davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

We have gone into forbearance due to a worldwide pandemic as of XX/XX/XXXX, We were approved for forbearance and even managed to make our XX/XX/XXXX mortgage thankfully due to the stimulus that was given to us as tax payers by our government. We have requested and were approved by our mortgage company for an extension on the forbearance until the end of XX/XX/XXXX. 
XXXX XXXX XXXX  has continued to report our payment as late to the Credit Bureaus and we continue to receive correspondence that we owe the missed payments and are in jeopardy of foreclosure. At the same time we continue to receive correspondence stating that we are in forbearance and no payment is due! We should be protected by the CARES Act and this is becoming a battle that may require Legal Assistance that we can not afford. We have made multiple disputes with both the bureaus and the mortgage company to no avail. We have also been in constant contact with the lender in regards to this matter. We could really use some help in order to resolve this issue.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (MO)

I had a hardship & was in between jobs. And made a payment late, i sent over a goodwill letter asking them can the reporting be fixed. They sent a letter stating i need to reach out the credit bureaus. But i know they are reporting to the credit bureasus thats why i went to the creditor themself. This is really affecting my score this late payment history.
Consumer complaint received 2023-01-11
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. (CA)

I have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I previously asked for an investigation as this company is not providing information that is accurate. This company is reporting that this account is paid in full a payment and I'm asking if this is true can they provide proof of paid in full. This company can not provide me with proof because this account is in litigation with a balance and this company is providing information that's not factual data on my credit file.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I do not have a contract or debt with this company. I have never heard of them until it appeared on my credit. They seemed to have purchased a charged off acct. Which I have no knowledge of. I do not owe this company any money.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Dear Whom it may concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX XXXX XXXX XXXX XXXXXXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2018-07-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have a Navient Signature Student loan. I am in repayment now. I have been told that I have lost the Loan/Borrower Benefit of Signature Rewards - 0.5 % Aft 48M of on-time payments. I am 2 years into repayment. I have made all payments on-time. I have been told that I have lost this benefit because I didn't make the payments after graduating from XXXX XXXX. I was in deferment and forbearance during XXXX and XXXX and was never in repayment until I finished training. This is a substantial amount of savings that I am loosing. I have repeated asked for the promissory notes to be sent to me so I can check the terms. Repeatedly they have said that they will send them to me and haven't. Other loans I have with Navient, both federal and private, have not lost this benefit and therefore I believe this to prove an accounting error that I have no power to correct. There is no way for me to see the accounting record since Navient persuades one to use paperless billing and use their website which does not show an accurate full and up to date record of account history. The representatives on the phone are unclear on the benefit rights and do not have access to the promissory notes to read this to me. Also, I am not clear as to why multiple loans I hold with Navient have had interest capitalize 3 times while I was in XXXX and XXXX during uninterrupted deferment and forbearance. Please help!
Consumer complaint received 2021-09-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

Ive been dealing with the company to take the joint buyer of the loan so that we could purchase a home. I was told yes but to wait a few more weeks. Then I was told sorry we cant approve you anymore after 39 days the waited to tell me that now I cant take him off the loan when initially was a Yes.. 
Then I call to get a settlement so that I could try to pay it off, I was given excuses after excuses.. For two weeks I was told it was in process.. I FINALLY SPEAK TO THE DISTRIC MANAGER just told tell me she couldnt give me a settlement because I can afford my bills And Im not in a financial situation.. I explained the situation SHE CARED LESS.. basically told me to pay my bills so that I can get approval for the loan to take my husband off the loan.. I FELT DISCRIMINATED SHE WAS HATEFUL TO ME Ive had many loans with them and never felt mistreated like she did. I told her I will file a complaint she said TO DO SO she was going doing her job. She gave me {$100.00} off the loan.. wouldnt retroactive the pay off to the day I called to get my pay off or settlement that she refused to give me. Im very disappointed with this company and they had emotionally hurt me, they hurt our approval bc of their diligence on not telling us the truth since the beginning. 
Something needs to get done ASAP!! I paid off my loan but I still think I need a reimbursement for all This hustle I went through emotionally.
Consumer complaint received 2020-04-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have contacted this company named XXXX XXXX since XXXX regarding a personal line of credit that was issued. I have been provided with misleading information regarding the dispute of their investigation every since time! Ive spoken too a resolution specialist in the Iowa Office XXXX XXXX and he provided me the resolution too resolve the matter, and once I accepted that offer the executive office lost contact with that representative. The representative XXXX XXXX was unable to be reached.. I was given the run-around by EVERY supervisor when calling in AND, I had to provide my story every single time! This amount is excessive and higher than the original balance the company has been in a class action lawsuit XX/XX/XXXX regarding damaging credit and was suppose too release at least an amount of {$25.00} XXXX too non-compensatory damages. I NEVER received any information regarding they would assist as I complained EVERY YEAR too this company about my compliant. I have all documentation regarding the suit and how they allegedly claimed to help those who was hurt. Within the Case XXXX XXXX XXXX 2. Settlement Benefits it states : Net Settlement Pool 1, which will be 77.46 % of the net settlement fund, will go too paying damages related too period running from XX/XX/XXXX through XX/XX/XXXX. The documentation Also states they as in XXXX XXXX would pay for the Fee Damages, and Credit Impact Damages for the XX/XX/XXXX-XX/XX/XXXXto write and still leave at least {>= $1,000,000} for Non-Compensatory Damages The documentation states they are Obligated too pay the amount. It states as well if a previous consumer has complained too XXXX XXXX or Federal Agencies they would be automatically enrolled into the settlement in section ECF 162-9. AS I READ SA 2.37, 2.42 XXXX XXXX has AGREED too pay {$1.00} XXXX towards their so called expert analysis which wouldve been the title of XXXX XXXX who was miraculously retired/and or fired.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (VA)

15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. 
Equifax removed credit transaction ( XXXX ) from my consumer report but left a furnished account that says below : ( XXXX XXXX XXXX ) The remaining credit reporting agencies have not removed this account from my consumer report.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

I went to the website of www.equifaxsecurity2017.com because of the recent identity theft that Equifax reported on over 100,000,000 consumer files. I found out that my file probably had been compromised. I followed the instructions and was told I would received an email in several days. This was onXX/XX/XXXX. I checked my email again every day including Spam etc., but no email! I re-enrolled again on XX/XX/XXXX and received an email 0n XX/XX/XXXX from XXXX, not Equifax. I remembered that was the Equifax Product that was being offered for free. Had I not known of that I would have deleted thinking it was Spam like so many other people would. I think this is a way that Equifax is trying to get out of offering this for free! Also, When I followed the instructions on line from XXXX it told me to call a XXXX number and ended up in the XXXX and talked someone that has my personal information and had broken XXXX. I think that Equifax makes it difficult for consumers to obtain their products for free when they are the ones that are responsible for the Identity breach. I also know 2 other consumers that never received the email or thought it was spam!
Consumer complaint received 2020-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX and XXXX, 2020, I was charged {$230.00} from XXXX XXXX XXXX. I do not have any accounts with them. Therefore, I contacted my credit card company which is Capital One. I let them know that nobody in my account had authorized these charges and that I wanted to dispute them. I have contacted them several times for the same reason, and every time I contacted them, they tell me the same, that I will see a refund on my card within the next weeks. I have been waiting now for months and I am still not seeing the refund. Due to Capital One not doing anything about it, I then contacted XXXX XXXX XXXX directly, and the person who is helping me with the case, wanted to get the full credit card number and the expiration date of the credit card used to pay for these transactions or a number that is the EST. I do not have the credit card anymore. So I called Capital One to request this information and they did not want to help me out with anything. They do not either want to refund my money. I need some help with them please.
Consumer complaint received 2022-08-13
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. (GA)

This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX DOE XXXXXXXX Balance : {$0.00} DOE XXXXXXXX XXXX Balance : $ XXXXDOE XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-11-12
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS ON THERE THAT ARE NOT MINE. PLEASE REFER TO ATTACHED IDENTITY THEFT POLICE REPORT, CASE # XXXX ACCOUNTS TO BE DELETED : 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 ACCOUNTS TO BE AMENDED : 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 ( {$800.00} limit ) XXXX XXXX XXXX # XXXX ( {$550.00} limit ) XXXX XXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THANK YOU, XXXX XXXX
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a letter in a mail that BB & T ran my credit for a car loan. I did not authorize them to use my information. This is not the first time my personal information has been used or released from this bank. Its the main reason why i left
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
I C SYSTEM ( Original Creditor : 11 XXXX XXXX ) XXXX {$140.00}
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX ( XXXXXXXX XXXX  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 602 A section 2, it also states a consumer reporting agency can not furnish an account with out my written instruction or consent.
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-08-18
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. (OH)

I recently applied for a mortgage & my mortgage lender informed me that Experian was reporting to collection accounts from XXXX XXXX XXXX on my report. I called XXXX XXXX XXXX & they informed me that these accounts were not mine but were my mothers & that they shouldn't be reporting on my report. I attempted to get the accounts removed by disputing them but they are still showing up on my credit report which makes no sense because the collection company is stating they aren't even reporting the information my to credit agencies.
Consumer complaint received 2020-11-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

on XX/XX/2020 I sent a letter to Experian, XX/XX/XXXX, and XX/XX/XXXXto remove in accurate information from my account. I have not received any response from the credit bureaus about my request. On XX/XX/2020 I sent another request asking the credit bureaus to respond and still i have not received a response it is now XX/XX/2020. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.
Consumer complaint received 2020-12-09
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. (IL)

I recently sent letters over 60 days ago to the bureaus and they are disregarding a regular consumer dispute. I am beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging effect on my credit report and score.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (NV)

After the servicing transferred to Selene Finance since XX/XX/2020. As of today, XX/XX/2020, Selene Finance hasn't send me a statement for my loan break down and my payment break down. 

Based on my record, I reached out to them 5 time since XX/XX/2020, and I still haven't received my statement. 

They even marked my payment for past due 37 days and did not want to sent me a statement after 69 days of servicing transferred to them.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.