VERIFIED AS ACCURATE when they never even contacted the provider to process my dispute on their own wrong information. Amazing and a shame!!!
Consumer complaint received 2021-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (NJ)

In XXXX of XXXX I was forced to resign from my job due to COVID 19 pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to resign for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XXXX payment on times as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my disruption to XXXX and attempt to get my late payments from XX/XX/XXXX to XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it.. I have attached photos to show my last payment for the big {$1400.00} lump sum catching up and showing that my account is now current.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I feel Navient misled me about the public service loan in XX/XX/XXXX. Navient led me to believe that I was on my way to being qualified for a public service loan due to making nearly 10 years of student loan payments on time. I completed all the paperwork including having former employers to sign off on my service and submitted everything only to be told after the fact that because I had not combined my two Stafford Subsidized loans I would not qualify, although both loans are servi

ced by Navient. I have since thrown away all the PSFL
paperwork believing I did not want to risk changing anything to my federally subsidized loan and that I would be able to pay off the loan before XX/XX/XXXX.

Thanks for hearing my frustration. It is sad that financial institutions are allowed to take advantage of students in the way I and others -- I'm now learning, have been taken advantage of.
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2020 I received an offer from Chase XXXX XXXX for 5 % Unlimited cash back on travel purchased through Chase Ultimate Rewards. On XX/XX/2020, I charged a cruise deposit of {$600.00} on my Chase XXXX XXXX  Rewards Card. On my XX/XX/2020 statement, my reward on this travel was only 1.5 %. When I contacted Chase and spoke to XXXX and then XXXX, a manager, they informed me that I needed to go to the Chase Rewards website to book the travel in order to get the reward. No where does the XX/XX/2020 email say anything about a website only that " ... travel purchases booked using your card through the Ultimate Rewards program ... '' would receive the 5 %. My card statement clearly indicates on the statement " CHASE XXXX UNLIMITED REWARDS, '' leading me to believe using the card qualified me for the 5 %. Chase 's advertising is at best misleading, and at worst fraudulent. Thus, Chase successfully convinced me to use their card over a competitor 's card then ripped me off {$21.00}, offered but not awarded. I can not not trust their advertising in the future.
Consumer complaint received 2023-01-20
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. (IL)

I sent a letter on XX/XX/22 to XXXX, TransUnion, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Consumer complaint received 2023-01-20
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. (CT)

I called XXXX XXXX XXXX XXXX many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Consumer complaint received 2024-03-12
Product: Credit 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. (MT)

On XX/XX/XXXX I attempted to pay a XXXX XXXX with a credit card. The merchant took my card and and told me they were processing the transaction on my credit card. Then told me the transaction on my card didn't work. I then paid the merchant in cash. I later noticed the merchant did actually charge my card. 

I then attempted to dispute the charge on XX/XX/XXXX with Chase bank online. I could not complete the dispute online and was prompted to call. When I explained the situation to the Chase agent I was told they couldn't file a dispute because I don't have a cash receipt from the merchant. 

This was obviously a scam on the street merchants side and is fraud. Chase has made no attempts to resolve this issue further.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (UT)

I am currently in the PSLF program which is serviced by FedLOAN ( US Dept of Education ). In XXXX of XXXX, I noticed they had incorrectly calculated the number of " qualifying payments '' to my account. At that time, at their request, I made a formal complaint for a recount. I received a partial recount update last year ; however, again, they are woefully shy of the roughly 7-8 years of payments I have made since XXXX being employed full time by 501 ( c ) organizations, where I remain working full time teaching medicine to this day. 

I call FedLoan every 3-4 weeks and continue to be told, " we are sorry, we are understaffed. We no longer have a timeline when your request for a recount will be done ''. This severely impacts decision-making for my career and further negatively impacts my decision to consider working in an area of severe unmet medical need.

This process has now entered is 3rd year since my requests.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I informed the company the debt was the product of identity theft. The company asked for and received proof of my residency at the time of the rental in question. I sent the entire ledger from my current residence. The account was removed from my credit file by XXXX. The company then placed a fraudulent address on my credit, reduced the debt by XXXX and put it back on my credit. I would like this company permanently blocked from my credit file.
Consumer complaint received 2017-07-06
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: YKS Acceptance, Inc. (IN)

I contacted Herbies Auto Sales ( Y King S Corp ) about this consumer action ( https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-herbies-auto-sales-for-unlawful-lending-practices/ ) that falls within the time I financed a car through them. My car loan is paid off as of XX/XX/XXXX and I received the title release, so there 's no problem there. ( Purchased in XX/XX/XXXX ) However, per the terms of the consumer action, I was supposed to receive an adjustment to what I 've paid or a refund for the amount. Other than a letter than was sent last year, Herbies has not actually refunded any of the money per their own letter when they said adjustments or refunds would be made. The letter said they would be " calculating '' the amount and would follow up, but this never happened. <P/>Even after my car was paid off, no one ever made an attempt to let me know about the refund or that I was entitled to one until I checked my records and realized this action was pending. I contacted Herbies and was told the finance department " does not handle the warranty refunds '' and was directed to the voice mail of a " supervisor '' who has never contacted me regarding this issue.
Consumer complaint received 2020-10-22
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. (FL)

I have sent a lot of letters to the credit bureau, because the errors are affecting my credit score a lot, but they don't respond my letters. Please investigate about my case and remove every error on it. I paid accounts with charge-off, and is still appering on my credit report.
Consumer complaint received 2017-08-10
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: Midwest Recovery Systems (GA)

I recently started monitoring my credit report more closely using XXXX XXXX. On XX/XX/XXXX I noticed a collection on my XXXX report from a Company called " Midwest Recovery Systems, LLC '' for {$850.00} for a payday loan that was open XX/XX/XXXX. The original creditor 's name is " XXXX XXXX XXXX ''. On XX/XX/XXXX, I sent a certified letter to XXXX disputing this fraudulent account/collection. My dispute letter was received on XX/XX/XXXX. Today, XX/XX/XXXX marks my 30 day mark of waiting. I am currently waiting for XXXX to respond via mail. I have never applied for a payday loan. I have never heard of either company, as well. I was unemployed throughout the entire year of XXXX. I did not have a bank account either. This is a fraudulent collection on my account from a bogus company that stole my identity. Currently ( XX/XX/XXXX ), my XXXX report states that this collection is being disputed, but that is still not good enough for me. I decided to file a dispute with the CFPB, after reading many reviews of people filing a dispute with XXXX and still not getting a resolution. I have read thousands of reviews of other consumers stating that " Midwest Recovery Systems, LLC '' did the same to them. How is this company still able to do this without legal ramifications? I am ready to send a legal notice to Midwest Recovery Systems, LLC with the intention to sue, if this fraudulent collection is not removed from my account. I have never received a single communication from this company saying that I owe them, or that the collection was going on my credit report, which they have to give me a 30 days notice before that is done so I can dispute. They did not do this, because the company is practicing illegal credit reporting. So many laws have been broken. This is beyond criminal.
Consumer complaint received 2019-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX  or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (PA)

XXXX XXXX To Whom it May Concern, Im writing because I have a major concern with an issue with your servicing of my loan and reporting to the credit bureaus ( specifically XXXX  I believe ). I previously had a mortgage in which you serviced ( loan # XXXX ) that was paid off in XXXX of 2017. I have recently applied for a new mortgage and was told that I could not qualify as I had three 30 day lates on my this mortgage dating XXXX, XXXX and XXXX of 2017 ( see attached credit report page ). This is an obvious mistake as Ive never been late with my mortgage let alone any other bills, and I need this rectified as soon as possible. 

I have provided proof of the XX/XX/2017 mortgage payment. In XX/XX/2017 we sold the house and received a payoff statement ( also included ) that included XXXX payment ; the closing occurred XX/XX/17 ( which is also attached ). So logically if the payment is due XX/XX/17 there is no way it could be 30 days late ( this isnt even including the 15 day grace period your company provides ). Obviously the XX/XX/2017 30 day late is completely false as the mortgage was paid off XX/XX/17, so Im unsure how that is even possible. 

I have tried several times to speak with customer service reps in your office who have told me they do not have any access to my loan as it has been archived, which seems ridiculous to me as the loan was closed less than 12 months ago and you reported the late payments to the credit bureaus only recently. I work in finance and soft pull my credit report randomly and did so not more than 2 months ago prior to searching for a new mortgage/house and the late payments were not on there so this happened recently and Im unsure why they would appear just now as the supposed late payments were from XXXX. 

I understand mistakes occur in business, but I need to have this reconciled as quickly as possible as I need to get new housing as I dont have any other options. I was very surprised to see these lates show up and obviously they greatly affected my credit score. Please let me know whatever else you need from me or what/if anything I can do to expedite this reconciliation. I need documentation from you verifying that there were no late payments as quickly as possible and then I would need you to contact the 3 credit bureaus indicating the same to have these lates removed.
Consumer complaint received 2020-07-25
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. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion did not investigate an account on my credit profile for XXXX XXXX XXXX this is not my account and I have never had an account with them
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Revenue Assistance Corporation dba Revenue Group (FL)

XXXX XXXX, 2017 received a call claiming they have a case against me that I owe a debt and if I do n't call them back, I have no legal protection. I have called 3 times and when I ask for information I have had the phone disconnected on me. They answer the phone, stating XXXX or speak to a particular person says he is XXXX XXXX, when I questioned him, he repeatedly disconnected me. The phone number is XXXX. I also get a call everyday from a group which shows up as Revenue Group on my caller ID XXXX.
Consumer complaint received 2020-04-23
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. (FL)

This account was closed at my request in 2018 ( attached ). This bank changed its name and listed my status to CLOSED ( attached ) and then listed the account as a charge off. This is a potential violation of the FDCPA. I never received any correspondence.
Consumer complaint received 2023-01-20
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. (NY)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy. ( 15 USC 1681 ( Section 6 0 4A Section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX  is reporting a payment status of 90 days late, Experian is reporting no late payments and XXXX  is not reporting this account. XXXX XXXX XXXX : XXXX  is reporting a payment status of 30 days late, Experian is reporting a status of 30 days late, XXXX  is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, Experian and XXXX  are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX  considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, Experian and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.