davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
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. (NY)

About a month ago I realized there were fraudulent charges on my XXXX account. I called XXXX. They removed the charges and closed the card. They sent me a new card BUT charged me interest on those fraudulent charges ( which they assured me in a letter ( attached below ) they mailed to me they would NOT do ). I was also assured this would not get reported to the credit bureau. I didn't realize this so of course it was marked late. This was reported late and was reported to the credit bureau mid XXXX of this year. 

I called and told them this was wrong, and they removed the interest charge of XXXX and credited me back. Unfortunately, the negative mark on my credit report that XXXX has reported has not been removed. It caused a big drop in my score. I need this to be removed ASAP. I called XXXX multiple times with no success. 

I also requested they give me a letter saying that they made a mistake, and this late payment should have never been reported. They haven't done this. I explained to them the importance of updating the report. 

I am currently getting mortgage for a house will not be able to if my score doesn't go up. I will lose the home I am trying to purchase. I understand it takes time to take things off my credit report, but XXXX can at least give me a letter saying this was reported my mistake. I also disputed this XXXX late payment on all the credit bureaus. It was reported mid XXXX of this year. I need this negative mark off my credit report ASAP. Please if you could help I am desperate at this point.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: T.S. Holdings (UT)

I was contacted by IQ Data, a specifically XXXX, whom yelled, screamed, threatened me, and refused to accept any information that would prove that I dont owe them, or Country Lake Apartments any money. 
I am enclosing a letter from Country Lake Apartments themselves saying I owe them NO money. I would like this to be removed from my credit report. As well as I would like XXXX and IQ Data to answer for the harassment bullying behaviors and attempts to illegally extort money from me, when clearly none is owed. 
I would like an investigation opened into this and their criminal behavior. As well as it removed from my credit report. Please, and thank you.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

XX/XX/13 there was an authorized charge on my checking account that I immediately notified my bank. I was looking at the price of the tickets and decided not to buy them closed the computer and when my husband looked the tickets were purchased and neither of us processed the charge. I told the bank they gave a provision credit and then about a month later it was put back on. I went into the branch to see what happened and my banker XXXX XXXX XXXX from US Bank said that the fraud department sent me a form. I never received a form and this has happened before with a credit card charge that was fraudulent and the same department said they sent documentation and didn't. Since they said that this documentation was sent and I knew it wasn't I asked if they could fax or email the document and they said no. I asked them if they could send it to the banker at my branch they said no I asked if they would send it certified and they said no. Now I am trying to get this resolved because my account is now negative and I can't close the account out and my bank won't assist me in correcting the issue. If a bank can't protect your money from fraudulent activity then what do you do to keep your money safe especially since it is not recommended for you to keep your money in your home?
Consumer complaint received 2024-01-14
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-01-05
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: JPMORGAN CHASE & CO. (MO)

I am sending a XXXX & XXXX for JPMCB stop giving my non public personal information being disclosed without my consent. I never instructed them to give out my XXXX to non affiliated third parties. Their agreement does not have an opt out clause. Theres no signature from me ( for written consent for them to report to the CRAs ). Per 15 USC 6802 & the Gramm Leech Billey Act of 1989, a furnisher has to clearly and conspicuously offer a non disclosure clause for consumer reporting, this was never done. Also they are reporting on my credit report inaccurately. I have attached a copy of the inaccurate reporting to this complaint. This has caused me a lot of damage on top of stress. I have been denied credit due to this account and I want it removed immediately. According to the FCRA my credit report should be reporting accurately and it is not.
Consumer complaint received 2024-04-25
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. (MO)

Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request a letter to verifying my identity for the verification process. 

Please find below the details verifying my identity : I kindly request that this letter be addressed to the appropriate party. 

Removal of any blocks placed on my credit file. 


Thank you for your prompt attention to this matter. Should you require any further information or verification, please do not hesitate to contact me at XXXX Sincerely, already mailed identity verification certificated mail
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

After sending complaints here in CFPB these unauthorized and fraudulent inquiries are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the unauthorized and fraudulent inquiries that are reported on my credit report. These inquiries are NOT MINE! Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-01-05
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (TX)

I was contacted by Credit Control , LLC dba XXXX XXXX XXXX, XXXX in reference to a debt owed to XXXX in XXXX  on XX/XX/XXXX. I responded the same day with a cease and desist letter informing them that I would prefer to deal with the creditor and not a collection agency. On XX/XX/XXXX, I received an automated call from XXXX XXXX XXXX requesting that I contact them.
Consumer complaint received 2024-01-04
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: Early Warning Services, LLC (CA)

I received XXXX pieces of mail from XXXX XXXX XXXX ( I have no accounts with this bank ) The first is a letter stating that a request to open a deposit account has been denied ( I didn't try to open an account ) The second XXXX pieces of mail are XXXX separate identical checks for {$10.00}. stating " Enclosed you will find a check from your XXXX XXXX XXXX Prepaid card account. You will see this as a debit on your account.
Consumer complaint received 2024-01-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

I have just been notified twice by Jefferson Capital that I owe XXXX {$370.00}. The bill shows I ( you paid ) {$1.00} on this account, XXXX account number XXXX and JCS reference number is XXXX, AND I did NOT pay them {$1.00}! They state this is for an account between XX/XX/XXXX and now. I have not had a XXXX, usable XXXX, account since approx XXXXI dont recall exact year and that was paid in full. I phoned Jefferson Capital today, XX/XX/XXXX, and spoke with XXXX or XXXX-I couldnt understand him clearly. He threatened me with my credit bureau accounts and demanded payment. I could barely understand him and he would not listen to me until I said shut up which he did until I thought he had heard me but apparently not- as he continued demanding payment. I did not pay them {$1.00} on this account they say I had in XX/XX/XXXX. It is not my account. I live on social security fixed income and many, many people are targeting us. I will not pay liars and thieves. Please get these harassing people with false claims shut down. Unless you are XXXX, you can not understand how we, as XXXX, are being preyed upon and persecuted. 
Please resolve this issue for me.
Consumer complaint received 2023-04-16
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. (NY)

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account na, XXXX XXXX XXXX XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TN)

Cavalry SPV I , LLC said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to
Consumer complaint received 2023-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX 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.
Consumer complaint received 2024-01-04
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: GOLDMAN SACHS BANK USA (FL)

XXXX XXXX XXXX XXXX {$1600.00} XXXX {$1600.00} XX/XX/22 - {$2200.00} XXXX {$2800.00} XXXX {$2800.00} XX/XX/22 - {$2800.00} XX/XX/22 - {$2200.00} There were no disclosures provided ( agency, lead based paint, radon, mold, i.e. ) as required by XXXX XXXX XXXX City Code. XXXX XXXX XXXX also classifies the unit as an illegal rental unit. There can be no consent of the tenant that would make the contract legal IF the contract was illegal from the beginning, which it was/is per XXXX XXXX XXXX city code . 

Attached are copies of the city code and proof of lack of permit/inspection.
Consumer complaint received 2023-09-21
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MD)

JPMorgan Chase Bank closed my account without giving me a specific reason. They closed my account on XX/XX/2023, and they promised to send me a check with the funds left in the account ( a total of {$1300.00} ). After 15 days, I didn't receive this check and I went to their branch to ask for more information. Their branch said the check will be mailed to me approximately 15 business days later. But I haven't received any funds from them so far, and it's about 2 months after they closed my account.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to dispute and express concern regarding the handling of the recent dispute related to inaccuracies found in my credit report, as per my rights under Section 1681i ( 5 ) of the Fair Credit Reporting Act. 

On XXXX XXXX  I submitted a dispute to XXXX regarding the account XXXX with MIDLAND CREDIT MANAGEMENT in regards to the validation of this debt on my credit report. Pursuant to Section 1681i ( 5 ), the credit bureau is required to remove or correct any information that is found to be inaccurate, incomplete, or unverified within a reasonable time frame. 

However, after the investigation process, the information was deemed as validated, without providing adequate supporting documentation or evidence. This is in direct violation of my rights under the FCRA, as the credit bureau failed to conduct a reasonable investigation and merely accepted the validation without due diligence. 

I kindly request a reevaluation of this dispute, adhering to the legal obligations outlined in Section 1681i ( 5 ). Please provide me with specific details and documentation supporting the validation of the disputed information, as required by law. 

Furthermore, I emphasize the importance of accurate reporting as it impacts my ability to obtain fair credit terms. Failure to comply with the FCRA regulations in this matter may result in legal action. 

Enclosed with this letter is the report number generated with this dispute which is XXXX, including the initial dispute, proof of delivery, and any supporting evidence concerning the inaccuracies. 

I expect a prompt response within 30 days, as stipulated by law, acknowledging the receipt of this dispute, along with a detailed plan of action to rectify the situation. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MD)

Noticed unauthorized new account on my credit report contacted company and disputed with XXXX XXXX XXXX XXXX Told them it wasnt me and claim was denied and to date Im still responsible. Also received call from XXXX XXXXphone number XXXX whom I thought was legit in the case and after giving my info ( social etc. ) found out its a scam so now Im even more concerned and need my accounts frozen
Consumer complaint received 2023-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I am a private student loan account holder with Navient. I requested from Navient a detailed student loan payment history that includes the bank accountor at least the last four digits of said accountfrom which my payments to Navient were withdrawn. Navient has refused to provide me with this information.

By way of background, I am in the middle of a process to have my past student loan payments reimbursed. Among other documents, the reimbursing party wants two documents : ( 1 ) the bank statement showing the withdrawn payment; and ( 2 ) my student loan servicers payment history showing acceptance of the payment. All this is to say that they simply want me to demonstrate that I made a student loan payment from my bank account. However, for the payments in question, there are no existing bank statements because these payments that I made to Navient are over 7 years old. According to XXXX XXXXmy personal bank from which these payments were withdrawnthey do not keep bank statements over 7 years old pursuant to federal law. After working tooth-and-nail with XXXX to otherwise obtain these statements, it was clear that the statements do not exist. 

That said, the reimbursing party advised me to find another source of this information, so I called Navient. And indeed, I was advised by Navient that Navient has this information on its end ; this information is not available on my end. To acquire this information, I submitted XXXX requests over 2 months ( XXXX and XX/XX/2023 ) to have produced a more detailed payment history with the bank account information but was ultimately told on my 4th phone call ( dated XX/XX/2023 ) that it is Navients policy to not disclose such information. After going back-and-forth during the 4th phone call, the worker from Navient with whom I spoke instructed me on my options. He advised that I could mail a hardcopy request ( which he admitted would likely be futile ) and/or initiate legal process, i.e., a subpoena. I think it is perfectly ridiculous that I would have to undertake legal process to simply obtain bank account information for payments that I made to a student loan servicer. 

The worker with whom I spoke at Navient during the 4th phone call advised me that the main issue is the risk that a writing with the bank account information will be lost, intercepted, or otherwise possessed by a third party, thereby rendering Navient liable. I made it demonstrably clear how absurd this policy was, given that another Navient worker had advised me orally over the phone which bank account the payments were withdrawn from and that Navient could simply send the information over a secure email or through my account portal. 

That is the gist of my complaint. Thank you.
Consumer complaint received 2024-04-25
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. (WI)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.