davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCash Holding LLC (IL)

At around XXXX Yesterday, I received an email alert from XXXX XXXX to log in and check my XXXX file. When I signed in, I saw that Sail Loan had placed a negative tradeline that I was XXXX, XXXX ; or XXXX  days past due. When I originally refinanced this loan ; I requested that the didn't report to the credit bureaus. The box was checked for my request. But, it's a very unprofessional representative that work at this location. She was sleep and I had to call corporate office to even get inside! I know foe a fact, that this company intentionally reported this Loan negative! What they did was against the law and I will be filing a IDFPR against this company!
Consumer complaint received 2023-10-19
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. (AL)

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau XXXX, Equifax, and XXXX XXXX asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. XXXX will not let me view my account.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (MI)

Spent two days and about 3 hours trying to pay XXXX mortgage payment to Loancare. Attempted to access online web page only to get 505 error. Waited overnight and attempted to access to make payment still no access. Called and it didn't recognize my SS # which had previously. Was able to use SS # of wife which is odd. But still not able to pay nor access account. 
Transferring call to customer service and they wouldn't answer and call would disconnect and happened 6 times over an hour. Finally late in day decided to search XXXX and found group Loancare issues and was able to read over 800 members with issues similar and finally 1 post about a data breach/ransomware that occurred middle of XXXX. 
Point 1 - why were customers not immediately notified? 
Point 2 - led to believe the webpage updated I added banking information ( which I would not have had I known of breach ) This company owes each customer a grace period and no interest on the balance until the issue is resolved and account protections against loss of personal data.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (WI)

This is my notice of liability and intent to sue. 
Since XXXX  and involuntary servitude is illegal and unlawful I would have to give you written consent to cause injury to me. This is XXXX XXXX by way of debt XXXX! You have imposed a tax on me without my written consent! Article 1 Section 8 clause 1 only CONGRESS can impose a tax! By the business charter of Wisconsin chapter 180 you are not Congress you are a corporate entity! 
Contract law states there has to be a meeting of the minds, consideration and value given! PROVE written Consent! This is damaging my life and keep me in complete debt bondage. By way of involuntary servitude! I have not given this company written consent! 
Remove this account immediately! You have 15 days and this is a good faith attempt rectify this unlawful act. I am a private citizen! Remove 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 
-Debt bondage is focused on XXXX XXXX crimes in which the XXXX primary means of coercion is debt manipulation.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (NV)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX 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 an account without my written instructions. ''
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX, my XXXX score has randomly dropped XXXX times by XXXX points across all XXXX credit reporting agencies : XXXX, Transunion, XXXX, and XXXX. The first was in XXXX and then it went back up XXXX points the following month. As of today, XXXX XXXX, XXXX, my XXXX score dropped XXXX points again. In either case, literally XXXX changed unfavorably to create these changes. 

I have : not opened any new credit lines frozen credit across all agencies since XXXX, so no new credit requests or identity theft, my credit card balances hover at or BELOW XXXX ( yes, a credit to me ) as I pay any due balances daily or bi-daily usually before the charge is even posted by my credit card company, a XXXX balance at month 's end on all credit cards ALWAYS had no late payments in XXXX years a mortgage since XXXX whose balance is paid XXXX months ahead of time and the balance continues to drop monthly the same job with no change in income during both XXXX score changes no significant purchases. My largest purchase in the past 2 months was less than {$1000.00} and the credit card balance was paid the following day long before it was due. 
total available credit on my revolving credit cards of {$130000.00} and have used less than {$1000.00} ( 0.7 % ) of it for any single purchase in XXXX I tried to report the issue to each agency, but there is not reliable way to report such matters. As I'm considering the purchase of a car, a XXXX point unexpected FICO change is disconcerting. Further, if this is happening to me, a person with a sterling credit rating, then how screwed is a consumer who is on the cusp of good-v.-bad credit if this happens to them. 

I attached XXXX files showing some details of my credit record to bolster my points above. The information is from XXXX, but all of them reflect the same changes. 

