davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (MA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-08
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I attempted to pay off two unsubsidized XXXX loans in lump sums, in the online Navient system, on XX/XX/2018. These were for the amounts of XXXX and XXXX. Because I have previously done this, my bank account was saved in the online system and was the default choice for these payments. I later found out, without any notification from Navient, that these payments were 'reversed ' because 'the bank rejected payment '. My bank had no record of them even attempting this payment ; the first Navient representative with whom I spoke told me they sent me notification of this reversal, which is not true. 

When I investigated, I found that my bank account that was stored previously in the system had been deleted from the system, despite the Navient customer support having a record of the attempt from my original checking account. This is suspicious. I do not mind having to re-enter my account, but Navient earned ~XXXX  dollars in interest by having my payments reversed and not telling me about it. When I tried to have this interest taken off future payments, they told me that they can not physically connect me to the 'processing ' ( disputes ) department, and that I must handwrite a letter to send in to their department, which will take 30 days to review. 

I hope this is not a common or intentional occurrence. {$7.00} dollars, while small as a once off, could amount to quite a bit over thousands of borrowers. As a separate issue, it is obvious that handwriting a letter to the disputes department, paying for postage, taking the time to drop it off at a post office, is their way of betting that you will not follow through with the complaint. There should be an easier way to make these claims online, as there is for virtually every other process in their system.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (AZ)

I have open an account with fintech company called " Current ''. this company advertise to give 4 % interest on product called " savings pod '' on $ XXXX dollars in account. Company expected to credit interest every day. 

Based on this information i deposited $ XXXX. I was expecting to receive the interest payment of around {$.00} on XXXX but received only {$.00}. 

When i contacted the customer care they could not point me to the resource which can explain the difference between expected and actual interest amount credit to my account. 

My suspicion is that company is not clear with account terms and attracting customers with wrong information. I have screenshot of the chat with customer care which i can share to show that company employees could not point to the resource or reason why there is the difference. 

Here is the link about company in XXXX : XXXX XXXX XXXXXXXX
Consumer complaint received 2021-01-07
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: Credit Plus Inc (IL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX, 2020, CREDIT PLUS add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-02-17
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. (FL)

I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Consumer complaint received 2018-11-14
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

Re : CFPB CASE NO. XXXX After receiving citibank 's response I contacted them ( after very long hold times and numerous calls and online attempts ) and requested they close both my checking and savings accounts and send me the proceeds. They were not cooperative and still have not returned all of my money. I have records of appx. 12 conversations regarding this matter, including conversations and messages left for Mr. XXXX XXXX ( referenced in citibank 's response letter ) but I still don't have my money. I am rightfully owed {$8500.00} and demand they pay me immediately.
Consumer complaint received 2022-04-24
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. (FL)

Account # : XXXX Account name : XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (FL)

Account # : XXXX Account name : XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX  Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (CT)

I have not had a XXXX account since probably 2012. When I closed my account and changed providers I owed them nothing, and have heard nothing since. Today I received a letter from Jefferson Capital stating I owe {$270.00} ; when I called I got put on hold and disconnected 3x.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (MI)

I received a phone call from one of my past colleges ( XXXX XXXX XXXX College ) notifying me that I had loans that were close to defaulting. I had never elected loans and had not been aware of any student loans in my name. I got in contact with the loan provider and found out that there were 12 loans in my name totaling nearly {$30000.00}. I made two payments soon after the initial phone call totaling {$2000.00}. After seeking advice, I mailed the Great Lakes two letters requesting copies of the loan document ( s ) and proof that I had taken the loan and requested that my credit score be restored due to being unaware of the loans. The letters were dated XX/XX/XXXX. 

On XX/XX/XXXX, Great Lakes provided a copy of the loan document. The loan document bore a digital signature, providing no proof of the identity of the person who took the loan. The document listed my name, but was missing all other personal information ( birthdate, social security number, and driver 's license number ). Furthermore, the document did not suggest that I would have ever received any communication regarding the loan as the document listed a mailing address, email address, and phone number that were not my own. 

Legal counsel was sought and I am mailing an additional letter to Great Lakes in response to the loan document provided. I am requesting a response from Great Lakes within 30 days of receipt.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (DC)

The company located at phone number XXXX keeps calling me and harassing me for collection of a debt owed by my deceased brother, XXXX XXXX XXXX who passed away in XXXX. I am his brother and I have nothing to do with his estate which was settled by his family. They have been calling me and harassing me for over three years. I first started receiving phone calls from an individual who identified himself as " Mr. XXXX '' who threatened to sue me and report me to the credit bureaus, etc. if I did not pay my brother 's debt. I called the XXXX 's office in XXXX XXXX  where I live and the individual who answered the phone transferred me to another individual in his office who looked up " Mr. XXXX '' and the phone number and told me that this was just a fly by night collection agency who buys the the list of owed debt from companies that have trouble collecting the monies and then resorts to tactics such as calling and threatening family members to pay the debt. From what I was told, his company has also bought a number of " XXXX, XXXX, and XXXX '' numbers that automatically call out to individuals trying to collect the debt. I have been harassed by these individuals for three years now and I want it stopped and I am willing to take any legal action necessary to stop these people for using their deceitful tactics to collect money from other individuals who might have done their due diligence as I have in order to ensure that these individuals are identified as the frauds that they are!
Consumer complaint received 2019-03-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: TMX Finance LLC (TX)

