davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (OH)

6. I have not received any confirmation on how you verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( copied from the affidavit attached ) ****
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This complaint is regard to false inaccurate erroneous information on my credit report. XXXX XXXX has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at XXXX recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except Transunion. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove XXXX XXXX Collections from my accounts.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im not sure what Bank of America trying to do but reordering transactions of XX/XX/2016 are inappropriate. Add counter credit? You mean the refund that you take it back when my account was negative? Oh and please dont add the credit in the beginning of the month, all nsf fees are eliminated, and the amount of transactions should not be changed.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (MO)

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 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

For two months now, I have experienced an issue where I have scheduled a payment in the XXXX application, seen the confirmation screen, and then come back the next day to find that my payment was not processed, and I have been charged a late fee. The first time it occurred the fees and interest charged were waived. I scheduled a payment via web as soon as it became known to me for the full statement balance of the card yet again this month, and when I contacted Barclay 's on XX/XX/22 to ask if there was some place I can report a bug in the application and requested that fees be waived, I received a dismissive response of advice such as " you can schedule a payment up to 10 days before it is due ''. Yes, that is true, but if responsible use of a credit card as a short-term loan is supposed to involve paying the balance in full ( which I have been doing for some time now on this account, I might add ), why would I do so any sooner than I need to? To my point, I was refused a second fee waiver with those unhelpful responses, which did not answer my question.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (LA)

I used Venmo services to receive my federal and state tax refund, after having my taxes deposited for about a week, Venmo froze my account and refused to tell me why. They were rude and unprofessional. I have XXXX babies that are going without because Venmo decided to keep my funds instead of closing my account and releasing my funds. None of which belonged to Venmo, but they saw fit to keep the funds for loss prevention. I have a little over {$4500.00} still stuck on Venmo. I have also read that Im not the only person they have done it to. There are thousands of people going through what I am going through. I have decided to seek legal help if Venmo will not release my tax refund.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AZ)

My student loans are with Fedloan Servicing and I am on track for the Public Service Loan Forgiveness program. I submitted my Employment Certification and application for the PSLF and received a letter indicating my payment counts were updated AND that the waiver has been applied to my account. My most recent counts were updated but the waiver has not been applied to my account. There has been no confirmation that they received my Employment Certification for an employer I had in 2012, that will qualify under the waiver, as well as payments I made under my current employer that should qualify under the waiver. I am very close to reaching the 120 payments for forgiveness. My complaint is primarily about the misleading information on the letter I received from them stating that the waiver has been applied to my account when it clearly has not been.
Consumer complaint received 2022-03-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (FL)

My bank administrator at Truist suggested going through their website to apply for a credit line so I could fix my roof. The bids for the replacement are $ XXXX the amount applied for. 
The house is paid off and there is no mortgage. The house is valued over $ XXXX. Between cash and investments total assets are over $ XXXX. Income is a pension and a small business. I have one credit card with a balance of just over {$100.00} and a second of {$3500.00}. A truck loan ( which I qualified for ) with a balance of $ XXXX which will be paid off by XXXX, a year early. My credit score is XXXX. My annual income is consistent never less than $ XXXX a year. My monthly income is {$3700.00}. My monthly liabilities are less than {$1000.00}. 
The reasons given for the denial are inconsistent with past practices and certainly still apply now. The debt to asset ratio fall well within the industry norms. Having secured loans from this institution before. I have been banking with SunTrust for 35 years, the same account adding a business account and savings account that has more money than the loan itself.
Consumer complaint received 2022-03-22
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. (PA)

I dont know how many times i have to inform these companies that they have me missed up with someone else. I think someone has been using my information for their personal gain and i need my report cleared. ive called each company and asked for the original paperwork and neither was able to provide them and this was back on XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$140.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$660.00}
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-23
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account #, XXXX has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MI)

CCS COLLECTION is obligated to this Consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to apprise this Consumer of his right to dispute and request validation of the information being communicated to XXXX XXXX and XXXX.

CCS COLLECTION has incurred liability under the FDCPA as a result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ).

CCS COLLECTION is a debt collector who has regularly furnished negative/ adverse information about this Consumer and is therefore subject to the Fair Credit Reporting Act ( hereinafter FCRA ) CCS COLLECTION is obligated to comply with 15 U.S.C 1681-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency CCS COLLECTION furnished negative/adverse information about this Consumer to XXXX, XXXX and XXXX CCS COLLECTION has a duty to this Consumer to provide this Consumer with a written notice prior to, or no later than thirty days after, furnishing the negative info to a consumer reporting agency This Consumer has yet to receive a written Notice of negative/adverse information from CCS COLLECTION and the time allotted for doing so has since expired.

CCS COLLECTION has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section.
Consumer complaint received 2022-03-22
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. (AZ)

I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries AMERICAN FIR Inquiry Date XX/XX/2020 ; XXXX/XXXX  Inquiry Date XX/XX/2020 ; XXXX  XXXX  Inquiry Date XX/XX/2020 ; XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX  XX/XX/2020 The following address needs to be removed XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX & the following account XXXX XXXX XXXX Balance Owed : {$8500.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX  IN XXXX Balance Owed : {$3800.00} ; XXXX  XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX Balance Owed : {$1000.00}.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/22 we issued a check from our bank ( Huntington Bank ) to XXXX XXXX Bank for payment of a credit card bill in the amount of {$3600.00}. 
On XX/XX/22 we received our next credit card bill from XXXX XXXX and noticed that the old balance was not showing as paid. Upon checking out Huntington account we saw that the check had cleared the bank. The check was endorsed by a different party, not closely resembling XXXX XXXX Bank ( copy attached ) and Huntington had paid the check with funds from our account. The bank obviously paid no attention to the endorsement. 
On XX/XX/22 we brought this issue to the attention of Huntington Bank in person at the local branch. We filled out a " Statement of Fraud '' as provided by the branch ( copy attached ).

It's now been over one week and we have not heard of any progress or status on this issue from Huntington Bank, despite several in person visits to the branch.
Consumer complaint received 2022-03-23
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. (FL)

I'm reporting Experian because I have reason to believe that my score is being targeted. I pay my reporting accounts on time and never late, I have one late payment reported from a fraudulent account that I tried to dispute but they refuse to delete it, which is from a credit card company XXXX XXXX Bank. The late payment is over six years old. There are no other delinquencies on my credit report but for some reason my score will randomly go down drastically, and Experian can't justify why. I called Experian to get an explanation of why and they could not find a reason and told me to contact XXXX. I work so hard to keep a good score I pay everything on time and they decreased my score by XXXX points with no explanation. This is the third time this has happened.
Consumer complaint received 2022-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Impersonators contacted me claiming to be Capital One then got me to transfer money. I lost over {$2500.00}. 
Today I called XXXX to see about starting an account and was told I already had an active account. Someone used my SSN to create it. I got that cancelled and asked XXXX to flag it so they can not re-open it. 
My old gmail, old phone number and SSN are on the dark web, I am told. I changed to a new phone number yesterday and I am deleting my gmail account. 
The transfers to XXXX XXXX on my XXXX file are the fraudulent transfers.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Equifax has been served notice of intent to sue for ignoring over 30 disputes and not following the FCRA rules for many inaccuracies, and missing information. I have spent hours trying to talk to someone on the phone but they just pass me around. There's no one actually working on anything. What clown reopens disputes on things that have been disputed with no resolution more than 20 times? 
Equifax wrongly opened disputes this month in response to my letter of intent to sue, but still hasn't properly responded.. They have cost me thousands in the last 2 years of their intentional wrong doing. I am suing. CFPB please throw the book at them. This is unacceptable and abusive.
Consumer complaint received 2022-03-23
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. (TX)

Under The Fair Credit Reporting Act : EXPERIAN AND XXXX furnish false/inaccurate/unverified accounts against my wishes, namely : XXXX  # XXXX, XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference XXXX XXXX XXXX Certified Credit Report, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt # XXXX XXXX and Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXa XXXX and XXXX XXXX XXXX All of these unknown accounts has violated my rights and cause me injury and damages. In addition, 15 USC 1681 section 602 A, states a consumer reporting agency can not furnish an account without consumer 's written instructions.
Consumer complaint received 2022-03-23
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. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-22
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. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

In 2021, I consolidated some XXXX loans into a direct loan so that they would qualify for the PSLF waiver extension. One day after the loans were consolidated, my PSLF took place and my remaining balance on all my direct loans was forgiven, except for the new direct loan created from the consolidation. I figured it was a timing issue, but called FedLoan Servicing anyways to verify. The representative said it was a timing issue and to resubmit a PSLF form. I resubmitted the PSLF form and then received a letter stating my remaining balance of payments as 3 more! The letter stated it accounted for all waiver investigations as well. I called and told them this cant be right bc I was already forgiven for other loans, which means I have definitely made my 120 payments and that they have proof of this! The representative was very rude with me and said she could not help me and then hung up on me. I just want this fixed and over with! Ive been paying on these loans religiously for 11 years.
Consumer complaint received 2022-03-23
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.