davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-20
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: Nelnet, Inc. (TX)

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX ( math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Consumer complaint received 2020-12-20
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. (NY)

The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Consumer complaint received 2020-12-20
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I tried to sell used furniture on XXXX, and someone contacted me that he is interested in the furniture, he paid me an e-check ( {$640.00} XXXX through e-mail and ask me to deposit on the mobile phone, the check is cleared the following business day, and the buyer wants me to buy a visa gift card ( {$350.00} with {$5.00} activation fee ) to pay for the mover, the money has already covered in the e-check the buyer sent to me in the first, I bought the gift card and contact the mover to schedule the pickup, the mover process the card and said they will be the pick-up location in an hour, after two hours the person who sent me the check said he wants to cancel the deal and ask me to send part of the money-back ( {$250.00} XXXX through XXXX pays to his brother-in-law 's account, and cancel the deal. I paid the amount to cancel the deal, and the third business day, my bank notified me that they can not locate the account and return the money back, and charged me for NSF {$12.00}. In total {$610.00} lost. 

I double-checked with my bank about the validity of the check and they confirmed the check is cleared, that's why I can process the following steps. Suddenly, the bank told me that they can not locate the account and return the check without any further description. 

People related in the case : People contact me for the deal : XXXX XXXX XXXX XXXX cell phone number : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX People send me the e-check : XXXX XXXX XXXX People I refund the money back : XXXX XXXX XXXX People tried to schedule the pick up : XXXX XXXX
Consumer complaint received 2020-12-20
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. (CA)

Iwas a victim of identity theft 5 accounts were opened during XXXX. I was in a Ca. XXXX. XXXX  XXXX XXXX. XXXX XXXX from XX/XX/XXXX until I XXXX  on XX/XX/XXXX. I sent all requested papers, pictures etc. that the involved companies asked for to show them my exact whereabouts during these fraudulent acts. Sent the companies the evidence 2 seperate times. 2 of the companies still have not removed the incorrect statements or recalculated my credit score to reflect the proper scores. XXXX XXXX  and XXXX. have not deleted the fraudulent activity on my report. Additionally I requested copies of all account applications, transactions, payments or anything they had recieved in regards to the accounts that were opened during XXXX while I was XXXX  in a Ca. XXXX XXXX. It is very sloppy, unproffesional and almost seems intentionally vindictive to me that these 2 companies have recieved what information they deemed satisfactory to correct this issue and still they won't correct my report! 3 companies have corrected this but XXXXXXXX XXXX and XXXX XXXX stilkl haven't done not only what is fair and just but what they said they would do.Believe it or not I have many other things I need to be doing.
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (VA)

My Barclays XXXX account was closed. I was notified via a letter dated XXXX/XXXX/2016. The letter referenced the reason was " history of account usage. '' I did not, to the best of my knowledge, violate any published terms and conditions, and my account was always paid in full. While I understand Barclays may close accounts if it sees fit, I lost earned award points. In contacts with Barclays they have been unwilling to credit my account with the rewards.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : Ability recovery services opened on XX/XX/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  Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items.

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CO)

Recently my mom asked me to purchase her home as she was moving in with my sister ( XXXX  ). Keeping the home in the family was her wish so we agreed on these terms : sale price was $ XXXX, of which she would get $ XXXX, my wife and I were to get $ XXXX to clear debt and accomodate new loan. I went through Loan Depot as a 2nd time customer and clearly explained these terms to him repeatedly over the course of 7 weeks. He replied back on XX/XX/XXXX, in a very condescending manner that he explained to me " many many many times I was getting what I want ''. Still have the email. 
Three days before closing I get an email from him ( XXXX XXXX ) to the affect of " wait, we can't do that, it's against the law '' " you can't get cash out on a purchase '' etc. I don't pretend to know their industry, I made a request and was told repeatedly it could be done. 
In addition to this, at the closing, we found out that we're paying mortgage insurance to the tune of {$100.00} a month. On my mom 's home, at a severely discounted price ( $ XXXX was agreed upon, and it appraised at $ XXXX ).
Consumer complaint received 2019-12-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

In XXXX, I purchased 3 money orders for {$990.00} each, total {$2900.00}. I delivered the money orders to the payee like usual. The payee proceeded to take the money orders to his bank ; however, the address portion of the money order was left blank by mistake, so 2 of the 3 money orders were returned and marked for fraud, while the other was put on hold by said bank. After contacting western union numerous times between XXXX and XXXX to try and resolve the issue ( for which I do not have the dates ), on XX/XX/2019 they directed me to go to the XXXX that I purchased the money order at because they placed a void on the money order, and they would be able to give me a refund or a reissue of the money order and to call back once I was there. Approximately XXXX on XX/XX/XXXX, I went to XXXX and called the money order service line as prompted, and the customer service representative instructed me to have the store call them to confirm that they were an agent. XXXX has a policy that says they can not call or do virtually ANYTHING without a physical copy of the money order. I did not have either parts of the money order because 1 ) the top part was shredded by the bank 2 ) the bottom part was submitted for a tracer request. Despite this being the case, the XXXX manager called anyway. When she called around XXXX, the operator at western union told her she didnt have to confirm anything. I called back and was once again instructed to have the store call to verify. Once she called again, she was told the same thing, she doesnt have to verify anything. I explain to the XXXX manager that the reason western union sent me to the store is because western union said that XXXX has put a void on the money order. The lady explained that once the money order is sold, there is no more contact between them and the money order, and that there was no way for them to even try and put a void on the money order. Ive Been running in circles and Ive hit multiple dead ends. I just need a solution. Ive attached legal photocopies of the original 3 money orders, as well as the email from the bank manager of XXXX XXXX XXXX  in XXXX, Ga XXXX to the payee about the money orders.
Consumer complaint received 2019-12-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

My loan was transferred to this company in XXXX, 2019. I usually make my payments by the XXXX. One month when paying my mortgage, I noticed that if payments are not made by the XXXX there is a {$5.00} fee. If paid the XXXX thru the XXXX, the fee is {$10.00}. If paid the XXXX thru the XXXX, it is {$15.00}. I reached out to the company as this was not in my original loan terms. Per the company, this is a late fee. I feel that this a disguised late fee. If it were a processing fee it should be the same amount no matter when it is paid. There is a late fee if paid after the XXXX, which is understandable. I would appreciate your assistance in this matter.
Consumer complaint received 2019-12-10
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. (UT)

XXXX  XXXX XXXX # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.
Consumer complaint received 2019-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc. (GA)

I am unable to give the amount owed, which is why I am contacting you. Atlantic Credit Financial does not have a website or method of keeping the consumer informed about the balance of the remaining debt. They are difficult to contact or at least I have been unable to contact them on this day XX/XX/2019. 
I will try again tomorrow and if I am unsuccessful I will stop payments from my bank account ; after-all who wants a continuing bill for life. What should I do about this?
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 2900 Clinton, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report XXXX XXXX XXXX XXXX XXXX  Dear CFPB Representative, I am writing to formally lodge a complaint concerning inaccurate and unverifiable information that is currently listed on my credit report under the account XXXX XXXX Account Number XXXX. This complaint pertains to the information reported by XXXX and Equifax. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I am entitled to a fair and accurate credit report. I have noticed several discrepancies and errors in the way this account is reported across different credit reporting agencies. Details of the account information are as follows : XXXX : XXXX High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off as bad debt o Dispute Status : Dispute resolved; customer disagrees Equifax : XXXX High Balance : {$640.00} o Date of Last Activity : XX/XX/XXXX o Date Reported : XX/XX/XXXX o Date Opened : XX/XX/XXXX o Balance Owed : {$640.00} o Account Status : Closed, Collection/Chargeoff o Payment Status : Charged off account o Dispute Status : Consumer disputes after resolution These discrepancies, particularly in the reporting dates and the account status, lead me to believe that the information being reported is inaccurate and potentially damaging to my credit score. Moreover, there are conflicting records between the agencies, which further supports my claim that the information provided by the creditor can not be verified. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that under the FCRA, you are required to recheck these items with the creditor who has posted them. If the creditor is unable to verify the accuracy of the information, it must be removed from my report. 

Additionally, I am requesting that you ensure compliance with the 30-day reinvestigation requirement as mandated by 15 U.S.C. 1681i ( a ). Please remove any information that the creditor can not substantiate within this time frame. 

I trust that you will treat this matter with the urgency it requires and ensure that my rights under the FCRA are fully upheld. Please provide me with written confirmation once the inaccurate information has been removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

THIS IS NOT A DUPLICATE On XX/XX/year>, I received a letter from XXXX stating that they had completed an investigation into the collection account with XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX, and that the investigation verified the debt. However, it is clear that XXXX did not complete a thorough investigation for several reasons : Inaccurate Spelling of My Name : XXXX does not have the correct spelling of my name, which I have provided them through my previous communications and complaint submitted to the CFPB on XX/XX/year>. The continued use of an incorrect spelling demonstrates that they did not accurately or thoroughly review the information I provided. 

Failure to Provide Requested Documentation : I requested specific information from the debt furnisher, including the contract assignment, which has not been provided to me within the 30-day period as required by law. There is no way that XXXX could have verified the inaccuracies reported by the debt furnisher without this documentation. 

Legal Violations : Fair Credit Reporting Act ( FCRA ) Violations : Section 611 ( 15 U.S.C. 1681i ) - Procedure in Case of Disputed Accuracy : XXXX failure to conduct a thorough investigation and their verification of the debt without receiving the necessary documentation from the debt furnisher constitutes a violation of the FCRA. This section mandates that if a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable investigation and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. 
Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) - Requirement for Reinvestigation : Since the proper documentation was not provided to me within the 30-day period, XXXX can not legally claim that the debt was verified. Therefore, they are obligated under the FCRA to delete this account from my credit report.

Section 605 ( a ) ( 15 U.S.C. 1681c ) - Requirements Relating to Information Contained in Consumer Reports : XXXX is required to report only accurate information. The continued presence of this collection account, despite its inaccuracy and the failure to receive the requested documentation, is a violation of this provision. 
Falsification of Investigation Results : The fact that XXXX claims to have verified the debt without receiving the necessary documents suggests that they have falsified the investigation results. This is a serious breach of their legal obligations under the FCRA and further supports the need for immediate deletion of the account.
Consumer complaint received 2019-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-12-20
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX, my XXXX account was hacked. 3 credit cards on file were compromised ( 2 cards were mine, one belonged to my father ). I noticed unauthorized charges on my 2 cards, reported them to fraud divisions at Citibank and XXXX, cancelled the cards and closed my XXXX account. I also recently filed police reports and a report with identitytheft.gov. 
My Citibank Diamond preferred card had 2 unauthorized charges on it, one for {$420.00} and one for {$410.00}, both made on XX/XX/XXXX. 
According to XXXX, the merchandise was delivered to my home on XX/XX/XXXX, therefor Citibank closed the case and did not reimburse me or investigate any further. I DID NOT make the 2 purchases, nothing showed up on my XXXX account showing these purchases, and NOTHING was delivered to my home ... I DID NOT receive any merchandise. 
Upon speaking with XXXX, they revealed the first name of the person who made the purchases. It was not me or anyone I know. I have an email from XXXX confirming that this purchase did not come from me or my account. Citibank is ignoring this information and is holding me responsible for the charges because a delivery was made ... but obviously intercepted by the thief who stole my card.