davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX-XXXX  Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date Opened0XX/XX/XXXX StatusAccount charged off. {$1800.00} written off. {$3800.00} past due as of XXXX XXXX. 
Status Updated0XX/XX/XXXX Balance {$3800.00} Balance Updated0XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1700.00} Highest Balance {$0.00} Terms26 Months On Record UntilXX/XX/XXXX
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

Hello. 

I have four consolidated loans with FedLoanServicing. They are taking an abnormally long time to do a review of my qualifying payments made for PSLF. It has so far been 81 days since I made an initial request to get an updated qualifying payment count. Here are the details : On XX/XX/2020, I sent FedLoan a request for a change to my Paid Ahead status as well as an updated summary to my qualifying payment count. 

On XX/XX/2020, FedLoan sent me an email stating " A review to confirm the total number of qualifying payments that you made for Public Service Loan Forgiveness ( PSLF ) has been submitted. We'll contact you after we complete our review. '' On XX/XX/2020, I sent FedLoan an inquiry on my previously requested payment count for PSLF qualifying payments. 

On XX/XX/2020, FedLoan sent me an email stating " We are currently still reviewing your number of qualifying payments. Once your request is reviewed, you will be sent notice of the results. '' Today is XX/XX/2020. Today is 81 days since I initially made a request for an updated summary to my PSLF qualifying payment count. 81 days is longer than I believe it should take to recount my qualifying payments. Today I contacted FedLoan once more to request an updated payment count for my PSLF qualifying payments. 

I would like to request CFPB 's assistance in helping me obtain an updated payment count for my PSLF qualifying payments, after a change in my Paid Ahead status, which occurred 81 days ago. 

Thank you CFPB for your help.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have contacted Equifax previously that this account fraud being reported is not my account. The account listed as XXXX XXXX  XXXX in the amount of {$500.00} does not belong to me. I have never done business with any company or signed any type of contract with them. There are also inquires from companies listed that I have never applied for any credit with XXXX or XXXX. I have contacted the company listed and called Equifax and explained this is fraud in great detail. I have given them all requested information and this information is still being reported.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Stolen/lost American Express card used for 5 different fraudulent transactions. 

XX/XX/XXXX{$32.00} XXXX XXXX XXXX ( XXXX ) XXXX TX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$290.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$260.00} XXXX XXXX XXXX XXXX FL XX/XX/XXXX {$390.00} SKY LIQUOR XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX allowed someone to use my credit card. 2 separate transactions done at the amounts listed should have prompted their employees to question and ID the buyer. they rang up 2 separate orders clearly trying to keep each transaction below limits that the credit card company would flag. and these stores let them do it
Consumer complaint received 2020-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX - Requested refund from XXXX. Was notified via email that we would receive cancelation quote XX/XX/XXXX - Received Cancelation quote of a refund for {$3700.00} for an original charge of {$5500.00} XX/XX/XXXX - We sent Cancelation confirmation after not receiving a response to our requests for an explanation on how the refund amount was calculated. 

XX/XX/XXXX - We contacted the merchant to ask that our trip be formally cancelled XXXX, XXXX and XX/XX/XXXX - No responses received to the emails sent XX/XX/XXXX - Uploaded supporting documents to Capital One XX/XX/XXXX - Additional documents uploaded. No notification was given that our previous documents were not usable until we called on our own to check on the status XX/XX/XXXX - Another email requesting update sent to travel agency and a generic email was received in response XX/XX/XXXX - Capital One mails a letter dated XX/XX/XXXX that says the timeframe has expired. Called them and said VISA won't accept documents. Contacted VISA and they said they have no limitations or restrictions and I need to contact Capital One. 

The travel agency has received refunds from the hotels/airlines and we have been charged by our financial institute for services which were never rendered. Capital One failed to provide us with timely notice for us to submit documents and on the multiple phone calls that we initiated, never notified us of the possibility that the timeline would not be adjusted in order to accommodate for a lack of response from the merchant. No documentation or notice was provided by Capital One that our original supporting evidence was not enough so that we could provide the necessary documents to resolve this.
Consumer complaint received 2024-11-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carma Enterprises Inc (MD)