I opened a title loan on XX/XX/2018. I was referred by my parents. They had a title loan with the same company previously with no problems. When I went to get my title loan, everything went smoothly. I was told that the printer wasn't working so I couldn't get a copy of my paperwork. This should have been a red flag, but I didn't catch it. My mother was with me and can testify to the fact that I was told this. I've been making my payments regularly. I renewed my loan in XXXX. Once again making regular payments. I've asked twice what my payoff was and both times were told the same number within a few dollars. That's when I suspected something was wrong. I can't make payments for 5 months and make no progress on my loan. Payments made were 200 to 300 dollars every month. This past Monday, I transferred money to my mother so that she could make my payment. I transferred {$200.00}, she took out the cash and made the payments. While she was there, she noticed that there's an app for the Title Loan company. We downloaded the app and checked on my account. This is when I noticed that I was only credited for {$40.00} to my account. When she pulled the receipt from her purse, it was an old receipt reprinted from XXXX showing a {$200.00} payment with a women 's name, when she made the payment to a man. When he gave her the receipt, she only looked to see that my account was credited and that the amount was correct. It was only when we saw that my payment was short did we look at the entire receipt. I realize that this is my word against his but this is the truth of what happened. I don't know how long my account has been skimmed but I want a forensic accounting and my account closed. I would love to file fraud charges against the man and the company.
Consumer complaint received 2022-09-29
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)

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.

1.XXXX XXXX XXXX/ Account number 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 an account without my written instructions/consent. 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 2018-11-14
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: EQUIFAX, INC. (NC)

I sent a letter to the credit bureaus on XX/XX/XXXX. In my letter, I identified 5 accounts that were reporting erroneous information, and asked the credit bureaus to correct those items. It is my understanding that the credit bureaus are required to investigate the disputed accounts and respond with the results inside of 30 days. I have not received a response from any of them. Today is XX/XX/XXXX, and that is 40 days since my letters were mailed. I am going to attach a copy of the letter that was sent to them.
Consumer complaint received 2021-07-06
Product: Vehicle loan or lease — Lease
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: HYUNDAI CAPITAL AMERICA (NJ)

This complaint has to do with Hyundai Moor Finance I was sure to obtain correct lease buy-out quote, mailing address and properly filled out odometer statement. It was sent via certified mail on XX/XX/XXXX. 

Money was then withdrawn from my account on XX/XX/XXXX and odometer statement appeared to be in the completed stage under my account. 

When I reached out to customer service numerous times, I was always told that odometer statement was not attached to my account and theres a need to send another one. Which I did via direct email, secure email and fax on multiple occasions just to be told, another copy is needed and this is causing a delay. Its very frustrating dealing with customer service who are clearly not tracking previous customer communication and provide different reasons each time I call. It also doesnt help that each time we speak a period of 5-10 days is needed for my records to be updated. 

I was finally reassured that odometer statement is on file and no further documentation is required a full month later. However, when I reach out to see if title is in the mail I am being told that no progress has been made as its in the hands of titles department. I understand normal processing time is allowed but I should at least have an idea of when I can expect it. Customer service has no information to help and was told theres nothing they can do. 

This is beyond unreasonable. I paid for the car. There was no issue taking money from my bank account. This title belongs to me and you have no legal right to hold it XXXX or provide basic customer service to a client. 

for reference HMF account # XXXX
Consumer complaint received 2021-07-06
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. (VA)

This bankruptcy should not be on my credit report. According to 15 U.S. Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit report. I have attached my FTC report that was sent on XX/XX/21 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to report the bankruptcy on my credit report!
Consumer complaint received 2021-07-06
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: CL Holdings LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2018-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

Today XX/XX/2018, I logged into my Navient student loan account to make my monthly payment ( it was 2 days past due ). This payment was to be in the amount of {$68.00}. I made this payment and immediately noticed that the amount stated for next months payment is {$190.00}. I did not receive any notice, in any form of this change in payment amount. I phoned Navient and the representative told me they sent me an email notice on XX/XX/XXXX regarding the change. A thorough investigation of my inbox, trash and spam folders for that date yielded no such email. 
The company did requalify me for graduated repayment ( although at a slightly higher rate than I was previously paying ), but accepted no responsibility in my not receiving notice of the change in repayment terms. This is not the first issue I have had with Navient and I wish their shady practices to be taken seriously.
Consumer complaint received 2021-07-06
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: COMMERCE BANK (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.