davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
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: LEXISNEXIS (OH)

I HAVE ISSUES WITH IN ACCURATE INFORMATION APPEAR ON MY CREDIT FILE. I HAD BEEN COMPROMISED LAST YEAR AND I WOULD LIKE THE FOLLOWING INFO DELETED REMOVED FROM MY CREDIT REPORT THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX XXXX , OH XXXX,
Consumer complaint received 2019-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Machol & Johannes, LLC (CO)

as i cosigner on my daughters student loans, i have attempted to contact the service co. regarding a payoff and more recently after reading through the CFPB website, sent a request for release of the loan. my reasoning is i have retired and have significantly less income and my daughter has ( 1 ) been making payments and, ( 2 ) has been gainfully employed since she completed her residency. 
as seems to be the normal for this firm, i have not gotten a response. i sent the letter XX/XX/XXXX via email. i used a template from the CFPB site which requests a response whether accepted or not. it is courtesy to respond.
Consumer complaint received 2024-10-12
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. (IL)

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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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 2016-05-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCAR Inc (NY)

I work part time for an employer named XXXX XXXX XXXX, on XXXX/XXXX/XXXX Tuesday I left my evening part time job as usual parked in the residents parking lot where I live at XXXX XXXX XXXX, and had left my XXXX Mercury Milan vehicle locked as every other night. About mid to late afternoon the next day on XXXX/XXXX/XXXX Wednesday, the time I generally head over to do my regular work hours. I noticed my vehicle was not where I had parked it the previous night on Tuesday, in fact it was no where in the parking lot. I immediately thought of and had concerns of vehicle theft. I went straight back into my apartment and dialed the XXXX help assistants line from my landline telephone. The XXXX operator assisted me in reasoning out my current situation and had taken my name along with the description of the vehicle. In coming up with contact information in helping locate and find where my XXXX Mercury Milan was at, she then announced the company name TCAR Recovery located at XXXX XXXX XXXX XXXX NY and the contact number of XXXX. I proceeded to leave a message since no one answered, then had concerns of my XXXX XXXX XXXX with regards to entitlement to the protections under the UNITED STATES BANKRUPTCY CODE. I currently am under review by my creditor XXXX in my request to file for bankruptcy regarding the subject matter vehicle repossession and any protections in filing bankruptcy may apply to myself. I thank you in allowing me to leave the Consumer Finance Protection Bureau commentary of present as well as any future comment that may pertain to vehicle repossession and myself asking to filing for bankruptcy proceedings.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NY)

I have two main complaints regarding Home Depot and Citibank : Home Depot CC # XXXX XXXX XXXX XXXX Canceled by me : 1. I was checking out a purchase at self help area of Home Depot in XXXX XXXX, NY. The attendant at that station came up while I was in the process. She asked if i wanted a Home Depot Credit Card ; I said no. She continued as if i did not exist, removed the credit card I was using, took information from that card, filled out forms putting the charge on a new Home Depot credit card, she said, finished the purchase, and handed me several Home Depot forms and told me I could pay for the purchase on the bill which would come to my house. Several times I told her I did not want the card. Again no response from her about my complaints. I left frustrated and annoyed but it was near XXXX 2019 and I had no time for this matter. I waited and waited for Home Depot bill or card to arrive. Didn't notice any bills or cards from Home Depot. Finally someone called asking me to pay. which brings me to complaint 2. 
2. The lady on the phone was just as obnoxious as the one in the store. She accused me of trying to get away without paying my bill. She said I had two bills and hadn't paid either one. I told her I did not receive anything from Home Depot but I was happy to pay the bill for the amount of the purchase and not for any overage charges since I did not receive any bill from Home Depot. I told her my record with credit card payments was excellent. Why didn't she believe me? She ignored me about not having received a bill, just like the lady who stuck this mess on me at home depot. I paid the amount of the " bill '' I owed for my purchased and canceled my Home Depot card. 
Since then I have tried to call Home Depot credit card complaint line but have not even been able to patch through to speak to a human person about my complaint. So, I have been reduced to making my complaint through CFPB!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX  XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$6200.00}
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (TX)