I Sent a letter to XXXX Before the Repossession explaining my financial circumstances additionally showing my offer letter from my new employer providing my income. Nothing was taken into consideration so that i could receive 1/2 weeks additional to pay on my car note. I was signed up for a 5 year contract however you can see that i was making payments. I Fell on hard times and didnt have a job for a select few weeks but as soon as i found employment i informed my car loan company to inform them on future payments i wanted to arrang.
Consumer complaint received 2020-07-30
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (CA)

yes hello i need help i was just curious about my credit and got on here and founded out my credit someone reported a fraud on my info iv checked and theres is no miss infomation on my file but y is there a fraud i never made this fraud alert i think someone has full access on my info the number XXXX doesnt even belong to me my number is XXXX
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/2020, I submitted disputes regarding my Transunion credit report through their online system. The disputes each had a decision emailed to me within a few moments of submission. It was not possible to read my comments and do any type of decision within seconds of submission. 
These instant decisions are very unfair. Transunion promises they will investigate. My comments were disregarded on the dispute. 
Transunion is misrepresenting a fair investigation if they provide instant results and closure within moments of submission.
Consumer complaint received 2024-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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 XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (GA)

I purchased a netspend card on XX/XX/2020 and loaded {$160.00} into the card. When I got home and tried to activate the card online I was given a phone number to call saying my card could not be activated online. I called the number and was placed on hold for 45 minutes. Finally I was informed I had to email a picture of my drivers license and a letter or bill with my address and it would take 6 business hours to process. I did this and 6 hours later received an email that stated the documents had been approved but they also needed a pic of my social security card. Even though the letter I sent in was from the IRS and my social was on it. At the time all I could find was a photocopy of my social so I sent that. Again had to wait 6 hours. Email came that said it could not be a photocopy. I found the letter the social security office gives you to use until your card comes in the mail. Sent that in. 6 hours later email came that said the email I sent was blank but I have the confirmation of transmission that clearly shows it wasnt. I call netspend. Waited on hold for 2 hours after being hung up on 3 times and was told they could issue a refund check but it would be 10 business days before I could receive it or I could resend document. By this time I'm furious. I again send it. Again was told it was blank 6 hours later. I found my social security card took a picture of it and sent that. Waited 6 hours no response. Called and was on hold 45 minutes. Then was told they never received an email. Again I have the confirmation of transmission. I tried to contact someone higher up in the company but was told i would receive a call from an analyst within 3 business days. Now at XXXX XXXX eastern time on XX/XX/2020 the card still is not activated. I have not received a call back and i still cant access the money i loaded on the card. I need help.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

I have contacted XXXX, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with Westlake Financial Service. I have also contacted Westlake serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to Westlake informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing  how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (MI)

Currently bought the 3-1 credit report from 3 major credit bureaus and see on the experian, my personal address has been changed to another address according to my report and also that over 8 credit cards have been opened with a false address on the experian.. Tried contacting Experian about but cant get to a live person regarding this matter upon trying to lock my credit with Experian doesnt let me cause reported address has been changed. With XXXX report of 1 false credit report and XXXX showing 3 false credit reports. All the inquiries span of the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all these have more then one application for a credit card opened.
Consumer complaint received 2024-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX 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 four 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 : ( 2 ) 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 inquiries listed IMMEDIATELY.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

i have never paid my account late my mortgage payment is on auto pay. on XX/XX/XXXX i received a notice my account was reporting 30 days late on my XXXX credit report. I contact PHH mortgage and they responded that there was an increase in my mortgage by XXXX dollars due to escrow increasing. there was no reason for the increase and i recently changed my home owner insurance to decrease my escrow. As i understand it correctly they have been charging late payments and placing my account in an escrow account forcing me to pay interest on money they received due to the increase i spoke with the escalation department was informed they would investigate and to call on XX/XX/XXXX to have a resolution. i call the number provided XXXX and spoke with the escalation department. left two messages with XXXX ext XXXX as instructed and have not received a response or a correction on my mortgage statement or credit reporting. i demand this error be corrected immediately and credit me back any interest that was charged on my mortgage. i demand a breakdown on the reason my escrow has increase and my credit report updated to reflect never late. spoke this morning to escalation department and was denied a correction. I was given a email to resolve this issue and feel they are wasting my time. my next step will be legal actions. they are forcing me to pay money that is not due and increasing my obligation on analysts they claim is correct, without any type of breakdown or proof or consideration i paid every month on time
Consumer complaint received 2020-04-28
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. (NC)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-04-28
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)

I have a car loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CO)

Fri XXXX XXXX, 2020 Merchant name is XXXXXXXX XXXX - THANK YOU Merchant category is Payments and Credits Amount is - {$1800.00} running balance is {$97.00} I payed XXXX as a minimum payment was charged XXXX and it was of course returned the payment was on discovers side accepted and taken off my debt in which they said they were going to send a Check to me referring to the extra amount paid after my bank rejecting the amount and charging me an extra {$35.00} instead of allowing this check to go to the bank they are sending it to me, i had them send it to me so that it did not reflect upon my credibility on the bank as it was going to take 7-9 business days. so that i can contact XXXX XXXX and return the money to the account without over drafting myself and putting my account in bad standing, unsure of what to do now i contact wells fargo to discuss the situation
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-24
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.