davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK (CA)

On XX/XX/XXXX, I opened a checking account with XXXX XXXX, which is operated by East West Bank. I have been using this account for my day-to-day transactions without any issues until XX/XX/XXXX, when I deposited my son 's check for {$660.00}. 

XXXX days later, on XX/XX/XXXX, I received an email notification from East West Bank stating, " Due to recent account activity, East West Bank has made the decision to exercise our right to close your account. '' This abrupt decision was surprising and concerning to me, as I had not encountered any prior issues with my account. 

I promptly contacted East West Bank 's customer service to inquire about the account closure. I used the in-app text support with a customer service representative named XXXX, who informed me that the reason for closing my account was the rejection of the {$660.00} check I had deposited. XXXX requested proof that the deposited check belonged to my son. In response, I provided my son 's birth certificate as evidence, indicating that I am his mother. 

However, a few days later, XXXX requested that I participate in a video meeting with both myself and my son to further explain the situation. I found this request to be a significant inconvenience and an unusual requirement. Dissatisfied with the customer service experience and the unnecessary burden placed on me, I decided to accept their option to close my account and requested the refund of my remaining balance as a cashier 's check. 

XXXX collected my address to send the refund check and informed me that I would need to wait for 30 days for the refund check to be processed. 

As of XX/XX/XXXX, I had not received the refund check, and the issuer of my son 's {$660.00} check had not received any notification of its rejection. I contacted the customer service again, and they asked for my address once more, stating that I should continue to wait. 

On XX/XX/XXXX, I reached out to customer service for an update, and XXXX informed me that my son 's check was rejected and returned, which is not accurate based on my contact with the check issuer. XXXX again collected my home address and told me to wait for another 30 days for the funds to be remitted. This ongoing delay and lack of resolution were frustrating. 

When I requested to speak with XXXX 's supervisor, he claimed that no supervisor was available and refused to escalate the matter. 

On XX/XX/XXXX, I contacted customer service once more to inquire about the status of my refund check and my son 's rejected check. The customer service representative, XXXX, informed me that she had forwarded my inquiry to the back office and instructed me to wait for their response. 

Finally, on XX/XX/XXXX, I discovered that my account was suspended. I am unable to log in to my account, and all attempts to contact customer service have been unsuccessful. This situation has left me deeply concerned about the safety and accessibility of my funds.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and concern regarding the multiple and unsuccessful attempts to remove fraudulent items from my credit file. Despite consistent efforts and a substantial amount of documentation supporting my claims, these fraudulent items continue to tarnish my credit history, causing me significant distress and financial consequences. 

I first became aware of the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency and provided extensive documentation to substantiate my claims of identity theft and fraud. These documents include police reports, affidavits, and dispute letters. 

Despite my multiple efforts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The negligence in addressing this issue has had devastating effects on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit file to verify the existence of the fraudulent accounts. 

An investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter, as well as an outline of the steps being taken to expedite the process. 

Written confirmation of the actions taken to rectify this situation and a clear timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that fraudulent items be promptly and accurately removed from my credit report. I expect that your agency will adhere to these federal regulations and work to resolve this matter in an efficient and satisfactory manner. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NE)

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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : 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
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

Hello, Again I have received message from EQUIFAX to send dispute form with documents which I have sent five times with all documents. 
Now I have decided to remove my profile with EQUIFAX and for such matter I have called EQUIFAX customer service but when I have said him to proceed for remove my profile, he has said that he transfer my phone to another person thanafter after long time he has disconnected my phone without any answer. 
I have just came from XXXX to XXXX but experience with EQUIFAX service I got harassment.please help me for such matter. 
Thanks.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (WI)

I have federal student loans with EdFinancial. 
I am on Income Based Repayment, and re-certified my income through studentaid.gov in XXXX of XXXX, and I was approved for income-based repayment in XX/XX/2023 according to my account information on studentaid.gov. My XXXX payment is {$0.00} per month. 
EdFinancial instituted a system update over the summer of 2023, during the student loan payment pause secondary to COVID. As a result of this update, I no longer have access to my payment or correspondence history, and my payment has been put on the standard payment plan. The monthly amount on the standard payment plan is {$490.00}, first paid on XX/XX/2023. When I called EdFinancial in XXXX of XXXX  about why my payment was not the income based repayment amount, they stated that they may have " lost '' my income-based repayment application. They also stated they could not access any of my payment or correspondence history from the old system. I made an official request for that information to be sent to me, and for them to do a check to find the " lost '' XXXX application. As of XX/XX/2023, I have only received the payment history by email. My payment is still the standard payment. Further, it says my amount due is {$0.00} in one location on my loan account, but in another location it indicates a next payment due of {$490.00} on XX/XX/2023. My loans are on auto-pay, and they did indeed withdraw {$490.00} on XX/XX/2023.
Consumer complaint received 2023-07-04
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. (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 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and there are two accounts that are reporting on my credit that is not my accounts along with some inquiries.I have taken notice that someone has been using my information to obtain credit in my name. I also attached my police report to support this statement. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Roberts Markel Weinberg Butler Hailey PC (TX)

On XX/XX/2023 and XX/XX/2023 I sent correspondence to RMWBH regarding the alleged debt in question. However, I have not gotten any response from them.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit Plan for any purpose.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (NJ)

Re : Avant Credit Card XX/XX/XXXX XXXX payment due. Balance existed based on the upfront annual fee. 
Since that time up until the month of XX/XX/2023, Avants systems in multiple areas were non functioning. 
Simply put, it was impossible to make an electronic payment. Every payment made up to XX/XX/XXXX had to be facilitated by a Customer Service Representative via a phone call. 
Late fees have been assessed due to Avants system failure. 
Late fee waiver requests and have been submitted and denied w/o explanation. Representatives have spoken conclusive and egregious untruths. 
I simply asked ( and have been asking ) for the late fees to be waived and their payment processing system addressed for functionality. There has been no resolution or seeming regard at all to provide a semblance of what be considered a reasonable solution. 
My communications between emails and phone calls are in double digits. The calls are supposedly recorded. My communications have all occurred with the last 5 months. The Avant Supervisor I escalated to provided no solution not the multiple Avant representatives prior. 

Would you please assist? Anything you could do would b greatly appreciated. 

Warm Regards, XXXX.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am the person making this complaint & I give CFPB authority to investigate this claim. I am writing concerning the following account XXXX XXXX XXXX XXXX XXXXXXXX. I am disputing the account type. It's inaccurate. Please delete it. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As of the end of 2022, I've written two letters to headquarters. 
The letters requested an inquiry as to why my account was being charged cash advance interest, when there have been no cash advances in the account for the last 4 years. 
I have yet to receive a response nor has the erroneous interest charges ceased. 
Spoke a representative from the company and was advised that these erroneous charges occurred because vendors sometimes post purchases as cash advances, thus resulting in fraudulent cash advance interest charges. If the company is aware of this, why don't they correct it.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

In accordance to the fair credit reporting act. This creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604A section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023 I sold an item through my paypal account in the amount of {$1700.00}. I sent the item to the buyer and it was recieved. Paypal would not release my funds and said they were holding them for 180 days for a correction. I tried to contact them on several occasions for an explanation, but was not given one. I was told I have to wait the 180 days. On XXXX XXXX I received notice from paypal they took {$1100.00} for the correction and gave me {$690.00}. I tried to reach out again for an explanation with no response. After doing my research I have found multiple articles about paypal stealing money from people illegally.
Consumer complaint received 2023-10-24
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am new in this country and I never have a credit card how do I get one while my credit report is missing? My credit report is missing because I have never one. Why am I being punished for being new in this country? Where should I start to get credit card?

Please in your report make the option of considering those who never have one otherwise I feel discriminated.
Consumer complaint received 2023-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

My student loan was discharged because the Department found that XXXX XXXX XXXX XXXX engaged in widespread misconduct that violates consumer protection laws under the borrower defense regulations.I attended to XXXX XXXX XXXX XXXX while operated from XX/XX/XXXX through its closure in XX/XX/XXXX. During the time I was charged and fully payed over XXXX dollars. From XX/XX/XXXX to XX/XX/XXXX I struggled with my credit and affected me economically. I contacted the company on XXXX for refund but did not received any information.
Consumer complaint received 2024-04-08
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically
Consumer complaint received 2023-04-20
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)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.