davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (MA)

I hired XXXX XXXX XXXX. So far since XX/XX/2022 they've settled only XXXX of XXXX and are in process with a second now. The third is XXXX. XXXX owed. They have summoned me to court they threatened to XXXX my house. My daughter is on it too that will effect her! They want all of the money and I can not do anything about it. I don't have it. I don't have a car and this fdr should have settled this for me. But they didn't. Their " legal '' department is doing nothing they want the money too.
Consumer complaint received 2023-05-05
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. (AZ)

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (CA)

All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from XXXX and Equifax that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when Im reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources Equifax XX/XX/XXXX confirm # XXXX XXXX  XXXX and XXXX XX/XX/XXXX report # XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (PA)

I sent an offer to purchase a camera on the site " XXXX '' for a total of {$1400.00}. The seller said to send them a payment through a banking service called " Zelle '' ( this is the email linked to their zelle account : XXXX ). Because there is a {$1000.00} limit per 24hrs on Zelle , I sent {$420.00} to see if the amount deposits. The sender said the XXXX went through. So I sent the other {$1000.00}, but the {$1000.00} they claim did not go through. They created multiple fake bank screenshots saying they did not receive the money. They went out of their way to create fake shipping labels to buy time, and tried to get me to send another {$1000.00} to another account ( other fraudulent Zelle account : XXXX ), claiming the original {$1000.00} I sent was going to be returned to me through Zelle within 3 business days because their bank was limiting them {$500.00} deposits per 24hrs. After 3 days past, I got nothing. This communication started on XX/XX/2023 and currently is still on going. I called Zelle numerous times and they claim all funds sent out from me went through and that the account receiving the money is linked to a XXXXXXXX XXXX not XXXX XXXX XXXXXXXX as the screenshots showed. I have all the text messages, screenshots, and XXXX account info. I reverse looked up the seller 's email and it says the account was created in South Carolina, even though the seller is from Utah. The seller is not who they say they are and more than likely using someone elses account without their knowledge. Another user also said, the same thing occurred to them and that they were scammed {$1000.00} dollars and shown fake labels and receipts. My phone # XXXX. Email : XXXX. Please let me know what else I can do to try and help out and get my funds returned, as this would qualify as a P2P transaction. Thank you.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In early XX/XX/XXXX we received a statement showing a payoff amount and due date of XX/XX/18. XXXX XXXX   proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XX/XX/XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.

This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
XXXX
Consumer complaint received 2023-05-05
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. (MN)

I closed a credit card with XXXX XXXX in XXXX XXXX   after they upgraded my card to a type I didnt agree on. 

The balance was {$0.00} and had XXXX pending items when I closed this account. 

In XX/XX/XXXX. They had reported that my balance was {$1.00} and that I am past due. 
This is incorrect as my balance was XXXX and the account was closed XXXX XXXX has never sent me anything for this account. My login is inactive and when I call them and provide them with the account they say my balance is {$0.00}.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (WV)

XXXX XXXX XXXX {$1000.00} This is an old debt that was unpaid due to company not accepting payments. Sent product prior to any payment made. I understood it was a payment plan. They wouldn't accept a return. 
Above company continues to attempt collection and it remains on credit report. 
No info on original date it occurred.
Consumer complaint received 2023-05-05
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. (FL)

I pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted Transunion, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.
Consumer complaint received 2023-05-05
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 — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching XXXX via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give XXXX last chance to XXXX to sort this out. Lets see
Consumer complaint received 2023-06-30
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. (AR)

I am sending my complaint to notify you about the wrongdoing of the 3 credit bureaus. They are violating the FCRA Law by reporting the inaccurate information. The fact is, it was really affects my financial standing. The Bureaus are required to remove the items, but they failed to remove. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise remove these items immediately : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

please see my 2 previous 2 CFBP complaints which have never been resolved and I still do not know how my payments are being applied. this was to be a 15 year amortizing loan. It appears as though the CFPB is absolutely not help in this getting this straightened out. Who else do I go to? HUD? As a mortgage professional I expected the CFPB would assist in my complaint against Truist since they took over my HELOC from Suntrust. Complete disappointment in the CFPB complaint system. I thought it was there to give consumers protections and answers. 

complaint # XXXX complaint # XXXX
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (OH)

XXXX XXXX added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. XXXX or XXXX XXXX added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. Great Lakes should have caught this error. I am requesting that you all forgive the whole total balance due to XXXX and XXXX XXXX 's fraudulent activity and Great Lakes ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX XXXX University in XXXX and did not attend XXXX  XXXX University until XXXX. Please see the attached file for documentation.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter to Experian, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} Charge Off : XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-02-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

I have contacted Navient on multiple occasions about lowering my payments because I can not afford to live. They refuse to work with me and tell me there is nothing they can do. Payments in excess of {$800.00} a month to them is acceptable for a single woman making less than 50K a year, 23 % of my gross monthly income. I cant afford groceries or anything else in my life and they just do not care. They offer me forbearance so they can rack up more interest at 8.5 %. They are the worst, most unfriendly and unhelpful company I have ever worked with in my life. They do not care about their customers and do absolutely nothing to try and help them.
Consumer complaint received 2023-06-30
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX DOB : XXXX Todays Date : XX/XX/XXXX In accordance with the Fair Credit Reporting act. 

The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  ACCOUNTS : 1 ) XXXX XXXX XXXX XXXX  : ( ALLEGED ACC XXXX XXXXXXXX ( DATE ALLEGED OPENED XXXX XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 2 ) XXXX XXXX XXXX : ( ALLEGED ACC XXXX XXXX XXXXXXXX ) ( DATE ALLEGED OPENED : XX/XX/XXXX ) ( ***VERFICATION OF DEBT REQUESTED ) ( NO RESPONSE 60 DAYS ) ( DEMAND IMMEDIATE DELETION ) 3 ) XXXX XXXX XXXX ( ALLEGED ACC XXXX XXXX XXXX ) ( DATE ALLEGED OPEN : XX/XX/XXXX ) ( ALLEGED ORIGINAL CREDITOR : XXXX XXXX ) ( ***REINVESTIGAION OF DEBT REQUESTED ) ( NO RESPONSE 45 DAYS ) ( DEMAND IMMEDIATE DELETION ) 4 ) XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED : XXXX  ) ( ALLEGED LATE PAYMENT DATE : XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 5 ) XXXX XXXX XXXX  ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX  ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) 6 ) XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) ( OPENED:XXXX ) ( ALLEGED LATE PAYMENT DATE : XXXX XXXX ) ( REMOVE THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT IMMEDIATELY ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-30
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$240.00}, XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-06-30
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. (DC)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2023-06-30
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. (GA)

I put in a dispute was put in with Transunion on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that Transunion was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.
Consumer complaint received 2023-06-30
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$14000.00}.