davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Hello Cfpb, I wan na ask help to restore my account back As of XX/XX/XXXX, After i converted the euro to peso, without withdrawing it yet my account got limitation again. with reference ID : XXXX.
Consumer complaint received 2017-09-08
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. (GA)

Equifax mishandled my personal information. According to their website, equifaxsecurity2017.com I am listed as a potential victim. I would like a resolution to this breach of my security. Thank you.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I received an email ( see attachment XXXX ) as a formal response to my complaint filing to CFPB ( Case XXXX XXXXXXXX ), suggesting that Citi still refuses to cooperate to unblock my account and that the address in the correspondence does not match their record ( " Wrong Address '' ) despite the email showing my current address ( " Correct Address '', ( e.g., XXXX XXXX XXXX ... shown in attachment XXXX ) ). 

The only way to unblock my accounts is for me to provide a reference number in a letter sent by Citi 's Fraud Department multiple times, but the letter never arrived as it was sent to the Wrong Address. 

The account was opened on XX/XX/XXXX, and the address shown in the application documents is the Correct Address. Therefore, Citi has changed my contact information without my consent, purposely put a block on my account, and refused to provide alternatives to verify my identity and allow me to access the account.
Consumer complaint received 2023-02-08
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. (VA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-08
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. (FL)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2017-09-08
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. (KS)

Data breach by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that waives their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft.
Consumer complaint received 2023-02-08
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 looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from XXXX in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by XXXX back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this account.
Consumer complaint received 2023-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

My loan was sold to Firstmark services. First of all, when I first got with this new company, I was told I had 90 days before being reported to a crediting agency. A little long, but I always made sure I kept it in that window since Im trying to start my life off. At the start of this process, I hit some snags because the XXXX XXXX was supposed to be paying this loan per my enlistment contract as a part of my bonus. When I found out that the XXXX was not fulfilling their end, I started paying. After starting to pay, I continually told Firstmark that I am the primary so please get with me on all the information I need to know. Firstmark continually sends mail, emails, and calls to the Co-Signer, XXXX XXXX ( XXXX ) and only sends me the bill. Firstmark does call but I repeatedly told them that I am a Deputy Sheriff on Midnights and when they call I am asleep. The times I do get to answer, no one answers the phone. Ive even heard the person on the other end of the line having a conversation. They will then call the co-signer as if I didnt answer at all. For example on XX/XX/XXXX, I answered the phone and, with witnesses, stayed on the line for XXXX minuets with the both of us trying to get someone on the other line to talk. Then, XXXX minutes later Firstmark called the co-signer and left a message. Something Firstmark has never done for me. Now, the co-signer is threatening to sue me due the him being adversely affected by the situation and me not being able to take care of the situation. All due to the fact that after multiple complaints Firstmark refuses to elevate the issue. Ive reported to management multiple times and when I ask to speak to management, like today XX/XX/XXXX, I get hung up on. I feel as if Firstmark is operating as such on purpose given the fact the co-signer has stated that he will not pay any part of the loan to both myself and Firstmark. As I do not have the best history of payment, I do have a history even paying more than what the monthly payment is at times in order to try and catch up.
Consumer complaint received 2023-02-08
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. (CO)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: EAST WEST BANK (FL)

On XXXX at XXXX XXXX a wire transfer was made at the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX FL XXXX to East West Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX. Due to incorrect instructions and information the transfer was cancelled in the amount of XXXX. XXXX XXXX and myself have asked for a return back to my checking account. East West Bank Said the matter is closed with no further action to be taken. No Funds or moneys have been returned after countless times asking for the refund. 
XXXX XXXX has sent emails to the East West Bank asking for the return of the Funds. 
Reference # XXXX Federal tracking Number XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-02-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VA)

In XX/XX/2016 I opened a checking account with TD. At that time, if you opened either a premier checking or convenience checking, you would qualify for a reward. 
I spoke with the branch manager, XXXX, to open a checking account with {$150.00} reward and she assured me that if I am making direct deposits and debit card purchases in a certain amount I will qualify for the reward. 
After I did whatever it was told, I was denied from getting the reward. every time when I was calling to dispute the reason, it was told me something different. 
First they told me that I have to wait for another couple weeks for the reward to post. Then they said that I opened the account over the phone, so i will not get it. Going back to the branch and talking to XXXX ( that opened the account for me and making sure I will get the reward back in XX/XX/XXXX ) she told me that I would not get the reward because I switch the premier checking with convenience checking and that 's why I will not qualify. Last, calling another supervisor - XXXX I was informed that will not get the reward because only one per household is given!! 
I 'm sure that if I continue to call they will tell me whatever other reasons. 
At this time I am looking for a lawyer.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I started with just over {$70000.00} in XXXX XXXX loan debt that I repaid faithfully until a job loss in XXXX. I ended up on Social Security XXXX. I finally got off of XXXX, finding a job that was suitable for me. In XXXX I was repaying my XXXX XXXX loans at a rate of $ XXXX. My income was reviewed in XXXX the minimum payment they would accept was $ XXXX. Due to Navient 's suggestions of forebearance, because I could not pay the minimum amount due, I have accrued {$55000.00} in INTEREST bringing my total loans from {$70000.00} to a whopping {$120000.00}. Navient 's response, " There is nothing we can do for you until the laws are changed ''. XXXX XXXX loans are excluded from most income driven repayment plans. Instead of offering me a reasonable repayment amount ( $ XXXX ), their goal was to push my loan into forebearance, allowing them to accrue over {$55000.00} in interest now due. My payments went from $ XXXX to $ XXXX according to their " calculations '', even though my income did not double. I am stuck. Navient owns me. the only way to get out from under their heavy hand is to die. I have written many politicians over the years about this. No one cares. SOMEBODY PLEASE MAKE THEM FORGIVE THEIR LOAN SHARK INTEREST ACCRUALS, AND LET PARENT PLUS BORROWERS HAVE MORE OPTIONS FOR RE-PAYMENT. 
Thank you for bringing this situation out into the open. Navient is a XXXX. They do n't care who they kill.
Consumer complaint received 2023-02-07
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. (CA)

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

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 2023-02-08
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. (MI)

I have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Loans went into repayment in XXXX 2016. Every penny of monthly payment has been applied to interest, nothing to principal. I will never get this paid off through income based repayment if nothing is put towards principal.
Consumer complaint received 2023-02-08
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX 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 2023-02-08
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: Experian Information Solutions Inc. (MI)

I have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.
Consumer complaint received 2023-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (GA)

Notice of Dispute This is concerning Account XXXX : XXXX. I previously sent you a request to validate my debt under the Fair Debt Collection Practices Act, and all I received was a copy of the alleged account information. This does not begin to fulfill my information request and your requirement to provide the requested documentation. Your effort is inadequate and does not meet Federal Trade Commission debt validation guidelines. 
The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. Mere itemization of what you already have does not accomplish my requested debt validation. 
This is my second request. Please provide me with ALL of the following points of information : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my signature stating that I have agreed to assume the debt, Valid copies of the debt agreement stating the amount of the debt and interest charges, Proof that the Statute of Limitations in GA has not expired, Complete payment history on this account along with an accounting of all additional charges being assessed Proof that you are licensed to collect in my state ; and Your license numbers and Registered Agent or Agent of Service. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I intend to take all legal steps available to me if I do not hear back from you.