davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc. (PA)

The Pennsylvania Attorney Generals Office advised me to contact you to file this complaint. 

I am trying to help my son with a credit score issue. He was recently denied a vehicle loan and a mortgage because after having loans since XXXX and having a credit score in the XXXX, the three big credit scoring agencies are listing him as unscoreable. After weeks of trying to get through to a live person at Experian, he was told he is listed as unscoreable since he hasn't had an active loan ( or credit card- which he has never had and refuses to get ). We both know multiple people with no active loans or credit cards who still have a credit score. He was told he needs to open a credit card or take out a loan. The problem is, he can't get a loan without a credit score and he can't get a credit score without a loan. Can you please tell us how we can get this matter resolved? We are at a loss at how to proceed. It doesn't seem fair that all of a sudden, after all his previous loans are shown on his credit reports and " paid on time, no issues, closed '', in XXXX of XXXX his credit score was XXXX and in XXXX of XXXX it was XXXX and now, he is unscoreable. If these loans stay on his credit report for years, why is he listed as unscoreable? All these credit reporting agencies need to do is look at his report. To not have any score at all, out of the clear blue sky and without any warning at all is causing him nothing but problems. Please help!
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian failed to obtain my XXXX  XXXX XXXX credit card information since XXXX or XX/XX/XXXX. The missing information includes : - Account Type - Status - Credit Limit - Terms - Balance Updated - Recent Payment Amount My FICO score has been lower than previous months since then. 

Action I took : ( 1 ) I contacted XXXX  XXXX XXXX by phone on XX/XX/XXXX and was told to file a dispute with Experian. Other credit bureaus were getting the information without any issues. 
( 2 ) I contacted Experian using the online dispute platform on XX/XX/XXXX about the situation, and submitted evidence for my active XXXX  XXXX XXXX credit card account. 
( 3 ) I got a response on XX/XX/XXXX saying the dispute was resolved. However, the information was still not showing in the credit report. I filed a follow-up dispute on the same day. 
( 4 ) I got another response on XX/XX/XXXX saying the dispute was resolved. The status on file did not change at all. Information is still missing on my credit report ( please see the attached file ). 
( 5 ) I contacted XXXX XXXX XXXX with the phone number provided on the Experian dispute report. The hotline does not transfer me to any associates to help me solve the problem. 

I am unsure that filing another follow-up dispute would help. I have few options than to file a complaint with the CFPB to follow up the dispute. Thank you.
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SUNTRUST BANKS, INC. (TN)

Ive contacted Sun Trust serveral times and just get the run around. I recently sent them a copy of my Identity Theft Report from the Federal Trade Commission along with my driver lisence and social security number. I got a letter back from Sun Trust saying they need account number and specific information being disputed. They have all the information from me. I cant help they let someone open up a account in my name without getting ahold of me first. If they wouldve paid attention to my credit reports theyre been serveral fraud alerts on them.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (CA)

Regions Bank is reporting that I am over 30 days late on my monthly payment. I have proof that the bank receives the check but they do not process the check up to 3 and 4 days causing their system to show that I am over 30 days. I am not disputing that I was over 10 days and they can charge a late fee, BUT I was not over 30 days later! I should not be penalized for their process time ; they received my payment prior to 30 days past the due date of the XXXX.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (AL)

n accordance with fair credit reporting act XXXX  Account # XXXX has violated my rights.15 u.s.c. 1681 section 602 A states i have right to privacy.15u.s.c 1681section 602A it also states a cosumer reporting agency can not furnish account without my written instructions. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-14
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (MA)

When Ally Financial finally got caught as a subprime lending scam over a year ago and successfully sued for said action I contacted them and told them to remove the actions off of my credit and they did. Sort of. They listed it paid but never corrected the constant credit report abuse of misleading and incorrect data. 

