davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AES/PHEAA (TX)

I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly XXXX XXXX is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

Express recovery has sent a {$15.00} collection to the credit bureaus. I called the creditor listed and I was told they dont show I have any outstanding debt with them. I called espress recovery and the woman was curt with me and told me if I dont owe it it will eventually show paid but will not come off my credit reports. I tried to tell her this is some kind of mistake. She would not help me. I called XXXX XXXX again who again said they dont show anything outstanding and it shpould fall off soon. It has been a month and it is still there
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2018 I received a mobile call from a company called XXXX XXXX XXXX XXXX, of whom shared via recorded line that because of my on time payments, but high interest has not been reduced, they are calling to help me reduce my credit cards to little as 6.9 to 7.4 %. I thought it sounds great. XXXX XXXX XXXX ask of debt amount total on all cards, ask for my bank info to make them payments of {$790.00} broken up in 4 payments of {$150.00} each. XXXX XXXX XXXX XXXX said that Capital One will lower my interest to 7.4 % but you have to say you are in distress. I said will I am not I am buying a home and if this will cause a credit pull I can't go through with it or it can deny my loan. I was told that it is fine. So XXXX XXXX XXXX  called Capital One ( XXXX  ) XXXX and XXXX XXXX XXXX  told me what to say and told me what Capital One would say. So I did not really being clear of what is going on. Capital One did exactly what XXXX XXXX XXXX XXXX said. I hung the phone up called my load officer told them what happened and they advised me not to do that or will deny my loan because that means that I am in distress and can't pay bills. Now I have never missed a payment accept for a day late for forgetting the due date. I told ask capital one if they can cancel that agreement of which I never signed for. Everything was verbal with capital one except email with XXXX XXXX XXXX. I told Capital One I am not in distress I am just making minimum payments at this time for a while because I am saving for my closing afterwards I will pay them off. Capital One denied my request the same day made after I called and spoke with up to 4 managers begging them to cancel that and I was willing to continue what I had. Capital One says to me well it looks like you are in distress because of low funds in account and minimum payments made. I begged them that I did not fulling understand what I was agreeing to I apologize, please allow me to continue my relationship. I do not want to lose my marriage over this nor the home that is in the process of being built for my family. Please, please, please..in tears ... They said I am sorry, but told me that I can not cancel it and I can continue to make my payments on time until it paid in full without interest for 60 months then the account will close and I can not reapply. I said I am begging you to cancel that agreement. They would not. I am reaching out for some help and consideration for my mistake, I want to keep my account with capital one. Or at least not mark my account as denied for distress.
Consumer complaint received 2018-04-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been working on this as well as my attorney. I had filed the complaint against BOA with your company and they responded with a letter along with Bank statements from a personal checking account. The problem again occurred when I had credit card with BOA for several years and was making payments normally around {$230.00} a month. XX/XX/2012 I had sent 2 checks which they stated they never received. I had a business checking account that I noticed 10 payments of {$650.00} being withdrawn from my account for 10 months for some type of life insurance policy which I never authorized automatic withdraws. When I filed my last complaint they again sent me copies of my personal account and said there were no such withdraws. They did not investigate my previous business checking account that would have shown the transactions in question. I wanted them to refund the draft that were {$6500.00} total or put it toward the credit card that they indicated they did not receive the two checks on.
Consumer complaint received 2018-02-18
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: Experian Information Solutions Inc. (MI)

EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Investigation of Unauthorized Inquiries Dear Sir or Madam, I checked my personal credit report, which I paid for from your organization and I noticed unauthorized inquiries had been made. 
I contacted each of the following companies, who conducted each of these inquiries and requested proof that I authorized them to pull my credit report. No proof has been forwarded, therefore I asked them to remove the credit inquiry they placed to my credit profile. 
I request that you initiate an investigation into the following inquiries and have them deleted ASAP! 
1. ) XX/XX/XXXX XXXX XXXX ( I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ), please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX 2. ) XX/XX/XXXX XXXX XXXX - Again I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ) 3. ) XX/XX/XXXX or XX/XX/XXXX XXXX XXXX -- - I never authorized them to pull my credit please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX, Please delete this inquiry! 

Once your investigation is complete and you find my allegations to be true, please remove the unauthorized the inquiries and send me an updated copy of my credit report at the address listed below. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX
Consumer complaint received 2018-04-03
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. (LA)

The following are unauthorized and they are affecting me getting credit. I have never applied for credit with these company 's. I would like to be provided proof I consented to these inquiries via FCRA section 609 and 605 a swell as the accuracy of these inquiries via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. 

Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX   XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDMAN SACHS BANK USA (GA)

Dear CFPB, One year ago today, we put money in CD for one year at GS Bank, it matured today XX/XX/2018. I called bank today to give an instruction of " do not renew, transfer money to Savings. '' I was told that transfer takes 1~2 business days. GS Bank tries to hold onto people 's money as long as it can by using this kind of unlawful delaying tactics nowadays, hoping a 10 day grace period runs out in the meantime. 

I had gone through several scary experiences with this bank over a couple of year that just wanted to close the account. This bank also received horrible reviews that I wanted to take these reviewers ' advise. Total amount as of today, including two days interest, should be {$250000.00}. CD #  XXXX. 

Without CFPB 's support, I wouldn't have had online banks in the first place, but even CFPB 's support nowadays, I don't feel our money is safe, since GS Bank has gotten so bold criminally. 

GS Bank needs CFPB 's oversight for sure.
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (CA)

Complaint against Wells Fargo Credit Card services Credit card # XXXX  Primary card holder : XXXX XXXX XXXX ; Authorized user : XXXX XXXX XXXX  We were impacted by the FEMA declared Natural Disasters that struck XXXX, CA. My wife and I both work for schools and were unable to work for 7 weeks because of fires and then the debris flow closed US highway XXXX. I spoke with XXXX XXXX in the Wells Fargo Executive Office on XX/XX/XXXX and begged him for a 3-month temporary hardship deferment so that we could recover from the devastating wild fire and debris flow that crippled XXXX and XXXX XXXX, CA. XXXX XXXX promised me that he would waive the late fees and interest charges for 3 months ; XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( Wells Fargo claim # XXXX  ).

Wells Fargo LIED AGAIN! They DID charge us late fees and interest charges.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

HI XXXX XXXX YOU XXXX XXXX, your letter you sent to me has no wet ink signature, its not binding, your words are fraud and presumptions, you never said what you did with the negotiable instrument i deposited into XXXX, isnt it true XXXX attached a cusip number with medallion seal and sold it as a security?, isnt it true that your insurance policy covers all negative balances after 90 days? isnt it true XXXX has been paid more than twice the amount of XXXX?, so where is the debt? 
where is my ''bill ''? you have my billing address and i never received a ''bill '', do you know the definition of a bill and a statement? how would you like to explain all this fraud in front of a jury, if the check was fraudulent WHY THE XXXX DID XXXX SELL IT?, MY X-GIRLFRIEND WORKED IN A BANK FOR 27 YEARS, YOU THINK I DONT KNOW WHATS GOING ON? AND I DONT HAVE ANY CONTRACT WITH CHEXSYSTEMS THEY DONT MEAN XXXX TO ME BUT YOU XXXX CRIMINAL ARE IN SOME HOT WATER NOW, I never received any varified complaint of any ''wrongdoing ' sworn to before a notary either, furthermore you say federal law allows banks to substitute check,, so show me the citation you are speaking about, SHOW IT TO ME WITH CLARITY BECAUSE YOUR YELLOW HIGHLIGHT IN THE LITTLE BOOK DOESNT MEAN A XXXX XXXX THING, ITS TOTALLY VAGUE AND NOT VALID, SO SHOW ME THE LAW, SO WHATS THE BIG SECRET, XXXX AND ALL THE BANKS SELLING PEOPLE 'S SIGNATURES AS SECURITIES RIGHT,? WHERES MY ORIGINAL CONTRACT WITH SIGNATURE, YOU SOLD THAT TOO RIGHT?
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-11-01
Product: Credit reporting 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. (PA)

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX violated my consumer reports on XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been making payments to my capital one credit card and they continue to report me as late. XX/XX/XXXX my statement ( due date XX/XX/XXXX ) stated I owed {$200.00}. I paid on XX/XX/XXXX {$470.00} ( because I also owed XXXX so at this point I was 30 days past due ) I was told this amount did not count towards my payment due although online and on the phone when I made the payment on XX/XX/XXXX the minimum due was {$470.00}. I had asked the rep why it was being reported as the minimum due on the phone via customer service, on the capital one app under my account, and online under my account info as the minimum due if it wasnt actually he minimum due. She said that she couldnt help me to file a dispute. Moving forward to XX/XX/XXXX my statement ( due XX/XX/XXXX ) reports I owe a minimum of {$160.00} I then get an email 4 days later ( XX/XX/XXXX ) saying my payment had been returned therefore my minimum was now {$750.00} Between XX/XX/XXXX and XX/XX/XXXX I received 6 emails stating that I had to pay a minimum of {$750.00} to bring my account out of collections and current therefore I paid it on XX/XX/XXXX in the amount of {$750.00} I then on XX/XX/XXXX received a notification that my account is still past due now 6 payments and that Im faci a charge off. I called the company spoke to three reps all telling me my {$750.00} payment meant nothing I needed to make another {$780.00} payment to bring it current although the emails and phone customer service and online account said minimum payment due was {$750.00} which I paid
Consumer complaint received 2018-02-17
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. (NC)

I've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau ( XXXX, TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I'm requesting that all of the accounts be removed. All of the loans in question and the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2018-02-17
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. (GA)

XXXX, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
Consumer complaint received 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to All credit bureaus some have refused my request to dispute the unauthorized inquiries on my credit profile. 
I have asked them to investigate. 
Transunion employees told me they don't investigate disputes, They told me I have to reach out to the creditor to obtain a letter of deletion. After reaching out to the creditors they told me I have to call the credit bureaus and request a dispute. So I recontacted the Credit Bureaus and attempted to get them to honor my request to check out the unauthorized inquiries. They continue to give me the runaround and hanging up in my face 3 times. 

XXXX started off giving me a run around for my request. Telling me to reach out the creditor. By telling them I already have done this and a threat of contacting CFPB they open disputes. But when I go to the dispute center in XXXX it seems as if they doubled up on disputes and missed out on a couple of disputes in the date range of XX/XX/2017 to XX/XX/2017. 

XXXX has also given me the run around still waiting on a call back for them to finish addressing this issue with the Inquires ... 

I want is for these credit bureaus to do is follow the law validate these unauthorized inquiries and show me documentation of there validation. A binding contract, Copy of Id, Application, Authorization to pull credit ...
Consumer complaint received 2018-12-19
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. (TN)

I sent a dispute disputing this account and this company failed to respond within the 30-45 days time frame. I requested for proof of documents because this account was to be paid off in full and is still incorrectly reporting and hindering the growth of my credit score.. XXXX has not responded or provided any type of documentation supporting this account.

Also this account is reporting every month negatively on my report dropping my score.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (TX)

I received a statement that I owe {$55.00}. I am not responsible for this debt. It does not belong to me. 

I can't find this company as being bonded to collect in the state of Texas.
Consumer complaint received 2018-12-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : inquiries 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 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 XXXXXX/XX/XXXX