davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to file a formal complaint against Equifax for their failure to correct inaccurate information on my credit report despite multiple attempts to resolve the issue since XX/XX/XXXX. 

Details of the Issue : Credit Bureau : Equifax Confirmation # : XXXX Account Name : XXXX XXXX Account Number : [ Account Number as listed on the report ] On my Equifax credit report dated XX/XX/XXXX, there is an incorrect entry showing a XXXX late payment ( status code " XXXX '' ) as of XX/XX/XXXX. However, the last activity on this account was in XX/XX/XXXX, and the account has been paid in full with a {$0.00} balance since then. 

Attempts to Resolve : Since XX/XX/XXXX, I have contacted Equifax multiple times to dispute this inaccurate information. I have provided them with documentation from XXXX XXXX  confirming that the account was settled and paid in full as of XX/XX/XXXX. Despite these efforts, Equifax has failed to correct the error, causing ongoing damage to my credit score and financial standing. 

Impact : The erroneous late payment entry from XX/XX/XXXX has negatively impacted my credit score and has caused significant stress and inconvenience. I have been diligent in trying to rectify this mistake, but Equifax 's failure to act has left me with no choice but to seek further assistance. 

Requested Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Equifax corrects my credit report. Specifically, I request that the erroneous late payment entry for XX/XX/XXXX be removed, and the account status be accurately reported as paid in full as of XX/XX/XXXX. You have to see the months of reporting is when I did not own the home. 

I appreciate your assistance in resolving this matter promptly. Please do not hesitate to contact me at the above address or phone number if further information is required.
Consumer complaint received 2024-07-30
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. (VA)

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 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OK)

Hello, This is about a Synchrony XXXX card. I payed my bill on time and received a confirmation email that I had payed XXXX dollars to the account on XXXX. It apparently never went through and used the wrong account number. I called them and explained that I was unaware of this and they refused to wave the late fee. I went ahead and payed the card off after trying to resolve this issue. When I went to pay, all of my saved accounts to pay with were gone. Seems suspicious to me. I dont feel like this was handled appropriately and feel like a victim here.
Consumer complaint received 2024-08-29
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. (TX)

I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Fraudulent accounts and inquiries appearing on credit report. 

XXXX. XXXX XXXX XXXX Co {$340.00} XXXX. XXXX XXXX XXXX {$360.00} XXXX. XXXX XXXX {$450.00} XXXX. XXXX XXXX {$340.00} Inquiries XXXX. XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX
Consumer complaint received 2016-01-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (PA)

My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX
Consumer complaint received 2024-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC. (TX)

According to the IRS & law 15 USC 1681, canceled debit ( charge off ) is ordinary income that should not get reported on my consumer report. With that being said Ive never received 1099 c forms from the company on my consumer report. 
Santander consumer U to discharge and remove this inaccuracy.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have sent a letter to the credit reporting agencies. XXXX, Transunion, and XXXX. 

I have sent letters asking for a reinvestigation of accounts in question on XX/XX/2024 in accordance with FTCA Public Law 91-506 requesting validation and information of the individuals they verified the information with. 

I have not received the results of the investigation or if the investigation has even began and has now been over 30 days. I sent a follow up letter via certified mail demand to comply with yet no response. 

The credit companies are not complying with their own policies in a timely manner. 

I ask that they remove the accounts in my letters immediately.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

The information listed below is being reported on my credit profile incorrectly, I've asked the bureau 's to remove the inaccurate information numerous times but I have yet to receive a response. I would like for XXXX XXXX and Equifax to do a thorough investigation on incorrect accounts reporting on my profile. 

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 negative XXXX opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$710.00} Status Collection account. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. {$1300.00} past due as of XX/XX/XXXX. 
Important Messages
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (NY)

Two hard inquires unauthorized. This was fraud and I would like for both inquires to be removed from credit report. First one was XXXX XXXX XXXX on XX/XX/2023 and the other one was XXXX XXXX XXXX XXXX done on XX/XX/2023. 

Regards, XXXX XXXX
Consumer complaint received 2024-06-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I reached out to Navient ( formerly Sallie Mae ) for a XXXX XXXX XXXX XXXX  for the private loans I had taken out ( with my late mother and another co-signor ) to attend XXXX XXXX  XXXX XXXX XXXX XXXX from XXXX. This school has been federally named as engaging in misconduct and for its participation in facilitating predatory lending through its preferred lender, Navient/Sallie Mae . 

The school and its representatives made untrue or misleading statements to persuade me to attend and to remain enrolled. 
The school also concealed, suppressed, and omitted information that would have otherwise informed my decision to attend or remain enrolled. 
Furthermore, the school used aggressive and deceptive recruitment tactics. They pressured me to enroll and take out loans and discouraged me from discussing these decision with my family and friends. 
Ultimately, the school failed to live up to its obligations under a contract. 

After paying on those loans for XXXX, the recent XXXX of my mother ( a co-signor for those privately held loans ) led to the Court-ordered repayment of those loans through the XXXX XXXX XXXX XXXX and funding from her XXXX just a few short months ago. 

As such, my request for a XXXX XXXX XXXX XXXX was denied by Navient. 

I am requesting that the CFPB look into this matter further please. 

I was defrauded by my school and should not be prevented from or deprived of applying for financial relief and for justice to be served on predatory private loans that I paid on for the past XXXX years based on the bad timing of my XXXX XXXX and subsequent mandated repayment of those loans ( through the Court ordered XXXX XXXX XXXX XXXX ) literally a few short months before the distribution of the XXXX XXXX XXXX XXXX. 

It should also be noted that I am a post-class member of the XXXX XXXX XXXX XXXX XXXX  case relating to my Federal loans ( now held by Navient ) as well. 

I appreciate your time and thank you.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

I inquired about the possibility of closing a business checking account I recently opened at BMO bank XXXX, California branch, the next day, the branch manager at BMO bank went into my personal and business accounts to alter my telephone number ( change XXXX digit on my cell number and change the area code of my business number ) AND change my email address ( deleting one letter from the address. ) I believe the intention was to block me from receiving information of my accounts. I also received notifications of log-in attempts from unregistered device caused my on-line log in been locked up. Her actions were confirmed by BMO customer service with her digital footprints. I have not initiated, requested nor authorized these changes. 

I expressed my concerns about this bad actor having access to my PII and requested to escalate this case to protect myself, I was promised to receive manager 's outreach call the next business day, but no one contact me for the first XXXX hours of the next business day. I called into BMO 's fraud reporting department and was told to sit on my hands to wait for their call. I was told there's nothing I could request or do as a victim and as a customer. when I requested to speak to a supervisor, I was told there's no supervisor will talk to me. the person on the phone said he is the highest position I could talk to. 

in addition, after the initial discovery, an unknow payment was done form my account to a credit card company without card number, the result brings the account to negative balance. I filed for dispute with the bank, I do not have more details of this transaction. The bank couldn't provide digital footprint this time. I do not know the safety of my XXXX XXXX.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, Local Government XXXX : # XXXX, Local Government XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX ( amount : {$3700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( amount : {$660.00} ), XXXX XXXX XXXX XXXX XXXX ( amount : {$650.00} ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Since XX/XX/XXXX, Capital One has been holding my money, an amount of {$5100.00}, which comes from my salary and some XXXX transfers from my father. They blocked the money and closed my account, allegedly because they needed to verify its source. I have already sent the necessary documents, but I still haven't received a response. Every time I call, there's no new information. They don't give me any answers or solutions ; Capital One still has my money and refuses to give it to me. I need that money for my family 's livelihood, and they simply refuse to give me access to my money. In short, they are playing with my time and my money.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (NY)

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please 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 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MO)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Kikoff Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my KIKOFF LEND - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (NJ)

Kikoff is currently reporting late payments on my credit report. However, under the FCRA, specifically, 15 USC 1666b late payments are prohibited from being reported. this information is adverse to me and has negatively affected my credit
Consumer complaint received 2024-06-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc (NE)

I want PayPal to stop messing up my account it is No Suspicious Activity on my account PayPal is lying I want them to prove they lied and I HAVE OPENED A NEW ACCOUNT I AM DEMANDING PAYPAL TO RELEASE MY FUNDS TO PUT IN MY NEW ACCOUNT AND I DO NOT WANT NO XXXX FROM PAYPAL ABOUT CLOSING THIS NEW ACCOUNT Telling LIES IT IS SUSPICIOUS ACTIVITY WITH MY NEW ACCOUNT Paypal NEEDS To Shut DOWN ALL OTHER ACCOUNTS ON MY NAME AND SSN The Email ADDRESS FOR NEW ACCT IS ( ( XXXX ) ) is my new account go through XXXX XXXX using the back offices and XXXX XXXX  for any other accts. In my name and shut them all down my new account is under this EMAIL ADDRESS ( ( XXXX, ) ) DELETE ALL OTHER ACCOUNTS NOW AND STOP CLOSING MY ACCOUNT PLEASE CALL ME LIKE I HAVE ASKED THE MANAGER AND NOT ONE HAS CALLED O NERD TO TRANSFER MY FUNDS TO NEW ACCOUNT YOU CAN NOT HOLD MY FUNDS FOR OVER 120 DAYS AND I HAVE REFUNDS GOING Back TO CARD HOW DO I GET MY MONEY BACK
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (MS)

I reached out via XXXX in an investment group I am apart of, i got several responses. had been in communication with a person named XXXX XXXX We spoke on the phone, and text about how his process works I requesting funding for fix and flip in the amount of $ XXXX I was then asked to fill out an application, then to send over bank statements which I did, ID typical loan request, The company then sent over an agreement and text stating Once I Sent over {$1700.00} and sent them proof of wire confirmation which was done on yesterday XX/XX/2023 they would wire me $ XXXX shortly after that did happen I then was told by company they needed to make sure the funds hit their account then around XXXX XXXX the person inboxed me through whatsapp which before we were only communicating via phone or cell text. they started i needed to pay {$17000.00} insurance fee to get the funds, however they wound up sending the $ XXXX through an app called XXXX which i never heard the bank info on the agreement and where we sent the funds to was a domestic account through XXXX XXXX. once I told him i am sending any moe money he cancelled the transaction through XXXX, and then he texted me saying getting money from me was too easy and to call the fbi, he said he wasnt giving my money back although he has agreed to, I called the bank about 20 mins ago and spoke to a lady who said there was nothing they could do because the funds already left my account, I am requesting for my bank to request thefunds back from XXXX due and flag this guy as a scammer. the wire was sent to XXXX XXXX XXXX with XXXX XXXX, person name is XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-05-16
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. (IL)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

According to the fair credit reporting act all inaccurate items must be removed from my credit I didnt authorize these charges XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX