davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-25
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CT)

XXXX female, XXXX ( XXXX yo ) believes it was a XXXX  XXXX  under the guise of a Home Depot credit card. When this elderly female tried to explain to XXXX XXXX the misappropriation of funds, they said they couldnt help because there was no credit card number to produce. This left this female very distraught and worried the attack could go deeper and take more of her money. This is an allegation of misappropriation of funds. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/XXXX there was an credit account opened using my personal information. the name of the credit account is XX/XX/XXXX, account number # XXXX. date opened of the account was XX/XX/XXXX. the date the account was closed XX/XX/XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

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 2024-07-29
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. (LA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Facts : On XX/XX/XXXX, I obtained a free credit report from Equifax via XXXX. I noticed that my payment history for XXXX XXXX XXXX XXXX XXXX Account was reported incorrectly. It was reported that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. ( See document 1 ) On XX/XX/XXXX, I disputed this error with Equifax via their web dispute portal and provided a screenshot of my payment history for this loan account. The screenshot showed that I was making payments during these months and not XXXX days late. During that same day on XX/XX/XXXX, I called XXXX, who is the loan services provider for this XXXX XXXX XXXX XXXX XXXX Account to confirm my payment history and they were able to confirm that the payments were not late during that period. XXXX also created a case to correct my payment history with Equifax and promised to call me back with the resolution. ( See document 2 ) On XX/XX/XXXX, Equifax completed their investigation of my dispute and provided me with a new credit report with updated information on the disputed account. However, I noticed that the information Equifax updated contains additional erroneous information. This new report with the updated information showed that between XX/XX/XXXX through XX/XX/XXXX I was XXXX days late. I am utterly confused as to how Equifax verify and obtain this information because this entire account was paid off as of XX/XX/XXXX. ( See document 3 ) On XX/XX/XXXX, I submitted a second dispute with Equifax via their web dispute portal. This time I included 2 documents showing that the loan account was paid off including the final statement showing the final payment amount which can be confirmed via document 1. ( See document 4 and 5 ) On XX/XX/XXXX, Equifax, again, closed my dispute and provided me with an updated credit report. This new credit report still contains erroneous information. 
On XX/XX/XXXX, XXXX called back and notified me that they have updated my payment history for XXXX of XXXX. This was not the resolution that I needed.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (TX)

Many years ago I opened an account with my mom and the signers of the account were set up as herself, myself, sister, brother, and my uncle, her brother, at PNC bank. This account, with these signatures, was in effect for about XXXX years. Over a year ago my mother was setting her affairs in order because she was declining in health and she was not able to go into the bank. She and her lawyer entrusted me to take everyone else off of the signature card ( my uncle was already deceased ) except myself who was named trustee. This was to ensure all money in her account would be used for expenses and the trust, and there would be no question about who had access to it after her death. 

To achieve this, I went into PNC to let them know that I was the Power of Attorney ( I submitted this paperwork to the bank ) and I wanted to take everyone off of the account except myself who would be made trustee of the estate after her death. I waited over two weeks to get the OK to come in and sign a new card. I signed this card... thinking that they were making me the sole signer of the account. The day my mother passed, XX/XX/2023, I went into the bank to withdraw money from the account to pay for her funeral, and they said that I did not have access to her account when she died because I had signed as a POA. I asked to see the card that I signed and it DID NOT say POA, it had 3 initials next to it that I had no idea what they meant. The bank representative said that meant that I was her POA and at that time they froze her account. I had my lawyer contact the bank and, the corporate office contacted me several times, and after someone at the corporate office admitted they didn't even know what those 3 letters meant, and that I was unaware that I card I was signing was to only be her POA not to be a signer of the card. I am sure this call was recorded when he admitted it. Even with that being said, he informed me that her trust nor myself could not access the account. ( I was the one who opened the account with her, I was the one who was on it for 20 years AND I was the one who went in to change the card to be the only signer. 
MONTHS went by and PNC said we would have to go to probate. 

I and the trust 's lawyer went to court XX/XX/XXXX and the judge ordered the money to be put in my mother 's trust. I brought the papers over to the bank the same day and they said it would be XXXX days. It has now been a month and the bank still hasn't turned over the money to her estate, even though the court ordered this. In addition to this they will not give a phone number or person to contact even after repeated emails.
Consumer complaint received 2024-07-29
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. (LA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX  XXXX located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt. 

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request. 

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records. 

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution. 

Sincerely,
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc. (MA)

I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC XXXX
Consumer complaint received 2024-07-29
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. (NJ)

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 XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (TX)

Discover Financial and Personal Loan Services calls my phone, my family, my friends, and my XXXX mother 's phone every day. Discover Financial calls everyday and several times in a day asking for my whereabouts and harassing my associates which include co-workers, family, and friends. We have received over 7 -10 calls in a day. As soon as we open our phones and browse the Internet or make a call, a Discover Financial representative will try to interrupt our call or leave a voice message. 

Discover Financial and Personal Loan Services calls at odd hours and on holidays. They call pretending to be colleagues. For example, they may open their conversation or call with statements such as, " XXXX! XXXX! XXXX! '' I have asked them to not contact me ; however, they still flood my E-mail with letters and call me frantically everyday. I am scared to answer the phone at work and my job requires me to answer phone calls constantly.
Consumer complaint received 2024-07-23
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)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There is an error of a Mortgage account reported on the credit report belonging to XXXX XXXX XX/XX/XXXX. We have recently filed a lawsuit and this account needs to be removed while litigation is pending and the matter resolved. This debt is not valid. 

I dispute this debt, I dispute all claims of contract 15 USC 1692g.
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

Company placed my loans on forbearance without my permission. They made mistake with documentation. I have used both their service and have called. Each time I have either gotten no response or response that is completely irrelevant to the questions I proposed or someone who told me they would fix the problem within five business days and yet it has never been done. I have been working on getting a response now for over two months and yet have not heard a word overall, my impression is that this company is completely incompetent. I am also perturbed that they have continuously made decisions about my loans without my permission, and without notification about such decisions.
Consumer complaint received 2022-10-29
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. (SD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax XXXX XX/XX/XXXX : Equifax The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2024-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX XXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. High Balance : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. XXXX XXXX : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account XXXX : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX list Bank XXXX XXXX. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account XXXX : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit XXXX XXXX XXXX XXXX {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Consumer complaint received 2024-07-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received a 30 day late status on my Credit report with all XXXX Bureaus. I was never Late on my Capital One Credit Card, I have been a loyal customer for over 5 years. In fact, I spoke with the Creditor and supervisors about this situation on several occasions. I also explained to the representative that I will be recording the conversation for my own records. The creditor admits the Late fee is an error and even refunded the {$40.00} late fee on XXXX XXXX. I included my bank statements as proof from the creditor the 30 Day XXXX in XX/XX/year> is Paid as Agreed. XX/XX/year> thru XX/XX/year> statement shows {$340.00} mobile online payment was paid on time and the {$40.00} late fee was refunded. Then in the next bank statement XX/XX/year> thru XX/XX/year> shows the minimum payment was {$340.00} however, I paid {$800.00} on time and the {$40.00} late fee was also reversed. I have reached out to the creditor to contact the bureaus to update this error but I have not heard from the Creditor or the Bureaus in over 30 Days. However, when I check my Credit Report it is showing the investigation is complete but I never received any investigation results in the mail at my Current address they have on file. I thank you in advance for your help in resolving this matter. Thanks
Consumer complaint received 2024-07-28
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. (PA)

I am a victim of XXXX XXXX, I will attach my letter to the bureau Aswell as my XXXX lettter that is notarized proving my case. Please remove XXXX XXXX XXXX, XXXX, and both XXXX XXXX  accounts from my report. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX