davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

On XX/XX/XXXX, Equifax received a request to reinvestigate accounts based on results received from a previous dispute on XX/XX/XXXX. 

I asked Equifax to provide the names, phone numbers and business addresses of each individual with whom you verified the above accounts and the exact description of the procedure used to verify the accounts. According to 15 USC 1681i, Equifax is required to provide the description within 15 days after receiving the request. Equifax did not fulfill this requirement.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure 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.

Additionally, Equifax did not complete the investigation within the 30 day period as required by law.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-15
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 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 2022-03-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NH)

I ask that the CFPB compel AES the servicer to respond to my XX/XX/XXXX feedback from my initial CFPB complaint # XXXX. 

And today I report two separate events that have occurred since the initial complaint. These events demonstrate the servicers continued pattern & practice of : XXXX XXXX XXXX XXXX XXXX loan modification terms that are in the servicers economic benefitnot the borrowers Modifying loan terms without borrower consent. 
Servicer disregarding borrower instruction then using their discretion to modify the loan terms. 

1. In XXXX of XXXX there was a presidential order pausing student loan repayments. AES the servicer contacted me making me aware of this option. At that time I was working and continued to pay my monthly obligation. Then I became unemployed in XX/XX/XXXX. At that point I contacted AES via phone call informing them that I was now unemployed and would not be paying utilizing the presidential order. They accepted my communication, and my payments were paused. I discovered more than a year afterwards that they place the loan in a Unemployment Forbearance instead?!?!?! 

2. This Unemployment forbearance was to end in XX/XX/XXXX. That fall I was required to reapply for the annual XXXX XXXX payment recalculation which was completed timely and correctly. I learn after the XXXX deadline that they did not underwrite my file. This accelerated the payment amount to be {$1700.00} for the XXXX XXXX monthly payment. On a phone call in XX/XX/XXXX, I corrected them ( which had no material differences from my initial submission ) so they could complete the processing of my XXXX application. They did process my paperwork and adjusted my XXXX to a new 2022 monthly payment of {$390.00}. At that moment AES was requiring me to pay the XX/XX/XXXX {$1700.00} payment. I spoke with an AES client services manager to correct the XXXX payment to be the corrected XXXX payment of {$390.00} vs the {$1700.00} amount. That manager responded that he would call back with a resolution. I received no calls or communication until late XX/XX/XXXX when I called in to AES. Then I learned that my XXXX payment was added to the outstanding principal via an Administrative Forbearance which added that XXXX payment to outstanding principle Additional thoughts Why am I not being disclosed nor required to consent to their terms? E-Signature technology is commonplace and should be utilized for all correspondence with the servicer. To this point I contend that their disclosure does not meet legal requirements and should void the loan.
Consumer complaint received 2022-05-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (SC)

This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I previously sent a dispute about a fraudulent account on my credit report to Equifax and XXXX XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.
Consumer complaint received 2022-05-02
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. (IN)

On or about XX/XX/XXXX, Experian reported several late payments marked as past due on several accounts reporting on consumer 's Experian account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. Experian is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. Experian knows an account CAN NOT report XXXX days prior to 30. I have already informed Experian that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that EXPERIAN is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that EXPERIAN is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Consumer complaint received 2022-08-12
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)

Follow-up complaint to resolution of complaint ID # XXXX. I have received my report from the company dated XX/XX/2022 and multiple errors still persist. My correct name, phone number, and address was given in my i.d theft report. XXXX errors still persist on my report after the complaint. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my information with third-party people. I believe these are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IL)

It has come to my attention that DISCOVER FINANCIAL has denied me of credit. I would like to first put you on notice that I, a NATURAL PERSON, CREDITOR, and APPLICANT am aware that the denial letter given is an ADVERSE ACTION pursuant to 15 USC 1691 ( d ) ( 6 ). As the Original Creditor I initiated the CONSUMER CREDIT TRANSACTION using my credit card pursuant to 15 USC 1602 ( L ) making DISCOVER FINANCIAL an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. This denial letter is identified as a deceptive form pursuant to 15 USC 1692j. I DID NOT benefit from the consumer credit transaction, but I was injured instead. You pulled my XXXX credit file with a hard inquiry which means DISCOVER FINANCIAL benefitted from the transaction. I am the one who extended credit through the credit application. DISCOVER FINANCIAL used my credit information to get paid when I should have benefitted as well. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). No credit card shall be issued except in response to a request or application thereof says Congress pursuant to 15 USC 1642. Pursuant to 12 CFR 202.9 ( b ) ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action.Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient. DISCOVER FINANCIAL is civilly liable for violations of TILA pursuant to 15 USC 1640. DISCOVER FINANCIAL is civilly liable for violations of ECOA pursuant to 15 USC 1691e. I DEMAND the credit applied for to be approved. I demand my card be mailed to the location information provided.
Consumer complaint received 2022-08-12
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-06-15
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. (VA)

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. 
XXXX 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.
Consumer complaint received 2022-05-02
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. (NY)

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX Last reported XXXX XXXX, 2022 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 an account without written instructions.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AZ)

I deposited a check electronically into my bank American Express National Bank on XXXX, ck # XXXX for {$350.00}. I received confirmation check was received by bank. When I reconciled account at month end the deposit was not there, I contacted the bank and they told me I had a max limit of 5 checks per day ( I was never provided with any information about this maximum when I opened the account ). The bank claimed it declined the deposit, however the makers bank was debited for the {$350.00} funds. My bank told me to redeposit the check, which I did, and deposit was declined as a duplicate deposit. The makers bank ( XXXX XXXX ) has provided front and back of check showing it was honored and provided a tracing ID number for the transaction. My bank claims the tracing ID number is not valid and they have nothing else to offer me, basically offering no help in trying to resolve the problem. I have spent dozens of hours on the phone and on hold with my bank and they still claim it is not their problem, they have no proof of check every being paid even though XXXX XXXX has provided proof it was paid. This has been going on since XXXX.
Consumer complaint received 2022-08-02
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. (AL)

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 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation (IL)

Two separate complaints with the same company. I opened an account with Albert Corp. Both a checking and savings account. They do not have a phone number to call and only have the availability to either text or email. I have contacted them by both methods and have received zero support. 

The first instance is that I have {$7000.00} in my savings. I recently had an unexpected expense where I was in need of {$1000.00}. Upon attempting to transfer the funds on XX/XX/XXXX from the savings to the checking account I was told that I exceeded the transfer limit of {$15000.00} over a 30-day period. Upon reviewing my transfer history, it shows that I have had no transfer since XXXX. I contacted customer service and was again told I exceeded the limit which I explained that I have not and sent them a screenshot of my transfer history they again stated I would just have to wait which is not acceptable. Again, I showed them proof of my transfers and I am not even close to the limit. Their customer service is now ignoring me by both text and email. I was able to pull two {$500.00} transfers as well as a {$200.00} transfer on XXXX but I want all of my money out so I can close the account. 

The second instance is that I am paid on the XXXX and the XXXX of the month from my employment and since the XXXX of XXXX falls on a Saturday payroll goes out on Friday the XXXX. I did not receive my check on the XXXX and assumed maybe it would be there later that night. On XXXX I checked once again, and no check was deposited. I verified with payroll and my online clock in system that the deposit was sent on XXXX to the correct account. I also verified that the last paycheck that was deposited into this account was XX/XX/XXXX ( XXXX payroll for XXXX ) I again contacted Albert 's support by both text and email and am now being ignored. I have requested a supervisor and I have also read their recent reviews that is also occurring to so many other members. I have bills to be paid and have no access to my savings nor my most recent paycheck of near {$800.00}. I have no idea where to go to retrieve my funds and no support. I am in desperate need of assistance.
Consumer complaint received 2022-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

XX/XX/2022, I received a letter from I.C. System Inc.requesting {$270.00} for a past due balance. 
This is fraud. I do not use XXXX for anything. I do not have any outstanding bills.
Consumer complaint received 2022-02-28
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. (IL)

Going over my consumer report I have notice you are reporting XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX without my consent XXXX 

I demand these accounts to be removed from my consumer report. I did not give you written instruction to report anything on my report so this must be removed ASAP. 

Violation of 15 usc 1681b ( a ) ( 2 ) -Permissible Purpose of consumer report as it states " In general subject to subsection ( c ), any any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

It is in fact that I am a consumer and did not give you any written permission to furnish these accounts on my consumer report.Which is my reasoning for you all to delete all accounts mentioned asap.
Consumer complaint received 2021-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Title : Affidavit of truth 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 3. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 4. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expending the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Capital One is in violation of 15 USC 1692e ( 11 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Capital One is in violation of 15 USC 1692b ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit C that Capital One is in violation of 15 USC 1692h