XXXX XXXX XXXX shows that I opened an account with XXXX XXXX   which is not accurate I attempted to open an account but was declined by XXXX XXXX XX/XX/2015 this account is closed and should be removed off my XXXX XXXX XXXX Report. I need XXXX XXXX XXXX to provide all methods used by them to verify this account information as accurate. This incorrect information will be used by financial institutes to decide if they should extend me credit and other offers which I have been declined for in the past
Consumer complaint received 2020-05-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

In the past I communicate with Navient contact me at me work place. On XX/XX/2020 I received 7 voicemail from them. Leaving my personal in formation on a company phone that I have no access. On XX/XX/2020 I received 9 voicemail in a span of 6 hours. All with personal information on company phone that I don't have access to. They repeated called family members that have no association with debt. The called one family twice left a message and then called said person while they were working harassed them until they told them to never call again. I believe they have violated the Fair Debt Collection Practices Act with these actions.
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP (NJ)

I deposited a large check on XX/XX/2019 and repeatedly asked four branches when the check will clear! I got several answers! 

All of it on XX/XX/XXXX! 

{$200.00} on XX/XX/XXXX! 

{$5000.00} on XX/XX/XXXX! 

Several more days after XX/XX/XXXX because it is a large check! 

Seems like XX/XX/XXXX! 

Dont know! 

It is not in the system yet. Call back tomorrow. 
Call our XXXX number! 

Incompetence all round! 

This is a bank? 

Time was of the essence because of an emergency need for the money! 

I was caused much distress and loss of hours of my time!
Consumer complaint received 2023-11-21
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. (IN)

I am writing this letter to formally dispute the accuracy and completeness of credit information being reported by your agency. Under the provisions of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Guidelines, I request that you conduct a thorough investigation and verification of the account details in question. 

The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), mandates that credit reporting agencies must physically verify the original signed consumer contract for every account they include in a credit report. This verification process is crucial to ensure the authenticity and legitimacy of the information you disclose. By failing to adhere to this requirement, your reporting services could be susceptible to fraudulent accounts, negatively impacting consumers like myself. 

I hereby demand to receive verifiable proof, such as an original consumer contract bearing my signature, for the account listed below : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX As per the FCRA, unverifiable accounts must be promptly removed from my credit report. In the absence of providing documented proof within the stipulated timeframe, you are obligated to delete the aforementioned account from my credit file. 

Moreover, I also request the removal of all non-account holding inquiries that are older than 30 days. Additionally, please add a promotional suppression to my credit file, as per the relevant consumer laws. 

I am well aware that the FCRA mandates a thirty ( 30 ) day period for your re-investigation of this dispute. Within fifteen ( 15 ) days of the conclusion of your re-investigation, I expect a description of the process utilized to assess the accuracy and completeness of the material in question. 

I emphasize that my rights under the FCRA and other consumer protection laws must be upheld, and I trust that your agency will act in compliance with these regulations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am having a hard time understanding why and how this account is still reporting on my file- when I have continuously requested for your company to remove it because it is inaccurate. This inaccuracy has affected my credit score, thus affecting my entire plans of getting financial help.
Consumer complaint received 2015-11-05
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (CA)

For the past 6 months I have used Orlandi Valuta via Western Union at XXXX 's XXXX in XXXX Ca to send money to my father in law XXXX XXXX XXXX every month in XXXX. On XXXX XXXX, 2015 I sent the usual monthly amount to my father in law via Orlandi Valuta. It turns out my father in law was unable to retrieve his money, according to Orlandi Valuta I placed a call that same day to have the recipient name changed to XXXX XXXX and that the money was already retrieved by that person. Orlandi Valuta said they could not help me even though i explained to them I did not change the name of the recipient. My father in law went to the usual pick up location and he was told that no one by the name of XXXX XXXX has received any money.
Consumer complaint received 2024-10-12
Product: Credit reporting 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. (NY)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry listed below. However, this inquiry was not authorized by me. Therefore, Iam writing to dispute this inquiry and have it removed from my credit report. XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-09-25
Product: Credit reporting 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. (ME)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NY)

I used my NetSpend prepaid cards in XXXX platform only later to be advised that all bookings were illegal transient use unsafe and other. Requested NetSpend to issue charge back after all the work I did to assist they in filing 2 claims under # XXXX and # XXXX they issued credits but we're not paying all the disputed charges in my claims that I submitted. 
NetSpend closed each account I had .then blocked me access via calling them having hard time to collect the remaining disputed charges, NetSpend sided XXXX validated them, they couldn't each booking was short term illegal contrary to NY multiple dwelling law in fact NetSpend wouldn't send me any rebuttal by XXXX I had to beg them for it yet what they provide was baseless. NetSpend then told me in on my in and won't go after XXXX too resolve it Ms XXXX from NetSpend said that. I went back to them via e-mails and calls telling them it's part if my claims you can't. You also violated my rights under fair credit act. They distressed me so much. 
I had two charges XXXXand XXXXthst are pending they refuse to restore the charge back to me knowing they are illegal and city if XXXX XXXX issued violations illegal transient use, fire hazards ECT.  You can't allow them to go unpunished they said In not entitled to use their services anymore either all cause I file a claim. They are unfair violated my consumer rights under fair credit act ECT. 

XXXX  platform is illegal entity charging excessive fees for unsafe illegal transient use. NY building Dept in fact issued violations for illegal transient use of apt and other fire safety issues ECT. Contrary to law here. 
NetSpend contradicts itself if you restored a charged back on a few you can't ignore the others they are all illegal bookings. NetSpend is involved deceptive practices they try to not send me other fees till I caught them. 

They owe a duty to continue the claims that were unaddressed. 
XXXX can't validate what's illegal it's proof they admit they allow these shirt stays unsafe fire hazards conditions to the public and NetSpend is condoning it.
Consumer complaint received 2020-05-18
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2019-06-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (OH)

I had a leak in my roof and needed extra cash fast. So I took out a loan from Rise on XXXX for a XXXX for 7 months at XXXX a month I took a beating on the interest but I needed the money. The last pay was gon na be XXXX but I've had trouble with my account so I ask could they take it out on the XXXX they said yes everything is set. I called on XXXX and told them my money was in there now and if they wanted to take it on the XXXX they could or wait til the XXXX. They said they would take it on the XXXX they didn't, they didn't on the XXXX so I called them and they say I got to send another authorisation for ach withdrawal because for some reason they can't do it without it. Trouble is now they say they can't withdraw the money til XXXX Now which includes late fees and interest which is no fault of my own. My bank said they have no reason to not be able to get the money. I'm trying to keep my credit going up and 100 % on time payments. Don't know what to do. Please can u help?
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Once again were having a very difficult time with SPS to avoid foreclosure. We have been denied for a modification. We were told by SPS we can apply for a short sale which we have done. On our first submission was declined due to the fact SPS want a full payoff. Our Realtor then went back to our 2nd Len holder ( XXXX )and resubmitted the short sale and over the past 3 weeks is getting the short sale approval. In the mean time SPS has decided to go against its word and place the sale date that was on hold too ACTIVE. Back doored again! We now have a sale  date of XX/XX/19. Please place the short sale on hold so we can complete the short sale and avoid foreclosure.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CA)

On or about XX/XX/2017, my American Express Serve Card ending in XXXX was permanently suspended due to alleged violation of the Cardmember Agreement Section 15 ( d ). On XX/XX/2017, I had reported a dispute to American Express Serve for the amount of {$190.00}. On XX/XX/XXXX, and XX/XX/2017, I received an email from American Express Serve indicating they required additional information to process my dispute and requested that I complete paperwork. I believe that my account was suspended due to the fact that I reported this dispute. The timing of when I reported this dispute to when I received an email indicating my account was closed is quite suspect. Now over two years later, and subsequent research, I have become aware that American Express routinely engaged in this conduct in violation of federal law. American Express routinely closes Serve prepaid accounts when a consumer files a dispute, does not investigate or provide credit to the consumers account, and revoked the card without any reason or explanation, often leaving the customer without recourse. There was no reason for my account to be closed as I did not engage in any conduct that would constitute a violation of the Cardmember Agreement. Contrary to its assertion, it appears American Express is engaging in conduct that is against federal law.