davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (IL)

Upon viewing my most recent consumer report, I saw a bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (NE)

I originally submitted a dispute in early XXXX for a late payment correction to be made to my real estate account. I uploaded forms from my bank that indicated there was never a late payment. 
Experian then instead of correcting my account simply deleted the whole real estate account from my report. I then called them back and explained what they had done and they said they would need to open a new dispute since the old one was closed. I am frustrated as to why I need to wait another 30 days because they deleted the whole account verses the late payment. This is not my fault. Can you please help me get this tesolved
Consumer complaint received 2023-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

This is the second time truist has gave an address for us to send a check via mail and however this check keeps getting lost per previous complaint we sent in a check to address. Truist has provided us and they could never locate the check We then later put a stop on that check and sent another to a XXXX XXXX XXXX Truist corresponded via mail that we send it directly to. There is now a check of $ XXXX that Truist has once again lost. I have proof that this check was overnighted to the address that was provided to me every time I call to verify if the check has been delivered, they mainly telling me no we haven't. We still have a outstanding balance and is not trying to help locate the check. I have documentation proving that the check was delivered and signed off at the address. Truist provided us with the address ( truist bank XXXX XXXX XXXX XXXX Md XXXX ) and once again can not find the check. We could of been had our mortgage caught up every since XXXX of this year but they are placing more stress on us and added more fees for something that is not our fault.
Consumer complaint received 2018-05-18
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: SYNCHRONY FINANCIAL (NY)

There is inaccurate information reporting to my credit report for late payments and charge offs from XXXX XXXX for PayPal, XXXX, Gap and XXXX XXXX Acccounts. These accounts are fraudulent. I have disputed multiples times and asked for verification documents to no avail. 

Dispute Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-10-13
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: EQUIFAX, INC. (FL)

XXXX XXXX received notification that I had hard inquiry on report from XXXX XXXX XXXX XXXX I did not apply for this credit. Tried to call company per to have them send deletion request due to not applying. No one would help me.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2023 between the hours of XXXX and XXXX my wallet was stolen from my unlocked car in the parking lot of XXXX XXXX XXXX XXXX XXXX RI . Four debit cards from Citizens Bank and three credit cards were stolen. By the time I realized I had been robbed all four of my Citizens accounts were completely drained of every dollar. All four accounts were overdrawn. A merchant by the name of : XXXX XXXX XXXX had continuously charged all four of my accounts until every account was empty. 

Of course, I immediately froze all of my accounts. I went to my local Citizens Branch and one of the managers submitted four official fraudulent cases, one for each of my accounts compromised. 

After ten days Citizens accepted two of the four fraud complaints and returned my money, but they did NOT accept the fraud complaint for the other two accounts. This arbitrary and incorrect decision was made in spite of the fact that the *same fake merchant* robbed all four accounts with very similar dollar denominations. It is so clearly and obviously fraud on all four accounts. 

I submitted a complaint to Citizens and asked them to reopen the unaccepted cases to see that the same fake merchant had wreaked havoc on *all four of my accounts* during the same timeframe.

There is no way that two of the cases are fraud while the other two are not.

It's the same fake merchant in the same time frame draining all four accounts until I had no money left.
Consumer complaint received 2023-11-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

I called several times XXXX, XXXX to Toyota XXXX XXXX to request the cancellation of extra fees on my loan : A service contract of XXXX dollars and a maintenance fee XXXX dollars and They told can I couldnt cancel them, I communicated again today XX/XX/XXXX to make a new request and they told me that both warranties were expired XX/XX/XXXX and I couldnt request refund, this opportunity I spoke with XXXX XXXX
Consumer complaint received 2023-11-28
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: Experian Information Solutions Inc. (MO)

17 months of on time never late payments to XXXX and refuse to give them back and you can clearly see these company is predatory and a fraudulent company experian. FIX MY ACCOUNT
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX Citi made the mistake of doing a hard inquiry on my account when they were only suppose to do a soft inquiry. I'd like to dispute this inquiry since they told me on the phone it would not be a hard inquiry. I have called to report this. Unfortunately I don't know if the customer service agent fully understood everything. She did say she would file it but she gave me no case number or any information on what would happen next. Hopefully you can kindly resolve this issue for me. It's on all 3 reports I'd like them removed. Thank you kindly
Consumer complaint received 2022-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Mohela received my loans over a month ago. My payments for PSLF transferred over. However, all of my months I was in forbearance did not transfer and are not showing. 

I should have 30 ( consecutive months that XXXX put me in forbearance ) XXXX ( cumulative months that XXXX XXXXXXXX put me in forbearance ) I do not show any of those. These are the months that once they finally apply the IDR Waiver will count. 

Mohela has not returned a message and I have sent 4 so far. 

The entire loan system is broken, people are being told wrong information. 

I will reflect back to XXXX when I was with Navient, they put me on extended graduate plan and never informed me about the IDR plan or PSLF. 

The lack of information cost me thousands of dollars and time I could of become eligible for forgiveness already. I began teaching in XXXX.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

Chime Dispute Number : XXXX XXXX ATM Case Number : Case XXXX On Wednesday XXXX, XXXX at XXXX I utilized the company XXXXXXXX ATM inside of my local XXXX located on XXXX XXXX XXXX XXXX XXXX . The machine didnt dispense any of {$140.00} nor gave me a receipt. I checked my chime account and I was still debited for the {$140.00}. I notified the XXXX employee and she just put a " out of order '' sign up on the machine and instructed me to call the the XXXX number on the back of the ATM. Well I did just that and was told I would have to file a dispute with my bank. Well on XXXX, I phoned my bank ( Chime ) and filed a dispute and the same day they denied it without even really investigating it. I then reached out on the XX/XX/XXXX to see why I was denied and they emailed me a letter of them saying why and decided to reopened the claim. Well now I was told I was eligible 100 % for the provisional credit since I have emailed and uploaded proof to XXXX. The date I was given was XXXX and the day has came and went. Now when I call chime and ask about why I havent receive it ; they just read to me " word to word '' about the rebuttal states that I should receive it on XX/XX/XXXX and their still investigating. Well their policy states ( which can be found on company website ) that if the investigating lasts more than 10 days they would issue this provisional credit ; in all honestly, its been more than 20 days and I still havent been issued a refund for my money I never received out of the ATM. Im just getting employees who are employed by chime to keep reading me rebuttals and a typical generic resolution call flow off a computer screen and not getting any real updates about my investigation. At this point, im willing to get a sheriff out to the store to retrieve footage because XXXX ATM merchant has not been out to the ATM to service it since I reported the fraudulent activity nor have been out to check to see if theirs extra money in the tray that I debited from their ATM. I need help and Im willing to bring in legal help in on this case if it isnt resolved before the New Year. Thank You for future reference for helping.
Consumer complaint received 2018-12-17
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. (IL)

The reason for my writing this letter is to inform you that this bureau is being unreasonable. I am a victim of identity theft, my information was compromised and fraudulent inquiries were included in my report without my consent or authorization. 
As a result, I contacted this company with a detail explanation that I am a victim of identity theft on XX/XX/XXXX. I pointed out in detail to them, of all the inquiries that I did not authorize and were fraudulent. BUT to my surprise this company still keeps on reporting these fraudulent inquiries and inaccurate information : 1. XXXX XXXX Never been my employer 2. XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5.  XXXX XXXX  6. XXXX XXXX  7.  XXXX Inquiry Date XX/XX/XXXX 8. XXXX Inquiry Date XX/XX/XXXX 9. XXXX Inquiry Date XX/XX/XXXX 10. XXXX XXXX Inquiry Date XX/XX/XXXX I also attached with it the following documents as proof of my claim : 1. Identity Theft Report 2.  Proof of identity 3. Section 605B of the Fair Credit Reporting Act This may also serve as a written notice of my intent to sue this company if they continue to insist on reporting this inaccurate information on my report.
Consumer complaint received 2024-03-15
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. (IN)

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SD)

I, nor any lender, is able to access my Equifax report. Equifax has placed a hard block on my file with instructions to call customer service to resolve. I followed those instructions more than XXXX  days ago and was told by their support team in XXXX that it would take XXXX  days to resolve via a ticket they submitted. That was more than XXXX  days ago. The folks in XXXX have only read only access and are just middle people who take notes for another team no person can communicate with. This is not a standard freeze or lock. When anyone pulls a report for me, all fields come back as XXXX, not sure what that means.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (GA)

Discover Card had fraudulently closed an account that had been reported as previously fraudulent activity. Discover Card did not properly file a dispute regarding a {$1000.00} amount prior to fraudulently closing said account. I continued to be charged interest as well as fees upon bringing to Discover Cards attention of fraudulent activity occurring. Once I spoke to an account manager who understood consumer law, the remaining {$1100.00} amount owed onto this account was settled and paid in full to me. This account through Discover Card was subsequently reopened without my authorization, without access to any credit amounts as the consumer, yet I am now being told I owe {$1000.00} to this fraudulent account, along with fees and interest and negative reports towards CFRAs. I will file a complaint to the proper magistrate court against Discover Card if the {$1000.00} amount reflected against me is not paid out to me and immediately.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/, I applied on-line for a Quick Silver charge card with Capitol One after receiving mail offering no fees on purchases and balance transfers with a 3 % fee but no interest for a period of time ( not sure of the period of time because after this didn't work out the way I planned/thought it would, I cut up the card, threw it and the mail out and called the company to cancel - I fished half of the card out of the garbage but couldn't find the other half ). I followed my initial application - at the time of the application- with a phone call to ask about the balance transfer which is the only reason I made the application. I'm not sure if they told me at that time that my credit limit was {$1000.00} ( I didn't care about purchases and didn't know that the credit limit included balance transfers ). But during that initial phone call I specifically asked about balance transfers and am pretty sure that I told the representative that I was not interested in new purchases but had two large amounts I wanted to transfer. They told me that I would have to wait about 11 days to call and find out about balance transfers. If they did tell me then that my credit limit was {$1000.00}, I'm sure they never during that initial conversation told me that a {$1000.00} credit limit meant I could only transfer a balance of {$1000.00}. It was my understanding that " credit limit '' meant new purchases, new debt, new credit. It was a lengthy conversation and the representive had ample time to tell me that {$1000.00} credit limit included balance transfers. When I called back after the 11th day, there was another long conversation when I learned I could not transfer my two high interest card balances because of the {$1000.00} credit limit. I explained that perhaps I was only approved for {$1000.00} because of the other two cards, the balances of which would disappear after the transfer. During that conversation I cancelled that new account and cut up the new card. In the meantime, my credit took a hit, I am sure, so even if I find another company that would transfer my balances, I may not be approved because of the lower credit rating. ( A side note is that I had erroneously misreported my income by forgeting to include my income with a simultaneous second job- which I did convey to the representative during that 11-day follow-up phone call but which seemed to have no bearing. )
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (MI)

Below is the letter I sent them : XX/XX/2023 Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I recently received a letter denying a credit card ( copy enclosed ). The reason for said denial was as a result of information you received from XXXX. That information indicated I have an identity theft risk. Also, enclosed is a copy of the page from XXXX indicatingXXXX under Address Match & Potential Fraud Alert. 

It appears your decision to deny the XXXX credit card, which by the way, I do not want, was inconsistent with XXXX report. As such, I have no complaint with XXXX. 

I believe my credit rating has been negatively affected by this contradictory information and am requesting an explanation and correction to my credit records. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Consumer complaint received 2023-05-03
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. (ID)

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I havent used this card in months My minimum payment have been increasing Each month and never been late @ until now because They stated I paid less then what was required, but paid on time.

This is insane, Im requesting this credit card company be investigated totally.
Consumer complaint received 2023-09-18
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX Balance : {$5600.00}.