davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-10-30
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. (TX)

I received a letter from your company stating that I am working with a credit repair organization. I want to clarify that I am not using any third-party services. I am personally disputing certain accounts in collections and those with late payment remarks that I believe are inaccurate. 

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 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 Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate information on my credit report. Please review my report, correct any errors, and update my records accordingly. 

It is important that my credit report is 100 % accurate, and I request a re-evaluation of my account. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2022 I sent in letters to the credit bureaus asking them for verification on the inaccurate accounts that they were reporting to my credit report. The law says that they have 30 days, and it is well over 30 days. I have yet to receive a response from them on this matter. I'm upset and I feel like I'm being taken advantage of. This is a case of misleading false reporting and if this isn't settled, I will file for litigation. Please help me with this matter.
Consumer complaint received 2023-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

My loans were discharged through the XXXX program. The loans were transferred to MOHELA because they became the servicer of all XXXX loans in XXXX. 

My loan was discharged under XXXX with XXXX payments as of XX/XX/XXXX. I was notified of the discharge on XX/XX/XXXX. I made 23 payments after XX/XX/XXXX. I have not been refunded these payments. I made these payments to XXXX XXXX XXXX XXXX but these consolidated loans were transferred to Mohela as the new servicer and they claim because I never made any payments to them, they have nothing to refund. I talked to the ombuds who sent me to XXXX. I complained twice to them with this specifc information and they just said " your loans have been discharged '' I paid 23 payments of approximately {$10000.00} over the XXXX required by the law and am owed a refund that has been lost by the servicer ( MOHELA ) not acknowledged by the prior servicers ( XXXX XXXX XXXX XXXX ) and is being ignored by the federal agency.
Consumer complaint received 2023-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (TX)

I sent a wire Transfer from my XXXX account to my Wells Fargo account. Wells Fargo claims they have not recieved the wire transfer. Opened up an investigation at XXXX and they confirmed through the Fed Reserve that the money is intact at Wells Fargo. Also Wells Fargo sent a message to XXXX saying they received the wire but they are refusing to release the funds.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Trident Asset Management, L.L.C. (MI)

Trident Asset Management at XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of {$780.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

You transferred the servicing of my loan to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX loan number XXXX ) effective XX/XX/2021. I made three mortgage payments by ACH transfer to you on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have attached copies of my bank statements with these payments highlighted. 
I was informed by XXXX, XXXX that the XX/XX/2021, payment was transferred to them. As shown on the attached bank statement for the month of XX/XX/2021, on XX/XX/2021, you refunded the XX/XX/2021, payment to the bank account from which it was paid. The XX/XX/XXXX payment has neither been transferred to XXXX, XXXX nor refunded to me, as I believe is required by law. 

I have had numerous telephone conversations with your Customer Service Department, as well as with Customer Service of XXXX XXXX XXXX, to get this matter resolved, to no avail. In the meantime, XXXX XXXX XXXX is attempting to collect late fees from me, and has even sent two Notice of Default Right to Cure letters because of your failure to transfer the XXXX payment as required by law. This is causing my wife and I a great deal of stress and XXXX.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

My issue is with Portfolio Recovery Associates, a dent collector that paid pennies on the dollar for a debt previously owned by XXXX XXXX acct # XXXX. In multiple attempts to settle this debt, Ive chatted and called with offers but their unwillingness to work with my offer of 30 % of the debt seems unreasonable. I recently spoke with an operations manager who was rude in explaining their stance. My job was suspended XX/XX/XXXX due to COVID-19, and Ive made attempts that are more than reasonable for this company. Ive made offers to settle 3 current accounts with them to no avail. It seems their statement of caring for their customers is false, as this situation has been a nightmare. Im one of the few that are likely TRYING to resolve this debt with no success.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-10-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : Dispute of Collections Account # XXXX Dear Sir/Madam, I am writing to formally dispute the collections account listed on my credit report under the account number referenced above. ( XXXX XXXXXXXX XXXX ) Under 15 U.S. Code 1681i, I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable.

I demand that you conduct a full investigation of this account in compliance with Section 1681i ( a ), which requires that the information be verified, corrected, or deleted if it can not be substantiated. As per Section 1681s-2, it is also the responsibility of the furnisher of information to ensure the accuracy of the data they are providing to the credit bureaus.

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), a collections account must be fully validated with supporting documentation from the original creditor. If such validation can not be provided, this account must be removed from my credit report immediately. 

I expect this matter to be resolved within 30 days as required by law, and I look forward to your timely response. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I would like to file complaint against Apple Credit Card. 

On XX/XX/XXXX, I ordered fans that I'm planning to use as favors for my wedding. The vendor name is XXXX XXXXXXXX  XXXX XXXX. XXXX NY XXXX. The amount of the transaction is {$100.00}. Unfortunately, many of the fans have splinters and cracks, some are broken and does not look presentable for my event. I contacted the vendor right away via emails and phone calls but was ignored. As advised with Apple Credit Card representative, I returned the fans using the return address on the package since the vendor would not answer my emails. 

I disputed this transaction with Apple Credit card XXXX  times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but they sided with the vendor who is uncooperative/unresponsive. I do not have the products anymore, they should charge the vendor not me.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-12-18
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: BARCLAYS BANK DELAWARE (CA)

I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2019 I Voluntary Repo my XXXX XXXX because I had to leave a XXXX XXXXXXXX marriage and I was unable to afford the car as my ex-husband paid the car for me. I gave the car back and let them know I was unable to pay for it. I called XXXX XXXX financial yesterday and spoke to a woman and informed her that the account shows as opened which basically appears i still owe XXXX dollars a month for a car I do not own. I asked her to tell me what happened to the car and how much did they sell or auction the car off because it is my legal right to know how much money they received for the car as they can not continue to report on my credit report that I owe this when they have already received payment for the car. The lady said she was not allowed to tell me that. I asked her how I can get this taken off my credit report and she said you need to call the company who we sold the debt to. I asked her how I can find the people that hold the debt so I can speak with them she said she didn't know and didn't have any contact information to give me. I know it is my legal right to know how much they sold the car for, and that balance should be taken off my credit report as balance owed. There were no legal or repo fees as this was a voluntary repo. I do not owe this company and this needs to be removed my credit report and considered a closed account or a charge off.
Consumer complaint received 2022-08-19
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2022-08-15
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-13
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)

It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: NBT BANCORP INC. (MA)

My name is XXXX XXXX. XXXX years ago I opened a landlord/tenant security deposit at NBT Bank XXXX XXXX XXXX XXXX XXXX. I opened the account with the branch manager XXXX. Recently my tenant moved out so I went on XXXX to retrieve her security deposit with any interest. I was told by the teller that the account had a XXXX balance. I explained how this was impossible and asked her to double check, upon some investigation the teller learned the money had been withdrawn by the bank yet the account wasn't closed. I waited an hour and a half to speak with the branch manager ( same person I opened the account with ) who stated the account was deemed dormant and the money was given to the state. He told me not to worry and he would get it resolved, he stated that tenant security accounts are not supposed to go dormant and the account was indeed set up properly. He later called me at home to tell me the State had the money and the woman ( my tenant ) would have to retrieve it from there. I feel I am responsible for returning this security deposit to the tenant, she has been patient but explained to me she needs the money for upcoming expenses. This mistake was clearly and admittedly the banks fault. Whether the account was set up incorrectly or not is not my problem. I followed the state guidelines with tenant security deposits. The branch manager XXXX  later checked again and reported to me the account was set up properly ... they keep passing the buck as to who's fault it is. Either way, it wasn't mine! My main concern is I have checked the state website for unclaimed funds on my tenants behalf and the funds are not even there! This is an erroneous error that needs to be rectified.
Consumer complaint received 2022-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I contacted Venmo about a transaction that was sent to the wrong account due a malfunction with the app ( and refused to troubleshoot the issue with the app ). The payment which was labelled rent was directed to an ex-roommate who left on bad terms. I contacted Venmo who instructed me to have him call them to return the funds. He did so but Venmo had extracted the funds for a debt that he owed them. They refused to do anything about returning the funds when he informed them to return them to me. The amount was {$1800.00} and they have tried to place the burden on the receiver when they have acknowledged that he wasn't supposed to receive the funds. This is also reflected in my Venmo history with two payments to my landlord once a month. 

I have submitted a police report and a report to the FTC about the issue. We did exactly as Venmo instructed and refused to return the funds to pay off the person 's debt. I am now having to scramble to find a means to pay my rent while Venmo refuses to process the refund even after having the person they told me to contact to contact them and approve the payment back to me.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (IL)

I was added as an authorized user to my son 's, XXXX XXXX 's, XXXX credit cards, numbers of which are below. I was added at the beginning of XXXX and the beginning of XXXX, and statements for both cards close on the XXXX and XXXX so it has been well over XXXX  days since I was reported to the credit bureaus ( XX/XX/XXXX and XX/XX/XXXX, or around there ), meaning the bureaus have had enough time to report me if the report from Wells Fargo was received correctly, or even sent to begin with. My daughter filed a similar case with Wells Fargo 's Executive Team under case XXXX and they found that my SSN was not included when I was added as Wells Fargo never asks for an SSN online... they stated that this missing SSN possibly caused her status to not be reported correctly. I have no idea if this is the case but, if it is, why doesn't Wells Fargo even have a field for SSN when adding authorized users online? 

Credit Cards : XXXX XXXX