davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AK)

I applied and qualified for PSLF when they expanded the program. I have been a State of Alaska employee since XXXX. I worked seasonally until XX/XX/XXXX, with a month to XXXX months off a year for several years, but sometimes working all 12 months as a government employee. For the past four years, I have been employed year round for the government. I submitted my second employment certification letter in XX/XX/XXXX. They reviewed it but did not certify any additional payments. I currently have 138 payments, 96 which have been certified. I need 24 more payments to qualify for forgiveness. My employment and payments have not been certified since XX/XX/XXXX. I requested a review of this since it was obviously made in error. Ive also called twice and have been told my account will be reviewed by a supervisor. They also put me on administrative forbearance through the end of XXXX to review my account. I made payments during that time ( since payments restarted in the Fall of XXXX ), and when I spoke with MOHELA they said I could request a refund for those payments since I didnt have to make them. I did. Today, I received an email stating my account was past due since I hadnt made any payments since XX/XX/XXXX. I called them and they said they will have a supervisor review my account. They also placed me in a processing forbearance and canceled the auto debit for XXXX since they need to figure out whats going on with my account. Its a lot of extra work for everyone since I have enough payments to qualify for PSLF, they just need to amend their mistake. But all I can get from them is that a supervisor will review my account. Its been a couple months now waiting for a supervisor to review my account.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Wednesday XXXX XXXX XXXXXX/XX/ Dear CFPB employees, Subject : Complaint - Request for Proof of Late Payment under 15 USC 1666b To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX, XXXX XXXX and XXXX XXXX regarding a disputed late payment on my consumer report. I have requested proof from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, that the payments were indeed late based on the specifications of 15 USC 1666b, but they have failed to provide the required information. 

I am a diligent consumer who is well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer financial protection laws. I recently corresponded with XXXX XXXX specifically with XXXX XXXX and XXXX XXXX, regarding the late payments that they have listed on my consumer report. I requested in good faith the necessary documents to prove that the information required by section 1666b of 15 USC was mailed out or delivered 21 days before the payment due date. 

However, they have not provided any evidence or documentation to support their claim of a late payment. I assert that according to the law, a creditor can not treat a payment as late without complying with the stipulations outlined in 15 USC 1666b. I have not received proof of such compliance. 

This refusal by XXXX XXXX and XXXX XXXX to provide the requested information is a clear violation of section 15 USC 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1666b & 1637 ( b ) of the applicable title. 

I hereby demand that XXXX XXXX XXXX XXXX and XXXX XXXX provide the required information and proof of the alleged late payment within XXXX calendar days from the receipt of this complaint. Any correspondence NOT including the proof I am demanding will be deemed a failure to comply. Failure to comply with this request will be deemed as an admission that the reported late payment is erroneous, and I insist on its immediate deletion from my consumer report. 

Furthermore, I will be submitting this complaint and the related facts and correspondence to the XXXX XXXX XXXX XXXX XXXX XXXX and you guys, the Consumer Financial Protection Bureau ( CFPB ) for further investigation and appropriate action if XXXX XXXX XXXX XXXX and XXXX XXXX do not rectify this matter promptly. 

Thank you for your attention to this serious issue. I look forward to a swift resolution and the accurate representation of my consumer report. 

Sincerely, XXXX.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (TX)

Certainly! 


I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permissible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-07
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. (NY)

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

Can not log into Venmo. Changed password, reinstalled app. Wrote company they said wait 24 hours still having same issue. Can't stop payments, see balance, send money for over a week..
Consumer complaint received 2024-05-23
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: LEXISNEXIS ()

I disputed 7 claims with LexisNexis ( LN ) on XXXX. LN stated by law they had 30 days to do an investigation on the claims showing on the report, anything Unverifiable were to be removed from the report. 

I received a LN letter dated on XXXX regarding 3 claims, 1 claim was unverifiable and was removed, 2 claims were unverifiable and are still showing on my report. One of the 2 claims is a duplicate on my report is still showing as a duplicate on the report. 

One claim was from XXXX, as of XXXX XXXX my report from my Insurance Broker it was still on there and it was longer than the 7 year time frame. However, per the LN representative on XXXX stated it was now removed. 

I never received an investigation response on claim dated XXXX, I've asked for that claim to be removed from my LN report. 

Consumer Number : XXXX Case Number : XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

THIS COMPANY HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 15USC 1681 SECTION 602 STATES HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2023-05-20
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. (NJ)

Public Records on my credit report and I sent dispute letter on XX/XX/XXXX. Asking for a letter from the court to prove this is my bankruptcy and I wasn't given proof. Public Record XXXX XXXX from XX/XX/XXXX and XXXX  XXXX from XX/XX/XXXX. And they verified but didn't send me proof from the court.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

THIS COMPANY HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 15USC 1681 SECTION 602 STATES HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC (FL)

THIS COMPANY HAS VIOLATED MY RIGHTS. ACCORDING WITH THE CREDIT REPORTING ACT. 15USC 1681 SECTION 602 STATES HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FUNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LTE FOR AND PURPOSE.
Consumer complaint received 2024-04-09
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. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally file a complaint against EQUIFAX located in XXXX, GA ; XXXX located in XXXX, TX and XXXX located in XXXX, XXXXThis company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, resulting in significant financial and emotional distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as per the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, EQUIFAX, XXXX AND XXXX have consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of this 3 bureaus namely EQUIFAX, XXXX AND XXXX have inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Consumer complaint received 2023-06-20
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. (PR)

On XX/XX/XXXX I pulled My Equifax report and noticed that it isn't in accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX Account number XXXX XXXX on Equifax XXXX XXXX XXXX XXXX has many inconsistencies. On your report the company name is XXXX XXXX and on XXXX its listed under XXXX XXXX, same open Date however your balance amount says {$5100.00}, amount past due {$14000.00} and the charge off amount is {$5000.00}. Those 3 amounts don't match also your account history states that my last payment was on XX/XX/XXXX however your account history states that I stopped paying on XX/XX/XXXX on XXXX there's a balance of {$14000.00} and it states that I stopped paying XX/XX/XXXX. This account is fraudulent and needs to be removed at once. 

2. Account name : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} written off. According to your records my last payment was on XX/XX/XXXX however the date of 1st delinquency was on XX/XX/XXXX XXXX yrs later, that makes no sense. 

Account name : XXXX XXXX XXXX, Account number : XXXX Date of 1st delinquency was on XX/XX/XXXX, when account was opened on XX/XX/XXXX & 1st delinquency was reported on XX/XX/XXXX. Dates don't coincide. 

XXXX XXXX XXXX opened on XX/XX/XXXX states last payment was on XX/XX/XXXX, 1st delinquency XX/XX/XXXX, 1st delinquency reported XX/XX/XXXX 3 yrs later {$4300.00} charged off. 

These accounts are inaccurate and hurting my credit, I need them removed A.S.A.P.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-01
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-04-25
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)

These collections and charge-offs were all on settlements and after XXXX, they came back and said that they all werent settled completely. I have XXXX XXXX, from XXXX XXXX XXXX handling this since then. We will submit an email or fax any info you need please contact her.
Consumer complaint received 2024-02-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
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: Upgrade, Inc. (NY)

Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter related to the credit reporting of an account that has been charged off and closed, which continues to adversely affect my credit report despite my efforts to rectify the situation. 

The specific issue involves the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card account, which was charged off and closed, is still present on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), information that is inaccurate or can no longer be verified must be promptly removed or corrected. Despite the closure of the account, its persistence on my credit report is inaccurate and requires immediate attention. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I formally requested the removal of this inaccurate information from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ), which stipulates that consumers have the right to dispute inaccurate information and have it investigated and corrected. Despite my efforts, the inaccurate credit reporting remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and facilitate the removal of the inaccurate credit reporting. The persistent presence of this charged-off and closed account is negatively impacting my creditworthiness and financial standing. 

Your prompt attention to this matter is greatly appreciated, and I trust that your intervention will lead to the resolution of this issue in accordance with the established consumer protection laws. 

Thank you for your assistance and commitment to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-25
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. (FL)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX Balance Owed : {$4900.00}
Consumer complaint received 2024-02-20
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: Credit Control, LLC (TX)

XXXX XXXX XXXX Credit Control , LLC Regarding XXXX  XXXX XXXX XXXX : Account was paid in full on XX/XX/24 to Credit Control , LLC and we have received a letter from the agency indicating it has been paid in full. 

XXXX XXXX XXXX  will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. 

XXXX XXXX  XXXX has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. 

I have spoken to XXXX different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with XXXX XXXX XXXX  immediately.
Consumer complaint received 2019-11-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

Chase Bank is intentionally reorganizing the way they post charges to maximize overdraft fees. They posted 1 debit charge dated the XXXX first and then 2 dates the XXXX next, which caused 3 overdraft fees of {$34.00}, when it should have only been 1. On the XXXX when I got gas I checked my account and had approximately {$5.00} on it, so I knew I would have to pay 1 overdraft fee. Yesterday I was notified my account was now Negative {$140.00} due to the 2 extra overdraft fees. The banks should not be allowed to intentionally post debit charges out of order to maximize fees.