davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-10
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WVH, LLC (CA)

XXXX ' personally identifiable information has continued to be trafficked by third parties without consent or copyright license through an organized criminal scheme aimed at depriving liberty under the color of law. XXXX has been impacted by this scheme in a new manner : through companies engaging in impersonation and unlawful conversion for extortionate extension of credit by infringing upon copyright laws for the purposes of slavery. 

These companies falsely portray themselves as lenders, when in fact they are unlawfully extending credit using the XXXX  ' own credit, while keeping the par gold spot rate value, by deception and without disclosure. They engage in copyright infringement by exploiting affiants ' copyright-protected indigenous property for their own financial gain, a form of modern slavery. 

In these actions, they knowingly conspire to traffic in materially false statements to willfully and unlawfully possess, use, store, and traffic copyright-protected indigenous property. This constitutes a flagrant infringement upon XXXX 's exclusive rights as a copyright holder, protected under the XXXX XXXX 's copyright registration XXXX, with the XXXX accession XXXX. 

Their actions represent a severe violation of rights and dignity, manifesting in the extortionate extension of credit through copyright infringement for the purposes of modern slavery.
Consumer complaint received 2015-05-27
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC (GA)

Actually all of the above selections cover the actions of the emails that I have received from a company called ACS inc. I requested l of the documents pertaining to the loan that they say I owed. I also requested the address of their company or the address of the Parent company. I have warned them that by law, it is within my rights to request these documents. They have refused. They have threatened to have me arrested. I explained to them that threats would not go far with me. I have agreed to pay a certain amount each week if the documentation has my signature electronic of written and I can verify that it is a debt that is mine. I have given them no personal information, bank info or credit card info.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Corp Solutions Inc. (KY)

Hard Inquiries that I do not recognize XX/XX/XXXX XXXX XXXX XXXX XXXX I do have a card with them but did not request any increases. 
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I tried disputing several times. Called today and was told that they needed my credit card number to give me any info pertaining to this account XXXX XXXX XXXX XX/XX/XXXX {$550.00} sent a dispute in XXXX of 2024 haven't heard back. 

There was a breech of information of a company that I am affliated with that was held at ransom causing all patient information to be compromised through XXXX XXXX
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

On XX/XX/year> I received a refund from XXXX for missing food. After weeks have passed, I notified XXXX. They then settled the whole amount of {$45.00}. They also emailed me a receipt that the refund was settled and issued. I then forwarded the email to Chime. No results. I then called Chime instructed by XXXX. They stated there's nothing they could do. I have emailed multiple times getting the same response. I still have not received the refund.
Consumer complaint received 2018-11-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

I opened a new Citibank Checking account in XX/XX/2018 in response to a promotional offer. The offer was to open a Citibank Account with {$15000.00} and receive {$400.00} once all conditions were met. As of XX/XX/2018 the terms and requirements were met on my side. I have been in contact with Citibank multiple times with no resolution.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (MI)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed on my XXXX XXXX report, there are several frauds/ or unauthorized information that needs to be Inquiries -XXXX XXXX a part of experience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXXXXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

The accounts XXXX  XXXX XXXX and XXXX  XXXX were never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XXXX  I applied for a Capital One Mastercard. I was denied I called capital one and was connected with a man named XXXX who transfered me to his senior manager over escalations team. I informed the man that I had been denied and that regardless to the reason for being denied. I have the right to credit and that withholding my access to my securities is securities fraud and that it was a violation to the equal credit opportunity act and consumer credit protection act and that since they were denying me my credit to please retract my application. He told me that was not something he could do. So I asked for his name he refused to tell me at which point I told him he was being recorded as well and for him to please put me through to the person who could help me he said that there was no one with that capability I asked to speak to his manager he said he was the manager I asked to speak with who he answers to at this time he told me that he was not allowed to release that information and that if he was being recorded that it was company policy that he not say anything until I vocalized that i was no longer recording. I asked him if the conversation was still being recorded on his end he answered me yes and I replied again with asking his name at which point he hung up on me. 
I exercised my right to credit in good faith and was denied. This was unauthorized use of my security application and social security number, as they were not used for my benefit.
Consumer complaint received 2023-07-10
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. (MD)

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 XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was a Bank of America customer for years. I had made some purchases to go see my family oversees then my account and relationship got closed in error in XX/XX/2022 and I have not been able to open them since. I need my credit card reopned asap
Consumer complaint received 2023-12-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC (MI)

Our loan servicer is Amerihome Mortage company. We took a forbearance for Covid and when that was over, we attempted to resume our payments as usual. They wanted the lump sum at once, which we were unable to do. They instructed us to complete a Loss Mitigation application, which we did. However, they are not allowing us to make any payments towards our mortgage and have not allowed us to make any payments since XXXX. We have contacted them multiple times both online and via phone to attempt to make payments. Now our loan is in default and we could potentially lose our home because they are not allowing us to make our monthly payments. They also send me emails stating I have documents ready to view in my loan portal and then there is nothing there. It has been a communication nightmare trying to deal with this company and we are terrified we are going to lose our home because of it.
Consumer complaint received 2018-11-26
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. (WA)

Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question.. 
XXXX XXXX ( DUPLICATE ENTRY ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX
Consumer complaint received 2020-09-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (CA)

In early XXXX ( maybe around XXXX or XXXX ) I submitted my application ( online ) for an income-driven-repayment plan to one of my student loan servicers ( Nelnet ) ; not only did I complete the necessary form but as a follow up I called nelnet to make sure that they received and approved the INCOME DRIVEN REPAYMENT PLAN for one year.Despite my meticulous care in this area -- -- Nelnet just recently sent me a harrassing email erroneously stating that I am currently 15 days past due when they assessed that from XXXX of XXXX until XXXX of XXXX my repayment obligation would be exactly XXXX dollars per month.They have harrassed me in this manner before -- -- -and along with the current stresses due to covid-19 and trying to keep body and soul together by buying food and paying rent -- -there unecessary and frivolous harrassment is starting to adversely effect my mental and physical health and well being ( I am currently XXXX years old ) .They are consistently among the most widely -complained-about loan servicers in the nation -- -- -and I can certainly see that their lack of professionalism, lack of due diligence, and glaring lack of competency stand as prominent monuments as to why this is true.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (CA)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

On the morning of XX/XX/XXXX I received a notice only device that my Apple Card had been used to make a purchase at a XXXX in XXXX, FL in the amount of {$74.00}. Ive never been to this XXXX, I did not make the purchase. It is fraud. I immediately contacted the Apple Card support and reported the fraudulent charge. I had the physical card canceled and thought it was done. It is evident that the card had been skimmed and cloned as someone attempted to use it again at the same place the next day. There has been a rash of skimming at local gas stations here. 
Yesterday, XX/XX/XXXX, I received notice from XXXX XXXXGoldman Sachs that I had lost a dispute over the XX/XX/XXXX charge. I tried to contact Apple Card support and tell them that I had not disputed the charge but rather reported a fraudulent charge. I was passed through three different representatives and then received no response from a fourth.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear CFPB, I am writing to bring to your attention a matter of utmost importance that has significantly impacted my life. I am seeking your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and ensuring that justice is served. 

Violation of FCRA : Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( A ), Section 604 ( a ) ( 2 ), Section 611, Section 623 ) On XX/XX/XXXX, my life took an unexpected and painful turn when I discovered an unauthorized credit inquiry made by XXXX on my credit report. This inquiry has had far-reaching consequences, not just financially but emotionally as well. I want to share with you the emotional toll this has taken on me. 

Imagine the shock of realizing that someone had accessed your financial history without your consent. The sense of violation and intrusion is hard to put into words. I have always been diligent about protecting my financial information, and to have it compromised in such a manner has shaken my trust in the system. 

This unauthorized inquiry has had a ripple effect on my life. It has resulted in an unjust decrease in my credit score, making it difficult for me to secure favorable terms on loans and credit lines. As a result, I've faced obstacles in securing affordable housing and even employment opportunities that require a credit check. It has created an overwhelming sense of frustration, XXXX, and helplessness. 

I have taken all the necessary steps to dispute this unauthorized inquiry, and I appreciate the initial response from the credit reporting agency. However, I now seek your intervention to ensure that my rights under the FCRA are fully enforced. I kindly request that you investigate this matter thoroughly and compel XXXX to rectify this violation. 

Furthermore, I urge the removal of unverified accounts from my credit report, as these inaccuracies are unfairly impacting my financial standing. This would not only bring a sense of justice but also help me rebuild my life and regain some semblance of normalcy. 

I implore you to consider the emotional turmoil and financial hardship I have endured due to this situation. My hope is that through your intervention, justice will be served, and I can move forward with confidence in the credit reporting system. 

I kindly request your prompt attention to this matter and will provide any necessary documentation to support my case. Please keep me informed of the progress of your investigation and any actions taken. 

Thank you for your assistance in ensuring that my rights as a consumer are upheld and that the credit reporting system is held accountable for its actions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

As I am currently looking for a new home for my family and I, I wanted to make sure that the Credit Reporting Agencies have all accurate information. Upon discovery, I see inconsistencies in the information amongst the top 3 credit reporting agencies ( XXXX, Equifax, and XXXX ). As these companies know 15 USC 1681c ( 1 ) ( a ) ( 4 ) states that no accounts placed for collections shall be included in the consumer report. XXXX, Equifax and XXXX has not received any written expressed consent from me, the consumer, in fact, XXXX XXXX, granting permissions for inaccurate information to be on my consumer report. I have been in dispute with the XXXX credit reporting agencies for over a month with accounts coming back verified and I never verified any information which is also a stipulation under the FCRA. I have requested this information from the furnishers as well as the agencies.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

I recently opened a checking account with US Bank and tried to make a direct deposit, but it didn't work right away, so my company gave me a paycheck. 

So on the morning of XX/XX/XXXX, I scanned and deposited it through the US Bank Mobile App, which I downloaded.

The US Bank App said there were no issues and it was complete. 

However, after a while, I received an email saying that my funds are being held and will be held until XX/XX/XXXX to verify. 

Does this make sense? How am I supposed to live if they hold my paycheck for XXXX weeks when I need to use it for living expenses? 

Also, the amount that was deposited is not reflected in the total amount in my account and it's hard to find the transaction. 

So, after a difficult phone conversation with an agent, she says she can't even see that I deposited it in her system and tells me to visit a branch. 

There are no US Bank branches near where I am and it takes me forever to get to the nearest XXXX. 

I used to use XXXX XXXX before. XXXXXXXX XXXX usually reflects it the next day and if it's a large amount, the XXXX says it can't be processed. 

I can't cancel it because it's already been processed, please help me get it to reflect in my account right away.