davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Dear CFPB, Goldman Sachs ( Apple Credit Card ) is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contacted their customer service department on a recorded phone on XX/XX/XXXX. The Apple card support team told me they have no knowledge of the Credit protection statute associated with COVID-19, in which no delinquency can be reported to the following credit agencies below until 120 days after the Pandemic ended, which was XX/XX/XXXX. In addition, accounts can be modified based on the impact on consumers. I was never late on this account prior to being laid off. I paid each as long as could until my unemployment benefits ran out. 

APPLE CARD/ GS BANK USA XXXX Account # XXXX Date of Contact : XX/XX/XXXX Credit Limit : {$4500.00} NEVER /LATE to Start Date of Covid-19 ( XX/XX/XXXX ) Report : Late - XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Credit reporting Were required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (NV)

So I woke up one day and wasnt able to access my funds with us bank. No one can tell me why my account is being monitored and I dont have a clue as to why its being closed/blocked
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

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 Contract 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 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (PA)

Hello On XXXX I requested a refund from Ford Credit on a payment that was automated from my checking account.Ford Credit said they made a electronic payment refund. According to my bank statements there is no return. My bank gave Ford Credit a trace number that shows they took the money out my checking account. I have made several calls over the last 3 months. I have sent documents with the trace number. but yet they can't find them. I have been getting the run around. I request a refund or put the money towards my account. The money is XXXX my monthly car loan.
Consumer complaint received 2024-05-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC (CA)

SPECIALIZED LOAN SERVICING TRANSFERRED A PHANTOM CLOSED COLLATERAL FILE FROM XXXX XXXX XXXX FOR A DEBT OBLIGATION THAT WAS BY MUTUAL AGREEMENT TERMINATED, AFTER BEING ACCELERATED XX/XX/XXXX. AND BECOMING TIME BARRED AND ALSO XXXX XXXX CLOSED BY SETTLEMENT TERMS AS I HAD PREDATORY LOANS FROM MY FIRST XXXX AND XXXX ELECTED TO CLOSE THAT TO A XXXX BALANCE {$0.00}. 

MORE THAN XXXX YEARS SINCE FIRST DEMAND OF ACCELERATION. 
MORE THAN XXXX  YEARS SINCE LAST PAYMENT OF PRINCIPAL AND OR INTEREST THAT XXXX XXXX. CODE XXXX IS TIME BARRED AND FROM XXXX WAS ALSO XXXX BUT WAS ALREADY PRIOR CLOSED TO XXXX SINCE XXXX XXXX XXXX YEARS, XX/XX/XXXX TO XX/XX/XXXX. REMOVED OFF MY CREDIT. {$0.00} BALANCE. 

NOW IN XX/XX/XXXX XXXX HAD ACCESS TO STALE COLLATERAL FILE AND TRADED MY PERSONAL INFORMATION TO SLS AND THEY STARTED TO CREATE THE FAKE DEBT TO CLAIM IT WAS OWED AND DUE AGAIN. THEN HIRED A NEW SUB OF TRUSTEE TO EXCEED THE CONTRACT PROVISIONS AND EXCEED THE RULE OF LAW AND CREATE A FALSE NOTICE OF DEFAULT AND CHANGED THE DUE DATES THIS WAS TO FALSELY USE MY NAME TO COLLECT ON A XXXX  THAT IS BY LAW EXTINGUISHED AND SATISFIED. THAT SUCH NOW MY IDENTITY IS USED FOR THIS FRAUDULENT REAL PROPERTY THEFT BEING SOUGHT ON XX/XX/XXXX THREATENED TO TAKE OVER MY PROPERTY WHEN THE XXXX IS UNENFORCEABLE.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

As of late I decided that I need to keep a closer eye on my credit report. Upon review I was shocked and horrified to find a myriad of errors being reported on my credit report. These inquiry reportings are unsubstantiated and causing mayhem in my personal and business life. I am needing to get funding for my business and these dubious errors are causing unnecessary stress and harm to my mental health.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-15
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (MO)

After review, it was determined that XXXX accounts were opened fraudulently under my name. I reported the accounts and sent the FTC documentation of fraud to Salle Mae on XX/XX/XXXX. The loans are for {$20000.00} and {$5900.00} first disbursed on XX/XX/XXXX and XX/XX/XXXX. Sallie Mae said if they required further information, they would reach out to me. I received no follow, no notification of investigation, no response whatsoever until XX/XX/XXXX where they reapplied the loans to my credit and damaged it further. I was never once contacted by Sallie Mae after sending in all of the documentation from the FTC. They only offered one explanation for why the loans were removed then reapplied by stating " we could not confirm identity theft. '' After XXXX days passed, on XX/XX/XXXX, Sallie Mae responded stating they could not confirm identity theft however, they also did not state they could deny it. The family member who took the loans out and had access to my information has since passed before I was aware the loans even existed. Sallie Mae was also provided the FTC 's letter of notice to furnishers. Please help
Consumer complaint received 2020-07-19
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. (TX)

FTC Violations Wrong name - XXXX XXXX Please remove these address, do not live there : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX {$740.00} XXXX XXXX {$570.00} Inquiries - XXXX XXXX
Consumer complaint received 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

As explained previously, I am currently on the XXXX plan and have made the required payments each month since XX/XX/XXXX. However, each month my remaining interest balance has not been waived as required by the terms of the federal XXXX plan. This has caused my principal balance to go up each month, while interest continues to accrue, which means I am paying only against the interest each month instead of the principal as would occur if the remaining interest were properly waived after each month 's payment. This is also causing me to pay interest that wouldn't be required otherwise, as it would have been waived. I've reached out several times to Mohela, most recently via email on XX/XX/XXXX and only just received an email back on XX/XX/XXXX. The email notes that : " Thank you for contacting MOHELA, We apologize for any confusion. Please be advised that the Saving on a Valuable Education ( XXXX ) plan eliminates 100 % of remaining interest for both Subsidized and Unsubsidized loans after a scheduled payment is made under the XXXX Plan. This will only apply if the monthly payment amount established does not cover the monthly accumulated interest. For example : If {$50.00} in interest accumulates each month and you have a {$30.00} payment, the remaining {$20.00} of interest would not be charged. 

If your monthly payment amount is {$0.00} on the XXXX plan and you do not make a payment for that month, the interest that accrues throughout the month will not be charged. Please keep in mind that you may still see interest accruing daily on your account, however on the XXXX of each month for the month prior, that interest that accrued for the prior month will be cleared. '' Note the last sentence is directly contrary to what is occurring. I asked why my interest was not being waived as per MOHELA 's own words in this email and have not received any response. The lack of communication is clearly in bad faith and contrary to what they themselves say should be occurring. Thank you.
Consumer complaint received 2024-01-17
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. (AL)

You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update immediately
Consumer complaint received 2024-01-17
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NC)

These hard inquiries on my credit report are in accurate and I dont recognize any of them. Here are the following hard inquiries that I do not recognize this is fraud. 


XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK (TX)

On XX/XX/2023 I was contacted by an individual identifying himself as a representative of Discover Bank Fraud Department. My caller ID showed Discover bank and the individual sent me the expected text message to verify my identity by reading back the number code in the text. They proceeded to have me verify as either authorized or unauthorized, charges on my debit card, due to suspicious transactions. Some of the charges were actual purchases I transacted. Over the course of this call I was tricked into providing them credentials, driver license image, which they in turn used to conduct an unauthorized wire transfer from my savings account, XXXX, in the amount of {$110000.00}. I became suspicious and terminated the call and phoned Discover Bank directly. I was apparently just minutes late in alerting them to the unauthorized transaction. The wire had been sent and the wire recall request, as I later learned, was unsuccessful. 

I contacted the XXXX XXXX, FL Sheriffs Office, Economic Crimes Task Force. They requested that I urgently contact Discover Bank and report back with the wire transfer details : destination bank, account number, Swift number, etc., as they said there would be a short window of opportunity to recover the funds. Discover Bank refused to release the information to me, stating that it was under investigation by the bank. They did however provide me with a direct number for law enforcement use and to provide that to the Sheriffs Office. They assured me they would cooperate with law enforcement without requiring a subpoena. The county Sheriff agent contacted me later to inform me that the call was unanswered and that he received no return call from the voicemail he provided them.

I contacted Discover Bank several days later to inquire about the progress of their investigation. I was verbally informed that their investigation was closed. They stated that the receiving bank refused to return the funds, and there would be no restoration to my savings account. This was in despite of being assured during three different conversations I had with the bank on the day of the incident and the following day, that I could expect the funds to be restored. 

As of this date, XX/XX/2023 I have not received a formal notification of the results of their investigation.
Consumer complaint received 2024-01-17
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)

My information was sold and bough illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attchaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
* XXXX XXXX XXXX XXXX Bank {$650.00} *Midland XXXX XXXX XXXX XXXX Bank {$640.00} XXXX Funding XXXX XXXX XXXX bank XXXX XXXX {$510.00} *Merchants Acceptance {$470.00} * Capital XXXX {$840.00} * Macys/Citibank N.A {$1100.00} XXXX XXXX {$760.00} *Capital XXXX {$470.00} * Capital XXXX {$470.00} *One Main {$20000.00} * XXXX XXXX XXXX {$5000.00}
Consumer complaint received 2024-01-10
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 have been a victim of identity theft. 
XXXX XXXX XXXX XXXX where I was a patient/client at, their computer system was hacked and my information was stolen.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-10
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 just noticed XXXX XXXX XXXX XXXX on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with chase ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed certified letters to the credit bureaus on XX/XX/year> containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Consumer complaint received 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message finds you well. I am writing to follow up on my previous attempt to address the issue of a late open account on my credit report. 

Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial history. It is crucial to ensure the accuracy of my credit report for maintaining my financial integrity and credibility. 

I kindly request your immediate attention to this matter. Please take the necessary steps to correct the opening date of the account in question and ensure that my credit report accurately reflects my financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX