davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (NC)

ON XX/XX/2018 I WENT INTO XXXX  XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH XXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
Consumer complaint received 2022-02-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM REQUESTING A RUSH INVESTIGATION INTO THIS MATTER, LOAN PENDING. 

Complaint : I need the following bureaus to remove the errrant account that has been verrified and validated to be correct when it is absolutely 100 % obviously not when all 3 bureaus report something different. 

XXXX : Transunion XXXX XXXX Please reference CFPB Compaints : # : XXXX - XXXX XXXX XXXX XXXX # : XXXX - XXXX XXXX XXXX > Passed to Comptroller of Currency # : XXXX - XXXX XXXX XXXX XXXX  Again Dear Bureau, All 3 CRA 's above did not follow the Fair Credit Reporting Act Section 611 in the investigation of my disputes. They didn't follow any laws. 

They recieved the dispute, it automatically got sent to the collector who automatically generated an acknowledgement letter and then automatically generated a validation letter with the most recent account statement. Those documents are mailed to the person disputing hte innacuracy and they submit verification to the Bureaus. 

The Bureaus though, are supposed to conduct their own independent investigation into disputes and if they had done that in any of the disputes in this case it would be obvious that this account continues to report inconsistently and innacurately since I started disputing the account in XXXX of XXXX. 

I want to know how the 3 bureaus above were able to verify based on their investigation that my dispute was not accurate and the company was accurate when the information I submitted in my dispute is 100 % not accurate or consistent and remained that way since appearing on my report.
Consumer complaint received 2022-10-13
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: Choice Recovery, Inc. (WA)

Between XX/XX/XXXX - & XXXX XXXX XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$710.00} XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$730.00} XXXX XXXX, XXXX Choice Recovery illegally reported an improper use of report to XXXX, XXXX, & XXXX in the amount of {$45.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, & XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) illegally reported an improper use of report to XXXX, XXXX, & XXXX far a hard inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX ) illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX  XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX XXXX XXXX illegally reported an improper use of report to XXXX, XXXX, XXXX XXXX for a hard inquiry XX/XX/XXXX & XX/XX/XXXX Port XXXX XXXX XXXX XXXX XXXX illegally reported a hard inquiry to XXXX, XXXX, XXXX XXXX for a hard inquiry. 
XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXXr ( XXXX XXXX, SD ) illegally reported an improper use of report to XXXX, XXXX, & XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. ( 15UCS 1681 SECTION 604 A SECTION 2 ) States that a Consumer Reporting Agency " can not furnish an account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

I was issued a prepaid virtual disbursements XXXX which is managed by a XXXX  company called " Blackhawk Network Holdings ''. The card has a prepaid balance on it, and I have all paperwork/emails stating and showing the cards rightful balance. The card does not work, and despite numerous attempts to utilize it, no merchant is able to charge it, including reputable firms like XXXX. 
I then received information from this company that this card had " dormancy fees '' which have basically eroded the value of the card. I received the card in late XX/XX/2022 and it seems 5-6 months later, much of the value of the card was already gone due to these mysterious and predatory " dormancy fees ''. One fee amount of " dormancy '' was over 25 % of the card balance - truly unethical behavior and predatory. The e-mail which I received does not highlight these fees or underline this issue prominently anywhere, nor is there a link to any terms and conditions on the email I received. What this company seems to do is provide gift cards, make it difficult to access those gift cards and then have " dormancy fees '' which quickly erode the XXXX XXXX the card so a consumer can not spend the capital and they likely keep it. Their business model is truly scummy. Their business practice is truly predatory and significantly harmful to the American customer, I am asking the CFPB to assist in looking into this matter. This is a truly unethical company and their dishonest and unethical behavior has to be investigated. I am rightfully owed this money and I am looking for them to rectify this issue immediately and provide me the funds they are legally obligated to provide me.
Consumer complaint received 2023-01-31
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: Grain Technology, Inc. (LA)

To whom it may concern : I received a copy of my Consumer report, and I noticed some late payments on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GRAIN TECHNOLOGY, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : XXXX XXXX ) EXCLUSIONS - Except as provided in paragraph ( XXXX ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity Fraud XXXX. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations XXXX. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best RegardsXXXX XXXX XXXX  Enclosed : copy of ID and Utility Bill showing proof of address.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, XXXX and TransUnion have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (CA)

I paid my account settlement in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
Consumer complaint received 2021-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC (KS)

In XXXX of XXXX I had an agreement with Heartland ECSI and XXXX XXXX University to place my student loan in forbearance for 12 months. Instead, Heartland ECSI placed my loan in deferment for 3 months only. 

When I spoke to Heartland ECSI, they said I needed to call XXXX XXXX University. When I spoke with XXXX XXXX, they said I needed to call Heartland ECSI.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in 2007. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MD)

I pulled update of my credit report and still I see these negative account. I already sent few complaints to you guys. Why you still posting this information. I have no idea where you get them but I never apply for it. Someone used my personal information
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023 I booked a hotel room on what I was lead to believe was the website of XXXX XXXX for a trip in early XXXX. I booked a stay for the amount of {$350.00} moments later I received an email from XXXX XXXX XXXX and was charged {$2100.00}. I IMMEDIATLY called the number on the emails and canceled the reservation and was told by this third party company XXXX XXXX XXXX that it not cancelable. I then called my credit card company and filed a claim for a gross overcharge on a unauthorized amount purchase. Bank of America denied the claim stating they can not dispute a merchants cancellation policy. So, Bank of America allowed a scam reservation site to keep {$2100.00} for a UNAUTHORIZED charge. I thought we had fraud protection in this country. There are many many similar complaints about XXXX XXXX  across the web. Unfortunately you can not investigate reviews prior because they impersonate legitimate hotels. They only surface after you have supplied you credit card information. Please help .... Thank you Bank of America claim number XXXX.
Consumer complaint received 2024-08-23
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. (IN)

The credit bureaus stated everything was properly investigated. But how is that possible if the open date, date of last activity and much more is not accurate..

In accordance with the Fair Credit Reporting Act. The ground for removal has also violated my rights under 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 US.C : 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions The credit bureaus took more than 30 days to complete my investigation. 


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 According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

To Whom It May Concern, Im contacting you regarding an international business wire that I had sent over to my vendor 3 months ago which has not been released yet. I used my small business account through Capital One bank to process the wire, and apparently they use XXXX as an intermediary bank because XXXX tracker shows that the wire is stuck at XXXX. I was able to obtain XXXX tracking info from my vendor 's bank in overseas. 

On XX/XX/XXXX, I sent 3 identical wires in the mount of {$71000.00}. On XX/XX/XXXX, the first wire went through but not the remaining two. After my conversation with Capital One rep, second wire was released on XX/XX/XXXX, but not the third one. 

I have been calling the wire department everyday for 3 months, and spending hours trying to explain the situation but I keep getting the same response of We are investigating it. 
This is not acceptable as my vendor has been charging me late payment fees and has threatened to stop doing business with us. 

I would appreciate it a lot if you can help with this manner.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly 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 30 days so they should be deleted promptly. I demand these accounts should 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 got into the hands of the wrong person.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lakeside Receivables LLC (PA)

A debt collector ( named " XXXX XXXX with phone # XXXX from Lakesie Receivables LLC ) is contacting me at my home and work and my family ( wife and daugher ) repeatedly looking for my NEPHEW who owes a debt. The debt is NOT my debt and is for a nephew we have not seen in years. I have told the debt collector we do not see, and have not seen, my nephew and do not know where he is but they keep calling and do not stop. Again, I have nothing to do with this debt or my nephew who supposedly has a debt with them.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC (CT)

( XXXX ) CFPB : This complaint is against Arc Home LLC ( they also call themselves XXXX ), the handlers of my mortgage ( loan # XXXX ). One of their addresses : XXXX  XXXX, XXXX. XXXX XXXX, XXXX XXXXXXXX, Virginia, XXXX. One of their phone numbers : XXXX. 
Their website XXXX XXXX XXXX XXXX XXXX XXXX I haven't contacted Arc Home regarding this complaint because they NEVER responded to any of my inquiries. 

I recently sent Arc Home two messages ( using their own website ) explaining that my bank ( XXXX XXXXXXXX XXXX ) was going to send them a payment on my behalf of {$32000.00}, consisting of my usual monthly mortgage payment of {$2600.00} for the month of XXXX, plus an additional {$30.00} to be applied toward my principal. 
Arc Home acknowledged receiving that payment on XXXX, but they applied the payment as follows : a. {$2600.00} as the XX/XX/XXXX regular monthly payment ; b. {$2600.00} as the XX/XX/XXXX ( advance ) monthly payment ; c. {$27000.00} to be applied toward my principal as of XXXX. 
It appears to me that Arc Home chose to use most of my {$30000.00} for their own purpose essentially interest free for nearly two months. By essentially interest free I mean that sometime in XX/XX/XXXX I may find that they paid me something like 0.1 % for my {$30000.00} that they are holding from XXXX to mostly XXXX vs. the 2.75 % that I continue to pay to Arc Home for that money.

The attachment shows Arc Home 's handling of my payment, as I described above. 

I realize that the dollar value of my complaint isn't much. But I'm doing all I can to get out of this XXXX yoke of a mortgage, and Arc Home 's actions, and the prospect that they will continue to thwart my efforts is more than I voluntarily accept. 

I believe it's right that the {$30000.00} be applied to reduce my principal as of XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX