davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against XXXX and Equifax for Inaccurate Reporting and Violation of FCRA Rights Accounts XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agencies, XXXX and Equifax, XXXX their inaccurate reporting of my consumer credit information. This matter raises concerns about the violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I believe that these companies have failed to uphold the standards set forth in 15 U.S.C. 1681 ( a ) ( D ) ( 2 ) ( a ) ( I ), as Congress intended to ensure that a consumer report does not include transactions between the consumer and the person making the report. 

The alleged transaction that XXXX and Equifax are reporting on my credit report has not been factually verified or investigated by either of these agencies. This transaction can be categorized as a direct interaction between the consumer ( myself ) and the person making the report. Therefore, it should not be included in my consumer report, as it violates my rights under the FCRA. 

I have made numerous attempts to have this inaccurate information rectified by contacting both XXXX and Equifax directly. However, my efforts have been met with little to no response, and the inaccurate reporting remains on my credit report. This lack of action on their part further compounds the violation of my rights under the FCRA. 

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against XXXX and Equifax for their failure to adhere to the FCRA guidelines. I believe that my rights as a consumer have been severely compromised by their negligent and inaccurate reporting practices. 

In light of the aforementioned issues, I am seeking the following remedies : 1. An immediate correction of the inaccurate reporting on my credit report, specifically the removal of the alleged transaction in question. 

2. A comprehensive investigation into XXXX and Equifax 's reporting practices to ensure that similar violations are not occurring with other consumers. 

XXXX. Appropriate disciplinary actions against XXXX and Equifax, as deemed necessary by the CFPB, to prevent future violations of consumers ' rights under the FCRA. 

Enclosed, please find copies of relevant documents, including correspondence with XXXX and Equifax, which demonstrate my attempts to resolve this matter directly with them. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to rectify this violation of my rights. I look forward to your prompt response. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-09
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. (FL)

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 ) Account number : 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  Inquiry date : XX/XX/XXXX these accounts have 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 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information. 
XXXX. Account number and date of debt inception. 
XXXX. Detailed breakdown of the claimed amount, including any interest or fees. 
XXXX. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2019-05-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (IL)

XX/XX/2019 I am trying to call customer service of Navient to start repayment of my student loans.

Every time I call I am put on hold for over 20 minutes with no response other than terrible 80 's music blaring in my ear and an automated voice message telling me how great Navient is.

It would be nice if I could actually get a real person to talk to instead of a machine for over 20 minutes. This is terrible customer service. Answer your phones.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Hello Sir/Madam, I recently viewed my credit report and noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXXXXXX XXXX XXXX in XX/XX/XXXX XXXX I have contacted XXXX XXXX  XXXX by phone, and they told me to dispute this with all 3 credit bureau reporting agencies. This account has always been paid on time and has never been late since XX/XX/XXXX, and have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. Therefore, I am now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully I look forward to your immediate action.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have been in the cryptocurrency market for 2 years from the middle of XXXX to XXXX. However, they did let me sign up for the app which is Coinbase, and now they locked my account because I do not have SSN. They stated that they only needed my Driver 's license and my passport. Besides, they are scammers because when the dips dropped down I could not buy it as they say its a system error.
Consumer complaint received 2022-10-07
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. (MI)

The following companies are violating my consumer rights according to the FCRA I am requesting th method of verification of the following accounts 15 USC 1681a ( e ) states that a consumer reporting agency investigates something it is known as investigative consumer report. I am demanding a deletion I gave them 15 days to respond and I requested exact names and they failed to provide me with this information.
Consumer complaint received 2022-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

In XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but they notified me that the processing times would be more than 6 months to a year. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness.Throughout the pandemic I paid almost $ XXXX payments. Im worrying that I cant take advantage of the new forgiveness. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account and they even got refund into their bank accounts. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which unknown time, while the interest rates and payments will resume again in XXXX. 
They didnt send out confirmation emails or anything to prove that they send in our request. I understand that the process might take long, but it's very concerning to me when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Other people 's loan providers reinstating their balance after requesting it just 36-72 hours later and got refunded after couples days later that makes me very concerned that this company does not have our best interests at heart. This money is life changing for me, so I really looking forward to get back as soon as possible.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (UT)

I was locked out of my account with Chime a little after XXXX just before XXXX I had deposited XXXX into my savings for XXXX rent for safe keeping however I have not been able to access my account. I have a number of times called support and talked to a real person each time told they will push it to support and to wait for email with response. No email responses, I have sent prof of address Copies of ID, conformation of deposit and spending, and conformed with customer serves every time I called, yet still can not access account. Do to this I'm now being kicked out of home for inability to pay my rent. For almost 3 months I have been emailing XXXX, XXXX, and calling serves center yet I get no respond and still no access to my funds. Therefor I'm asking the CFPB to please help before things get worse for me and I loss anything more. I have been a costumer with Chime for about 5 years and have never had a problem till now. Seems to be there is no help with Chime and talking to a real person that can only respond with a automated put you off and pass the buck.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (MD)

On or around XX/XX/2022, I received my XXXX credit report and noticed they are inaccurately reporting Citibank an current open line of credit with excellent payment history as an account in dispute. I have never contacted XXXX or Citibank and disputed Citibank line of credit. In addition, XXXXCitibank refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practice and hold Citibank/XXXX accountable XXXX I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Consumer complaint received 2022-07-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

Completed a Right of Rescission dated XX/XX/2022 and received by Allly Financial on XX/XX/2022 in XXXX XXXX XXXX of my vehicle. My vehicle was taken in the middle of the night on XX/XX/2022 and I never received an authentication notice of illegal repossession.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One called me XX/XX/XXXX to inform me that a checking/savings account had insufficient funds due and hadnt been able to replenish the XXXX. I deposited {$70.00} on the XXXX and told them I will pay as much as I can when I can and not to contact me again. On XXXX  XXXX the XXXX they called me once again about this matter even after me verbally stating that this matter would be handled and NOT TO CONTACT ME AGAIN. yet the did. On XX/XX/XXXX I deposited {$44.00} dollars bringing the account to {$100.00}. After doing so, I still received a call even after telling them not to contact me and that I will pay it down when I can because I am a XXXX XXXX  on a limited income yet they once again left a voicemail to call them.
Consumer complaint received 2020-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

HELLO, I HAVE TRIED NUMBEROUS TIME TO GET A FORBEARANCE OR DEFERRMENT ON BOTH MY STUDENT LOANS WITH AMERICAN EDUCATION SERVICES. RECENTLY, BECAUSE OF THE COVID19 VIRUS, PRESIDENT XXXX PUT A NEW EXECUTIVE ORDER THAT ALL STUDENT LOANS BE DEFERRED UNTIL THE NEW YEAR. I NOTICED THAT MY STUDENT LOANS WERE SHOWING AS DELINQUENT ON MY CREDIT REPORT AND WHEN I CALLED AES, I WAS TOLD THAT MY LOANS DID NOT COUNT AS PART OF PRESIDENT XXXX 'S EXECUTIVE ORDER, BECAUSE AT SOME POINT, MY LOANS WERE CONVERTED TO PRIVATE LOANS, AND THEY EXPLAINED THAT PRIVATE LOANS WERE NOT INCLUDED IN THE EXECUTIVE ORDER. I SENT MANY EMAILS TO THEM REQUESTING INFORMATION AS TO WHEN MY GOVERNMENT STAFFORD LOANS WENT PRIVATE AND THEY HAVE NEVER RETURNED MY REQUEST. TO DAY MY LOANS ARE STILL SHOWING DELINQUENT EVEN THOUGH I TRY TO PAY THEM {$100.00} A MONTH TO CATCH UP, BUT I SHOULD NOT HAVE TO BE PAYING THEM ANYTHING DUE TO THE EXECUTIVE ORDER.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


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
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

I filed a complaint on XX/XX/XXXX about XXXX XXXX XXXX XXXX and the response from Equifax said that they deleted them all, but they did not, all they did was just add the original lenders that were removed. We ask them to delete the XXXX credit collection account which was not accurate, they did not even mention it in their response, and as the same as XXXX credit, they added the original lender. 
In the XXXX XXXX account, a closed account that was removed, they are reporting late payments every month, damaging more my credit. I ask for all those accounts that have not been accurate to be removed, and their original lenders to be removed as well. 
Equifax for no reason took out of my credit score XXXX points in XX/XX/XXXX, while XXXX added XXXX, for my loan is well paid, and decreased balance. 

1. XXXX XXXX XXXX accounts 2. XXXX XXXX account 3. XXXX 4. XXXX 5. XXXX XXXX account closed in XXXX, and is being reported late monthly payments every month until today. This account was also removed due to inaurate information. 
6. XXXX popular late apyments are inacurate
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There were some charges in my XXXX over XXXX $ I put my claim XXXX  times and it was denied. 
Called the back and they said that there is nothing they can do!! We didnt make those charges. We had to ask for money, the back left the XXXX in XXXX $
Consumer complaint received 2024-08-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A. (PA)

THE COMPANY PNC INFORMED ME IN XX/XX/XXXX THAT I HAD OPTIONS OF GOING FOR MORTGAGE PAYMENT PLAN BUT THE GIRL ON THE PHONE SAID SHE DIDNT REALLY THING THE OPTIONS WOULD BE HELPFUL. SO I DIDNT TAKE IT. ITS ON TAPE. I HAD CALLED TO TELL THEM I WAS OUT OF WORK FOR AWHILE BECAUSE OF XXXX. i TOLD THEM I COULD NOT MAKE FULL PAYMENT EACH MONTH. SHE SAID MAKE AS MUCH AS YOU CAN. I DID. I CAUGHT UP. BEEN PAYING EVER SINCE. CHECK MY ACCOUNT. ENDING IN XXXX HELOC LOAN. ITS ALL ON RECORD. WHEN I CALLED TODAY TO ASK ABOUT H.OW IT WORKS GOING FROM A FIXED TO VARIABLE SHE SAID I CANT DO IT BECAUSE THEY SUSPENDED MY DRAW PRIVILEGE. I ASKED HER WHEN. SHE SAID ITS AT THEIR DESCRETION. CHECK THE TAPE. THERE APPEARS TO BE NO SOLUTION EVEN IF I WROTE AND REQUESTED AGAIN. I ALREADY DID SO..THEY DENIED IT AGAIN AND AGAIN. WITHOUT REGARD TO A REASONABLE SOIUTION THEY SAY THEY ARE ALLOWED TO KEEP ME A FIXED RATE IT SEEMS FOREVER.
Consumer complaint received 2022-07-28
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (NY)

On XX/XX/XXXX I send documents to Sallie mae requesting they send me the audit trail, and detailed documents that i specifically requested associated with my account. They received this malling through Certified mail # XXXX on XX/XX/XXXX it has been 8 full business days since they received this malling and yet to respond