davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-17
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. (KY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

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
Consumer complaint received 2023-11-17
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

So my husband and I finally had the revelation to file taxes separately in order to drop my monthly payment for my student loans. I am under the  PAYE  program and public service loan forgiveness, so my goal is to get as tiny of a monthly payment as possible.     My current payment is {$1300.00} per month. According to the payment calculator, my new payment since filing separately will be around {$300.00}. I applied to recertify/update my income with myfedloan servicing  ( FedLoanServicing )  on  XXXX   XXXX . They told me it would take  7-10  days to process, that I would still need to make the  XXXX  payment of {$1300.00} but by  XXXX  it would be the new, much lower payment.     Well, it 's been crickets. Finally, I called yesterday and was told that my application was still being processed. That they are experiencing delays with processing, and now it could take between  15-30  days! So I 'm going to have to make ANOTHER payment that is {$1000.00} higher than it should be. I asked if I would be reimbursed for the difference and surprise surprise, no, I wo n't be. Is n't there some sort of limit by law on the time they can take to process a repayment application?
Consumer complaint received 2023-11-17
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 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 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
Consumer complaint received 2023-11-17
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)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts 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 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

Experian is fraudulently and vindictively punishing those who have filed CFPB complaints against Experian.     Every time I want to temporarily remove a security freeze ( or perform virtually any other type of online function ), Experian refuses with the lue they can not verify my identity. They then insist that I have to use the mail to submit my request and great delay and inconvenience. They do this as retribution for previously filed CFPB complaints against them.     When requesting a temporary lifting of a credit freeze, I correctly and precisely enter my PIN and other identifying data. I enter my address exactly as it appears on a recent Experian credit report I have in hand. Each time, Experian refuses to unfreeze my credit file because, they lie, they are unable to confirm my identity.     Experian then suggests I pay them {$25.00} per month for their credit monitoring and credit lock service. When I enter the exact same personal information and pay them {$25.00}, they can then miraculously immediately confirm my identity.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

National credit systems sent a letter to me in the mail in XX/XX/2023 offering to pay my collection at a discounted rate. I called and paid the offer in full but was actually charged the full amount rather than the discounted offer. The discount was offered until XX/XX/2023 and the collection was paid on XX/XX/2023 well within the time frame they gave.
Consumer complaint received 2023-11-17
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. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' DEPT OF ED/ NELNET is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DEPT OF ED/ NELNET the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, DEPT OF ED/ NELNET whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "
Consumer complaint received 2023-11-17
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)

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 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I am writing to seek clarification on our business 's recent experience with check holds. XXXX XXXX painters has been a valued client of Chase for over XXXX years, during which time we have maintained a consistent and positive banking relationship. 

Recently, we noticed a deviation from our usual banking transactions, specifically in the case of check processing. Historically, checks received from XXXX XXXX have been promptly cleared without any holds in the amount of {$23000.00} on XX/XX/23. While we understand and appreciate the importance of security measures to prevent fraud and ensure the integrity of financial transactions, we would like to gain a better understanding of the factors contributing to this recent change. 

As a women-owned business, prompt access to funds is crucial for maintaining our operations and meeting financial commitments. Our experience over the past XXXX years has demonstrated the reliability and trustworthiness of our transactions, particularly with XXXX XXXX. Consequently, we seek clarity on the specific reasons for the recent holds on checks from this longstanding and trusted business partner. 

We are committed to ensuring the highest standards of financial security and understand the necessity of prudent banking practices. If there are any additional steps we can take or information we can provide to expedite the processing of checks without compromising the security of our accounts, we would be more than willing to cooperate. 

Your prompt attention to this matter is highly appreciated, and we look forward to your guidance on how we can collaboratively address this situation. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (NV)

I am writing to dispute the collection account associated with my account. Upon reviewing the information provided, I noticed that the collection does not accurately reflect my name or my daughter 's name. It's possible there has been a mistaken identity, especially considering recent events. My daughter recently required XXXX XXXXXXXX XXXX and was admitted to the hospital. Given the circumstances, it's conceivable that there may have been a mix-up in the documentation. Neither myself nor my daughter have any association with the account in question. I kindly request that you investigate this matter further and provide clarification on why this collection has appeared on my account. Additionally, I would appreciate it if you could provide documentation regarding the debt, including the original creditor 's information and details of the alleged debt. Your prompt attention to this matter is greatly appreciated, as I am eager to resolve this issue and ensure the accuracy of my credit report. Thank you for your assistance. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC (MS)

On XX/XX/XXXX, Balance Credit added more hidden interest on my account without my knowledge. Payments were taken from my checking account. No additional information was given to me. However on XX/XX/XXXX I received threaten e-mail from XXXX XXXX XXXX on behalf of Blance Credit in which I do not understand! Balance Credit has shared my information without my permission!
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I opened a Truist account about XXXX months ago after receiving promotional material about a {$400.00} bonus for opening a new checking account. I created the account online and somehow their system created XXXX accounts. They locked me out of the account and said it was because my identity couldn't be verified, but they had no problem verifying my linked XXXX checking account and taking my initial {$100.00} deposit. I could not access the account online. I tried multiple times to resolve it over the phone and was unable to. I had to visit the local branch and speak with the XXXX. They told me I had to come back the next day because there were invalid maintenance fees applied to the account so they needed to clear before I could close the account. I went back the next week and closed the account. I have since received multiple calls everyday saying that my account is overdrawn {$27.00} for maintenance fees. Apparently they never closed the duplicate account that was created when I first registered. I called Truist again yesterday and was told I needed to wait another XXXX hours minimum to close the account because they had to clear the invalid maintenance fees. I am now going to have to waste my time going back to the local branch yet again. This is absolutely unacceptable, especially the fact that my money was inaccessible for nearly XXXX months until this was resolved, and I was ineligible for the {$400.00} bonus since my account was locked and I could not setup the required direct deposit for my paycheck. This seems like false advertising or just really sneaky behavior to me and it is not the way a financial institution should be treating people or their money.
Consumer complaint received 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I currently subcribe to Equifax Complete Premeir Plan where i am supposed to be able to update my report and score daily, but from    XXXX   XXXX  -    XXXX   XXXX   XXXX     I was unable to update my score and report and kept getting and error that it was unavailable. I repeatedly called to get help and was never able to access my report on my own. On   X/XX/17     a rep updated my report and told me that I would be able to from that point, but I was still unable to. I called  one  more time and kept getting push back from a rep saying that I was only supposed to refresh every 30 days and I kept trying to explain to her that was not how to he plan I had worked, until I finally had to request a supervisor who then tried to resolve the issue with no success. She Stated that she would put in a ticket. I was also not able to obtain my report using other reporting companies like privacy guard or credit karma. My Equifax file would never update or crossover. Finally on   X/XX/17     it updated on credit karma which it had not updated since    XXXX     , and all of my credit files were removed. I then tried to refresh on Equifax and still was unable to until about  XXXX  CST. And all my files there were removed as well except for  2  files. My files did not return until   X/X/17     when I updated my report, and then there were all these inquiries from  X/XX/17  XX/XX/17  that were not mine. I tried to resolve with Equifax to no avail. And they still ca n't tell me why my files were removed. They kept saying that I requested, or the creditor removed them, which makes no since. If I requested them removed and they removed them why place them back. And all of the creditors did not band together to remove at one time. Please remove all inquiries during this time of Equifax glitch. Thank you.
Consumer complaint received 2023-11-17
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. (CA)

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 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 2023-12-11
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)

15 usc 1692 ( b ) account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violated this law and needs to be removed ASAP. 

15 usc 1681 ( B ) accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violates this law and needs to be removed ASAP. 

Credit reporting agency should not have the right to knowingly and willingly violate the law on any consumer report
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

I learned from a TD Bank teller ( at a different branch that I normally use ) in XXXX of this year that the Preferred Savings Account that my money had been in since 2019 doesn't exist anymore and that it's now a Signature Savings Account and the interest rate is 2.47 %. I had been getting 0.01 % with the Preferred Savings. I should have been automatically switched over to the Signature Savings, or at the vey least, informed of the change when it happened. I was not aware of the change and therefore not able to receive the increased interest rate.

I believe TD Bank owes me the back interest from the time TD Bank discontinued the Preferred to the date I was switched to Signature.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOUNT BANCORP, INC. (NV)

In XX/XX/XXXX, I noticed that since XX/XX/XXXX, my XXXX XXXX XXXX had been credited with a fixed 0.1 % interest instead of being automatically updated with realistic interest. 
I approached my representative and asked him to compensate me for the extended period and change my interest to a minimum of 4 %. 
The representative replied that since I hadn't noticed the bank 's mistake for so many months, the bank could only compensate me for the year XXXX. 
Is this fair? 
Thank you
Consumer complaint received 2023-06-23
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. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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