davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-03-13
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. (CT)

I have been affected and severely impacted by the XXXX Equifax data breach. I'm a natural person who's not only been victimized by the 3 major credit reporting agencies, but also the criminals in the underworld. I never gave permission or authorization for my personal data to be stored, collected, sold or traded by any credit reporting agency. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my consumer credit reports but only XXXX XXXX responded with a letter stating that they would not process my requests because they didn't think my letter came from me. The FCRA is pretty clear that credit reporting agencies have a legal obligation to ( re ) investigate ALL disputes and correct inaccuracies if they are made aware of such. I am deeply depressed and suicidal going back and forth with these XXXX dollar corporations. I am also writing to the Attorney General of Connecticut, and the XXXX, as I have no faith in the CFPB. I sent certified letters to all 3 CRA 's on XX/XX/XXXX and received only one response from XXXX XXXX on XXXX stating they weren't doing anything because they didn't believe I sent the letters. This is completely unacceptable.
Consumer complaint received 2023-03-13
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$230000.00}
Consumer complaint received 2023-03-13
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: AmerAssist A/R Solutions, Inc. (NY)

I recently reviewed my credit report and found some accounts that do not belong to me. As you know, listing these accounts on my credit report is a violation of the Fair Credit Reporting Act. I am a victim of identity theft as a result of a data breach from XXXX Account Name : XXXX Account Number : XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : AMERASSIST ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : The account is fraudulent Account Name : XXXX  Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : The account is closed Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
Consumer complaint received 2023-03-13
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. (SC)

I asked the credit bureaus to do a verification of everything on my credit report and they said they did and stated that everything was accurate. But when I did my own investigation, I noticed that there where still a lot of improper inaccuracies on my report even after the did their investigation. For example, XXXX  Account # XXXX XXXX which is an opened collection Account type. Has all kinds of inconsistencies where it is showing that it was opened with XXXX on XXXX and XXXX XX/XX/ and never opened with Experian I also could see that the last reported dates the last active and last payment dates were all inconsistent. 
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX 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. it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-12
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: NAVY FEDERAL CREDIT UNION (CA)

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

15 USC 1681 Sction 602 States I have the right to privacy.

15 USC 168 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nit treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: ARVEST BANK GROUP, INC. (NH)

At this time I would like to file a complaint about the improper handling of the discharge of my mortgage by Arvest Mortgage Company. 
Dispute with Arvest Central Mortgage Company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX XXXX Specifically I am seeking help with their failure to properly follow through and remedy the error they made regarding the discharge report to credit unions and their continued failure to remedy the problem within an appropriate time frame. 

On XX/XX/XXXX I was notified by email and telephone by my current loan officer XXXX XXXX ( XXXX ) XXXX, that his mortgage company was unable at this point to approve my financing for a new home due to Arvest Mortgage Company never publishing the discharge date of XX/XX/XXXX of property I co-owned at XXXX XXXX XXXX, XXXX, NH to the any of the three credit agencies. Currently the account status says more than 120 days past due and/or foreclosure. By law, the account status needs to be discharged with the date of XX/XX/XXXX. I believe Arvest Mortgage is in violation of federal and state law in this matter. 

I immediately called Arvest Mortgage ( XX/XX/XXXX ) and spoke with a customer service representative XXXX XXXX. She said the dispute needs to be sent to the credit dispute department and there is no phone number or extension she can give me to contact them. They only accept email disputes and mailed disputes. She also sent them an email to help start the process on XX/XX/XXXX. 

I received a confirmation email that the email had been received. 

I also followed up with a personal email from me on Wednesday, XX/XX/XXXX in the hopes that would help with the process. ( While they did send me the identical email from the one above confirming that it had been received it was not printed out by me in time and it expired. ) On XX/XX/XXXX I sent a follow up email and they sent me another email saying they received my request on XX/XX/XXXX. 

On XX/XX/XXXX I sent another follow up email reminding them as per their emails that I was supposed to get a mailed response within 30 days which I did not get. On Monday XX/XX/XXXX they sent me another email letting me know they received my email, similar in wording, that I should hear from them by mail, etc. 

I have yet to receive any mail from Arvest Mortgage.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX, I was approved for an amex gold card with no preset with so many different benefits, also paid an annual fee up front of {$250.00}. XX/XX/XXXX, they placed a preset limit on my account without notifying me to why, I called XX/XX/XXXX about this issue, spoke to six different representatives and they said I have to appeal the decision and give more information about myself. To my understanding, I got approved for a card with no preset and benefit that I paid annual fee for.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (MI)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the self-lender account that has been reported on my credit report. The account in question has already been discharged, and I have attached a 1099-c form as proof.

I am concerned because, as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies should ensure that the information they report is accurate, complete, and up-to-date. However, in my case, the self-lender account that has already been discharged is st
ill being reported on my credit report. This inaccurate reporting has negatively impacted my credit score and prevented me from obtaining credit.

As an ordinary consumer, I rely heavily on my credit score to obtain loans, credit, and even employment. The inaccurate reporting on my credit report has made it difficult for me to achieve my financial goals.

Moreover, according to the IRS regulations, a 1099-c form should be filed when a debt has been discharged. I have attached this form as proof of the discharge of the self-lender account in question.

Therefore, I request that the reporting of this account on my credit report be immediately removed to ensure that my credit report accurately reflects my current financial situation. I believe that this will help me to achieve my financial goals and prevent any further harm to my credit score. 

Thank you for your attention to this matter.
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I sent a letter out XX/XX/XXXX requesting validation of the debt. Its been over 5 months and the only thing they have done is notify one credit agency that I am disputing the debt. By law you only have 30 days it has been well over 5 months. enclosed are recent pictures of my credit reports from all 3 agencies showing that there are still inconsistencies. It also shows that in 5 months you have only alerted one agency that i am disputing the debt and that is still not validated or confirmed or even investigated. I am also enclosing pictures of the certified mail receipt dated XX/XX/XXXX. I am enclosing the letter i sent requesting validation of the debt bearing my signature and asking you to do so in 30 days. I have been personally and severely impacted by the lack of due diligence of this companies reporting and its in complete violation of the FCRA
Consumer complaint received 2023-03-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bread Financial Holdings, Inc. (WI)

I Purchased a defective product for over {$1400.00} using Paypal buyer protection. I was told to return the product for a full refund. initially I was told that the buyer protection covers shipping cost, but Paypal said i would have to pay the {$600.00} to ship the defective product back. I paid to ship it back and after it was delivered I was that I would not get a refund. Im out of over {$2000.00} and no product to show for it. I would like a full refund as promised including the shipping. Why should I have to pay {$600.00} to ship a defective item back? I have everything in writing and I spoke to a supervisor XXXX as well as a Manager by the name of XXXX on XX/XX/XXXX on a recorded call as well as in writing I was told I would get a full refund. I supplied the tracking numbers for the return and confirmed it with a signature as instructed by XXXX the supervisor.
Consumer complaint received 2023-03-12
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. (TX)

Experian was unable to verify these accounts, so they had removed the accounts. As I was reviewing my report, I noticed that Experian reentered these accounts on my report which cause my score to drop. I have sent out letters informing them on the situation and haven't been able to get any response.
Consumer complaint received 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I submitted for XXXX in XX/XX/XXXX. My forgiveness still has not been processed and every time I call the customer service provides different information or false information. The wait time is unbelievable, at least 3-5 hours if you want to speak to a supervisor. I have called the following times ( sometimes taking off a day of work to speak to someone at Mohela ) and my issue still has not been resolved : Phone calls made in XXXX ( *At this time my loans were being processed by XXXX ) XXXX - Told my consolidation looked good XX/XX/XXXX - they said call back in XXXX XXXX - Told me to escape my case to a supervisor because my employment certification forms were not being processes properly XX/XX/XXXX - Told that all my employment was approved and my account was being transferred to Mohela XXXX Not to worry. Just wait. be patient. 
XX/XX/XXXX - Mohela tells me to wait until XXXX XXXX - Said my 5 employers were approved and I received forgiveness ( not true ) XXXX - Told me to wait that by the end of XXXX I would be approved XXXX - Payment starting to get counted by only at 41 ; today they bumped up to 88 XX/XX/XXXX - waited 2 hours on hold to be told just keep waiting ; payments jumped up to 131 but 88 were qualifying ( this is not true, I have worked in Non-profits and as a public school teacher for 20 years ) XXXX XX/XX/XXXX - 2 hours on hold ; I had to go to work so I hung up XX/XX/XXXX - 2.5 hours on hold ; spoke to a supervisor who has me submit more Employer Certification Forms but could not explain why my former XXXX 's were not all accounted for If you look at my employment history, many of the months I worked are not accounted for : XXXX, XXXX, 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX 6 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX 2 counts are missing ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX 4 counts are missing ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 12 counts are missing XXXX - ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) In short, I have been waiting for over one year for my loans to be forgiven. I need the help getting through to a competent supervisor with a wait time that is not over 3-5 hours and who can fully process my application. This loan forgiveness is a difference between me being able to be a first time homebuyer at XXXX XXXX XXXX or continuing to be priced out of my rental apartment.
Consumer complaint received 2023-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I talk to Trans Union A few times to Correct The fraudulent accounts and inquiries on my credit report and nothing have been resolved. I took the extra step to reach out to for help to correct this matter. Thank you in advance XXXX XXXX
Consumer complaint received 2023-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KS)

Below is a copy of an email sent to nearly 40 email addresses of executives, various departments, and authorities in the hopes to escalate resolution to the issue I am facing ; that is, a check from my employer being withheld/and or refusal to verify my employers account that is with JP Morgan Chase Bank . 

For the record, I bank with XXXX XXXX ; the check is from JP Morgan Chase Bank. XXXX XXXX has assured me that Chase refused payment/ would not verify my employers account and send funds made to me by their check, the morning after I deposited it. 

Below is a quote of the email I sent, and attached is the check itself, and my state DL as well as Government Employee Badge. 

Hello, my name is XXXX XXXX and I am a new USPS employee. I deposited a check via mobile deposit into my XXXX XXXX account yesterday afternoon that was issued to me from my employer, the United States Postal Service, by your bank. I tried to cash it at XXXX since I do not have a brick and mortar bank relationship status since moving back to KS. They tried to run it twice and said it was denied. So I turned to XXXX XXXX- they credited me {$400.00}, and was to deposit the rest this morning. I woke up to an overdrawn bank account. Their position is that JP Morgan Chase Bank wont release my travel reimbursement check to my account. I need to eat. This is unacceptable, and I will not wait 10 for you to release me my paycheck. What kind of Bank doesnt back the Postal Services checks? Especially one paid to an employee. Im sure this is unlawful, its certainly unruly- and I will be contacting an attorney on this matter. I have spoken to everyone I can today at PO and they just look at me like, What happened? 

UPDATE : Is this really where we are at? Are you really the type of bank that refuses to verify or acknowledge a USPS workers paycheck from the Postal Service, with ZERO explanation? 

This is unacceptable. I have a right to be paid for my labor. Verify my employer 's account and release the funds made to me- To my XXXX XXXX account. Consider this a final notice before my legal counsel files a complaint. 

CC : Consumer Financial Protection Bureau, Federal Trade Commission, XXXX XXXX Kansas Attorney General
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I opened a Victoria 's secret credit card in XX/XX/XXXX I purchased XXXX on it the first time used it on XX/XX/XXXX I paid the card in full XXXX on XX/XX/XXXX I purchased under ware that same day on XX/XX/XXXX I paid XXXX paid all charges off on the card then I get an email stating I am XXXX in debt I have not used the card at all since I paid it off. they are saying I have back charge on the bill they sent me was only XXXX owed now somehow it accumulated XXXX in late fees. when the card wasn't used. I paid all balances on XXXX XX/XX/XXXX of XXXX.