I was a co-signer. Its my exhusbands loan to which he was repossessed twice and we paid thousands to fix repossessions to get back car. He paid off the loan right before class action. {$28000.00} when I told them to remove and correct due to class action they did so. However in a year Ive struggled to raise my credit XXXX points and then dropped it this month XXXX points for again incorrectly reporting payment history and to why they did so Im unsure of. Cant be legal. This was reported paid. Finished. After 8 years of trying so hard to fix my credit to purchase a home white in college full time and working as hard as I am to secure a affordable car loan with my tax refunds they did this. I was almost at XXXX and not Im in the XXXX again. +10 % interest on any loan if I can even afford it now. This is so unfair. XXXX paid it and theyre in a class action why are they still requiring credit of mine to which Im working so hard for. Im trying ti buy a home so I can finally have a roof over my head. This isnt okay and Im about ready to sue them myself. Ive had my credit go above and under every time I raised it for 8 years.
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NJ)

Once again, I write to complain about the intolerable dysfunction of my checking account at JP Morgan which is not being serviced in any reasonable manner. Numerous previous CFPB complaints about the same and related issues have resulted in no discernible difference using this account. 

Today I tried again to make a small test payment with XXXX from this checking account. And again, I was blocked from doing so. Specifically, prompts within online banking initially claimed that there was no cell phone listed in my profile information, despite the fact that one was already listed and had been entered weeks ago. I then entered the same cell phone number that JP Morgan already had and the same non-sensical message indicated that the cell phone number entered was not a cell phone number. As previously reported, I am blocked from using XXXX while it has been advertised as a service on the account for months to years. 

After determining that the cell phone number that JP Morgan already had and that I re-entered was not recognized as a cell phone number by JP Morgan, thus preventing me from being able to use XXXX, the other joint owner on this account tried to send {$1.00} to the same family member through XXXX. Although the {$1.00} test XXXX payment that we were trying to send to the recipient was deducted from the checking account, within minutes, it was credited back to the account. In addition, it showed that the money had been sent to the wrong bank rather than to the correct one. Not surprisingly, the default, incorrect bank was Chase. 

In multiple ways, two joint owners of this account were again blocked from transferring their money through XXXX, blocked from entering accurate information for an outside receiving bank, denied the widely advertised service of using XXXX, and generally blocked from transferring any money outside of JP Morgan and its minions of related institutions. 

The pattern of repeatedly dysfunctional interference with all electronic transfers of funds is that JP Morgan is unreasonably preventing money from leaving its holdings through any means. I have reported similar interferences with other kinds of electronic transfers of funds. This pattern is similar to another one characteristic of JP Morgan Chase : the quick posting of debits to credit card accounts while taking, twice, three-times or even longer to post credits. There is widespread evidence of JP Morgan generally hoarding funds owned by its customers and refusing to release them for any number of reasons. 

Finally, we know that the would-be recipient of these XXXX payments, a family member, never got any notification from XXXX or JP Morgan on his cell phone, providing more evidence that the payment is being stopped for illicit reasons by JP Morgan.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX/DEPT OF ED # XXXX XXXX/DEPT OF ED # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I am submitting this communication as a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX who has an engaged in a predatory, deceitful, and willful practices to destroy and ruin my credit. As a way of background, On XX/XX/XXXX, I obtained a HELOC from Citibank on a property I owned at XXXX XXXX XXXX XXXX NY XXXX, the predecessor in interest to XXXX, there was an ambiguous and unsubstantiated debt which was contested paid for at least 13 years and subsequently after that period XXXX  produced a payoff letter which was paid in full on or about XX/XX/XXXX. Payoff letters were generated and mailed to me ensuring that the debt was fully satisfied, about a year later XX/XX/XXXX, XXXX starts reporting to all the credit bureaus instances of delinquent payments and continues to do the same every month until today. This has tremendously damaged my credit worthiness and my business prospects, which caused numerous business opportunities to be quashed as a direct result of XXXX willful malicious conduct
Consumer complaint received 2016-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I got behind on my payments on my second and third mortgages. Under threat of foreclosure I forwarded Chase checks to satisfy all due amounts on XXXX XXXX, 2016. I did not hear that my checks were received or cashed until I contacted a Chase representative on XXXX XXXX, 2016. At that time I was advised that the amounts that I had looked to be enough to reinstate XXXX mortgages. I was advised that XXXX mortgage would clearly would be reinstated. On the other mortgage the representative was uncertain as to whether I sent enough money 's in. He advised me he would contact me should additional fees or monies be needed. The representative did not call me as he indicated he would. 
In early XXXX I received a letter from Chase dated XXXX XXXX, 2016 that indicated both mortgages were referred for a Foreclosure Process. 
I sought information as to when a Foreclosure process might have been filed and was advised it was filed on Recorded on XXXX XXXX, 2016. 
As noted above, the checks that I wrote to Chase were dated XXXX XXXX, 2016. XXXX of the checks had the date written as received on XXXX XXXX, 2016, and stamped for processing on XXXX XXXX, 2016. This particular check was not processed by my bank until XXXX XXXX, 2016. 
The other check, dated XXXX XXXX, 2016, was noted as being received on XXXX XXXX, 2016, but not stamped for processing until XXXX XXXX, 2016. My bank processed this check on XXXX XXXX, 2016. 
I wrote Chase additional checks on XXXX XXXX, 2016. XXXX of the checks indicates it was received on XXXX XXXX, 2016, but was not stamped for processing until XXXX XXXX, 2016. My bank did not clear this check until XXXX XXXX, 2016. The other check is not available to me. But, my back indicates it was processed by them on XXXX XXXX, 2016. 
This week received monthly statements from Chase which indicated a monthly payment was required by XXXX XXXX, 2016. These payments under XXXX mortgages were mailed on XXXX XXXX, 2016, and XXXX XXXX, 2016. XXXX billing invoices indicate I am current on monthly payments noted. 
Unfortunately, Chase continues to pursue Foreclosure procedures and I continue to be contacted to by real estate agencies, and attorney offices. 
At this time, I really do n't understand why Foreclosure procedures were ever recorded based upon the information a Chase representative provided me on XXXX XXXX, 2016. Furthermore, I fail to see why Chase would pursue such an option when the information they provide me clearly indicate all delinquent payments have been received. Moreover, Chase not only received delinquent payments but the amounts of moneys sent them far exceeded what was due. 
As of this date I have been advised that my property is set for sale on XXXX XXXX or XXXX, 2016. I want to know how Chase can do this when no further funds or fees are owed them. 
Your help in this matter would be appreciated.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (RI)

When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and Trans Union Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Transunion accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. The fraudulent account reporting is as follows XXXX  XXXX XXXX Date Opened : XX/XX/2017 Transunion also has has all these names on the file that has nothing to do with me XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy TransUnion accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. Enclosed is the letter I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (NY)

End of XX/XX/XXXX, early XX/XX/XXXX I called to have my XXXX services transferred to my new address as I was moving. I was told they didn't service my new address and I would be able to cancel services with no early termination issues. I was told I would receive a shipping label in the mail at my old address in order to return the equipment. I am XXXX so I was glad to hear that I wouldn't have to go in to the store. I never received the label so I took the equipment with me to my new address. I waited for a final bill until I moved and also when I moved I waited for a bill to be forwarded to my new address with my change of mail request. I received nothing. Now I received a phone call from Sunrise Credit Services today XX/XX/XXXX attempting to collect {$250.00} that I had no knowledge of owing. I called XXXX  immediately and the billing department was " unable to pull up a detailed bill '' so I was transferred to the retention department who I was told by XXXX  that could provide the breakdown. I was told by the retention department that I needed to go to the store with the equipment and that the billing department would be able to provide the breakdown and was cut off mid question and transferred back to the billing department and the line was disconnected.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd. (AZ)

On XXXX XXXX I sent a signed letter via certified mail offering to pay the full amount of XXXX as reported to all three major credit bureaus. My offer also states that the collection company would either remove the collection or change the status to pays as agreed. Collection Bureau of America did not respond in XXXX to 45 days or in a reasonable amount of time per the Fair Credit Reporting Act and collection was removed and no longer reporting. Collection Bureau of America did respond on XXXX XXXX, XXXX. Collection Bureau of Americas ' statement incorrectly states that I disputed collection and requested verification. As a reusult, the collection was reinserted and is reporting as a negative collection.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX I received multiple phone calls from my bank stating someone was attempting to transfer money in amount of XXXX dollars using the XXXX feature. It didnt sound right so I hung up on them and immediately called my bank fraud dept and told them this and to please freeze my account and do not allow any money to transfer out. They transferred my savings into another account in correct amount. I thought I was safe. The next day the transfer went through. This amount put me well over the actual limit that is allowed for the mos. I believe a Wells Fargo employee could be involved with this. No one can explain to me how this happened and my bank is refusing to refund my money. Wells Fargo is not protecting my money.