davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-09-03
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. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXXXXXX XXXX XXXXXXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

I applied for a personal loan with PENFED CREDIT UNION and i was declined for reason that are not true, several of my colleges in sale and bank institution told me there's no reason to be declined i have XXXX credit score XXXX  credit history, 1 % credit card used house pay-offf, XXXX  vehicles pay off in history,,, no debt what so ever i have history of payment on personal loan it makes no sense to be declined ... 
there are discriminations that's what that is there's no reason to be declined i im going to take this to this all the way this is not legal
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (WA)

I currently have a loan with NewRez. On XX/XX/2020, I applied to refinance my mortgage with XXXX.. Over the course of the past six months, I have provided documents within 24 hours of them being requested. When I have repeatedly emailed or called asking why my refinance has not been completed, I don't get a response from NewRez. One time I got through to a person connected to my existing loan and she told me it should have taken 2-3 months. Since that time, I have provided one more paystub and the closing date has been put off several morel times while my new paystub is " pending review. '' Last weekend, I went online to look up reviews on XXXX and I saw that there are many people in my situation getting the same run around.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (FL)

Pursuant 18 usc 8 code, I do not owe any debt to these companies an have written 5 letters to each credit agencies, they are violating my consumer rights to privacy, An I would like each account removed immediately please
Consumer complaint received 2021-04-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I made a mortgage payment to XXXX XXXX ( {$1900.00} ) through Wells Fargo XXXXXXXX XXXX. The check was deposited on XX/XX/XXXX. XXXX XXXX says it is not them who received and deposited the check. On the back of the check it says " XXXX, XXXX '' is the company who deposited the check. Since XXXX XXXX did not actually get the check, my mortgage payment was late and remained that way for a few months ( which has negatively affected my credit ). I called Wells Fargo and they stated, " There is no way we would allow another company to deposit a check that was not meant for them. '' After many, many more phone calls, and XXXX XXXX investigating and determining they did not receive the payment, I contacted Wells Fargo again. They investigated and said that someone deposited the check ... .duh ... They then proceeded to tell they would send me an Affidavit that I needed to sign and I needed to have XXXX XXXX sign affirming that they did not receive the check. I never received anything in the mail. After 3-4 times of me calling Wells Fargo to say I never received an Affidavit, I finally got one in the mail on XX/XX/XXXX. I took it to XXXX XXXX on XX/XX/XXXX, got it signed and notarized and mailed it back to Wells Fargo on XX/XX/XXXX. When I called to see if they had received it, they said they got it on XX/XX/XXXX. I called to follow up today, XX/XX/XXXX and they are " still working on it. '' I have had it and want my {$1900.00} returned to me. I have since paid my mortgage payment so I am no longer delinquent. Wells Fargo said at this point when they finish their investigation, they will refund me directly.
Consumer complaint received 2019-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NJ)

For 2 months I have gotten harassing emails stating there is a balance on my account when in fact I'm paid up and and head of schedule. When the first appeared I called customer service to ask about it and the representative could not say why and said a supervisor would get back to me. No one ever did. 

When the second arrived earlier this week I emailed instead to have something in writing and I was told I get the notice because the balance is there but not due. That does not make sense at all. Why all of sudden is a notification being sent that specifically says there is a balance? Of course this is alarming to anyone who takes their financial security seriously. I pay my bills on time and have from day XXXX. I do not understand this intimidation tactic. 

Additionally, they refuse to give details as to why I am ineligible for an interest rate reduction when I have a spotless payment record.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX $ XXXX XX/XX/XXXX under the account number ( private ), an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX {$11000.00} under the account number ( private ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (PA)

AFNI is the caller ID that shows up when I receive a call. Consistent calls everyday. When I answer and say hello no one ever says anything then they hang up. 

When not answered they dont leave a message either. Its super frustrating. Im not even sure exactly what theyre calling for.
Consumer complaint received 2019-01-08
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. (TX)

Credit Bureau is reporting fraudulent information to my credit report that does not belong to me. Per the Federal Fair Credit Reporting Act it's illegal to report information that belongs to somebody else, on some one else credit report.
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

i called chase spoke to a nasty woman in disputes told her the XXXX on my card XXXX was for dog flea collar unopened XXXX  refuses to credit. 
i told her its likely the worker but i wont be out XXXX dollars she asked if receipt said it cant be returned i said no then when i mentioned i have legal knowledge she offered to transfer me i told her no. WHY do this WHY not help a valued customer? its XXXX bucks. 
i have been a customer many years i called since i received no paper in the mail why be treated this way? i did try to resolve with XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

I tried for the 1st time to CANCEL my account XX/XX/2018 @ XXXX XXXX. CANCEL XXXX is the subject line. I got a confirmation. I will still being billed and called and was told it'd take a month or two to correct and refund. 

AGAIN XX/XX/2018 @ XXXX I sent a follow-up email. " asked that my account be canceled on XX/XX/18 and I am still being billed. Please refund my hard earned dollars as of that date '' AGAIN I told it'd take two months however ALL my monies would be returned. HOWEVER THEY ARE STILL STEALING MONIES MONTHLY FROM MY ACCOUNT. 

I call monthly. Last month my account was overdrawn! I go onto the site to get the phone number and call and I get the same response it'd take two months. Two months has turned into OVER 6 MONTHS of billing.
Consumer complaint received 2021-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I have contacted Fedloan Servicing repeatedly about my students loans as they are miscalculating my PSLF payments. I have spent hours on the phone and emailing, but I get contradictory information and they still refuse to answer basic questions or track my payments accurately. I worked for a qualifying employer from XXXX. I made payments on my loans during this time. I submitted an Employment Certification Form ( EFC ) twice to Fedloan Servicing. They lost the first form, and I had to speak to a manager to get them to look at the second form. At first, they claimed I consolidated in XXXX, so payments in XXXX wouldn't qualify. Now they claim I was not on an eligible repayment plan, but they can not tell me what plan I was on, and I was on a qualifying plan ( either income-based or standard ). I went to graduate school, graduated, and then worked for a qualifying employer from XXXXpresent. I want my prior payments counted by a high level supervisor like before. I want them to check to see what repayment plan I was on from XXXX. They were not my loan servicer then, which is probably why they are doing such a terrible job tracking payments and repayment information from that time, but that does not excuse robbing me of credit for four and a half years of payments.
Consumer complaint received 2021-04-27
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. (CA)

There are 7 accounts that are on my credit report that I have been disputing with the bureaus and the furnishers since XXXX these accounts are not mine and they do not belong to me I need to get these accounts off my credit asap. I have filed for FTC I have a notarized identity theft affidavit but nothing is being done about this. 

XXXX  XXXX XX/XX/XXXX- XXXX  {$0.00} XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX XXXX XXXX - XXXX {$19000.00} XXXX XXXX  - XXXX {$11000.00} XXXX XXXX  - XXXX {$5500.00} XXXX XXXX - XXXX {$5500.00} XXXX XXXX XXXX  XXXX  - XXXX {$6200.00} Inquiries XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXL XXXX XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

I stayed at XXXX XXXX XXXX House in XXXX, XXXX for one night. We checked in on XX/XX/19 and checked out XX/XX/19. I prepaid {$500.00} for the room on XX/XX/19 ( non-refundable ). When we arrived I was told to sign the receipt for a {$430.00} deposit for " keys, minibar, damages ... '' After returning home I discovered that this business had no intention of returning my deposit and in fact steals deposits from people world wide. I received many nasty messages from the owner, one of which stated I would receive my refund in 3-14 working days. I never received the refund. 

This owner changes his lies as he goes as to why I will not receive my refund. The first was that I used the mini bar. There is no mini bar. I then contacted Chase to dispute this charge. As you will see in documents attached to this complaint, his lie to Chase was that the {$430.00} was the cost of the room, not the deposit. It even says on a document provided to Chase by him that the {$430.00} was for a deposit. I provided Chase 33 pages of proof, including the receipts for both the room charge and the deposit, bank records, messages from the owner that he was simply going to steal my money and much more. Chase has denied by dispute and has recharged my account for {$430.00}. When speaking to them on the phone they said they simply did not consider anything in the 33 pages I sent them. They said if a merchant charges someone, they make them pay, right or wrong.

I have attached copies of all of Chase 's letters to me as well as many of the 33 pages of documents I provided them, as requested. I can and will provide affidavits or anything else required to prove that Chase should refund my money stolen by this merchant.
Consumer complaint received 2018-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

SW Credit System opened a collection against me for the amount of {$570.00}. I never received a call from this company regarding this debt. They opened this account at XX/XX/2018 and then reported it two months later.