davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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. (MI)

The Fair Credit Reporting Act gives me the right to dispute any information on my credit report that I believe is inaccurate. This law requires that all data be documented and validated before it is used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

Well XX/XX/2022 I made arrangements with Discover credit card companies to pay dwn my owed balances I made a payment for XXXX dollars I was put on a payment plan to pay dwn the rest I decided to pay off the balance in full I amount due I believe it to be XXXX I attempted to pay it in full they accepted the funds sent me a check saying I overpaid by XXXX dollars they then didnt accept my payment sent my money back to me I received a new statement in the mail saying I still owed the balance I spoke with them to find out what happened they couldnt tell me what happened I then paid them again since the payment went through this time they posted my credit report late it shouldnt be reported late I paid the balance in full technically its not late at that point.
Consumer complaint received 2023-03-23
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. (TX)

I have repeatedly dispute this inaccurate account with Equifax, but still, Equifax continues to report false information about XXXX XXXX XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX ; not XX/XX/XXXX. The account was not XXXX past due in XX/XX/XXXX nor XX/XX/XXXX. If the account was past due, XXXX XXXX XXXX XXXX would have notified me in writing, per the Fair Credit Reporting Act 15 U.S.C. 1681 section 623 subsections ( 7 ) ( A ) ( i ), but no such notice was sent to my home mailing address.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX we issued Ck # XXXX to XXXX XXXX XXXX in the amount of {$15000.00}, mailed it to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NJ XXXX. Few weeks later XXXX has advised us that they have not received the check. We immediately provided the information by sending them the front and back of the check. To our surprise, XXXX notified to us that they have no record of depositing the check via mobile. Nor did they recognize the signature/.endorsement. Also it showed Pentagon Federal Credit Union Routing # XXXX. We reported to our bank, XXXX XXXX at their Fraud Department. Since last year, XXXX XXXX has been handling this matter. On XX/XX/XXXX, we received a letter from them advising us that they have completed their research of our claim related to Ck # XXXX. However, they were unable to credit our account due to lack of response from Pentagon Federal Credit Union. On XX/XX/XXXX called the customer service of Pentagon Federal Credit Union. Asked which department that could address my concern. The customer service refused to route my call. In short, very uncooperative.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (AZ)

" Chase preferred Tue XX/XX/2022 XXXX PM Now you can earn XXXX bonus points with the Chase Sapphire Preferred credit card. If you apply and get approved, we can both earn rewards : https : XXXX Chase Sapphire Preferred Credit Card | Chase.com Click to learn more.

www.referyourchasecard.com '' I applied for, and received, a Chase Sapphire Preferred credit card per the offer above. I spent the required amount of {$4000.00} in the first three months. Chase gave me XXXX points, not the promised XXXX points. After several attempts to correct this error, Chase wrote a letter advising that my account will only be given the XXXX points. I not only consider this as a bait and switch but also as a predatory practice. I had the choice to go with many other offers, but chose Chase because of the XXXX bonus points.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (LA)

I go online to make payment, every time have to add bank info including routing and account number. After going through the complete lengthy process and you click make payment it says something went wrong to check back later, This has been going on for months since the merger of BBT and Truist. Also if I try to make an additional principal payment it says you can only make an additional principal payment within 24 hours of the payment due date which incurs additional interest for me as they will not accept that additional payment. Please help, I only want to be able for them to accept my loan payments. Also to make a payment I have to call Truist and the hold times are always in excess of 30 minutes. This is unacceptable they always apologize and say they are working on the problem but to no avail. Thank You!
Consumer complaint received 2023-03-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (LA)

I case a with XXXX XXXX case # XXXX and one with XXXX  XXXX  XXXX XXXX, Im making a complaint about cash app. This is were all mr deposit when to. From XXXX  the amount with cash app is XXXX. This is what cash app owes me, because they wont deal with the banks. XXXX  has reversed money out of cash app then put it bank into cash app and that violated my account. So cash app wont deal with me anymore. But they have my money. No one has taken it out except for the fraud. The banks told me they owe me my money. XXXX XXXX never did anything to help me. As for as XXXX XXXX  cash app owes me XXXX and thats not in including bitcoin that fruaders have sent so if my money. I dont have a bitcoin account as for as I know. I dont know how to use it. So the claim would be on cash app. They want help so they stealing my money. I tried many of time tell them I didnt put my money in cash app or take it out. That the fraud people had all my information. They messed up my life. Im on XXXX and they took everything. I need to get my money back from them. Please help
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (FL)

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.

I DID NOT AUTHORIZE THE FOLLOWING COMPANIES TO PULL MY CREDIT : -PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have 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 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 2022-03-25
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. (MD)

Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am trying to participate in President Biden 's temporary expansion of public service loan forgiveness ( TEPSLF ). Prior to consolidating my loans and enrolling in public service loan forgiveness ( PSLF ), I worked for the District of Columbia XXXX XXXX. My loan history on XXXX XXXX XXXX shows that I was in repayment of my loans from XX/XX/XXXX through XX/XX/XXXX. Because I worked for a qualified employer and did not have private loans, those payments should count towards PSLF because of Biden 's XXXX. I submitted my employer certification for DC XXXX XXXX, dated XX/XX/XXXX - XX/XX/XXXX, to FedLoan Servicing on XX/XX/XXXX. Since that time, no one has reviewed that employer certification for qualifying payments during that time period. I have called FedLoan Servicing an average of weekly since submitting that employer certification. They tell me they can not see my payment history prior to consolidation and I need to speak to the Department of Education. I have also called the Department of Education Ombudsman XXXX XXXX almost weekly since XX/XX/XXXX. They tell me they can not see my payment history at all, and FedLoan Servicing has to decide if any of my payments from XXXX XXXX- XXXX XXXX count towards XXXX. No one will review my materials! There is not point to XXXX if not one reviews payments that count towards PSLF because of XXXX.
Consumer complaint received 2022-03-25
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. (CA)

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 2022-03-25
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc. (FL)

I, XXXX XXXX, a natural person, am demanding Santander Consumer USA to provide me with any documentation, and concrete evidence, and any agreements WHATSOEVER between myself XXXX XXXX, and Santander Consumer USA, to give an unauthorized 3rd Party, a XXXX that was NOT a witness of the Transaction between ( myself, XXXX XXXX, and Santander Consumer USA ) give XXXX XXXX XXXX XXXX the rights to get my information, my address, my location, come to my property, and take my vehicle ( XXXX XXXX XXXX ) by FORCE in front of my neighbors/witnesses dated on XX/XX/XXXX. Where is the documentation to give an unauthorized 3rd party, the rights to do such things? This complaint is very simple and CLEARY to read and should not be misunderstood. 

PLEASE provide me such information mentioned above. 
I AM DEMANDING those documentation. Expeditiously! 

The company XXXX XXXX XXXX XXXX has admitted, and confirmed of taking my property ( XXXX XXXX XXXX ) away from me at my place of residence to be exact is where my property was taking away ( See attachments ). 

Ive also filed a complaint with Federal Trade Commission in regards of this serious matter. 
Again, Please provide me the information mentioned above. Best regards.
Consumer complaint received 2022-03-25
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: Experian Information Solutions Inc. (CA)

I don't understand why my credit percentage of use is so high. I pay my cards of every month. This is with all credit cy name is spelled wrong. 


My name should be XXXX not XXXX.
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FORD MOTOR CREDIT CO. (NY)

I received an income execution for a vacated court order, on a balance that was previously satisfied with the same collection agency XXXX years ago. 

I want this collection agency held accountable for violating my rights. As this company has attempted to collect a debt that they knowingly knew was not outstanding. 

It is documented on the letter head from the same exact collection agency XX/XX/XXXX. In the letter it is noted that the debt was satisfied and there would be no further collection action. 

XXXX years later this same collection agency initiated collection action by using their relationship with the XXXX XXXX XXXX XXXX to obtain an income execution on a judgement that was vacated. 

This situation has caused me undo XXXX XXXX, and XXXX  ; XXXX XXXX, and most importantly fraudulently. 

This collection agency tried to become a creditor on my bankruptcy that was filed in XXXX and they had to be told again, that the balance was satisfied. 

This collection agency has been and continue to be unscrupulous in its collection process and I am tired of fighting their never ending collection efforts. 

This has becoming a collections nightmare.
Consumer complaint received 2022-03-25
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-03-25
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)

The lists of inaccurate information about items are still reported on my credit report. I already sent a letter to XXXX Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous items reporting on my Credit Report : Late Close : XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} ; XXXX ; XXXX XXXX XXXX Balance : {XXXX} ; XXXX Collection : XXXX XXXX XXXX XXXX XXXX Balance : {XXXX} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {XXXX} Inquiries : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-03-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. I have received hard inquiries from XXXX XXXX on XX/XX/2019 and XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.