davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
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 sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (NC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-07-07
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. (GA)

I sent a letter on XX/XX/2022 to Experian, XXXX, XXXX. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction.

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (MI)

On XX/XX/XXXX, XXXX and XXXX showed that I was 30 days past due on my XXXX/Fortiva account for XX/XX/XXXX and XX/XX/XXXX. XXXX shows the same account 30 days past due for ONLY XX/XX/XXXX. I made several calls about this and am still waiting for a resolution. I sent a letter to Fortiva on XX/XX/XXXX requesting the correction, and I am still waiting to hear something. I viewed my credit reports today, XX/XX/XXXX, and it still shows the errors. I signed up for XXXX in XXXX XXXX, and there was confusion about who was making the payments, so in XX/XX/XXXX, I was 30 days past due. However, XXXX had an agreement with Fortiva and made all the payments correctly in XXXX.
Consumer complaint received 2023-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

My wife and I wanted to buy a puppy and she found what she thought was a reputable breeder that had puppies for sale. The price was in line with what other breeders were charging. A deposit of {$400.00} was required, which we thought this was reasonable. The breeder wanted to use XXXX for the deposit transaction. We were not familiar with XXXX but the breeder said XXXX was offered thru our Chase Bank. I went online, logged into our XXXX account and saw XXXX listed as an option to use for making payments so we thought XXXX had to be secure, right?? 
Shortly after my wife completed the XXXX transaction, the breeder basically quit communicating with us and we knew pretty quickly that we had been scammed. I immediately called the XXXX customer service XXXX number asking for the transaction to be reversed and was told the fund transfer could not be reversed and there was nothing XXXX could do even though the scammers name and account # appears on my XXXX statement. The next day I spoke with my local XXXX office and was again told the transaction could not be reversed and also told that even though XXXX appears on the XXXX website, it is a third party not controlled by XXXX and therefore my money was gone. ( I just recently found out that XXXX XXXX has XXXX in XXXX ) XXXX 

XXXX still has a significant presence on the XXXX website. Why? Scammers present XXXX as a safe secure method of transferring funds. Scammers point out that XXXX is on the XXXX website so its got ta be safe, right?!! In fact, up until recently, when I'd access my XXXX account on line, a pop up box would ask me if I want to activate the XXXX feature. 

In an effort to gather as much information as possible to include in this complaint, I recently spoke with my local Chase representative ( who is the same person I spoke with back when I was scammed ). He said that, yes, there is still information about this scam noted on my account history ( including his notes and the inquiry he submitted up the ladder back then ). 
I asked if I could get a copy of that info to include with this complaint. He said he would check but called back and said the XXXX XXXX department said no, I could not have this information, unless I had a subpoena. WOW! Great customer service... Why can't I access information about my own account? 

I would like to submit a complaint to the Consumer Financial Protection Bureau, asking for the CFPB to convince XXXX or XXXX to refund my {$400.00}.
Consumer complaint received 2022-11-19
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, CA XXXX XXXX You ae in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX. Acct : ending in XXXX, XXXX XXXX. Acct : ending in XXXX, XXXXXXXXXXXX XXXX XXXX, Acct : ending inXXXX ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/, I paid American Express account number XXXX, the amount due of XXXX leaving a XXXX balance. On XX/XX/, I received a bill for XXXX for interest on Purchases on XXXX/XXXXXXXX XXXX  XXXX ) and Introductory Purchase Rate Expired XXXX  ( XXXX ). Total XXXX
Consumer complaint received 2024-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a mortgage with XXXX and sold the home in XXXX. 
I never received a 1098 and paid close to {$3500.00} in interest to XXXX. 
I have been calling them since XX/XX/XXXX, messaging on app, went to bank branch. 
I am told the " fullfillment department '' can only mail the form and each time i am told i can call back if i have not received the 1098 in XXXX  days. 

when i call back, the reason i have not received it is blamed on the post office or i am told there is no record of the request.

I have a copy of the message in the app from XX/XX/XXXX with " XXXX ''. 
I can not do my taxes without the form. the tax professional will not record the deduction without documentation and it reprsents a substantial refund for me. I am not allowed to talk with the department directly. Going to the branch or repeatedly calling and speaking with customer reps does not produce the form. 

The bank Should have sent the 1098 with the payoff letter/notice!
Consumer complaint received 2017-12-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lyons, Doughty & Veldhuis, PC (OH)

an unknown person open a credit card with XXXX XXXX XXXX, they sold off the debt when they were unable to verify the person who opened the account. Since that time XXXX XXXX XXXX, XXXX aka Lyons, Doughty & Veldhuis P.C. has garnished by wages and I finally got a release but not all my monies have been returned.
Consumer complaint received 2023-10-22
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX  my card was used by a merchant for an authorized charge- they had my card details ( on file ) but were not authorized to make the charge for an order that the merchant claimed had been cancelled. I had noticed a pending order on my XXXX account that was at a higher price than was specified in a contract with them, and contacted the merchant to cancel the order. Their agent told me that he had successfully cancelled the order. However, I did not receive a cancellation email. I checked my CapitalOne account and found that they had indeed charged me card although I had been the order had been cancelled by the merchant. I contact the merchant ( XXXX ) but they told me that last agent I spoke with had lied about the cancellation and he had not placed a cancellation request. However, XXXX said " they could nothing '' since the item been shipped in the intervening period when the cancellation was supposed to have been cancelled and my CapitalOne Venture card had been charged. Its such a betrayal, to have to deal with a company that lies to its customers. I reported the unauthorized charge to Capital One, concerned that the merchant had access to my credit card number and was using it for purchases I didn't authorize, but the CapitalOne agent didn't offer to place a hold on the card or to stop the card from being used by the merchant. He wanted to wait a few days " to see what would happen ''. I'm pretty much left to deal with this on my own. Capital One charges a great deal of interest on its cards, and for it not offer any fraud protection is ridiculous. Rather than ask to speak to the Capital One agent 's manager, which is what I may have done, I wanted to hold this agent responsible for his decision. I asked if he knew which govt agency regulated the credit card business of Capital One because I wanted to file a complaint, but he said " uhhhhhh '' and then ignored the question. I asked if he could ask someone if he didn't know and again, he said " uhhhh '' and then ignored the question. So hopefully the CFPB can help with this.
Consumer complaint received 2018-10-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

Nelnet Nelnet has been asked to provide proof of All loans for account Account : XXXX and has not Nelnet has been asked to provide validation of All debts Information regarding approval and validation needs to include accurate information that matches information reported to CRAs for Account : XXXX and has not NELNET has been asked provide records of All purchase of loans from other companies for Account : XXXX and has not Nelnet Per FDCPA this Must be provided within 30 days when requested and was not has in over 19 ( by own admission ) instances to the CFPB and Company asked for information that is reported incorrectly on Credit Report to be removed or changed This has not happened Nelnet has violated FCRA by failing to provide accurate and timely information to a CRA Nelnet has violated Federal and State Negligence Laws by failing to act in a manner consistent with a negligent act
Consumer complaint received 2024-04-12
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit.It 's my understanding that XXXX will investigate this account for me to ensure accuracy here are the accounts Iam asking you to verify as accurate : XXXX : Account Number XXXX XXXXXXXX XXXX : Account : XXXX XXXX : Account XXXX XXXX : Account XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTXXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

13. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Delete this account. 

14. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account. 

15. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2024-05-01
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I CALLED XXXX AND XXXX. THIS IS BY FAR THE WORST BANK WITH MANY UNSOUND BUSINESS PRACTICES. I WAS REPORTED LATE. MY CREDIT WAS PULLED WITHOUT MY AUTHORIZATION XXXX. WHY WOULD I APPLY FOR NEW CREDIT. I EMAILED XXXX ALL MY EVIDENCE. 
I AM GOING IN FOR XXXX DUE TO A FALL IN XXXX AT THE XXXX  I OWN WHICH IS ON THE MARKET FOR SALE. I AM ON LEAVE FROM WORK DUE TO MY INJURY. I HAVE CALLED FOR MANY MONTHS WITH XXXX ASSITANCE. 
DEALING WITH THESE PEOPLE FRANKLY IS DANGEROUS AND THE XXXX SHOULD PUT THIS BANK OUT OF BUSINESS. I REQUESTED A FOREBEARANCE, LOWER MY INTEREST RATE. I NEED ASSITANCE UNDER 12 MONTHS. REPORTING ME LATE WHEN I MADE A PAYEMNT ON TIME. I HAVE VERY LEGITIMATE HARDSHIP. I HAD TO PAY HIGH LITIGATION FEES DUE TO MY XXXX NEGLIENCE AND THIS IS PUBLIC RECORD. I HAVE BEEN TRYING TO SELL MY UNIT AND BY NO FAULT OF MY OWN THE BUILDING DID NOT PASS INSPECTION. I HAD NO CHOICE TO XXXX. 
DEALING WITH CITIZENS BANK IS HORRIFIC, DANGEROUS, RISK FACTOR, UNSOUND BUSINESS PRACTICES. THE TATITICS IS UNACCEPTABLE. 
NOW, I HAVE TO HIRE AN ATTORNEY FOR THIS ACCOUNT TO GO INTO LEGAL ARBITRATION. XXXX XXXX HAS BEEN CONTACTED. I WAS FLAGGED AS 30 DAYS LATE. I HAVE ALL MY UNDISPUTED EVIDENCE OF NAMES, DATES, TIMES WHO I SPOKE TO, WHAT WAS SUBMITTED. THIS WILL GO TO XXXX XXXX AND OTHER INDIVIDUALS AT CITIZENS BANK. THIS BANK IS VERY UNSTABLE AND HOW IS IT POSSIBLE THE CFPB OR XXXX HAS DONE NOTHING TO CORRECT THESE DANGEROUS BUSINESS PRACTICES. I AM AWARE I OWE THE DEBT. I NEED ASSITANCE FOR VERY GOOD REASON AND THE DISCRIMINATION AMONGST OTHER TATITCS WHICH ARE NOT LEGAL WILL BE HANDLE, THE FUNDS I HAD WENT TO LAWYER SINCE CITIZENS UNSOUND BUSINESS PRACTICES FORCED ME NO OTHER CHOICE.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (OH)

I worked with TD Bank for months to resolve a disputed transaction dating back to XX/XX/XXXX. It required countless calls, faxes, and follow-ups to them to get the situation resolved. On XX/XX/XXXX, they issued a provisional credit to my account in the amount of {$58.00} labeled XXXX XXXX. This is shown in the attached statement for period ending XX/XX/XXXX. On XX/XX/XXXX, TD Bank mailed a letter ( attached ) indicating the review of the dispute had been finalized, and the provisional credit previously issued was to be final. On the statement for period ending XX/XX/XXXX ( attached ), there was a charge on XX/XX/XXXX for {$58.00} labeled XXXX XXXX. On XX/XX/XXXX, I called their customer service department to inquire about the charge. The representative confirmed that the dispute had been resolved in my favor and there was no reason for a reversal to be processed. She indicated that I would be re-credited the {$58.00}, and it should hit my account within five days. As of XX/XX/XXXX, the credit has not been issued.