davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-14
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. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT, XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS./ 15 U.S.C 1681 SECTION 602 A. STATES | 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
Consumer complaint received 2024-06-14
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 hope this letter finds you well. I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.
Consumer complaint received 2024-06-10
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. (NC)

I just recently looked at my credit report XXXX, I saw some hard inquiries that did not have a permissible purpose. I also attached evidence : Name : Equifax Date : XX/XX/year> These inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681B.
Consumer complaint received 2022-09-17
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair credit reporting act XXXX  Account XXXX, XXXX, XXXX, XXXX, XXXX 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 instruction.
Consumer complaint received 2024-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

On XX/XX/year>, I made a payment of {$30000.00} for the total of my loan amount. I received a payment confirmation email and confirmation number that same day. It took a few days but I checked the Aidvantage website again and my balance was {$0.00}. I thought I was done, Aidvantage reversed my payment ( this previous times for the amounts of {$1400.00}, {$2500.00}, {$380.00} and {$490.00} on separate occasions ). I researched why this would occur and there were suggestions that the routing and account numbers were not correct. I never changed these and made payments before. The details were correct, I didn't change anything so I decided to see if they would allow me to make the minimum payment and they accepted the payment of {$680.00} and applied it entirely to the interest. I made another attempt today ( XX/XX/year> ) for the amount of {$30000.00}. I have submitted an email asking my my payments in full are not being accepted and currently waiting for a response.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: U.S. BANCORP (TX)

On or about XXXX XXXX XXXX applied for US Bank Business credit card based on the invitation that I received. I was suppose to get my credit card by XXXX XX/XX/year>- which i never got it. I called and chatted and I was told that it might take 7-10 days and I can figure out that these folks have no clues in terms of what they are talking about? 
I asked for tracking #- they had-no tracking #. I was told to ask a specific phone # which i called on XXXX XX/XX/year>. They ordered a replacement card with expedited shipping and assured of tracking # will be available next day. 
Well there is no tracking # at all. 

On XXXX XX/XX/year>, called US Bank once again and talked to XXXX Confirmation # of the complaint is XXXX I really needed this card well in time. 

The problem with this US Bank- too big, too ill managed, too fragmented and absolutely no accountability or ownership. 
This bank should be broken down into more manegable pieces so that it can be managed properly Moreover they are very dishonest or non transparent. Most of the jobs in XXXX- they are not doing any fair hiring- mostly cheap XXXX workers are hired who are not good.
Consumer complaint received 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CA)

I added XXXX dollars to my account for the first time. When I withdrew, my account was restricted. But after an entire month, with over XXXX tickets filed, I have not received any response and am unable to access my money.
Consumer complaint received 2024-08-28
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : CAPITAL ONE - XX/XX/2023Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of this inquiry.
Consumer complaint received 2024-07-26
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (SC)

I applied for a modification with Mr.Cooper back in XXXX. I received a complete acknowledgment letter advising that my application was complete and I would hear something in 30 days as of XX/XX/XXXX. I called in on XX/XX/XXXX and was advised that I was denied for the traditional loan due to my income and they were submitting for a XXXX  Special Trial Loan and that would take another 30 days. I never withdrew my application or received a denial letter so that was violating the 30 day rule. I called back in the next day on XXXX spoke with another representative only to find out that they calculated my income only and did not include my husband income. He is on the mortgage not and deed and his income needed to be added. Between me and my husband income we grossed over XXXX but we only got credit for XXXX. The rep that I was talking to then reached out supposedly to her manager and was told I was denied because they were unable to lower the payment and they just marked it as denied due to hdti being out of range. They advised me that they sent my file back to underwriting to be evaluated for a different type of mod. I have made numerous phone calls to my rep she isnt calling back. The reason my account is behind is because I applied for a modification with this company last year at 28 days past due and it took them 3 months to let me know I was denied. This company has violated per the CFPB violations in this situation twice. For one they are out of the 30 day compliance and two they didnt include all my income sat they denied me for that reason but went on to say they dumped me because they could lower the payment all of this with nothing in writing but the complete acknowledgment letter that they fail to adhere to. I want all of my income included and I need answers. I am going into 90 days past due and can not afford an illegal foreclosure because they are acting as if they dont have to adhere to laws and guidelines. I want all of our income included in this evaluation.
Consumer complaint received 2024-08-14
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. (NY)

I noticed unauthorized inquiries on my credit report this evening and am at a loss as to why theyre there. I regularly check my credit report, but this time there were discrepancies that seemed to come out of nowhere. I even refreshed the browser to see if it was a technical issue, but the unauthorized inquiries remained. Im deeply disappointed by this and ask that my documents be thoroughly reviewed to prevent this from happening again.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-14
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. (SC)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2022-09-18
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. (TX)

I have written several letters to Experian, XXXX, & XXXX about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.
Consumer complaint received 2024-07-26
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. (MI)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-26
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. (GA)

Despite careful examination of my credit report, I identified inaccuracies. The three credit bureaus are legally obligated to verify this account according to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is impermissible to refrain from validating these reported account as unverified without providing supporting evidence within the stipulated legal timeframe. The listed account on my credit report that necessitate an investigation and correction due to erroneous reporting is as follow : XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with DEPTEDXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 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. 

