davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX 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
Consumer complaint received 2021-10-06
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. (LA)

i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Consumer complaint received 2022-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I was advised in XXXX by FedLoan Servicing that if I continued having financial hardship for 5 years straight that my loan would be forgiven. In XXXX, I received notice that my student loans had been added to a class action lawsuit out of California and I had to complete necessary paperwork to continue to be added to this suit. I did that. Then I was advised that my schools where closed and I would be forgiven for that reason. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  ) Then I received a message from FedLoan Servicing stating that I had been awarded to have my student loans forgiven as of the XX/XX/XXXX class action lawsuit and that the loans would be removed with 12weeks. Well, it has been over two years and still nothing has been done. Now, when I call FedLoan Servicing, depending on who I speak to they tell me, that my loan has been pushed out into some status until XXXX to give them time to get it cleared off my credit and another person will say they are not responsible for the clearing that the Department of Education is responsible for clearing this debt. No one is taking care of the matter and all I am being told is lies and deferments. 
I am a veteran, I went through XXXX years of XXXX XXXX  and inability to XXXX XXXX XXXX because of issues from XXXX XXXX XXXX XXXX that still no one wants to own up to. To have this is just an insult to injury. I have taken every step that I was asked to do and I expect FedLoan Servicing and Department of Education to do the same. Thankfully, nothing has ever been reported that I was in default on my loans but to still have this debt over my head from institutions that I can not even have/ show credit of education from is not fair. It is as if I spent all these years in school only to have no proof other than XXXX in debt that was to be removed and still has not been removed.
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

I went to the XXXX XXXX XXXX XXXX XXXX back in 2019 because I was going through the worse time of my life with my XXXX  where I thought something was XXXX XXXX XXXX XXXX  and come to find out nothing was stuck the doctor just looked in my mouth with a flash light and I was told nothing was there and my visit was over and here it is 3 years later I have a collection on my credit report from them because they billed my insurance for a procedure that was not done
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (GA)

I have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. XXXX has unknown accounts on my credit report that Im asking to be deleted! 
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 2022-11-29
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U, S.C. $ 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.. 
.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : This is not reporting under metro 2 guidelines By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these all mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mall. 

Sincerely,
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH FCRA XXXX, REPORTING AKA 'S AND ALIAS NAMES AND ADDRESSES UNDELIVERABLE TO ME, ARE VIOLATING MY RIGHTS.

15 USC 1681 602A I HAVE A RIGHT TO PRIVACY 15 USC 1681 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNTS WITHOUT WRITTEN INSTRUCTIONS. 

NAMES : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-18
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. (TN)

I have a Credit card with XXXX which is an open end credit plan. XXXX is sharing my private property with outside third parties credit agencies with my authorization and consent. Which is against the Privacy Act & a violation of the Fair Credit Reporting Act. 
Title 15 U.S. Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not includeB ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. According to the Fair Credit Reporting Act This Extension of credit shouldnt be reporting to any credit agency.
Consumer complaint received 2021-04-12
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: Rent Recovery Solutions (FL)

I lost my job due to COVID and was no longer able to afford my rent for a few months. I applied and applied to multiple rent assistance programs and they were all filled up right away and had to close early because they ran out of funds. Fortunately I was accepted by the CARES ACT who were going to cover my missed rent for the 3 months I couldn't pay due to COVID. I talked to my complex about the aid so they were up to date and understood the situation, even after them knowing about it they continued to harass me about the rent due and I kept receiving eviction notices on my door throughout the eviction ban even thought I gave them all the documents necessary showing I was getting rent assistance, proof of loss of income due to COVID etc.. This made the situation even more stressful. Before this situation I had never been late on a single rent payment and had always been a reliable, trustworthy tenant. 

I got an email from the XXXX CARES ACT saying that I had been approved for rental assistance! BUT my complex decided to deny the aid. After that, there was no way to have this decision changed. I would have to reapply when the next aid became available, which at that time there was none. Because of all this unnecessary stress I decided to move out to somewhere cheaper instead of renewing my lease in XXXX. They even kept my {$500.00} security deposit that I should of received back as well for maintaining the property in good condition. 

I again tried applying for multiple rental assistance aids to help cover what was due, but got denied multiple times due to no longer living at the address I was trying to get aid for. 

If the apartment complex didn't deny the payments this situation would of never occurred.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disputed hard inquiries on my report that were made fraudulently without my knowledge with the Credit Bureaus by phone and mail. I filed a fraud report with the FTC about the situation before calling and disputing these inquiries. I called and was assured that the inquiries will be removed and some were, however somehow one of the inquiries deleted manage to reappear out of thin air. 

I am displeased and frustrated with this matter because I followed the steps of disputing with these bureaus with proof and facts but to no avail. Not to mention that I am a victim of fraud. 

According to the FCRA, the reporting agencies have violated my rights after dispute under section : 15 U.S.C 1681 s-2 ( b ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

I have attached documentation of my FTC report and dispute letter. 

I feel that my rights under the congress act have been violated and I ask that this matter be looked into respectfully.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I deposited a check via de Chase Bank XXXX XXXX, for the amount of {$4300.00}. The bank placed a 10 day hold on the check. On XX/XX/XXXX I contacted a representative of the company that had issued the check and she verified that the check had cleared on their end already. However the hold on my part continued. On XX/XX/XXXX I logged in to verify that the hold had been removed, which it had. On XX/XX/XXXX I logged in to check my account and I was unable to see the account. I immediately proceeded to go to a branch and figure out what was going on. In the Chase branch a representative was able to confirm that my account had been closed without notice on XX/XX/XXXX but was unable to provide further details and said that a check would be sent out to my home address in 7-10 business days.
Consumer complaint received 2022-07-25
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)

n 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
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2022-07-02
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. (TX)

Transunion XXXX XXXX are continuing to verify my accounts & they are inaccurate. A proper investigation is supposed to take place before verifying each item is accurate which I know has not been done because Im supposed to be interviewed as well as my neighbors per the FCRA. A proper investigation needs to be done where theyre not investigating themselves & saying that they verified & its correct
Consumer complaint received 2021-04-12
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. (AZ)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number XXXX XXXX Dates of Late Payments XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by THD/CBNA. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (VA)

I sold my home at XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX on XXXX XXXX 2020. The funds from the sale of the home were used to pay off my mortgage with Cardinal Financial XXXX XX/XX/2020. After closing, I have an escrow refund due to me in the amount of {$590.00}. I have spoken to customer service agents on 5 different occasions. They all say that their records show that a refund check is due to me and that it has been sent but they can not give a routing # or any specific information about when it was sent. I have received other mailed information from Cardinal Financial but no refund check.
Consumer complaint received 2022-07-02
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. (IN)

cfpb Complaint # : XXXX TransUnion did not make requested changes and claim that they did not receive the request by Certified Mail.

This is in violation of FCRA, Sections 611 ( a ) 6 & 7.
Consumer complaint received 2022-07-02
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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!
Consumer complaint received 2021-09-03
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AL)

On XX/XX/22 Discover Bank froze all my accounts ; I was told that this was because there was suspicious activity on the account. I spent a total of 4 hours waiting on hold before I was able to get through to their Security team.

I spoke with a Security team member and attempted to resolve the issue, but instead of unfreezing my account, I was unexpectedly told that as a " business decision '' all my accounts were being closed and that I would receive a check for any remaining funds in 60 to 90 days. I was given no specifics as to why my accounts were being closed. I do not understand how this escalated from my account being frozen to my account being closed. 

Because they closed all my accounts ( checking and savings ), I have lost access to funds I need to pay my bills for at least the next 2 months. As their actions coincided with the first of the month, I wasn't able to pay my rent on time and I will be forced to pay almost XXXX dollars in late fees and penalties.