davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I contacted XXXX XXXX in XX/XX/XXXX when I noted that I was a victim of identity theft based on a hard inquiry on my credit report that I did not initiate. During this communication, they indicated that it was marked as fraud. Once it was marked as fraud they told me it would be removed from my credit report without any further action. 

Today, XX/XX/XXXX, I noted that this hard inquiry remained. I contacted XXXX  XXXX again and after speaking with a CSR, a XXXX specialist, and a supervisor, I was told that they would not be taking care of it, they marked it as fraud, and in order for me to get it removed I was required to send them a letter containing my name, address, telephone number, FULL SOCIAL SECURITY NUMBER, and a copy of my credit report. I reminded them that I was just a victim of identity theft and was not comfortable sending this amount of confidential information in writing and potentially expose my self to identity theft again. I offered to submit and online request or to send a letter without this type of confidential information. The supervisor, XXXX, informed me that there were not other options and if I wanted this corrected I would be required to send this confidential information how they requested. 

It is not appropriate to require a victim of identity theft to send this type of confidential information by main in order to rectify identity theft. This needs to be resolved internally by XXXX XXXX as promised.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2022-01-14
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: SYNCHRONY FINANCIAL (TX)

A LETTER TO REMOVE ALL INACCURATE INQUIRIES FROM REPORTS WAS SENT TO XXXX, XXXX AND XXXX ON XX/XX/2021.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with CAPITAL ONE. The line of credit I have with CAPITAL ONE is characterized as utilization on my consumer reports. CAPITAL ONE IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : CAPITAL ONE credit card, CAPITAL ONE is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( XXXX ) and the person ( CAPITAL ONE ) making the report is NOT INCLUDED on my consumer report Utilization is an experience with the line of credit that was extended between the consumer ( XXXX ) and the person ( CAPITAL ONE ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! CAPITAL ONE HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to CAPITAL ONE expressing my concerns via XXXX tracking # XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I called Navient customer service in XXXX regarding extending my covid forbearance and was told by the company 's representatives that they were no longer offering covid forebearance. I called back and was told that in fact they were, but were told to push borrowers toward interest only payments. I was unemployed at the time. In addition, the covid forebearance broke my consistent payment record, resetting my ability to qualify for cosigner release after multiple years of on time payments. Despite applying multiple times for cosigner release, I was also denied because my credit to debt ratio is too which, largely because of the loan in question. I've consistently received bad information from navient, been unable to change the terms of the repayment of my private loan regardless of my financial circumstances, and still owe close to the original amount borrowed despite a decade of on time payments, covid forbearance notwithstanding. I'm not sure if I qualify for the settlement that was just agreed upon but definitely fell victim to predatory lending practices in 2008 when I took the loan out to pay for a for profit college with low graduation rates. Navient is a predatory company and the loan I took out almost 15 years ago still keeps me from being able to afford to buy a house, and is a significant financial burden.
Consumer complaint received 2023-06-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-01-16
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. (PA)

To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent XXXX previous letters to you, all by certified mail ... ..requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way. On XX/XX/XXXX I sent a dispute to TransUnion to dispute inquiries that was on my credit files that I did not initiate nor authorize .... knowing my rights I demanded they delete them ... .... 
It is now XX/XX/XXXX and they have not deleted the 15 credit inquiries ... ... ... TransUnion has violated my rights on numerous occasions and I demand redress. 

{$1000.00} per violation for the 15 inquiries equals {$15000.00} {$1000.00} per violation for each time I reached out to them after the initial dispute 22 timer equals {$22000.00}
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on my credit report.
Consumer complaint received 2022-01-14
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: WELLS FARGO & COMPANY (WI)

I have submitted a number of complaints against Wells Fargo Bank. Wells Fargo stole my money, lied to government offices, has made me look like a criminal, refused to take responsibility for anything they did to me. Wells Fargo enhanced my identity theft by sending my personal, financial, banking, and family information to someone in a different state. Wells Fargo denies doing this ... .however the identity thieves were arrested the late part of XX/XX/2021. They were arrested AT the address where Wells Fargo claims they did not send my information.. They were arrested WITH my banking information Wells Fargo sent them. Along with my banking information was the email addresses and phone number that were on my Well Fargo account. Wells Fargo lied to protect their own. Wells Fargo lied to government agencies, law enforcement and me. Wells Fargo has refused to reimburse me for my missing money. Then theyaccused ME of stealing it. They sent my personal information to God knows how many people have it. 
Because of theirs lies, I have pending charges against me for something I didnt do. I have credit cards, loans, bank accounts, phones, who knows what else. 
The arresting officer has told me my identity thieves have ledgers of stuff its going to take months to find out whats been opened. How many other people have they done this too? Well... I have police reports to prove my accusations. This has destroyed my life, marriage, health, and family..they lied to save theirs.
Consumer complaint received 2022-01-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (CA)

XXXX XXXX XXXX XXXX XXXX 4 times a day automated and human. Claims I have a debt I have never signed up for. Sent to collections agency. Told them it was fraudulent and they refuse to stop calling or remove my fraudulent debts from their system. As of now I have over XXXX voicemails in process of me deleting and have no account info to delete fraudulent accounts!!!! Its annoying and the lady on the phone says I do owe and HAVE TO PAY OR THEY WILL SEND TO COLLECTIONS!!! Very demanding and intimidating and most of all without a doubt harassing!
Consumer complaint received 2022-01-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

On XX/XX/XXXX I reached out to original debtor pediatric anesthesia associates to advise that they were submitting the claim incorrectly and to resubmit claim with proper billing code. I also reached back out to XXXX the insurer to advise that I was having issues with the company not submitting the claim correctly. Claim was to be resubmitted by XXXX which I was unaware that it never happened. I started receiving phone calls everyday from GLA stating that I owed for a claim that was never submitted correctly. I received a summons XX/XX/XXXX filed XX/XX/XXXX stating they would garish my pay. XXXX finally resubmitted the claim themselves XX/XX/XXXX and paid claim in full. XXXX also reached out GLA and pediatric anesthesia associates to advise the claim was paid in full. GLA is still reporting the paid claim on my credit report and trying to collect full amount. I have disputed collection on XX/XX/XXXX and XX/XX/XXXX both investigation came back from credit bureaus that the amount GLA is reporting for collections is accurate and still owed even though I have submitted the EOB that shows claim was resubmitted and paid in full by XXXX
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Oh, XXXX XX/XX/1982 XXXX XXXX I am filing a complaint about missing accounts that are not showing on my credit report. I have a XXXX and XXXX XXXX And XXXX XXXX that are not showing on my credit report.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am college student that applied for work-study and fell victim to a scam. XX/XX/2022 I was talked into depositing a check of {$1400.00} as a task for my employer. I was then told to send the {$1400.00} to a recipient through XXXX. I did not think much of the request at the time because my so-called employer was under the name/email address of a real professor at my university. The Chase mobile deposit also did not detect anything wrong with the check at the time. On XX/XX/2022 Chase bank realized the check was fraudulent and charged back the {$1400.00} after the deposit was processed. Some Chase representatives old me that they can not help me refund the charge while other representatives told me otherwise.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CT)

This is the email I sent to US Bank : To Whom It May Concern : I have never been late with any company for payments. When I inquired about getting a lower monthly payment with US Bank, I was forced to miss payments to get into the modified loan. However, you stated the 2 late/missed payments ( In XXXX XXXX ) would be removed from the credit report and you have not done that. My credit score dropped XXXX points and is not raising after you changed it to modified agreement. I need the missed payments removed as you promised. I never would have missed 2 payments if you had not told me to to get into the program. I could have stayed current and not messed up my score.

That should not be on me to absorb those 2 missed payments. Please remove those 2 missed payments from the history of the credit report or I will file a complaint with CFPB. Thanks. 

My account still shows a missed payment. I was fooled and ruined my credit. I should have no missed payments on my history. I missed it on purpose to follow what they told me. 

XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SIMMONS FIRST NATIONAL CORPORATION (LA)

I received a quote sheet from XXXX XXXX for a 2.625 % rate home mortgage refinance with XXXX XXXX XXXXXXXX XXXX on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I filled out and signed an application prior to XX/XX/2021. Since that time, I am told XXXX XXXX XXXX XXXX  was acquired by Simmons Bank and I received a new quote with a new origination fee that was not on the prior quote. During the acquisition by Simmons Bank, no loan officer would respond to any email or phone call for 21 days. Over the last four and half months, I have had 7 rounds of lengthy document requests ( averaging 20-30 documents per request ). Many of these documents I have provided 3 times as I am told they are now out of date. The typical pattern is I receive a document request and it takes 5-7 days to round up the 20+ documents to submit. I hear nothing for 2 weeks then there is a follow up request for supporting documentation which takes 5 days to round up and submit. After another 2 weeks of hearing nothing, I am told all bank statements + P & L 's + other documents are out of date and we need to start over. I have done this cycle three times and have hundreds of emails to prove it. During the last four and half months, mortgage rates have increased a full percentage point and there is no end in sight for the continual document request cycle. 

I do not understand why interest rates lock for 45 days but after 135 days I have not been approved for closing or denied, and I have now lost the favorable rate environment where I could have applied to another lender.
Consumer complaint received 2022-01-14
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. (FL)

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account ( XXXX XXXX  XXXX and XXXX ). Because the accounts being reported by your company, transition, XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2022-01-13
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-08-22
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. (GA)

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

I looked at my credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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 2022-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2021 I sent from my digital wallet a cryptocurrency named compound ether to my coinbase exchange wallet in the amount of XXXX XXXX ( valued over XXXX usd at the time ) so I could withdrawl. I waited over an hour and it never showed up in my coinbase exchange wallet. That same day I emailed coinbase and explained my problem and email after email all the responses were That cryptocurrency is not supported on coinbase and that my tokens are lost and they kept referring me to the user agreement with language basically saying its my fault. But the transaction went through and it is on the digital ledger and they wont help me and they will not return the currency from its origin. Its not right that a transaction can go through without warnings saying your tokens maybe lost and coinbase refuses to help or send back the coin that is basically stuck in limbo on thier servers. Please help, Ive been on many XXXX pages with numerous customers that endured the same hardship that I am currently going through.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

I recently pulled my reports and noticed you are reporting the numerous account numbers and various open dates for this account XXXX XXXX XXXX XXXX and XXXX ). Because the accounts being reported by your company, XXXX, Equifax and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

On XX/XX/XXXX, my cash app debit card number was used in various parts of the world most transactions declined, however one transaction for {$120.00} was successful in XXXX. I immediately contacted Cash App support that same day on XX/XX/XXXX. I was told it could take 45 days in to be on the lookout from customer service reaching out via email for more information. None of that has happened since, and I still have not received my money that the scammers stole from my account. I have contacted Cash App twice since then, today XX/XX/2022, being the latest and every time I reach out to customer service, they say it will take 45 more days and that I will receive an email and maybe I should double check my email next time. This application is fraudulent and does not protect users by any means.