davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-06-02
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. (IA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!
Consumer complaint received 2024-09-27
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. (MO)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-09-23
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. (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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

XXXX XXXX XXXX - XXXX Has not undergone certification to conform to recognized reporting standards. It is imperative to acknowledge that this data might be incomplete, outdated, or unsupported. Thus, I respectfully request the removal of any inaccurate or unsupported material from this page to ensure accuracy and reliability. Your prompt attention to this matter would be greatly appreciated. 

XXXX - XXXX I respectfully request that any detrimental aspects related to the allegations made against me be expunged from my credit report. I belief that this item may have been reported unjustly, lacking the necessary authentication, or even in violation of the law. It is my understanding that the law requires the expunction of the accusations of late payments associated with this item. Thus, I request that such allegations be deleted from my credit report promptly. 

XXXX XXXX XXXXXXXX I regret to express my disappointment regarding your failure to furnish comprehensive documentation substantiating your adherence to compliance reporting standards and relevant consumer laws. This glaring deficiency is of utmost concern. I hereby insist that this flawed and inaccurate report be expunged without delay, failing which, legal recourse shall be pursued against your company for its non-compliance with specific statutory requirements about these matters. We must possess a thorough understanding of the content showcased in documentaries to safeguard against potential unforeseen issues that could have been averted had meticulous attention and conscientiousness been prioritized over mere convenience. 

XXXX XXXX XXXX - XXXX I believe that this item may have been reported unfairly, without proper certification, or even unlawfully. Specifically, I demand that the allegation of late payments associated with this item be deleted immediately, as required by law, and removed from negative reporting.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB (CA)

I previously have received a counterfeit product from XXXX using klarna as a method of purchase. The issue is that after I returned the product to XXXX and provided them and Klarna with the proper shipping information that proved the product has arrived to their address, both Klarna and XXXX failed to respond to the refund and details. XXXX failed to respond to my attempts to contact them about the matter and Klarna failed to properly conduct my dispute and remove the balance on my account for the charged amount. During the investigation to the dispute, a Klarna " dispute specialist '' asked for me to submit details and information about the product and its return in white i CLEARLY submitted the information to them in the form of screenshots like the ones in the XXXX. However, the supposed specialist handling the disput failed to respond to my emails, acknowledge and verify the information, and also reactivate the payment plan ahead of time before the date they mentioned they would do it if I was not to send them the information I already did. I expect them to get back in contact with me as soon as possible and to cancel the payment plan and remove the balance of the product i have CLEARLY have sent back to the business. At this point there are charging me for a product I no longer have because I have sent it back after they have failed to review the information I have sent them.
Consumer complaint received 2024-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (IN)

Got it! Since you did not consent to receiving notifications via email, heres an updated version of your CFPB complaint : Subject : Complaint Regarding Improper Collection Reporting Without Proper Written Notice Dear CFPB, I am writing to submit a formal complaint regarding the improper handling of my account by XXXX XXXX XXXX ( Account No. XXXX ). This account was sent to collections without proper written notice. 

I did not consent to receive communications via email, and I never received any written notice by postal mail informing me of the debt or giving me the opportunity to address the issue before it was sent to collections. As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written notice of the debt within XXXX days of their initial communication, and since I did not consent to electronic delivery, this notice should have been sent by postal mail. 

The lack of proper notification deprived me of the opportunity to resolve this debt before it was reported to the credit bureaus. I only found out about this when I pulled my consumer report. I am respectfully requesting that this collection be removed from my credit report due to the failure to comply with FDCPA requirements. 

Requested Resolution : Removal of the collection account from my credit report due to improper notification. 
Confirmation from XXXX XXXX  XXXX that the collection will no longer be reported to the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

The company didn't advise that my credit limit was reduced from {$5500.00} to {$1700.00} I was confused because I had made a payment for {$1600.00} & my card was declined for a purchase of {$150.00} when I thought the total balance on my account should have been lower than {$1700.00}
Consumer complaint received 2024-10-29
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Maximus Federal Services, Inc. (FL)

XXXX ) XXXX XXXX for not disclosing loan details and interest rates. 
XXXX ) XXXX  for confusing loan terms/language and XXXX ) inaccurate payement/interest rates XXXX ) as well as increasing interest rate during presidential / national forbearances ). 
XXXX ) Full XXXX XXXX as a predatory private institution for promising post graduate job placement and results that it did not meet. 
XXXX ) XX/XX/XXXX and XX/XX/XXXX lost lawsuit of above loan providers.
Consumer complaint received 2024-10-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

The branch of Truist Bank that we use is located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

My wife and I had XXXX loans in XX/XX/year>, {$80000.00} in a home equity line of credit and approximately {$120000.00} in a HELOC fixed draw at 3.89 %. We paid off the line of credit on XX/XX/year>. 

We now have one payment, for the fixed draw, of {$1100.00}, due on the XXXX of each month. We use the Truist online banking application. 

My complaint is that, for XXXX, without explanation or notice, Truist Bank applied the entire HELOC fixed payment of {$1100.00} to interest, ( {$0.00} to principal, ) and for XXXX, {$970.00} to interest and only XXXX to principal. 

Our latest HELOC fixed draw payment, for XX/XX/year> was {$730.00} in principal and {$410.00} in interest, so I know that we should have been credited around {$700.00} for a principal payment in XXXX and in XXXX. 

My wife has met several times with, and requested an explanation and correction from, XXXX XXXX, XXXX XXXX at XXXX. My wife was given the number for XXXX XXXX, Client Resolution Specialist, who told her that we had not made any payments and then sent a letter dated XX/XX/year> to explain how interest rates are calculated. 

My wife met with XXXX again and was given XXXX XXXX XXXX  XXXX, Branch Leader at XXXX. XXXX said the matter had been taken to the top level and the decision complied with every banking regulation. It could not and would not be changed, there was nothing more that we could do and no one else to talk to. She also refused to explain the action saying that she would not discuss " hypotheticals '' with my wife.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Klarna AB (CA)

notice transaction i didn't approve so i ask to cancel account and close, i was told it was a clitch and and new feature account woud be back to normal but money was taken out of my XXXX  accont and transfered to this card that i am trying to close
Consumer complaint received 2024-10-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P&B Capital Group, LLC (MN)

I sold a company 5 years ago for {$0.00} that had some debt. The new owners assumed the debt. A collection agency has been contacting my friends and family for the last month out of nowhere telling them about the debt, which has created a lot of embarrassment and concern. This person continues to call my wife, XXXX XXXX, several friends of mine. I have already spoken to the agency and informed them I have no intent to pay on the debt. The individual calls themselves a mediator who has paperwork that shes going to act on. Its become very intimidating as I have a newborn son at home and my wife is ill. The individuals name is XXXX XXXX, she will not stopping calling my family and friends. She says she is with PNB Capital Group. She leaves her number as XXXX XXXX XXXX.
Consumer complaint received 2024-10-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IL)

I decided to purchase some gift cards to have access to a card while I straightened an issue out with my bank. I have tried using it at XXXX, online stores, ETC and I have gotten turned down to use them at any of those places. I have about {$450.00} in gift cards I can not use?
Consumer complaint received 2024-10-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (GA)

I have loans with XXXX  and I need these loans forgiveness, it has really been hard making payments on these loans ... the interest is extremely high and the reporting on my credit is credit issues with other purchases I want to make ... .I want to to be considered for the loan forgiveness program with navient
Consumer complaint received 2024-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (UT)

I submitted an application for the XXXX XXXX repayment plan on XX/XX/year>. 

AidVantage is supposed to temporarily place my account in forbearance while processing the application, per XXXX 's federal website : " If you applied for the XXXX XXXX close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' They have refused to process this forbearance. I am unable to get anyone from AidVantage available on the phone to speak with me to do this, despite AidVantage 's customer service refusing to do so via chat. I am submitting this complaint per their failure to act.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (GA)

I paid off these accounts and they are still reporting on my credit report. 
XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XX/XX/XXXX late payment XXXX XXXX XXXXXXXX inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXX CT XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dated back to XX/XX/XXXX. I've made over 20 phone calls to BoA. I opened multiple claims, provided all requested info over the phone, and faxed in 41 pages of evidence to prove I am the victim of fraud. This includes a police report, complaints with multiple other federal agencies, and another CFPB complaint ( XXXX ). After placing the cited CFPB complaint, the 2 claims cited there were permanently refunded ( with no explanation and no contact ). BoA still owes me {$30.00} and refuses to help me neither on the phone or at a local branch. BoA claim XXXX for {$29.00} is still outstanding. It was not included in the original CFPB complaint because I was not yet notified that it was denied. For this claim, I am only requesting {$29.00} of the {$61.00} denied. I fully explain this in my attached letter, which was sent to BoA through a bank center on XXXX XX/XX/XXXX. Please help me close this out.