davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient.. I have told NavientXXXX In the past years that I have been set up with a Fraud Loan And that the fake XXXX that the money was given to.. XXXX XXXX XXXX was a fake school ... that was later shut down by the Federal Goverment..I have tried to tell them that i could not pay for the Loan at the time they gave it to me... And should have never been approved ..but still they call me all the time. leaving messages ..And when i call them to try to find out what I can do to fix this They try to put me under more Debt.. with bad .interest rates..and there Loan Program..I need help to try to deal with this ..They Navient are saying that i dont qualify for the Forgiveness Program ..Then who does..?? I was tricked by Navient into this Loan..
Consumer complaint received 2023-04-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc. (WI)

Dear Sir/Madam, I am writing to express my concern and dissatisfaction regarding a recent money transfer I made to XXXX, which has taken over three weeks to process, and I still have no information about the status or whereabouts of the funds. This delay has caused me significant financial hardship and distress, and I believe that it is in violation of my rights as a consumer. 

On XX/XX/, I initiated a transfer of {$6700.00} to my personal account in XXXX using the services of OFX. The transaction reference number is XXXX. An automated email from OFX informed me that the transfer would be completed within 5 business days. However, after more than three weeks, the recipient has still not received the funds, and I have been unable to obtain any clear information about the current status of the transaction. 

I would like to highlight that I have made transfers using the same information to the same recipient in XXXX before, and they went smoothly within the promised 5 business days. In fact, I initiated another transfer after this delayed transaction, and it has already been successfully paid out to the recipient. This further adds to my confusion and concern regarding the current delayed transfer. 

The funds from the delayed transfer were supposed to be used for a government payment in XXXX. The extended delay has not only jeopardized this payment but has also caused additional financial strain and anxiety. 

I have contacted OFX multiple times to inquire about the delay and request assistance in resolving this matter. Unfortunately, their customer service has been unhelpful and unable to provide any concrete information about the whereabouts of my funds. This lack of transparency and communication has caused me immense frustration, and I am now concerned about the safety and security of my money. 

As a consumer, I believe that I have a right to expect prompt and efficient service when conducting financial transactions, especially when it comes to money transfers. The extended delay in processing my transfer and the lack of information about the status of the funds is not only disappointing but also damaging to my financial situation and my trust in the financial system. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against OFX if they are found to be in violation of any consumer protection laws. I would also appreciate your assistance in securing the safe and timely transfer of my funds to the intended recipient in XXXX. 

Please find enclosed copies of the transaction receipt, email correspondence, and other relevant documentation to support my complaint. 

Thank you for your attention to this matter, and I look forward to a prompt and just resolution. 

Sincerely,
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

A discharge of indebtedness because of a XXXX  or a defined policy of the creditor to discontinue collecti activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. E in box 6 to report this identifiable event.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - UNITED STATES POST O Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - POST OFFICE Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

XX/XX/year> ( XXXX XXXX ) and on XX/XX/year> I was told by phone by equifax credit staff that I had to mail in a copy of my SS card and XXXX to them to validate my credit report. 

I was told that they can only request it over the phone and can not send the request for the documents via email or to my physical address. 

Please have Equifax request the documents in writing or via email as all of this information is provided here and has been provided to Equifax. 

XXXX and XXXX are correct with no issues. 

Thanks!
Consumer complaint received 2024-07-01
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. (NY)

I recently reviewed my credit report and noticed that Equifax has not updated a late payment for XXXX XXXX  to current, even though it is shown as current on my Equifax credit report. The late payment is incorrectly listed as XXXX late payments, 60 days late, and 30 days late for the same month. This kind of double jeopardy discrepancy can be very detrimental to my financial health and constitutes a violation of my rights under the FCRA. 

Please update the status for XX/XX/year> from late to current. I have attached all relevant proof from my Equifax account.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2019-07-30
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: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2019 I received an email inviting me to upgrade an existing American Express XXXX XXXX credit card to the XXXX version of the same family of cards, with a bonus of XXXX XXXX XXXX points after spending {$4000.00} within three months of opening the card. 

On XX/XX/XXXX I upgraded my account to the XXXX, completing the spending requirements on the same day in a single transaction. According to the terms and conditions of the offer, the bonus points should post within 6-8 weeks ( so, XXXX XXXX at the latest ). 

