davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
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: Navient Solutions, LLC. (VA)

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs XXXX, XXXX  and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

Date of fraud was XX/XX/XXXX. It is for a loan from Citizens/XXXX XXXXXXXX for some type of security system. Address attached to this is XXXX XXXX XXXXXXXX XXXX XXXXXXXX IN, XXXX and I have never ever been there before nor lived there. The loan amount is {$3300.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Credit Limit {$3400.00} Highest Balance {$3500.00} Terms - On Record Until XXXX XXXX XXXX
Consumer complaint received 2023-11-09
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'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 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I applied to American Express, based upon a recommendation from XXXX  Credit reporting agency. According to XXXX, I had a 81 % chance of being approved for an american express card. 

I was declined, for numerous reasons, none of which apply to me. The reasons are listed below : 1. The amount of credit available on your bank credit card account with the least credit available is too low ( XXXX  ) 2. Too many of your accounts were opened in the last two years. ( XXXX  ) 3. The remaining balance on an existing education loan ( s ) is too high. ( XXXX  ) 4. The interest rate on your last open installment loan is too high ( XXXX  ). 


The information that American Express is using is illegal & discriminatory. I have a current FICO score of XXXX, my yearly income is over {$170000.00}. I have XXXX available to me in credit, of which my balances are less than {$4000.00}. 

I have credit cards with XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX ( auto loan ) XXXX XXXX, XXXX XXXXl If having a prior loan with a high interest rate and a high student loan balance are deciding factors in granting credit, this goes against the FCRA of 1965. This would also prohibit a large segment of the population from being granted credit. 

After speaking to American express, on XX/XX/XXXX, American Express stated that the decision was based upon XXXX XXXX findings. However, XXXX  was the reporting agency who recommended applying for the credit card. 

According to the credit department at American Express, my FICO score was not the deciding factor. So, is american express making decisions based on other factors? 

What exactly are the ground rules & requisites for applying for american express cards? what factors are really used?
Consumer complaint received 2023-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection. The information on this collection account is extremely false and fraudulent. It states a date of service of XX/XX/XXXX with an innacurate service address. The apartment I reside at was yet to be built in XXXX. The account now states that it was in collection on XX/XX/XXXX. This original creditor has tried to open a collection in my account in the past which I also disputed and was taken off my credit report and is now reopening a collection under a different agency. 
This is against the Consumer Financial protection bureau and this collection agency is violating the Debt collection practices. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this collection account from my credit report if it is found to be inaccurate. 

I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely,
Consumer complaint received 2023-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc (FL)

This is a follow-up on my prior complaint with blockficom so if you look prior you will see a complaint. 

Now they are supposedly allowing people to withdraw their cryptocurrency however the problem is is that they require a verification that in my opinion and experience of trying over and over XXXX plus times is impossible to meet. 

I have submitted as per their directions a front and back of my driver 's license which is a brand new driver 's license that has my current information on it. 

I've tried with multiple smartphones and also my computer with different cameras to take pictures of the front and back of my driver 's license. 

I have also scanned the front and back of my driver 's license and made sure that the doctor inch where is high resolution as possible to meet the verification. 

No matter what I've tried it always says at the end that it can't verify my Identity or can't verify the photos. 

I have also reached out to blockfi.com customer service and they were at no help at all is it didn't even look like they knew what they were talking about. They responded that I tried to upload pictures of a national ID and not a driver 's license which is not true it is a driver 's license and I have pictures to prove this.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

My Federal Loans are serviced by Aidvantage. I applied for the XXXX plan for the first time in late XX/XX/2023, and never received a response about a new payment amount. In fact, I have never received an explanation as to why my current payment ( which is now {$400.00} higher than before COVID ) is the amount that it is. I applied for the XXXX plan a second time in XXXX, with the same result. I recently applied for the XXXX plan a third time a few days ago and I'm waiting for a response. I was forced to pay {$1100.00} towards my student loan today, with no reasoning or calculation. I paid this amount only to avoid delinquency and cause further delay to my XXXX application ( s ). Our family is now experiencing financial hardship because of this incompetence, and lack of preparedness by Aidvantage. It is clear they are overwhelmed with applications, lack appropriate staff, and have no means to provide online answers to Borrowers. I am extremely frustrated and praying this is fixed before the next payment is due.
Consumer complaint received 2024-04-05
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. (FL)

Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX  XXXX Account # XXXX Balance {$230.00} XXXX Account XXXX XXXX Balance {$0.00} I want to be explicitly clear with my request. I am not requesting VERIFICATION of debt ; but instead, I am requesting VALIDATION of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
15 USC 1692g ( b ) states Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to provide me with said requirements within the generously allotted time period of 30 days, by federal law you are required to remove the accounts from my consumer report without prejudice. Also, according to FCRA laws while investigating this matter you must remove above mentioned account from my credit report while under investigation.
Consumer complaint received 2024-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-04-05
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. (GA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024 and I have not yet received a response.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to file a formal complaint against Td bank, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request to Td bank, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Td bank. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference.

I believe that Td bank 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of Td bank with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Td bank be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE XXXX XXXX XXXX HAVE XXXX ACCOUNTS XXXX & XXXX BOTH IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Equifax is govern by 15 USC 1681 ; as such, they have violated my rights numerous times, I demand that these accounts listed below be REMOVED!! According to 15 USC 1681, I have the right to privacy and I did not give Equifax my permission to furnish these fraud accounts. Equifax has given out false information and false credit scores for me that have cost me high interest payments denied credit ; XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX
Consumer complaint received 2018-05-08
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. (IA)

I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX , XXXX. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

I believed that my student loan payment may have been incorrect but decided to try to pay the incorrect amount anyways but the website does not let me pay due to error in the website. I have a screenshot, that is time stamped, available if required for proof. I tried calling MOHELA numerous times only to be placed on hold. I did not receive my student loan payment information until 3 weeks prior to the date it was due for repayment. So not only have I been unable to speak to anyone from MOHELA for the past month ( because I called before I received the letter in the mail with my payment info ), but I have been accruing interest on my loan when I am now unable to pay it and will be past due on my payment. I do not understand why this is such a mess when the loan servicer should have anticipated this months prior to repayment.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (CT)

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX SSN : XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : AMEX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC (AL)

Approximately XXXX years ago, I refinanced my XXXX XXXX mortgage loan through Loan XXXX Working under the assumption that all prior obligations were settled in accordance to established guidelines, I resumed regular payments as agreed. 
Much to my dismay, I was subsequently served notice that a particular attached debt incurred during covid pandemic had NOT been addressed, leaving me holding the proverbial bag for approximately XXXX  which was due immediately and not available to me at the time. 
Consequently, my credit scores and home equity suffered greatly as this development was totally unexpected and seems to be the product of some sort of legal malfeasance.
Consumer complaint received 2018-05-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On or about XX/XX/2018 I submitted a dispute to Transunion on the following items below. To this day Transunion has not responded or investigated the following issues on my credit report. Any claim to have investigated the issues is false since there has been no contact with me resulting from said investigations. 

Transunion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report.
Consumer complaint received 2018-05-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: Nelnet, Inc. (OH)

I deferred my student loans ( 7+ Different loans ) after graduating with XXXX in XX/XX/2013 from XXXX XXXX Univeristy. It was my understanding and I was told by the university that loans would be deferred 12 months. However, I was billed at the 6 month mark and billing invoices never made it to my address. They were sent to the wrong address. Therefore, at the 12 month mark when I contacted Nelnet ( student Loan company ) to pay my first payment and set-up a plan, all my accounts were 6 months late. 

This has stayed on my credit report ( 7 severely delinquent accounts ) For the last 5 years and has significant impact on my credit score.
Consumer complaint received 2022-02-02
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. (FL)

. I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information