davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (WI)

I made a purchase for a XXXX XXXX set for {$79.00}. After almost 2 months I received a product that I didn't order or purchase. I filed a complaint through XXXX & they did not resolve the issue & told me to file a dispute with my card issuer. I did that & they have not worked with me in a satisfactory manner. My brother died of XXXX unexpectedly on XX/XX/2023 & I was in XXXX for over a month. When I got back home to XXXX I called the company and submitted was I was told to submit. They denied me a credit saying I was missing information. I called & got the information they wanted me to submit. I faxed that to them. They had a complete packet from me that I mailed from my Post Office. Now they are saying I didn't have it all together in the same packet. They have all the information & more. I was scammed & they know this, XXXX ID # XXXX agreed with me on the phone the last time I called them. Now I need your help because I really don't appreciate being scammed by not only the original company in XXXX, but the credit card company here in the U.S.A. as well. Please help. I never received what I originally purchased and I just want the money back on my credit card in the amount of {$79.00}. 
XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-01-03
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. (FL)

In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX XXXX XXXX XXXX Account Number # # # # # # # # # # # # # # # # # # # # # #  XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX  Account Number XXXX  XXXX XXXX XXXX XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX Account Number XXXX
Consumer complaint received 2023-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (FL)

Their website has been down for a week or so and I need to change the extra principal amount to be paid on my autopay loan tomorrow XX/XX/XXXX as I could not work this month being sick. When I call, the machine states they are already closed, or I get put on hold for over 45 min
Consumer complaint received 2024-04-21
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A section : It also states a consumer reporting agency can not furnish a account without my written istructions. 

15 u.s.c. 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

According to FCRA 605B, it's mandated to eliminate any erroneous accounts from my credit report. Can you review the documents? Certain accounts listed are inaccurately reported. Compensation of {$1000.00} is due for each such inaccuracy on my credit file.
Consumer complaint received 2023-12-26
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. (KY)

I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of XX/XX/1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and XXXX they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you
Consumer complaint received 2023-09-01
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. (CA)

XXXX and Experian are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. 

Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are Experian and XXXX exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. 

According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Consumer reporting agencies XXXX and Experian DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to XXXX and Experian ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 15 USC 6802 ( b ) ( c ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. 

Thank you!
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I called and spoke with in agent on XX/XX/2023 regarding account # XXXX with XXXX XXXX. There is a note " CONSUMER DISPUTES THE ACCOUNT INFORMATION ''. The agent said the comment would be removed in 48 hours. I then received report # XXXX stating the comment was removed and shout show correct on my next report. My credit was pulled by me and a financial institute and the comment was still there. I have since called back 5 times and gotten hung up on by 3 agents and excuses that I could not be verified by submitting my ID and answering all question by the agent over the phone. ( as I have done before ). I also have been instructed to send copies of my ID and verification of address. I did not have to provide this information during the initial contact for this issue. Now that they have messed up all of sudden they can't discuss with me because my identity can't be verified. I believe it it a stall tactic. Since the initial contact the home I have been trying to purchase has increased by {$3000.00} and the interest rate has changed. So, the lack of follow through by Equifax has costed be upwards of {$3000.00} so far. The truth in lending act protects me from inaccurate, erroneous statements being reported to my credit report and can also be the basis of me being awarded monetary damages that resulted as inaccurate information. I am first of all demanding this account be deleted from my credit report and I am requesting {$3000.00} in damages for the long drawn out resolve to this minor issue.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am filing a complaint I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XXXX, XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect a current status to help protect the integrity of credit profile.
Consumer complaint received 2024-04-23
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting XXXX Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

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

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: MOHELA (CA)

I have a loan with Mohela ( https : //www.mohela.com/ ). I am in repayment process now and have made several payments on time. However, in the payment history, I noticed that payment was not applied to the principal even for those payment that was paid on time. I contacted Mohela on  XXXX / XXXX /17 and below is the response I received : " Interests accrues daily on federal student loans. Interests accrued between payments : therefore the amount of interest varies with the number of davs that lapse between payments. Payments must be applied first to any outstanding interests, and then to the principal balance. '' The payment that was made a year ago was applied to the principal, but somehow the term of the repayment was unilaterally changed to their benefit. So for the entire year, all of my payments went towards the interest. This is unfair because the payment plan was fixed by Mohela. This is unfair because I would never be able to pay off the loan since the payment will not be applied to the principal, even if it was paid on time.
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Please advice on how to proceed. Thanks.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Names on Credit Report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Addresses on Credit Report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Numbers XXXX XXXX
Consumer complaint received 2023-02-25
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. (IL)

XXXX and Equifax says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with TransUnion about 3 bankruptcies showing on my credit report, I provided a XXXX report showing no bankruptcies were on my XXXX report and they removed 2. XXXX is the Public records provider for TransUnion up to XXXX, the public record shows a XXXX filing, after XXXX they used the company XXXX. XXXX has initiated 2 internal disputes to TransUnion to remove # XXXX.
Consumer complaint received 2023-12-26
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. (NV)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NY)

PNC Bank is knowingly and intentionally engaging in fraud and the use of fictions identities to perfect fraud and money laundering. There is no account opened under the the first and last name only but rather the first middle and last name. PNC Bank is using the first and last name as a fictitious entity for money laundering with respect to its DEI and WOKE internal agenda. Additionally, PNC Bank which is using a forced arbitration clause to which I was not properly notified to perfect its criminal fraudulent activity. PNC has never responded to my requests regarding the forced arbitration clause which is in bad faith and used to perfect fraud, ante. This information was also brought to the attention of the CFPB director which via ia political affiliation condones the criminal behavior of PNC Bank with my identity.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
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)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-12-26
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX Equifax is violating my consumer rights to privacy And Inaccurate Information on my credit report according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries and accounts off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THESE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 
THESE ARE THE INFORMATIONS THAT NEEDS TO BE DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX