davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-24
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$24000.00}
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXXXXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (IN)

over a five month period I paid off four installment loans and two credit cards years in advance. Upon completing this goal, my credit score DROPPED significantly. The Credit Bureau said that was because I am now considered a 'thin file ' what they did NOT do is herald me for the herculean effort, dedication and commitment to paying off these loans ( you know the stuff we are supposed to be judged for ... ) these acts clearly demonstrate the credit reporting trinity does not measure the consumer on their honesty, integrity or performance, but rather on made up metrics that change to suit their interests and that of the credit companies who simply want to charge higher rates. This is a very disheartening unfair and uneven playing field. No one is holding this group accountable for their actions. It needs to stop.
Consumer complaint received 2021-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying XXXX XXXX XXXX of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however XXXX is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

XXXX has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''. 

I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point. 

I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?
Consumer complaint received 2021-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I purchase a use XXXX XXXX XXXX  in XX/XX/XXXX, 4 months later the car was in a accident. I had insurance but it it issue a little late but was active and when the insurance company found out about the auto accident they didn't honor my payment, So i contacted my lender and told them my situation. I did have gap insurance. The lender sent their insurance appraiser to appraise the damage. The car was total with all air bags deploy and unrepairable damage. But their appraiser came back and said we miss the coverage of the gap coverage by {$100.00} dollar and they wont cover cause the damages was more then the car value by XXXX dollars.. So i stop making payments on a car that i could not drive. i ask them to pick the car up then to sell it and i owe the balance. They stated that they didn't want the car. So after the first few month of non payment they stop reporting it on my credit report .. Fast forward 3 & 1/2 yr later they stared reporting miss payments and adding charges.. I do not understand why this car was not charge off. I'm thinking they got paid for the car already with there gap insurance and still trying to collect them selves. this account is 5 & 1/2 years old and they still reporting late payments on my credit report and i never receive statements balance or nothing, how can they do this?
Consumer complaint received 2023-04-14
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all XXXX bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I have repeatedly called their CS line as well as even RETURNED promotional offers and them trying to get you to sign up for some other stuff they send. I don't want them. I have even opted out with the credit bureaus even to my email I should not be getting this nonsense -- so you should NOT be sending me anything offering anything extra email or regular mail. I have a card with you. That is it, if there is nothing that needs to be sent in regards to that card, do not send me this misleading GARBAGE anymore.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (WV)

On XXXX I made a payment of XXXX to an incorrect vendor. ( XXXX credit card services ) the XXXX card was actually " closed ''. However, The money was debited from my account on XXXX. After filing notarized documents, XXXX plus phone calls, being told that my claim is now being handled by a 3rd party ( XXXX  ) I still have not be returned the funds. I made the initial mistake... I can't imagine I am the first person to ever do this. I would appreciate the funds be returned. I would be glad to provide any other needed information.
Consumer complaint received 2023-03-28
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2021, {$8700.00} was withdrawn fraudulently from my account by someone in Texas. I live on the XXXX XXXX. On XX/XX/2021, {$8000.00} was withdrawn fraudulently from my account. On XX/XX/2021, {$5000.00} was withdrawn fraudulently from my account. 2 of the transactions occurred at the same branch and then another branch. The bank did not catch this. I alerted the bank on XX/XX/2021, of the fraudulent transactions. I have spoken to the bank in person and on the phone multiple times since then and spent countless hours trying to rectify this. The bank has given me multiple answers as to how this happened and when it will be resolved. As of now, my {$21000.00} is still frozen and I dont have an idea of when this will be resolved. The bank would also not tell me how this could have happened, they always say it is being investigated. I have had to place freezes on my credit reports to ensure no further fraudulent activity occurs. I feel like I being taken advantage of due to elderly age and lack of familiarity with fraud processes.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I went to the website XXXX XXXX XXXX to lock my transunion credit report. The site directed me through multiple links, none of which advised of a fee, to follow to lock my credit report. After inputting my personal information, the site would not proceed with the lock without my credit card number, which I provided. No fee was advertised so I thought it was part of the identity verification process. I was immediately charged a fee of {$29.00}. I called their customer service number and was told that this fee was for receiving the three credit reports, which I did not ask for and was not advised of a fee since I know we can get those online for free each year. Transunion refuses to refund the fee even though it was obtained through false and misleading advertising.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax failed to delete inaccurate and outdated personal information such as addresses and names on my consumer report. The letter was received XX/XX/22, pursuant to USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. In the letter I contained a copy of my ID, Social Security Number, and a utility bill and a letter requesting to delete outdated personal information and update with current personal information.
Consumer complaint received 2023-03-28
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. (TX)

I have a bankruptcy reporting on XXXX of my credit reports ( Transunion and XXXX ). I have contacted both credit bureaus on more than XXXX occasion requesting this be investigated, the method of verification provided and for the account to be removed. I have also provided a letter from the court stating that they do not report public records to the credit reporting agencies, however I continue to receive letters stating that the debt has been verified but have failed to provide the method in which the debt was verified after several requests. In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S Code 1681 Section 602A, states that I have a right to privacy.

15 U.S Code 1681E ( b ), states that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (GA)

I have 115 qualifying payments out of 120 qualifying payments for PSLF. I sent an employment verification form via XXXX XXXX XXXX XXXX and the document was signed and received XX/XX/2023. The employment verification from XXXX onward has still not processed and my count still shows 115 which is only up until XXXX. I now have many more and am far past the 120 payments for PSLF. This is Mohela. I spoke to Mohela and they said they are waiting on Federal Student Aid Gov. Logging onto my account at Studentaid.gov, none of these counts are reflected and there is no indication of how long processing takes. Studentaid.gov doesnt seem to have any of this information and Im stuck making all these extra payments.
Consumer complaint received 2023-07-14
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. (TX)

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.

The letters are stated with items and issues.

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 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOK FINANCIAL CORP (TX)

Its second time that it happened that Bank of Texas blocked me from using XXXX AND I had used my account regularly and normally and I did not used my XXXX profile fraudulently and I did not used my XXXX lately or receive any money transaction fraudulently at all and the money I sent are thru friend or family. And found out someone ( Roommate ) stolen my identity and open an bank account and mobile line under my name and registered on XXXX XXXX and received money and now XXXX blocked me on my bank on every XXXX  on my bank saying i violated the user agreement and I had already file a police report about the identity theft
Consumer complaint received 2022-08-21
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. (TX)

PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX the following inquiries were not authorized please delete ; 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 XXXX XXXX XXXX