davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

Dear Consumer Financial Protection Bureau, I am writing to express my deep concerns and frustration regarding the recent investigation I conducted on my credit report. The findings of this investigation have not only caused me severe emotional distress but have also uncovered several unverifiable, invalidated, inaccurate, and questionable items. I believe it is essential for your agency to ensure that all information reported on my credit report is 100 % accurate, in accordance with the Fair Credit Reporting Act. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is clear that credit reporting agencies are obligated to maintain the utmost accuracy when reporting consumer information. Unfortunately, these accounts that I have identified are in clear violation of these statutory requirements as they are not reporting information that is 100 % accurate. 

I would like to bring to your attention that the credit reporting agencies have acknowledged these discrepancies in my credit report. However, their response and action taken thus far have been insufficient, and these inaccuracies continue to affect my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and ensure that the necessary corrective actions are taken promptly. It is of utmost importance that my credit report accurately reflects my financial history, as these inaccuracies have significant implications for my financial future. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this issue and appreciate your dedication to upholding the integrity of credit reporting in accordance with federal law.
Consumer complaint received 2021-10-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (NY)

XXXX XXXX XXXX U S DEPT OF EDXXXX US Department of education is in violation of Title 15 1692 GB for failing to verify this alleged debt for this alleged collection account XXXX furthermore is Reporting false and inaccurate data on my credit report I sent a letter to the US Department of Education requesting the following information- 1. a copy of all promissory notes of all student loans that you service-related to me. 2. a copy of the promissory note for any and all student loans that you originated. 3. A copy of any assignments of the promissory notes for the related student loans. 4. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. They received this request on XX/XX/2021. I am yet to receive a response U S DEPT OF ED/XXXX has failed to send me a copy of any assignments of the promissory notes for the related loans. U S DEPT OF EDXXXX has failed to inform me whether they were a servicer or a collection agency. I know for sure that the name US Department of EducationXXXX is furnishing this data on my credit report ( U S DEPT OF EDXXXX XXXX as a collection and is not the correct name of the Collection agency for this account. The Response I received from Direct loans is that this alleged debt is being collected by another debt collection agency with a different name number and address This means US DEPT OF EDXXXX is in violation of 15 U.S. Code 1692e.False or misleading representations by furnishing false information on my credit report. 


( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Additionally, I requested that you cease and desist all collection activity, including credit reporting.

That is, I requested that you delete any and all reporting made to any consumer reporting agencies.

You have failed to address my very specific legal requests and are in clear violation of the FDCPA.

Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2023, I lost my job thus my income. I used up my reserves to keep my bills current until I receive a new job yet all of my funds were depleted. I was worried about my two credit cards, XXXX and Capital One. When I spoke with XXXX, they put me on a payment plan that was 11 % of my regular payment which was {$17.00} for 6 months. So, when I contacted Capital One, on XX/XX/2023, I was expecting the same results or even better since they are a larger company. The Capital One representative XXXX, once he heard my situation, asked me how much could I pay until I get a job, ( which I was expecting within a few months maximum ), I stated {$20.00} which was approximately 11 % of my regular payment. I then explained what XXXX did for me, expecting this to be the norm. XXXX then stated I would have to pay {$310.00} for 3 months, which was almost twice my regular monthly payment! Obviously, if I can not pay my regular payment, I can not pay almost twice that! I reiterated the seriousness of my situation, aka, having no money for food and in response, XXXX disconnected our conversation. I went ahead and posted {$20.00} payments on the payment due date. What I find comical, is that I still receive emails stating Capital One can help with my payments which I find ironic because when I did ask for help, and let it be known, since having this Capital One credit card, this is the FIRST TIME I asked for help, they spat in my face!
Consumer complaint received 2023-11-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX are Fraudulent. I have sent in FTC complaint several times, police report identity report documents were sent certified mail. They were very rude to me on the phone. Equifax clearly violated my consumer laws which i been a victim of identity theft. 

Alo the inquire below are also fraud Hard Inquiries Inquiries that may impact your credit scores. These are inquiries made by companies with whom you have applied for a loan or credit. They may remain on your file up to 2 years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute this
Consumer complaint received 2023-11-21
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. (VA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX  Balance : XXXX
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IN)

On XX/XX/year>, I initiated an external transfer from US Banks mobile application. It was initiated under transaction ID # XXXX for the amount of {$80.00}, from an external checking account with XXXX XXXX. 

On XX/XX/XXXX my account was credited for the amount of the transfer of {$80.00}. However, on XX/XX/year> and XX/XX/year>, the same debit with the same transaction ID number had posted to my XXXX XXXX account for a total of {$160.00}, {$80.00} each. I advised XXXX XXXX that one of the transactions were in error and I had not been credited by my other bank and the amount was reversed in my XXXX XXXX account. However, as of XX/XX/year>, US Bank has reversed the {$80.00} deposit initially made to my US Bank account, despite the fact that a legitimate {$80.00} debit remains I refunded in my XXXX XXXX account. I contacted their customer care team even escalating this to a supervisor on the floor, and they advised me that this amount will be refunded to my XXXX XXXX account. 

I pointed out to them them reversals of check deposits where the the bank determines that there is insufficient transactional funds are not reversed into the account they originated from, and they insisted this is the case. 

From review of the transaction I can plainly see this is not the case. I was unable to proceed or receive further assistance because of this insisting on the part of both the manager and a representative.
Consumer complaint received 2023-11-20
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. (IL)

XXXX Is sabotaging my credit report, it has been constantly dropping for the last XXXX with no reason at allI have lowered all my debt each month there is no way my credit score should be constantly going down with them, this is ruining my credit. And ALSO I told the Credit companies to REMOVE all information regarding XXXX XXXX from my account because the situation was fraudulent, they refused to close the account when I originally told them too, regardless of what they are telling you, I filed a police report already. if my credit score is not fixed and you continue to ruin it, I will take legal action because you have no valid reason to give me negative credit reporting scores for XXXX month consistently without probable cause or explanation. 

XXXX Also sent me a confirmation letter of deleting the account as well. So I dont know whats going on. all I know is XXXX keep negatively reporting my account with no reason or explanation.
Consumer complaint received 2023-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NJ)

In XXXX XXXX, I observed a decline of over XXXX XXXX  in my credit score linked to Jefferson Capital , a company I believe XXXX enlisted to collect a debt wrongly attributed to me. Despite providing a recording from XXXX acknowledging the fraud, they insist on a police report, contrary to their policy. I declined to obtain a police report, and they persist in keeping the issue open, neglecting to resolve the erroneous debt. If you have an email, I will be happy to send you the voice recording between XXXX and myself.
Consumer complaint received 2023-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: PLANET HOME LENDING, LLC (OH)

On XX/XX/XXXX, husband placed multiple calls requesting payoff amount. Transferred. Multiple times with no answer. Calls lasted anywhere between 30 minutes to 3 hours. Would not let us payoff loan over phone. Stated we would have to fax them a request and could only payoff loan by certified check. Refused to give us a payoff amount over the phone or email. 
On XX/XX/XXXX, payment was made in the amount of {$8800.00}. They would only accept payment as long as we didnt use the term payoff, that we just wanted to make a payment. 

On XX/XX/XXXX, I sent an email and a fax requesting the payoff amount on our loan. Planet Home Lending has not responded as of XX/XX/XXXX. 

As of XX/XX/XXXX, a payment shows made XX/XX/XXXX {$8800.00}. However, our balance has not changed and they will no longer take our calls.
Consumer complaint received 2022-12-13
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. (WA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my Equifax credit report. Despite multiple attempts through various channels, the incorrect information persists. Additionally, I requested the deletion of all information in the employer section, yet these details persist on my report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online with Equifax : In XX/XX/2024, I submitted a dispute online via the Equifax website to address the inaccuracies in my credit report. 

2. Certified Mail Correspondence : - XX/XX/2024 : Sent the certified letter ( Green Return Receipt Number : XXXX XXXX XXXX XXXX XXXX XXXX ) detailing the discrepancies and providing supporting documentation. 


Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copies of the certified letter sent to Equifax, including a copy of my SSN card and a utility bill displaying my current address.

- A print of the credit report demonstrating the incorrect information present on my credit report.
Consumer complaint received 2022-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Its past the time an inquiry can report on my consumer credit report which is a violation. XXXX asking you to step in a reach out to this credit card company and have them to delete this item.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED. 

I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Texas. XXXX. Any other addresses or spelling is incorrect.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2023-11-21
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. (MI)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NC)

JPMORGAN CHASE BANK CLOSED MY SAVINGS ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$15000.00} DEPOSITED. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : XXXX XXXX XXXX XXXX. Contrary to the reported late payment in XX/XX/2023, all payments were made on time. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 I applied for a Bank of America credit card online but was denied. A few days later I received a letter in the mail from Bank of America asking for proof of employment and a SSN verification form XXXX to process my credit card application. I immediately mailed the information back. On XX/XX/2022 I called to see if my information was received. It had been awhile and I hadnt heard anything back in regard to my credit card application status. The female representative that I spoke with said that nothing showed in the system saying they had received any information from me, not even from the place which receives the incoming mail. She says it normally takes 48 to 72 hrs to process once the paperwork is received. She tells me to call back in a couple of days. Less than 24 hrs later, XX/XX/2022 there is another ( unauthorized ) hard pull of my credit by Bank of America. I immediately call Bank of America and I explained my displeasure with the unauthorized pull and she says that she would submit my complaint and someone would call me back in two days ( its been almost two weeks now. ) No return call, also stating the inquiry would be deleted without two months. On XX/XX/2022 I called Bank of America to inquire about the complaint to see why I never received a call back and was told by the representative that he was given a hard no! When he asked about deleting the second hard inquiry. 
I was lied too by the first representative whom told me that my information wasnt received. My information was deliberately withheld so they could do another hard pull of my credit! Exactly 31 days. I asked the representative on XX/XX/XXXX where does is state in writing that after 31 days it is legal to run my credit again and he couldnt tell me. My score dropped XXXX points from second inquiry. If I had to authorize the first pull I should have to authorize the second! What if I had changed my mind and no longer wanted the credit card. If I had known my credit would be pulled again I would not have accepted the card.
Consumer complaint received 2022-12-20
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. (VA)

On XX/XX/XXXX I contacted Experian about the following negative accounts CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.