On XX/XX/XXXX I contacted AmEx 's online chat support to inquire about the points posting, and was told by the customer service representative that a 'case ' would be opened since no such upgrade offer appeared to be attached to the account. I was told that a resolution may take 6-8 weeks ( so at the latest, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx by phone to inquire on state of the case and the missing points, having never received any contact since XX/XX/XXXX. The rep asked me to upload the upgrade offer to a document-submission website, and I was told that a resolution should take approximately two weeks ( so, XX/XX/XXXX ). 

On XX/XX/XXXX I contacted AmEx once more by phone to inquire regarding previous cases, to be told AmEx had deemed the matter a non-AmEx problem and that the only solution is to submit another resolution request with the same information - expecting another 4-6 weeks for a resolution. I noted that I would be submitting this information to the CFPB for review, as AmEx does not seem inclined to resolve the matter directly.
Consumer complaint received 2024-07-01
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. (IN)

I am writing to dispute a late payment reported on my credit report for the account with XXXX XXXX Account Numbers : XXXX ). This late payment is inaccurately reported, and I am requesting its removal based on the provisions of the CARES Act. 
The CARES Act, signed into law on XX/XX/year>, amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under specific circumstances. According to 15 U.S.C.

1681s-2 ( a ) ( 1 ) ( F ), if a consumer makes an arrangement with a lender or creditor for payment accommodations due to the COVID-19 pandemic, any adverse credit reporting during this period is prohibited.

During the COVID-19 crisis, I made arrangements with XXXX  XXXX for payment accommodations due to financial hardship directly related to the pandemic. This should have protected my credit report from any negative reporting during the accommodation period. The late payment reported is in direct violation of the CARES Act amendments to the FCRA.

Your company is in violation of the FCRA and Metro Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On [ insert late payment date here ], you reported transactions from account # to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of Metro2 compliance! Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency.
Consumer complaint received 2023-03-10
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. (MO)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - This just proves your lack of proper record keeping. Now, this item is reported to be 30 days past due, yet it is closed and the balance is XXXX. Lets correct this immediately. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that you have not abrogated my rights by reporting false information, otherwise, remove it immediately. 

XXXX XXXX XXXX XXXX XXXX} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-01
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. (GA)

I am disputing this because the creditor did not provide me with a Form 1099-C ( Cancellation of Debt ). According to IRS regulations, creditors are required to issue a 1099-C when they discharge {$600.00} or more of a debtors obligation to repay. The lack of a 1099-C suggests that the debt may not have been legally canceled, and therefore, the write-off should not be reported on my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEARTLAND PAYMENT SYSTEMS INC (MO)

The story started back in XX/XX/XXXX. Someone had set up a merchant credit card account and had my name and Social Security number ( I suspect ). They used my company address, phone number, and my company email address. They used an email address that is not mine : XXXX. They used a phone number ( XXXX ) that, when XXXX, is to a XXXX XXXX service. I am an XXXX. I do not run an escort service. And heartland bank called me and said this is whats going on and I said that it was not me. I filled out a form for dispute resolution department at heartland Bank. I marked " I am requesting that my response be attempted for this dispute I understand that the issuing bank does not accept my response that I will be charged the XXXX pre-arbitration fees imposed up to $ XXXX '' See pdf file attached. And that was the last I heard from them. They accepted that and said to file a police report. We tried to file a police report. But the XXXX XXXX XXXX police department would not accept a complaint because there was no harm done to me, there is nobody to chase, and it was not in XXXX XXXX XXXX. Now XX/XX/XXXX Im being contacted by a collection agency for {$6200.00}. I was told by Life Lock to file a fraud alert with my with XXXX credit monitoring companies. I have done that. 
The heartland reference number is XXXX. The XXXX number is XXXX.
Consumer complaint received 2022-01-19
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. (MS)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED
Consumer complaint received 2024-07-01
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. (NJ)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person with a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

The obvious infractions are as follows : 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 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 XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

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 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 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am so confused because how did I go from having credit scores that have given me opportunities and opened doors for so many applications for me but now I can no longer do that because I am hindered by the fact that inaccurate information has been reported in my credit report without the company verifying if everything is checked with 100 % accuracy. This is so disappointing!