davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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 — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. 
I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX  days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts??
Consumer complaint received 2023-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (NJ)

I am writing to you regarding the Fair Credit Reporting Act ( FCRA ) and a complaint I have regarding your attempts to sue me for a debt while I am currently experiencing financial hardship. 

As you are aware, the FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. The purpose of this law is to ensure that credit reporting agencies and creditors, like yourself, follow fair and accurate practices in their dealings with consumers. 

Despite my current financial crisis, you have chosen to take legal action against me for a debt that I am unable to pay at this time. This action is in violation of the FCRA, which prohibits creditors from taking legal action against a consumer who is experiencing financial hardship. 

Furthermore, the FCRA requires that creditors like you report accurate and complete information about a consumer 's credit history. In my case, I believe that your reporting of this debt has been inaccurate and misleading, as it fails to take into account my current financial situation.
Consumer complaint received 2024-07-08
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. (TX)

Recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my livelihood and credit health. 

Collections XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (MN)

Hi, This is an official complaint regarding the handling of my student as a XXXX XXXX. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of 3 collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the XXXX and the Federal Trade Commission, and I also forwarded it to XXXX XXXX. 



XXXX XXXX
Consumer complaint received 2024-06-05
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. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-24
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. (MN)

Hi, This is an official complaint regarding the handling of my student as a doctoral student. I am at the end of my coursework and working on my project. This has never happened to beforehand, and the person handling my appeal is be negligent. I have sent documentation and also explained my circumstances. She insists on getting a credit report, but there is fraud on it and other incorrect stuff. I start school on XX/XX/28. I am tired of explaining and her denying my school loans because of XXXX collections of accounts that need to be corrected. 



That is incorrect. My stuff is under investigation for fraud. So that is only possible once they are done fixing everything. So, I need to reach out to someone myself. You are holding up the process and making it difficult for me to complete or complete anything. I explained the situation, and you need to be helping. I don't need payment arrangements on balances or information that is correct or fraudulent. Plus, the medical bill is coded wrong and should be covered under my insurance. I called XXXX, and they told me to call XXXX and XXXX, which must be corrected. My charge card from XXXX was just closed because of identity theft. You can not get a credit report when it is under investigation. So, this is my formal complaint to the CFCB and the Federal Trade Commission, and I also forwarded it to XXXX University. 



XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding XXXX XXXX  XXXX on my credit report.
Consumer complaint received 2024-06-06
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. (NC)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-06-05
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. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

Hello, I am currently in a small coastal town in XXXX and my US phone and XXXX don't work here. 
When I try to log in to my Cap One accts it says I need additional verification and offers only one option : call or text on my cell phone. 
Below it says if that is not an option press here. I press and get a cheery message saying No problem just call this number and we'll get you access to your accts. Well I can't call using either cell or XXXXXXXX XXXX so I download and pay for XXXX and call the number. 
So far since last week I've logged hours talking to a variety of people with a variety of titles and not one can offer me a way to access my accts to check transactions and pay my bill on time. 
They do all apologize however. 
In the past they would ask XXXX like... what was the name of your best friend in kindergarten or what is your sister 's dog 's name, etc. That is no longer an option they say. What option have you replaced it with ... ..well ...? 
Also I ask why do you offer the XXXX number ensuring me that that will solve the problem ... .well... 
I suggested that they look into XXXX XXXX XXXX XXXX and one person had heard of it but apparently it is not an option.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

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 2023-08-24
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: Experian Information Solutions Inc. (GA)

I received a notification from the credit card company about a pass due amount on the credit card. I contacted the company to dispute a charge that was not authorized. The credit card company removed the charge and sent information to the XXXX credit reporting agencies. I also filed a dispute with the XXXX agencies. As of today, I am still receiving damaging information about my credit file at Experian. This negative information is affecting my ability to get credit. The other XXXX agencies have resolved this issue. 

i have attempted to reach them o discuss and it is impossible to speak with anyone. The automated system is horrible.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ARVEST BANK GROUP, INC. (TX)

On XX/XX/XXXX I sent a letter to your company via mail regarding an account that I have with your company. I am only submitting this through CFPB as another form of communication because I have not heard back regarding the late payments on my account. I have been a loyal client since XXXX and I really appreciate our business relationship. Please see the attached letter that was mailed on XX/XX/XXXX. I really hope to hear a favorable decision from Arvest Mortgage. The account in question is ARVEST MORTGAGE XXXX
Consumer complaint received 2023-08-24
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. (CA)

On XX/XX/2023 my student loans were transferred from XXXX to a different servicer, XXXX. These loans are still showing as being active with a balance due to XXXX on my credit report but they are not, as they have been transferred to XXXX and as a result were fully paid on XXXX 's end. XXXX had not reported any updated information to Experian credit reporting since then. I filed a dispute with Experian and contacted XXXX, XXXX stated to me that this information was correct and they would send updated information to Experian that would remove these loans from my credit report. They did not, instead they reported the balances as being higher than the last report and that they are still actively due.
Consumer complaint received 2023-08-24
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: Experian Information Solutions Inc. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXI XXXX, XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2024-06-05
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. (MS)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My debt was sold to a third party and it does not show as paid. It is supposed to be shown as paid for less or paid since it was already paid when the debt was sold. Accounts- XXXX, capital one
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (WA)

Card will reflect previous name, XXXX XXXX. 
I opened this account when I was in my early XXXX, they provided minimal information, explaining that if I pay my balance in full there is no interest. I verified since I hadnt had much history with a large credit limit card. Ive since racked up a lot of debt which Ive struggled to get out of because the interest rates were higher than what I was paying towards to principal and I had no additional income to put towards it. Ive finally, after many years, payed off the card balance in full and have a financial plan to never again find myself in that position. I partly blame this position on Chase, which gave me access to a lot of potential debt and didnt provide any education or resources to learn financial responsibility. Regardless, Ive paid the balance in full and was hit with a large interest charge two weeks later. When I spoke to them on the phone, both a regular representative and their supervisor, they now explained that a revolving balance accrues interest daily. They said its always been this way, yet the many times Ive called and spoke with card representatives, no one has bothered to explain this. Ive tried to get their assistance in finding ways to pay the card down previously and was met with, just try your best and if you have extra money, put it towards the balance, which was unhelpful. This interest charge, and now explanation of a seemingly new to me policy, feels like Chase is punishing me for becoming financially responsible and educating myself. The said they arent able to do anything with the interest. Does this mean they will be continuing to charge interest on their own interest balance? Its ludicrous. There needs to be some transparency and responsibility put on the company as well as, not just me.
Consumer complaint received 2023-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I sent money ( {$260.00} ) via Venmo to a XXXX  relative on XXXX, XX/XX/2023 by mistake. I contacted Venmo as soon as they were open the next business day XXXX, XX/XX/2023 to inform them of the situation. I requested that the money simply be returned to my Venmo account. I verified what account I sent it to, and which account I meant to send it to. They stated her next of kin would need to contact them which they did. They electronically provided Venmo with her death certificate and her daughter 's identification. Venmo then indicated this was not enough and they would need probate papers. Her estate did not go through probate as she had no assets. They are still refusing to reverse the transaction and return my funds. The phone, bank, and debit card associated with her account no longer exists and have been closed so there is not a way to access her Venmo account directly to return the funds. The fact that they were provided her death certificate by next of kin should be sufficient.
Consumer complaint received 2023-11-06
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX