davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-11
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Oklahoma Student Loan Authority (OH)

In 2019 around XXXX I decided to join the XXXX. I enlisted XX/XX/2019, and found out that I was leaving to go to basic a week later. I called my students loan to make sure they had me in deferment but the system was down that whole week. I went off to basic for my students loan to take me out deferment because I wasnt in school and start charging me for my students loan from XXXX of 2019. I called the company to see if they can take of my credit report. The company Osla told me they cant take off my credit unless I was XXXX for those months.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-10-12
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. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accountsand inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX OF XXXX Account Number : XXXX Please remove it from my credit report. 

13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. These are unquestionably billing issues, thus I demand to see concrete evidence from the creditor 's bank accounts that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX Balance Owed : {$250.00}
Consumer complaint received 2022-07-15
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 asked for an examination of the challenged account, which the 3 Credit Bureaus said was verified, in writing on XX/XX/2022. I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about this specific account in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc (GA)

On or around the XXXX of XXXX, I don't remember the date exactly, a weight loss pill no one ordered or asked for showed up at our house. We threw it all away and forgot about it. I did notice two charges on my account on XX/XX/XXXX for around {$7.00} a piece, ( one forXX/XX/XXXXand another for XX/XX/XXXX, example attached ) but they looked like in-app purchases my kids might have made so I disregarded them. 

On the XXXX of XXXX, we received a notification from XXXX that a transaction of {$110.00} had been made on my account by XXXX. I didn't recognize the charge so we declined it, XXXX turned my card off, and we went ahead and had my card canceled and a new one issued, assuming fraud. 

On XX/XX/XXXX, XXXX, and XXXX, I received six emails, two each day, indicating that there was an attempt to chare {$110.00} to my credit card and the issuer declined those transactions. All links on the emails lead to XXXX sites and other than an address in XXXX, there is no contact information on any of these emails XXXX example attached ). 

On XX/XX/21, a company calling itself " XXXX XXXXXX/XX/XXXX indicated they were calling to collect a debt of {$240.00} from me for the aforementioned weight loss pill product. I told the organization that they were not to contact me and I would be levying a complaint with the CFPB. The individual hung up on me without providing a mailing address.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit 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: Klarna AB (CA)

I brought the ticke to klarna for {$670.00} Still no had ticket either reservation still no refund my {$330.00} I give down payment for buy the ticket still say investigation and nothing happened until todsy
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (GA)

I am submitting this because the 3 credit reporting agencies did not respond to my dispute letter sent to them on XX/XX/2022. They are reporting misleading inaccuracies on my report. This is keeping me from obtaining credit.
Consumer complaint received 2022-08-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX  so where is the information coming from? Who was on this joint account? This information is violating the fcra.
Consumer complaint received 2022-06-23
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. (OK)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX Account number- XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone number ( XXXX ) XXXX Date opened, XX/XX/XXXX Balance on XX/XX/XXXX - Original balance {$260.00} has violated rights of privacy.

15 U.S.C 1681 SECTION 602 A. STATES i have the right to privacy 15 U.S.C 1981 SECTION 604. A SECTION 2 states that the consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-23
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX CRED ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TIME XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-25
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. (GA)

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. XXXX. Account Name : USDOEXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # 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.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

National Mortgage LLC ( Mr. Cooper ) funded my mortgage in XX/XX/XXXX. Since then I have always made my monthly payments in the amount of {$2900.00} ( {$820.00} a month goes to Escrow ).

Last year my Escrow, managed by them, paid my insurance but the premiums almost doubled, so I canceled that policy and got another cheaper one. The Escrow paid the second policy as well. As soon as I got a refund from the first policy, I paid it over to the Escrow, the payment completely zeroed out the Escrow deficit. Unfortunately, the mortgage company can't get their records straight. They are still calculating my required Escrow balance to ccomodate both insurance premiums. They send me troubling letters and keep offering me government help and arrangements to postpone my mortgage payoff. I keep calling them and explaining that I'm current on my mortgage and they are making a mistake. But they won't fix their records. Eventually I got a letter, dated XX/XX/XXXX that I'm in default. My records show that my current Escrow balance is underfunded by {$170.00}. They claim I owe {$7600.00}.
Consumer complaint received 2022-08-23
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-23
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. (SC)

Regarding the fraudulent information being reported on my credit report, I am making this CFPB complaint to the credit bureaux today. On XX/XX/XXXX, I sent a letter to the credit bureaux asking them to delete the accounts, personal information, and inquiries that are wholly UNKNOWN to me. I found this law today, and it states that the Credit Bureaus must delete all accounts and information after XX/XX/XXXX, not later than XXXX business days, in accordance with FCRA 605B ( 15 U.S.C. 1681XXXX ). This has already been mentioned in my earlier complaints ( # XXXX, # XXXX, and # XXXX ), and I'm including it again. I am requesting that the credit bureaux totally erase the following entries from my credit report in accordance with the provisions of FCRA XXXX XXXX : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$230.00} XXXX  XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} REC XXXX XXXX XXXX Balance XXXX XXXX {$15000.00} REC XXXX XXXX XXXX Balance Owed XXXX {$6700.00} XXXX  XXXX XXXX XXXX Balance Owed : {$230.00} XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXX XXXX Owed : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$350.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$350.00} XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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. (GA)

This is XXXX XXXX and I am submitting this CFPB Complaint to day to follow up the previous complaint I submitted last XXXX XX/XX/2022. I previously sent a letter addressed to the Credit Bureaus on XX/XX/2022, with complete attachments of personal identifying dcouments such as my Driver 's license, and Proof of Billing address, to remove Accounts, Personal informatio and inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. I need the following fraudulent items deleted from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} ( Original Creditor : ) XXXX Balance : {$390.00} ( Original Creditor : ) XXXX Balance : {$280.00} US DEPT ED XXXX Balance : {$7100.00} US DEPT ED XXXX Balance : {$6800.00} US DEPT ED XXXX Balance : {$5600.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$9400.00} US DEPT ED XXXX Balance : {$3100.00} US DEPT ED XXXXXXXX Balance XXXX {$460.00} US DEPT ED XXXX Balance : {$1600.00} US DEPT ED XXXX Balance : {$8100.00} US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (SC)

Application : XXXX I applied for an extension of credit and was denied by Barclays because they're are approving consumers by a judgemental scoring system which is discrimination as congress states in the Federal Equal Opportunity Act. Barclays did not act in good faith because credit isn't a privilege but it's the right granted. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. According to 12 USC 1431 banks are borrowers and not lenders and my application was a financial asset. Barclays has a transaction on my consumer report which me there was an unauthorized use of my credit card ( 15 USC 1602p ) where I didn't receive any benefit from the consumer credit transaction.
Consumer complaint received 2024-12-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

From XX/XX/XXXX - to XX/XX/XXXX there are several unauthorized transactions from my accounts which is obviously fraudulent. It's over and over again, due to me XXXX XXXX XXXX XXXX XXXX XXXX I was unaware of these changes in my account. As soon as I saw these unauthorized charges via Wells Fargo I reached out for help. About {$8000.00} was drained from account over this span with constant charges from XXXXXXXX XXXX XXXX XXXX I looked them up and they are crypto currency platforms. After waiting on hold for almost an hour and not getting anyone ( several times ). I finally hear from someone more than a week later. Every time they called, and I answered no one was on the line. When they called and I finally got someone they told me my claim has been denied, and they are reimbursing me. This was our family 's savings! And even for our XXXXXXXX XXXX which we don't have now. Our rent and car payments all late! This has been the worst experiences from any bank we have ever partnered with and now we are left with nothing for our children on the holidays. 

Charges include : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$500.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} I can not believe this was allowed and is not being taken care of.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

On Saturday, XX/XX/XXXX, I noticed several transactions in my checking account that were not my own. These transaction occurred on XX/XX/XXXX all were listed as " CA MODE XXXX, CA, XXXX '' and ranged in amounts of the following : {$32.00} ; {$69.00} ; {$95.00} ; {$120.00} ; {$160.00} for a total of {$480.00}. I was not alerted that these transactions had occurred even though I only use my debit card for ATM withdrawals. I called and had a long wait and an even longer process of making a formal transaction dispute for each transaction. I was told I would receive a summary email and new debit card shortly. I have not received either of these things. When I call Ally Bank, the wait time exceeds an hour and eventually, the system hangs up on me. I have not been credited the amount taken from me while Ally Bank makes an investigation into my dispute. I have since learned that this a widespread issue specifically with Ally Bank debit cards and they have not alerted their customers to take the necessary precautions. They have remained silent when their warnings could have prevented many people from being needlessly scammed.