davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I called capital one on XX/XX/18 at XXXX XXXX   mst to inquire about a forebearance or workout option. Due to medical issues, we have experienced a reduction in income as well as a substantial increase in medical expenses. I explained that due to the unexpected changes, I am unable to make my minimum monthly payment. I was told by the original representative that no options were available to me. I inquired why and was told that the reason was because the system said so. I escalated to a manager who identified himself as XXXX who was quick to inform me the system said he cant help us and the only thing he could do is waive a late fee. He then said in a frustrated and sarcastic tone, " I don't know '', and ended the call. He did call back at XXXX mst and say it was the system that disconnected him. I asked to be transfered to the office of the president to lodge a complaint and was told he could not transfer us or provide the number or address because they do not have an escalations or complaints department. He indicated that the only option was to provide an address to genrral corespondance. I declined. I asked for his manager and the call was then connected to XXXX, agent XXXX who said he can help by taking a survey to see if we qualify. After guiding our answers and using the info he wanted to put into the tool, he ran our info and said the system denied us and he doesnt know why. We asked for a reason or a letter explaining denial and he said they can not provide either, as its up to the system to decision and nobody knows the logic behind the decision engine. He said the only other option was to do a settlement where we come up with the entire amout in 2.5 months and they close the account. I informed him that again, as stated, I couldnt make the minimum payment and that was not a viable option. I advised I felt it was against the law to deny me without an adverse action letter and agreed but said that no letter exists, as the system makes all decisions.
Consumer complaint received 2017-09-19
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. (TX)

I am a current customer of XXXX XXXX. I recently checked my credit report and noticed that this institution is reporting inaccurate information to the credit bureaus and has caused a drop to my credit score. This company may be in violation of the FCRA due to this being the second time this has happened. This is affecting my ability to conduct other business so I am now contacting the governing agency of this institution.
Consumer complaint received 2018-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

I just called them to pay my account current it is four payments behind. They refused to accept payments beause they began the foreclosure process. This is my primary residence. I was advised that they needed to get reinstatement figures and would get back to me by Tuesday. 

In addition, they have forced insurance on this loan in violation of 12 CFR 1024.37. I have two other loans in which the violarions are so negligent I hired a lawyer to act on my befalf since those also lead to foreclosure actions.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 an account opened XXXX XXXX Account Number : XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX dateopened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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 2018-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (VA)

On XX/XX/XXXX I went to TD Bank in XXXX VA to have funds ( {$4000.00} ) transferred from my TD Checking account to my IRA at XXXX XXXX. I wanted this amount to be available as a tax deduction for my XXXX filing. XXXX emailed the wiring instructions to the representative while I waited for her to complete the transaction. The funds were deducted from my checking account, but a couple of weeks later in XX/XX/XXXX I realized that there had been no deposit to my account at XXXX. I opened a complaint with TD. To date the money has still not arrived at my IRA account and TD Bank can not account for it. I have been passed around by phone from person to person, department to department. They have no explanation although the manager tried to say that XXXX 's wiring instructions were incorrect. It is clear that the TD Bank representative misinterpreted the wiring instructions and sent my money to some erroneous location or account. At some point during several phone calls TD Manager XXXX XXXX told me that the money was deposited into someone else 's account and they are unable to recover the full amount. No other information has been given to me. 

It's been months. TD has given me no timeline for a resolution, I am running out of time to file my taxes and I will lose the ability to claim the deduction since I don't have another $ XXXX to compensate. I have recordings of our conversations and am planning to file a complaint in court.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I am a XXXX in Florida. I have been with the rate reduction program for the past few years, due to my income as a XXXX. Every year I give a financial statement to reenroll back in the program. This year they said I am no longer eligible for that program or any other plan and have demanded I pay the full amount monthly on my loans. That is over half of what I make a paycheck. I have never been late in making a payment with them.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Greetings Consumer Finance Protections Bureau, This complaint, against Portfolio Recovery Associates, is being submitted following a blatant disregard to the Fair Debt Collection Practices Act | As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) with regards to 806. Harassment or abuse of which line ( 5 ) applies. 

On Saturday, XX/XX/2018 Portfolio Recovery Associates attempted to contact me regarding a debt in their possession with my personal information attached. Between the times of XXXX MDT and XXXX MDT they attempted to unsuccessfully contact me a total of 26 times. This stands in violation to 806. Harassment or abuse which states ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. While a debt collector is allowed to contact a possible debtor via telephone or mail and retains certain legal rights to attempt collection, it falls outside of their realm of operations to harass a potential consumer with intent to annoy or harass a person. Additionally Portfolio Recovery Associates failure to disclose the company name or false disclosure to trap a person again violates 806. Harassment or abuse as written ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. Furthermore, Portfolio Recovery Associates has violated the Fair Debt Collection Practices Act when attempting to intimidate a potential debtor into payment which has also happened during past communications ( 807. False or misleading representations ). 

I wish to express my thank you for your time and help regarding this issue to the CFPB and will await any further communication or resolutions from the CFPB. 

Professionally, XXXX XXXX.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (CA)

A derogatory item was fraudulently added to my credit report for a large past due XXXX bill in someone else 's name. They have this person listed as my " alias '' on the credit report. I do NOT have a XXXX account. The amount is {$3700.00} and was first added in XX/XX/XXXX and reported on XX/XX/XXXX. Approximately 1.5 - 2 years ago, XXXX started mailing billing statements to my address with the name of the other person. I marked the envelop with " return to sender ''. When that didn't work I called XXXX and spoke with a customer service representative. I though they were going to update their records but they never did. I stopped getting mail from XXXX and didn't know about the credit report problem until I applied for a home loan.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX  is reporting incorrect and inaccurate information to my XXXX credit reportsWhich is a violation of the FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. 

Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil matter
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

By law If XXXX XXXXXXXX is going to report a delinquent charge off to my account They must properly verify the account with account with documentationThey say I owe a certain amount.Its incorrect its inaccurate.I requested from them the original credit card agreement with the terms and conditions.I want the history of the account the account.I want all the account statements .They sold the debt to a debt collection agency XXXX dont owe this amount that they are listing on my credit reportThey need to remove it.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I contacted XXXX XXXX and chexsystems about an account that was charged off on XX/XX/2011. It is explicitly stated that each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. With that said, its been 7 years and I have spoken with XXXX XXXX and the Chexsystem and they each continue to tell me to speak with the other party. This has caused me to not receive employment, be denied from loans and its me and my wife from purchasing our new home. Please remove this account from my ChexSystem report.
Consumer complaint received 2018-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XXXX.XXXX.18, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : XXXX XXXX XXXX Ref # XXXX
Consumer complaint received 2018-03-31
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. (DE)

My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, XXXX XXXX student loan, loan # XXXX. The loan came out of deferment in XX/XX/XXXX; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted XXXX XXXX to update my address and set auto pay to ensure timely payments.

As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested XXXX XXXX retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay.

XXXX XXXX refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and XXXX XXXX   should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately.

Thank you very much for your assistance with this matter.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST HORIZON BANK (MS)

I received a {$100.00} non refundable legal fee on my checking account because California Child Support made an error in sending a Levy to the bank that should not have been sent for a past due balance on Child Support. I have made my Payments on time each pay period. First Tennessee charged {$100.00} to process a {$290.00} levy that was an error. I called twice on XXXX-18 at  approximately XXXX-XXXX. They told me that even if it is an error they werent going to waive the fee because its non refundable. This totally wrong and another example of a bank abusing its Financial Power.
Consumer complaint received 2018-03-31
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: Ad Astra Recovery Services Inc (TX)

I have put a dispute in with XXXX about my Ad Adstra acct that they continue to report as validated and correct. I spoke with Ad Astra and they have informed me that this is incorrect and they reported to XXXX  that this acct is unreportable and they are unsure of why the tradeline is still on my credit profile with XXXX. I informed that I have explained this to XXXX on multiple phone calls and disputes online and they still will not honor what is being reported by the company Ad Adstra. I have a recording of the phone call between me and ad adstra and this proves what I am saying. It can be validated with the company and the supervisor XXXX that I spoke with on what was told to me. I am feeling that the last resort in this case if this and reporting to the CFPB does not work that I must continue with my legal advice and seek litigation from this company. The call that I have recorded was OK 'd to be recorded by both parties and it was also recorded on the colletors end. All other bureaus have complied except XXXX   and I am not sure why.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2017 an employee of Chase called from their fraud unit called to alert me to fraud on my two Chase credit cards. They advised that they would close down both of the accounts and replace them. My purse had been stolen and fraud not only happened on the two chase accounts but my XXXX XXXX credit card as well. I was told that I was not liable for the balances. One balance was wiped out but the account that had no balance had a {$2500.00} balance a few days later. XXXX XXXX  wiped out my balance. Someone had opened a XXXX XXXX   account in my name and transferred funds from my credits cards through the XXXXXXXX XXXX account. The person who called me said they would send me a packet in a blue envelope to complete. It never arrived. I called the fraud unit and spoke to very rude woman who told me I was lying and that I owed the money. They said they completed their investigation and they would do nothing more. They continue to bill me under a southwest chase credit card and I feel forced to pay it monthly or have my credit ruined. I asked them to provide proof that I owe the {$2500.00} and they will not comply. The credit cad number is XXXX XXXX XXXX XXXX. Despite their actions I still have a good fico score. I m not in a position to continue to pay this and need assistance. This is so unfair.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

The issue has to do with my XXXX XXXX credit card. For the second time, the company charged me a {$2.00} interest charge despite me having a XXXX balance. I called to make a payment on XX/XX/XXXX and requested to pay the full amount owed so I could have a XXXX   balance. This month I got an alert that my statement was ready and that I owed {$2.00}. This is the second time this has happened. When I called the customer service line, the answering system informed me that, as a " courtesy, '' they were removing the {$2.00} charge. They know they're ripping people off with this {$2.00} charge. In fact, my wife was the one who warned me about the XXXX XXXX  credit card, telling me to always check my statement because the company likes to add on that {$2.00} charge in hopes that the customer won't call. When they did it the first time, she said all I have to do is question them on the charge and they'll remove it. And that's exactly what they did. How many XXXX XXXX  credit cardholders aren't calling, however. The CFPB needs to check them out and look into their records. I bet you'll find a lot of credit cardholders who haven't question that {$2.00} charge.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

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 2017-09-19
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. (TX)

It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX. 
Bankruptcy chapter XXXX was filed on XXXX XXXX,2016 and Discharged by Federal Judge on XXXX XXXX,2016. 
Credit reporting agencies are reporting my credit scores at XXXX and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
XXXX and XXXX has XXXX unauthorize inquiries that needs to be deleted permanently. 
Experian has only XXXX authorized inquiries and Experian has deleted all unauthorize inquiries from my credit report.Why XXXX and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.