davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-07-20
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. (TX)

So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer rights
Consumer complaint received 2022-08-29
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: Santander Consumer USA Holdings Inc. (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 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. XXXX
Consumer complaint received 2022-08-29
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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.
Consumer complaint received 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this issue.
Consumer complaint received 2021-12-02
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. (IL)

Hi Transunion has a 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 710. transunion has me at a score around 592. 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-02
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. (TX)

I recently received an answer to a dispute which state that the accounts XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX : XXXX, XXXX XXXX BANK CAR : XXXX, XXXX XXXX BANK : XXXX and XXXX XXXX XXXX XXXX  : XXXX. 
This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS (GA)

I was turned down by XXXX  XXXX XXXX XXXX due to Lexis Nexis Business reporting. 
I have not been able to get this report, trying numerous times. 
It is my legal right to have access to this report. 
They have a XXXX world company answering their phones for XXXX consumers/business people, I have called them many times and have uploaded all of their information requested and they still won't send my report.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

this account had numerous unauthorized charges and filed and provided an FTC Identity Theft report as well as an IRS affidavit. I requested that they Do not disclose this information as is my right to request nondisclosure. And the original dispute took more than 30 days.
Consumer complaint received 2021-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CL Holdings LLC (NM)

Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mullooly Jeffrey Rooney & Flynn (NY)

This complaint is directed at the actions of Mullooly, Jeffrey, Rooney and Flynn, XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. I will refer to them as MJRF going forward. 

Earlier this year or late last year, I was contacted by MJRF by telephone. They first claimed they took a judgment against me. I advised them that I was never served. I also looked it up on the NY Courts website and there was no record of a judgment. I asked the woman at MJRF about this and she could not locate the judgment either and suggested to me that it may not have been awarded or may have been set aside. I also advised her the debt amount was highly disputed as I did not ask for or accept the oil delivery their client made. I disputed it immediately after the delivery and asked them to take it back but their client refused to do so. 

At the time of the call with MJRF, I made an offer to settle. The rep for MJRF suggested she did not know if the offer could be accepted based on the fact that there may be no judgment. She advised she would call me back but she never did. Now, at the end of XXXX of this year, I received a notice from the XXXX  County Sheriff 's office that my wages were being garnished over this debt unless I pay them within 30 days. I immediately reached out to MJRF again and again, I offered to settle. The person I spoke to stated that his client does not usually accept settlement offers but he would present the offer to them and get back to me. Hours later, I called their client directly and asked about the settlement offers and their client, XXXX XXXX XXXX confirmed to me that they have never received any settlement communications from the firm regarding this alleged debt. Soon after that call, a rep form MJRF called me and said that XXXX declined to settle. 

Based on my knowledge and research, MJRF clearly violated UDAAP multiple times as they deliberately deceived me regarding the status of the judgment and for failing to submit the offers I made to their client as they said they would. The latter, based on my research, is also a violation of the ABA rules. I also believe, based on my experiences and internet searches, that should the CFPB conduct an examination of all of the records held by MJRF, you will likely find many more violations of UDAAP and probably the FDCPA.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANDY SPRING BANCORP, INC. (MD)

I'm XXXX XXXX years old, retired, total annual income about $ 50k. I want to buy new residence home for $ XXXX - I have $ XXXX in my savings accounts and I need to borrow $ XXXX against my XXXX properties ( fully paid-off, no debt ) as collateral valued over {$1.00} mil. until I sell my present residence in XXXX months. I don't want a mortgage, I need a home equity loan or bridge loan or personal loan, whatever the name of this loan is. Regretfully, today the banks do not do this kind of business anymore since they started to operate under " guidance '' of the congress after XXXX  financial crises ( created by the banks and the congress itself ). In other words, banks stopped being a bank in a classical sense. I addressed many banks - XXXX XXXX ( over 30 years with this bank, paid off several mortgages in the past ), XXXX  XXXX XXXX, XXXX XXXX, local banks- Sandy Spring Bank and XXXX XXXX, etc. - no bank can offer me a loan against collateral... 
Please advise where I can borrow $ XXXX against {$1.00} mil. collateral. Thanks.
Consumer complaint received 2021-11-02
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: C.Tech Collections, Inc. (NY)

I filed a dispute in regards to accounts on my credit report that do not belong to be. It has been beyond 30 days and I have not received any results regarding my investigation.
Consumer complaint received 2023-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (NY)

Called Aidvantage on or about XXXX XXXX, 2023 after learning of Biden 's new student loan forgiveness efforts aimed at those with Income Driven Repayment plans ( this is the one that came after the Supreme Court shot down the earlier XXXX to XXXX student loan forgiveness effort ). I'd gotten an email from Dep't of Ed telling me I was one of the people whose remaining loans would be forgiven due to it's age and the fact that I was in an income driven repayment plan for a number of years. It sounded like good news so I went to the XXXX XXXX XXXX website for more information -- and it said go contact your loan servicer, which in my case, it was now Aidvantage. That's where the good feelings ended. Essentially, Aidvantage 's telephone rep refused to provide and clear answer to any question I asked about my loan and it's status relative to the newly announced debt relief program. I repeatedly had to assert that I was not calling about the debt relief program that had recently been quashed by the Supreme Court ( mentioned above ). Nonetheless, Aidvantage 's rep insisted on reading to me the company 's prepared statement relating to that Supreme Court ruling ( though I repeatedly BEGGED him to stop as he read on the end undaunted ). The telephone rep 's skill at providing vague answers and dodging questions altogether was definitely noteworthy and he seemed continually miffed when I would ask him to clarify the broad statements he would provide in response to fairly specific and even simple questions. Other questions would just be completely ignored, such as when about 24 minutes into the call I asked out of frustration to speak to a manager or supervisor. After around ten more minutes I simply had to give up and end the call. Aidvantage won. Afterward, I called the Department of Education 's Federal Student Aid Ombudsman 's line and explained my situation. The first person to answer the call ( no interminable phone menus ) was compassionate and helpful and friendly, and answered my questions at length and with great detail. It literally felt like I'd gone from being treated like a nuisance to -- within a few minutes -- being treated and spoken to like an intelligent person by another intelligent person.
Consumer complaint received 2021-12-02
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 XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting 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 ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

Last XXXX around XXXX Well Fargo number XXXX call me about an activity that saying my card was used in Alabama in the amount of & XXXX and {$300.00} @ XXXX XXXX. the person I was talking to said that if i want to reedem my account/money back I need to tell them the code that he will sent on me, and because its a Wells Fargo number I did trust and give the code that they sent me. And after that he keep on sending code and ask me the code over and over again like 20x and I also tell them that code cause thats what they want just to get back the money that was used in Alabama. I didnt think that it was a scam cause i trully trust that it was a Wells Fargo staff/representative so i give all they wanted, the call was almost an hour long. And after that call I check my online bank and I saw that all my money was gone and I call the Wells Fargo number that was indicate on the online app right away and report all what happen.Wells Fargo give me a claim number but then after over 10days I received a call from them saying my claim was denied. I dont know what to do I was scam for almost {$17.00} thousand .Please help me how to return my money back that I earn for how many years. Just in case please reach me out at my email address XXXX, my phone number is XXXX my name is XXXX XXXX XXXX. Thank you
Consumer complaint received 2021-12-02
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: Regional Management Corporation (OK)

Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Consumer complaint received 2021-10-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

DYNAMIC RECOVERY SOLUTIONS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

DYNAMIC RECOVERY SOLUTIONS have used abusive, deceptive, and unfair debt collection practices.

DYNAMIC RECOVERY SOLUTIONS have violated my consumer right to privacy, I NEVER gave them any my information directly and DYNAMIC RECOVERY SOLUTIONS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the DYNAMIC RECOVERY SOLUTIONS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened a business account on XX/XX/2021 at Chase bank. I deposited a check for {$17000.00} written out to my company. The funds should have been available within 10 days. The bank notified me on XX/XX/2021 that there was a discrepancy because the DBA I filed for the company in the area I live post dated the date the check was written. I sent them copies of my contractors license, link to state consumer affairs which showed me as one of the owners since XXXX this was not sufficient to them, so I asked that they close my account and return my check or funds, and that I would go elsewhere. This they did not do and for the next few weeks we emailed back and forth over ways to get to the bottom of this. it is now XX/XX/2021, I do not have my funds or check back, they have closed my account and I have no access. There is not a human being in any of their departments that seems to be able to get a coherent answer from.