DEPTEDNELNET 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 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP (IL)

Hello my name is XXXX XXXX XXXX This will be my second time reaching out to CFpb. I call key bank in XXXX til this present day now they keep telling me they mail internal revenue back my check so internal revenue can reissue me another check. Key bank states XX/XX/XXXX it shows irs cashed the check. I reached out to irs they stated they havent received a check and they asked me to reach key bank to ask for the checking number or reference number so they could locate the check. I asked keybank and XXXX XXXX multiple times and they refuse to give me the check number and reference number. They stated they are not allowed to give it to me because the check was made out to irs and not myself. Keybank and XXXX XXXX I believe they are lieing and they still have my check and they stated they cant call bank to verify the payment was sent and they also stated irs have to reach them. This bank put me through XXXX it been 1year now and I still havent had my money this bank could easily call irs to verify they send them the check and they could have given them the check number but instead they rather put me through XXXX. There need to be action taken because keybank isnt doing there job. They are saying as I was told they not sure how check was sent back. So yes I dont believe they mail my check back. I even ask the bank to mail the check to me instead of mailing it back to irs. They stated the check was from irs so it goes back to them. Irs mailed the check to me last year. Im the one that signed it and mailed it to XXXX XXXX to deposit in my account. I wish I never mail this bank anything because they waited long time to get this resolved. As of now nothing is resolved and Im asking for proof that the check was mailed back and Im asking for check number and reference number to give to irs so irs can reissue me another check.
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (TX)

I received an email stating my email address and phone number linked to my Chime account has been changed. I called and told them I didn't do it. They stated that they could not refund any transactions being moved from one account to another. I was scammed out of {$2000.00}. I still have not fully recovered from this. I don't think Chime should get away with this after I contacted them and told them.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westcreek Financial (TX)

On XX/XX/24, I have bought furniture from XXXX XXXX XXXX store here in XXXX, Texas. I received financing for a sectional and a bed set. It was some discrepancies with the sectional that was delivered due to the making of the sectional so I was discounted on the sectional. I obtained financing through XXXX XXXX XXXX and Koalifi finance. The company sent the sectional invoice to both finance companies. They have me paying for XXXX sectionals basically {$3000.00} each to both financing companies. Basically {$6000.00}. Please note my total invoice was {$4500.00} and some change. The bed was only {$1400.00}. I have tried communicating with the store XXXX XXXX and XXXX. The sales guy I was working with, XXXX mysteriously was fired. I think fraud has been happening before at this place with financing. They keep telling me they will handle it but dont. They know people have a 90 day window to pay the accounts off and if its not paid I will have to pay more. Also, the commission on the higher sale was already paid out. I dont know but Im being charged {$6000.00} for a {$4500.00} transaction, which is on my invoice.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Consumer Financial Protection Bureau, Subject : Request for Resolution of Unauthorized Charges and Credit Score Concern Date : XX/XX/XXXX I am writing to seek your assistance regarding a troubling issue that occurred after my husband and I traveled to XXXX. At XXXX XXXX Terminal XXXX, we made purchases at XXXX XXXX, where we were charged XXXX XXXX and XXXX XXXX. These amounts were unexpectedly charged in US dollars instead of pesos, and the credit card slips were signed without properly displaying the currency, as the amounts were obscured by a grey metal covering. 
Despite sending multiple letters to American Express, including a fax on XX/XX/XXXX, a late fee was added to my account, which American Express declared as a closed case when I inquired on XX/XX/XXXX. Additionally, one of the items charged for {$4500.00} has not been received. 
On XX/XX/XXXX, I filed a complaint with American Express to dispute these charges and requested a refund, but to no avail. Although my credit limit was supposed to be {$8000.00}, over {$15000.00} was charged. After not receiving a satisfactory response, I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, and followed up for a status update on XX/XX/XXXX, but have not yet received a response. 
Attached, please find the letter to the Federal Trade Commission, detailing the entire course of events. 
I am concerned that these unresolved charges will negatively affect my credit score. I kindly request your understanding and assistance in this matter to ensure my credit score is not adversely impacted. 
Thank you for your attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX