davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Equifax claims that XXXX # XXXX was VERIFIED AS ACCURATE. I received a response from XXXX  # XXXX on XX/XX/2023 that stated the company is no longer servicing this account and thereby is not possible to be verified. The correspondence from XXXX has been attached. In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VT)

XXXX XXXX XXXX continues to list a debt incorrectly as follows : XXXX XXXX  XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Account number-XXXX Date opened, XX/XX/XXXX, Account type- Debt Buyer Status-Collection account. {$2300.00} past due as of XXXX XXXX. 
Status updated-XXXX XXXX Payment summaryXXXX shows balance of {$2300.00} with current month delinquent. 

XXXX made a complaint to Experian including uploading the bankruptcy discharge documents. Result is this debt remains incorrectly listed as " current delinquent account. '' There should be no " Amount due '' and this item should not be reported as a current delinquency. 
This debt should only be listed as " Discharged in bankrupcy XXXX ''
Consumer complaint received 2024-09-03
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. 

Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.
Consumer complaint received 2023-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

I purchased food on XXXX XXXX  through cashapp using my cashapp card. I had an issue with a promo code for XXXX XXXX so i contacted their support team. The support agent told me to buy the food at the full price then to contact them again so they can refund me the amount that the promotion wouldve taken off ( which was {$20.00} ). I contacted them three times in one day and no one tried to help me. I wouldnt have purchased the food if I was going to have to pay the full price, thats why I was trying to use a promotion. So i was mislead. I filed a dispute with cashapp and provided evidence of what the XXXX XXXX  agent told me, and my dispute was denied. It said no error occurred. This is sad that I was tricked into purchasing something and was told false information so the company can take my money, and the fact that cashapp has done nothing about it speaks volumes. Ived used cashapp for years and I cant believe they treated me this way.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account name : XXXX XXXXXXXX XXXX Account number : XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-05-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

XX/XX/XXXX To Whom It May Concern : Starting XXXX of XXXX, I took advantage of the Covid Relief plan available through XXXX XXXX. During this time my payments were suspended with the understanding that the payments would be shifted to the end of the loan. In XXXX of XXXX, XXXX XXXX sent me a letter that stated I could modify my loan to 40 years instead of 30 years and that would bring my loan up to current. I took advantage of that offer and went to the XXXX and XXXX location of XXXX XXXX in XXXX, VA and signed appropriate documentation. On XX/XX/XXXX I was notified finally that Specialized Loan Servicing was taking over my loan from XXXX XXXX and my payments on my mortgage from XX/XX/XXXX to XX/XX/XXXX were being held while this problem was sorted out. I have reached out and spoken to a Loan Counselor, Mortgage Specialist and Lawyer about how to handle this situation. Finally, I was able to get through to Specialized Loan Servicing by phone on XX/XX/XXXX and the man on the phone reminded me that it was a recorded line and told me to download the Mortgage Modification Form and fill it out and send it back because the XXXX XXXX Modification had not transferred or been processed correctly. I would love to get this sorted out, I want to keep my house and I am able to make payments now as I have exhibited since the end of my forbearance with XXXX XXXX.
Consumer complaint received 2022-06-16
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.
Consumer complaint received 2022-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

I was accepted into XXXX 's Accelerated XXXX Program and the first semester was to begin on XX/XX/2022. To pay for the program, I had taken out a student loan through Discover in the amount of {$26000.00}. 

On XX/XX/2022 I withdrew from XXXX XXXX  University XXXX XXXX XXXX XXXX. I withdrew within their specified time frame to receive a 100 % refund. I instructed XXXX to send the money back to Discover so that my loan could be cancelled. 

I have made numerous documented phone calls and emails to both the school and the lender, only to have to reexplain the situation to each new representative. XXXX claims a refund was mailed out on XX/XX/XXXX which was cashed by Discover. XXXX has provided a check number, but Discover has refused to cash the check. Discover claims that they sent the funds back to XXXX because it was a collective refund sent to them without a student roster. XXXX has yet to send another check to Discover. It has been 4 months, and the loan has yet to be refunded. It is collecting interest daily which Discover has led me to believe I am responsible for.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To XXXX & TransUnion, This is a formal notice that you both, XXXX And Transunion, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

2. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

3. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

4. ) Account : XXXX XXXX XXXX XXXXXXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

5. ) XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days.

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!
Consumer complaint received 2022-05-27
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Equifax is furnishing a closed negative account that the debt collection company could not validate after several request. 

XXXX changed this Item from a collection to closed in XXXX of XXXX without providing me with validation I requested on XX/XX/XXXX and again on XX/XX/XXXX. 

I also have emails where XXXX and there affiliates violate 15 U.S. Code 1692a ( 4 ) by intentionally misrepresenting themselves as a creditor I owe when I've never done any business dealings nor have been extending any line of credit with them. 

They have been giving close to XXXX  months to investigate and reinvestigate, and to produce records confirming this item is accurate and complete but have failed to do so. 

Under 1681i 5 ( a ) Equifax is required to promptly delete this item, not just close it.
Consumer complaint received 2022-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My TD debit card was stolen on XX/XX/ XXXX The theft of the card was discovered by me on XX/XX/ when I wanted to make a purchase with it. I immediately checked on my account online and saw the fradulent transaction for {$1700.00} at XXXX XXXX on XX/XX/ XXXX  which caused an account overdraft. I called TD Bank and reported my card stolen and opened a claim to have the funds returned to me. In about 10 days I received a letter from TD Bank that the claim was denied because I indicated that the card was in my possession when the fraud occured. Clearly, this was a mistake, because I reported the card stolen. I called the bank again, explained that the card was NOT in my possession and the claim was reopened. The provisional credit was posted to my account on XX/XX/XXXX  for the same account, along with a refund of overdraft fees I was charged because my account went into overdraft. 

On XX/XX/ I received another letter from TD that the claim was again denied because the fradulent transaction did not fit the regular fraud activities ; i.e. there were no small testing charges first and the transaction did not deplete the account. I called TD Bank again for an explanation of these reasons, but I did not receive a satisfatory explanation. The investigation was complete and the claim was denied based on the reason stated in the letter. I asked about what investigation took place and I was told that the documentation will be mailed to me. I have never received anything. I was told that I should have reported it to the police and sent a police report to TD Bank. Note - I was never told that in any of the prior calls. I was also told that I need to take up the claim with the vendor who owes me the money. Laughable suggestion. 

I proceeded to get a police report from XXXX XXXX in XXXX XXXX, NY where the theft of my card occured. The report was taken and today I finally received a mailed copy of the report, which I now faxed over to TD Bank. I did also call them and was informed that there is no guarantee the claim will be reopened and reexamined. 

With filing the complaint with CFPB, I am hoping that I can be finally recognized as victim of fraud and be made whole financially. 

Thank you, XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Account was paid XX/XX/2022. XXXX XXXX ( XXXX ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. XXXX XXXX XXXX ( XXXX XXXX reports it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. XXXX XXXX  ( XXXX ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. XXXX XXXX ( XXXX ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then equifax is not up updating it correctly but I dont think thats the case.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (IN)

Account was paid XX/XX/2022. Best Buy/Cbna ( Citibank ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. Best Buy/ CBNA ( Citibank ) reports  it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. BEST BUY/CBNA ( Citibank ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. Best Buy/CBNA ( Citibank ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then XXXX is not up updating it correctly but I dont think thats the case.
Consumer complaint received 2023-03-19
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. (FL)

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. 

Account name : XXXX ; Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.