davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . In addition to these fraudulent accounts I've noticed several hard 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
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX Last reported XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2017-05-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (WV)

I unfreeze my credit on  XXXX  to apply for a house and this collection account shows up on  XXXX / XXXX / XXXX   one  day later. I have received no formal notice of debt from this collection agency or whatever the original company is. No one has contacted me from this collection agency. This appears fraudulent because I have health insurance and an  XXXX  at work I could have paid this from.     Date Reported :  XXXX   XXXX ,  XXXX  Original Creditor Name Date Assigned Original Amount Owed Amount Status Date Status TRANSWORLD SYSTEMS INC  XXXX   XXXX ,  XXXX  {$350.00} {$350.00}  XXXX   XXXX ,  XXXX  UNPAID Balance Date Account Designator Code Account Number Creditor Classification Last Payment Date Date of First Delinquency  XXXX   XXXX ,  XXXX  INDIVIDUAL_ACCOUNT   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX
Consumer complaint received 2017-08-18
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. (GA)

I have contacted ( and made disputes ) with Experian several times about a Fraudulent account appearing on my credit report. Every time I do a dispute with Experian comes back stating that the account has been " verified '' and the debt is mine. Which is completely false. Experian has not provided me with any proof of their investigation or proof that the debt is actually mine. The account in question is ... .. XXXX XXXX XXXX Account Number : XXXX ... ... .. I would like to see signed proof that I opened this account and the debt is mine. It will be impossible to furnish that proof because I have never done any business with this company.
Consumer complaint received 2016-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (TX)

My loan is serviced through MOHELA and is at a 9 % interest rate. In XXXX, XXXX, I called to inquire regarding my high interest rate and possible options to lower payments, etc.. I was told that I 'd been charged incorrect interest since the loan originated ( XX/XX/XXXX ) and to " hold off payments '' until MOHELA 's accounting department could reconfigure my balance. On XXXX/XXXX/XXXX, I received a letter that my terms had changed to 8.17 % and balance reduced from {$36000.00} to {$23000.00}. This reduced my payment significantly and I made many financial decisions based on this information. I proceeded to make a home purchase, my credit improved, and I took a new job in another state. Subsequently, on XXXX/XXXX/XXXX, I received another message from MOHELA stating that the terms had been CHANGED BACK ( 9 % interest rate ) and my balance had actually gone up because they 'd put my loan in forbearance while their accounting department calculated what my new payment would be at 8.17 %, etc.. In calling MOHELA, I was told that the original person who 'd given me the information " had been XXXX '' and could not be reached. I then spoke with multiple supervisors in Customer Advocacy. " XXXX '' is my primary contact and states she is " trying to get Senior Leadership to do something but having a hard time ''. I 've gone weeks at a time without receiving a call back and it has taken hours of my time to try to get this resolved. I am a XXXX working at a XXXX and do n't have time in my day to constantly try to get an answer. I feel like I 'm being ignored and it seems unethical and illegal that a financial institution of any kind could change one 's loan terms on a whim. I made financial decisions for my family based on information received, only to have them change it back " because we made a mistake ''. The change in terms was in writing and they should be held accountable. I understand I have an obligation to pay my loan, but MOHELA has an obligation to provide accurate information and abide by the terms they provided me on XXXX/XXXX/XXXX. I encouraged them to utilize their " mistake '' for future training of employees or in looking at their processes. XXXX and financially, I was so relieved to hear that my balance had been reduced and that I would be able to meet some financial goals I 'd been pursuing. For MOHELA to make such changes on a whim, without this in consideration, is completely unethical. Something NEEDS to be done.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (NJ)

I found that US Bank opened a fraudulent credit card account under my name for a thief, who somehow stole my SSN and maybe DOB. As the thief also reported a brand new address, which does n't match any of existing addresses in my credit reports, US Bank should conduct more rigorous underwriting process and due diligence, require proofs of the new address and contacting me at the address that is listed in CR 's. They also should be surprised ( and stopped ) by total absence of any mortgage for this new property and seeing that my existing mortgage for the CR listed address is not paid off ( like if thief told them that he moved ). This negligence makes US Bank an accomplice in the Identity Theft.
Consumer complaint received 2017-08-18
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. (CA)

I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : 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 Thank you
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! 
Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}
Consumer complaint received 2016-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (MI)

Chase Bank told me I owed over Five Hundred dollars from past accounts and if I wanted to open a new account, I must pay the past due amount. They then requested my current address information and sent me an email confirming the new address update. I told the representative that I filed bankruptcy and the old accounts were included. He replied that in order to open the new account I had to pay off balances from the old account.
Consumer complaint received 2017-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have noticed unauthorized inquiries on my credit report. The inquiries are listed below : 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 Thank you
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (SC)

I received an offer from Chase credit card to transfer a balance with zero interest for XXXX months. On XXXX XXXX, XXXX, I applied for a balance transfer to pay off my XXXX XXXX card. Balance transfer was not approved but they said I qualify for {$3500.00} credit line and that they will send me my new Chase credit card in the mail. After about two weeks I received the card but did not activate it since I did not need another credit card. 

Next thing I know, I received a XXXX XXXX statement in the mail on XXXX XXXX, XXXX stating that a balance transfer was made in the amount of {$3300.00} to XXXX XXXX. I called their customer service number and spoke with a " XXXX '' explaining that I did not like it and did not authorize the balance transfer. I said I do not want to be making extra payment on another card that I did not open. I asked " XXXX '' to reverse the transaction because I believe this will affect my credit report. 

Well, transaction was not reversed so I called again to complain and spoke with " XXXX ''. She said that " XXXX '' messed up by reversing a wrong transaction ( which was not my fault ) and it was already too late to reverse it after so many days. I told " XXXX '' that I should not be responsible for their mistake and feel that they should " eat their '' mistake and consider it as a gift. Trying to be fair, I said, I will pay them back the amount transferred minus transfer and late fees. " XXXX '' said that I have until XXXX XXXX, XXXX to pay it off, but after that date, there will be interest assessed. 

This is wrong, since after they did what they did, it adversely affected my credit score. I feel like I do n't owe them anything anymore after the damage they did to my credit. Remember, I never authorized the {$3300.00} balance transfer and never activated the credit card that was sent to me. Is this not a fraudulent act?
Consumer complaint received 2016-12-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (ME)

In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.
Consumer complaint received 2016-07-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? thanks.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

We had a tornado damage our house on XXXX XXXX, 2016. Our insurance company sent us a check within a few days. The check was made out to us and the mortgage company, PennyMac. We signed the check and forwarded it to PennyMac. We have had numerous contacts with PennyMac and are still trying to get the money to pay for materials and the labor needed to do the repairs. They told us my husband could act as a general contractor and not have to worry about the XXXX and all the other paperwork. We sent in paperwork saying he would be paying all the bills and there would be no liens or any other attachments on the property. Now they say that wo n't work and the work had to be started before that would be acceptable. We ca n't begin the work because they wo n't give us the money to finish paying for the materials. I have n't even ordered the new door because we are having so much trouble getting the money to pay the bills.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: MARINER FINANCE, LLC (FL)

Mariner finance keeps calling my job and telling my employees they are going to repossess a car that is n't under my name. I call them back to inform that they have to stop. Along my job and giving my personal information out. The guy answered back that if I wanted to play games I could.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (TX)

The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MA)

To Whom it may concern, I 'm submitting a complaint as American Express is using unfair and deceptive practices as it relates to the issuance of Medallion Qualification Miles ( " MQM '' ) SkyMiles on their Delta Reserve Card. American Express claims to give XXXX MQM SkyMiles at XXXX different spending levels on their Delta Reserve Card ; a benefit for which they charge {$450.00} a year. They claim to issue XXXX MQM SkyMiles once {$30000.00} of total spend is reached, and another XXXX MQM SkyMiles once another {$30000.00} is spent for a total spend of {$60000.00}. However, the " Total Spend '' section of their website, which is the only place to track total spend, is according to American Express, not accurate. In my case, I tracked my spending for the entire 2016 year in order to meet the {$60000.00} threshold, and reached {$60000.00} in " Total Spend '' according to their website. When no MQM SkyMiles were issued, I contacted American Express and was told that although the website showed over {$60000.00} in total spend, that the actual amount was approximately {$57000.00} as the website included the $ XXXX in interest that American Express charged me, and those interest charges were not considered part of the " Total Spend ''. The only place to track spending is under " Statements & Activity XXXX Year-End Summary '' and it is labeled " Total Spend '' with no other disclosures or stipulations to indicate otherwise. As American Express is representing this amount on their website as the total spend for the year without stating, even in fine print, otherwise, it should uphold its agreement to payout the XXXX MQM SkyMiles as stated.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Rewards — 
Company: Bread Financial Holdings, Inc. (CA)

I am a XXXX XXXX cardholder. With the merger with XXXX, XXXX offered me 30 % more points via an emial campaign if I converted my credit card airline miles over to XXXX points. I researched both airlines flight offers extensively. It was XXXX points or {$560.00} to get a round trip airline ticket from XXXX to XXXX on XXXX with my points. On XXXX, it was {$470.00} ( it did not give me a point option because i did not have enough points. ) Believing XXXX would give a fair and simliar value for my credit card rewards, I took advantage of the offer and converted all of my XXXX points to XXXX XXXX. XXXX XXXX is now charging me XXXX points for a round trip ticket from XXXX to XXXX. This is unacceptable, unfair and deceptive advertising practices and the XXXX XXXX credit card mileage conversion program should be investigated heavily.