davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (AZ)

I notified all 3 credit reporting agencies XXXX XXXX XXXX and XXXX XXXX that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
Consumer complaint received 2020-10-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: DISCOVER BANK (GA)

I am a client of Discover Credit Card for a few years, and have always paid my card on time. I received an invitation to apply for a Personal loan or Debt Consolidation loan.

I called a few times to ask questions of 2 reps to make sure the credit was dinked but it was a soft credit pull.

They both said yes, and I could just proceed to see if I was approved, the mininimum credit score was XXXX I was given, and have a copy of it, and minimum income like XXXX. 
I didn ; t realize they use 5 credit bureaus and not the traditional 3 I was told I had Collection on my report, which I DO NOT and keep in mind no credit bureaus are to report past 7 years for any debt if negative.

I am attaching the Letter I sent to discover and also their information to me.

I have sent request to the additional bureaus to send me what is on my report that is incorrect.

My questions for Discover : 1 ) Why was I turned down when I had a required credit score?

2 ) Why am I being turned down with balance too high on revolving accounts when the loan you offer is to remedy that???

3 ) Did Credit scores requirements change with Covid?

4 ) ARe you discriminating against me as I am XXXX? 
5 ) why do you use obscure credit bureaus that the Average person doesn't normally use?

6 ) Why are you baiting good customers like me when you don't approve it?

Please see attached and let me know what they can do to offer an approval.
Consumer complaint received 2023-03-18
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: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15USC 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 purpose.
Consumer complaint received 2020-10-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent a letter out 30 days ago to transunion certified mail because they are reporting inaccurate information on an account. I feel like these jerks are taking advantage of regular people like myself.
Consumer complaint received 2022-06-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This complaint is with TransUnion. TransUnion wrote a statement saying they verify bankruptcy through LCI/bankruptcy courtXXXX. I wrote them back after that with copy '' s of all three LCI/Bankruptcy court letters stated they do not verify. XXXX couldn't verify so they deleted the bankruptcy from they report. I sent that in as well. 30 days later TransUnion send me a letter stated that my letter along with supporting documents and proof of my identity seem like a third party sent information in and not myself.
Consumer complaint received 2021-04-30
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: SYNCHRONY FINANCIAL (FL)

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; SYNCHRONY BANK is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. SYNCHRONY BANK is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : SYNCHRONY BANK XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. SYNCHRONY BANK is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (CA)

I am writing time in hope that you will consider helping me by removing late payment information from my credit profile. I do not know who else to reach to in regard to my old XXXX XXXX account. I have been a customer with XXXX XXXX for years and I have never had an issue until now. I am highly known in the public eye as I am a two-time XXXX XXXX XXXX XXXX and I constantly refer other players to your company. 

Currently, XXXX XXXX is reporting a collection account in the amount of {$120.00} on my credit report. Unfortunately, this collection is the result of my personal assistant negligently handling my business affairs. 

I have included a letter from the business management team that employed my assistant with this letter. 

Please note, since the time of this inconvenient betrayal I have been mostly successful in working with my creditors to get my accounts in order and restored my credit profile. I implore XXXX XXXX to help me get beyond this nightmare as I should not be responsible to bear the consequence of this collection. I am more than willing to pay this account in full as long as the collection status is removed after payment. A payment was not made as my business management office failed to tell me there was any balance due on this account.
Consumer complaint received 2021-05-06
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. (NJ)

ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-11-11
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 is the account that is still reporting on my account : XXXX XXXX XXXX Balance {$710.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I have requested for the bureaus to honor Paragraph 7 of Section 611.a of FCRA gives you the right to demand a description of the investigation. Thats when the method of verification letter come into play. I have requested Method of Verification still WILLNOT SEND ME INFORMATION. I WANT TO KNOW HOW THEY ARE OBTAINGING THIS INFORMATION FROM ORIGINAL CREDIT AND WHAT THEY ARE RECEIVING FROM THE ORIGINAL CREDIT ... ITS MY RIGHT AND THE LAW. There are several inaccuracies on my credit report including inquiries.
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (GA)

I am making this complaint against Firstsource Advantage , LLC. for committing identity theft. I have never given Firstsource Advantage , LLC. any permission to use any of my identifying information to commit mail fraud by contacting me about any alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ) and lawfully discharging the debt pursuant to UCc 3-604 ( a ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Firstsource Advantage , LLC. can provide me with sufficient documentary evidence that I have any legal or lawful obligation to pay them. If this documentary evidence can not be produced and Firstsource Advantage , LLC. continues its collection efforts, I will file for litigation for actual damages caused and Firstsource Advantage , LLC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the document herein and of this notice, you are hereby notified pursuant to UCc 1-202f. Your promt attention and response are both requested and required.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have sent several letters to the credit bureaus in regards to this matter and have received no response. There is fraud showing on my current credit report and it needs to be removed immediately. 1 loan account listed as XXXX XXXX XXXX XXXX XXXX  credit card with a {$26000.00} balance. I have attached my FTC report, listing the accounts as well. Please removed immediately!
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (IL)

I had call this company about the unauthorized inquiries on my report. they refuse to delete them, i have sent the copies of a police and FTC report certified and someone sign for them but they insist they don't have them. i don't have any accounts associated with these inquiries and they wont delete the fraudulent inquiries.
Consumer complaint received 2020-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TCF NATIONAL BANK (IL)

See XXXX. Subsequent investigation indicates that TCF bounced a check despite having retained {$1200.00} from dishonored deposit and then charged {$37.00} for the honor. The attached ledger shows the credit for XXXX on XXXX, then check # XXXX coming in on XXXX, that should have been paid, then companion check # XXXX for XXXX to XXXX out the account XXXX that WAS paid, then an overdraft fee of {$37.00}, with the {$1200.00} disappearing from the ledger despite not being paid, and TCF seeming to assert to CFPB that the {$1200.00} was stuck at TCF until the XXXX asked for it back, which I intend to help engender but not in the manner TCF might anticipate. 

I have screen shots that prove TCF had accepted the $ from XXXX, pretended they did not, while shifting the XXXX around and creating doctored ledgers and bulloney verification requirements such as that attached, apparently to prevent me from withdrawing the funds so as to afford themselves a prohibited float and unconsented loan. I have complained to Chemical in XXXX and think this is the doing of TCF leadership, and occurred on a widespread, profitable basis at consumer expense with monies that were EMERGENCY funds that were to be distributed, not distrained, prior to being fully absorbed by Chemical. 

I demand a referral to the FBI.
Consumer complaint received 2020-10-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

On XX/XX/2020, I filled out my request for mortgage forbearance through the CARES Act on my mortgage loan servicer 's website due to the impact of COVID-19 on  my income. My loan servicer is Rushmore Loan. Earlier this year, I had received a forbearance but that ended. However, my situation has not improved and I need additional assistance through the CARES Act Covid-19 assistance. The loan servicer told me today on XX/XX/2020 that I have to fill out a package for assistance which is false. The CARES Act says we do not have to fill out any type of package for assistance that is needed due to COVID-19 impact. Because Rushmore refuses to provide me with assistance I have no choice but to file a complaint with the consumer finance bureau so they can be forced to comply with the law. Please help me.
Consumer complaint received 2020-10-21
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)

XXXX and Equifax continue to place false information on my credit report despite several disputes. Each time I dispute an account, the creditor submits different information and my credit file is updated with false and inaccurate information. Some items on my credit file have different personal information such as birthdate, however XXXX and Equifax refuse to remove false accounts after dispute. My credit history has suffered due to this. Currently XXXX XXXX has been allowed to violate The Fair Credit Reporting Act by submitting false information while XXXX and Equifax support this behavior by allowing XXXX XXXX to unlawfully raise my account balance and claim false late payments. This is apparent if someone took the time to read and compare information from the several disputes I have filed. XXXX   nor Equifax keep proper records as the personal information on file is not correct. I attempted to fix the matter, but It has yet to corrected and the inaccuracies remain on my credit file.
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: EQUIFAX, INC. (TX)

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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
XXXX Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
Equifax has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OR)

On XX/XX/XXXX u tries to use my card it was declined. I called the number on the back of my card. Ams it says my card has been reported stolen when tring to order a new card it directs me to a representative upon speaking to some one they laugh telling my account is frozen and i will no longer have access to the account. they suggested sending a copy of my id amd ss card and again state that. There will be no way for me to access my funds which total the amount of XXXX dollars.. When asking wjere the. The money goes they again laugh telling me that the money will gonback to the state and i will not be able to get it .. The money is from my unemployment oregon .. I have call unemployment and they refer me back to the bank.. I need help. what can i do to get my money out of this account and into my personal checking account.. This can not be right what they r doing. The prepaid card that the unemployment deposites my benifits to is the usbank relicard. I have since changed futer payment to be deposited to my personal checking. My usbank relicard has XXXX dollars of my unemployment money on it .. So basically they r telling me they r keeping this money laughing about it and there is nothing i can do about it.
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (CT)

I have called Experian multiple times using all the phone numbers listed under their site. I need to determine why no companies or lenders are able to pull my credit. This has become a huge problem, and has caused me to be denied credit. I can never receive a live person when calling and or emailing. Their phone numbers loop around to the same automated questions, they say they can't verify me online. This is ridiculous.
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (PA)

On XX/XX/2020 I reached out to XXXX XXXX XXXX a Senior Loan Consultant from New American Funding ( NMLS # XXXX ) in search of a mortgage. Before ending the conversation, XXXX XXXX requested that I upload personal information before moving forward in the process. After forwarding the documents requested, a week had gone by and I haven't heard from XXXX XXXX. I decided to give him a call, and during the conversation he became very apologetic and began to tell me how busy he was with other applications in that he would begin working on my application very shortly. Well, as of today, I haven't been contacted by XXXX XXXX at all. I'm also worried about the personal information which I uploaded, and the Hard Inquiry I received from New American Funding after requesting a copy of my credit report. 

XX/XX/2020 date of request Hard Inquiry : XXXXnew American Fundin XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.