Any help you can provide to resolve this matter would be most appreciated.
Consumer complaint received 2023-12-03
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (DC)

I applied to synchrony bank for the following : LOWES Commercial card ( using XXXX ) XXXX Amazon Business Card ( using XXXX ) PayPal Buy now Pay later XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXX and XXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX  report that the business name is correct. Synchrony was wrong. 

Synchrony, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called synchrony bank to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the Lowes and Amazon cards for this. The PayPal but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a synchrony bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX nexis was used. I asked her why the Denial letter cited XXXX XXXX XXXX. My XXXXbinformation is correct so XXXX XXXX needs to be updated. Synchrony bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business Amazon and commercial Lowes card
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

An acont was remover called all three credit reporting agencies it was back on to day all XXXX  gave run around and could not tell why it was back on as XX/XX/2024 XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second notice of this fraudulent account on my credit report. I never benefited from any of these transactions from this account. Per the FCRA, this fraudulent item has to be blocked and deleted from my report.
Consumer complaint received 2024-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

XX/XX/2022 I received an email from the Dept of Education regarding the discharge of my student loan with Navient. I reached out to Navient and have been unsuccessful in removing or receiving any remedy regarding this matter.
Consumer complaint received 2023-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I write to apprise you of an issue I am having with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri ( MOHELA ). This issue relates to the Department of Educations on-ramp, in which a retroactive forbearance will be applied for payments missed between XX/XX/XXXX and XX/XX/XXXX. 

Representatives of MOHELA have provided myself and other borrowers with incomplete and misleading information about the on-ramp. This afternoon, I spoke with a MOHELA representative, asking her to confirm that I would be eligible for the on-ramp. Although I knew about the on-ramp through my own research, I wanted to confirm, for the avoidance of doubt, that my account would be eligible. MOHELAs representative denied having any knowledge of the on-ramp or of any retroactive administrative forbearance. It was only after I explained to her that I was an attorney and knew the details of the program that she finally acknowledged its existence, although she still did not confirm that I was eligible. ( When I asked to speak to a supervisor, the representative told me that this would entail a hold time of two to three hours. ) I do not understand why it should be this difficult to get basic information about my student loans from MOHELA. And it concerns me greatly that borrowers who are unaware of the on-ramp are being given incomplete and misleading information, potentially causing them to lose the benefits of this important provision. 

I note that this is not the only issue that I ( and other borrowers ) have had with MOHELA. My request to be enrolled in an income-driven repayment plan was denied twice without adequate explanation, and call hold times to clarify the matter have spanned hours. Processing times are unacceptably long I submitted all requested supporting documentation on XX/XX/XXXX ; MOHELA has yet to take action on my request. 

It is my hope that your office can address these problems, for myself and millions of other student loan borrowers.
Consumer complaint received 2019-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In XX/XX/2019 I summitted a dispute to Transunion because in my credit report appear a credit inquiry from XXXX. XXXX express me that they dont have record with my security number for a credit inquiry and foe this reason they cant removed this. 

At day to dateTransunion dont respond to this dispute.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (AR)

I am called at least 2 times a day ( sometimes 3 ) everyday Monday through Sunday, starting at XXXX and ending right before XXXX from Barclays Bank ( XXXX ). I am calling all of my creditors to set up payment plans. Some I have not gotten to. I am so frustrated by the end of the day, that I don't call this one. I work during the day and can't answer my cell phone! I have to silence my phone, because they call everyday like clockwork. I am getting at least 15 calls in a 7- day period, sometimes 21 calls. I am then getting blocked calls when I don't answer. These calls started around XX/XX/2023.
Consumer complaint received 2022-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Hi, I need to submit 2 merchant dispute for merchandise not received... 
I tried to reach the merchant several times but they never provided a respond, the last email was sent on XX/XX/XXXX. 

Card ending in XXXX XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX ) XX/XX/XXXX, XXXX XXXX {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX, must be delivered on XX/XX/XXXX or before that date. 
I tried to reach the bank but the customer service close early, I can't call on operations hours.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have never open this a XXXX  credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open this account!
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

ILLEGAL REPORTING OF INCOME ON MY CREDIT REPORT, no INCOME IS ALLOWED TO BE REPORTED ON A CREDIT REPORT The IRS generally considers canceled debt of { {$600.00} } or more as taxable, and settling debts for less than what's owed can increase your tax liability depending on your tax bracket and the canceled amount. UNDER IRS PUBLICATION 4681 Being that the following accounts were all charged off and over { {$600.00} } which is taxable income and reported to the irs as taxable income please remove the following accounts immediately from my credit report for illegally reporting income on my credit report. Income is not allowed to be reported to a credit report or supposed to be a factor within a credit report. IF EVERY DEBT IS CONSIDERED INCOME BECAUSE ITS CONSIDERED A SECURITY INCOME, IT CAN'T BE REPORTED ON MY CREDIT REPORT NOR IS IT SUPPOSED TO BE! WHEN A CHARGE-OFF IS FILED THE FOLLOWING COMPANIES FILED A 1099-C A CHARGE-OFF IS CONSIDERED A SECURITY, WHICH MEANS IT IS CONSIDERED INCOME! ALL DISCHARGED DEBT ACCORDING TO IRS PUBLICATION 4681, ALL CHARGE-OFFS OVER { {$600.00} } DUE TO THE IRS ARE CONSIDERED INCOME! INCOME IS NOT ALLOWED TO BE REPORTED TO MY CREDIT REPORT! I have also filed a 1099-c on XXXX  which was accepted by the Irs and then mailed to JPMCB, which I have submitted here. Please immediately delete the following account immediately from my credit report! JPMCB XXXX XXXX CHARGE OFF FOR { {$4900.00} }
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I have contacted Wells Fargo that my address have changed they continue to bill my old address which I wasnt able to keep up with the payments because I did not have documentation notify me that the payment was due and I was not aware that there was a balance on the account and I had asked that they send me that information so that I can continue to make payments to my knowledge this account went Past due clothes and is a negative reporting on my credit report when I found out that I had this I contacted Wells Fargo directly and use my credit card to make a payment.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

Hi I filed two complaints previously with CFPB regarding this and was told US bank was working on it. I had since then spoken to them many times and was told to again keep waiting for them to provide a resolution. Not only did US Bank never contact me, I ended up calling their fraud liasion center again in XXXX XXXX XXXX and was told the claim was rejected and if I wanted to get my money back, I had to go through a court. 

During that phone call, I also asked for details of the investigation and reason why they would not be able to reissue me a check and I have never received the requested information from US BANK. 

In XX/XX/XXXX, I had a lawyer send a demand letter to US Bank but have not heard from them since then. My lawyer also reached out to the XXXX XXXX ( where the check was fraudulently cashed out ) and I have attached their response here. Based on their response, it was US bank 's responsibility for not being able to notify XXXX XXXX within the required 30 day window. In addition, it sounds like US Bank received the response from XXXX XXXX way earlier than what I was told. Again I am trying to resolve this issue without having to go through a court. So I need US Bank to respond with details of the investigation as well as reissue me a check with the amount plus loss of interest accured asap. 

Please find response from XXXX XXXX below : Pursuant to UCC 4-207 ( d ), a claimant must submit a claim to a warrantor within 30 days after the claimant has reason to know of the breach and identity of the warrantor. Failure to meet this deadline results in the warrantor being discharged. 

In this case, XXXX XXXX notified US Bank at least by XX/XX/XXXX of the alleged forgery. See emails attached she sent US Bank affidavit. US Bank then had 30 days to make claim upon XXXX XXXX XXXX XXXX, or by XX/XX/XXXX. 

However, U.S. Bank did not send XXXX XXXX XXXX XXXX any notice until a letter dated XX/XX/XXXX well outside the 30 day timeframe. Accordingly, per the attached emails, the claim was denied. 

Claimant ( s ) knew of the alleged breach at least by XX/XX/XXXX, but notification was not timely tendered to XXXX XXXX XXXX XXXX. As such, any liability the XXXX XXXX had in this matter has been extinguished pursusant to UCC 4-207 ( d ).
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-04-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Sirs/Madam The last late payment for this account capital one auto occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards