davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
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. (CT)

On XXXX XXXX I notice that there where some inaccurate information on my credit report in which I ask the credit bureau to check to make sure everything was completely accurate, modified or deleted if its not. On XXXX XXXX I got my result back and the information came back verified and completely accurate but I dont know how everything is completely accurate if there are things that arent accurate but I dont know maybe the credit union where have a bad day Im not sure how they did there investigate within less than 24 hours what did they actual do to verified this account. Could the cfpb find out because am not sure what they did.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (NY)

I have sent several notices to the company about fraudulent and inaccurate information on my consumer report. They have yet be fixed and/or be removed even after they have done an investigation. This following account have interfered with my rights and must be removed in accordance with the fair credit reporting act. Discover Bank. I have also filed an identity theft report with the ftc. 15 USC 1681 section 6028 states that I have the right to privacy. 15 USC 1681 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions I require said accounts to be removed.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

My student loans with Mohela started again in XXXX. 
I am currently in XXXX and have paid 118 qualified payments. I only have 1 payment left for total forgiveness.

I have tried to make that payment 3 times. Each time Mohela send the payment back with an error from my bank. I have no attempts by Mohela to withdraw from my account.

I am now in default for 1 payment and I am not getting an answer from Mohela as to how to fix this.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed on multiple occasions with the CRA 's and directly to the creditor, Capital One. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the  information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$300.00} llimit, with having a past due balance of {$3700.00}! That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 240 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a reinvestigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However,, XXXX, XXXX, and XXXX continued to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

i sold a phone on XX/XX/XXXX through PayPal and still am waiting on my money! I've literally sent in proof of this transaction almost a month ago XX/XX/XXXX. So there should be no reason why they let this buyer dispute anything. I literally sent messages from the buyer telling PayPal herself to release my money. I'm pretty sure that PayPal keeps a transcript of all conversations and they can look up and see where I've sent in all of this information. they've been holding my money for 27 or so days when I've literally already waited 20 days to get my money. This is so crazy I really need my money. Can you please help this hold off on my account! I've already been told that the case has been resolved in my favor and my money is still on hold! they are basically helping this buyer scam me! The buyers sending you screenshots of herself texting herself, which is very weird and who, in their right mind would wait 20 some odd days to file a dispute, saying that they didn't receive an item. After I literally already sent Paypal the screenshots of the same buyer, saying that we met in person that no tracking information, and all of that was needed. there is no tracking number needed for this payment. And the agent told me all I had to do was go to the transaction and put that there is no tracking needed and that the transaction has been processed. So I did that. I also sent PayPal multiple screenshots of the buyer telling them that there is no tracking number needed for this and that we met in person, she even let them know that it was her fault for mistakingly sending the money how she did because she's a little XXXX. I literally sent all of this information, so there's no reason for my money to even be on hold at all!
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland crest collection agency brought debt from XXXX XXXX Bank. That I see on my credit report. They say there were payments made. If I was supposedly making payments why would I just stop?? I stated multiple times that I am a victim of identity theft sent them the police report and they are still calling me. Im not responsible for any debt through XXXX  XXXX Or midland credit.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NJ)

I was charged XXXX by mistake from XXXX XXXX XXXX XXXX, an XXXX  only company with no US support. Every time I call they state they will, but no one seems to issue a refund. It takes hours of my life and I am always told they will get back to me but never do nor issue the credit. 
This has been since XXXX. 
I submitted a prior request, but it is very confusing, since the charges were credited back all separately and the one in question shows one name on the charge and a different one on the credit. 
Chase was looking at the wrong amount/charge, which WAS credited back, not the one I was complaining about. 
What a headache. Hopefully I attached the correct printout to show the issue. 
The card started with a XXXX balance, yet still shows {$850.00} due when it should be back to a XXXX balance.
Consumer complaint received 2024-03-14
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (DE)

We contacted Freedom Mortgage on XX/XX/XXXX because we had a recent escrow analysis completed with the incorrect information. The escrow analysis projected our real estate taxes for XXXX to be {$2400.00}. My wife tried to explain to both customer service and the Tax Department that for the XXXX tax year, we were only billed {$1700.00}. The amount disbursed from escrow was only {$76.00} due to a credit we had of {$1700.00} from overpaying at closing. We requested multiple times for the tax amount to be updated to {$1700.00}. We initially were told it would be updated, then they said they needed documentation from us. We don't receive our tax bills since it is paid from escrow. We explained multiple times that they could visit our county website of XXXX XXXX XXXX and easily see the amount we were billed just like we did. We were told by XXXX XXXX this issue would be resolved by XX/XX/XXXX and we still have not had any updates. My wife handles mortgage servicing for another bank and has worked in this industry for the past 14 years so this should have been a very easy process. We asked to have our XXXX taxes updated to {$1700.00}. Then, after it was updated, we wanted a stop payment placed on the escrow refund that was sent to us for {$2300.00} and the funds deposited back into the escrow account. Once the funds were deposited, we requested for a new escrow analysis to be completed effective with the XX/XX/XXXX payment. So basically void the last escrow analysis completed. It is important that the effective date of the payment be XX/XX/XXXX and the previous escrow refund be stopped and placed back into the escrow account before completing the new analysis. Our monthly payment beginning XX/XX/XXXX should be around {$3000.00} with the escrow portion of our payment being {$210.00}.
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Hi! 

I received an email that I had a hard inquiry on my account, via XXXX XXXX. This morning I woke up to an email saying I had a Capital One credit card on the way ( I never signed up for ). I have XXXX  in touch with Capital One and I am working on cancelling the account that was opened and the credit card.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I started a part time job online it was to review some applications. after pushing the applications thru the website XXXX XXXX advised me I needed to submit a deposit to release the funds. I completed transactions from my bank on XX/XX/23 for {$160.00}, XX/XX/23 {$160.00} XX/XX/23 {$450.00}, XX/XX/23 $ XXXX $ XXXX {$2200.00}, XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2600.00} I submitted this to my bank as an authorized push payment I was scammed into submitting this payments. I reached out to my bank immediately and did not want to submit the claims and refund the money I know there are protections in place for situations like this. Please open an investigation for the bank will not assist in refunding these in question.
Consumer complaint received 2024-03-14
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. (OH)

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

This card was only used once, fraudulently. I rented a moving truck to move but my house flooded and I needed to delay my move. So within the same day I called both credit card and rental company. They told me to deliver it back by XXXX and there would be no fee. 

During the course of this and inquiring about payments, the moving company actually tried to reverse the initial charge. MORE THAN ONCE. The credit card company did not authorize it, so it didn't get credited back. I opened a dispute with them, but they ended up charging even more. 

I didn't use the truck. It was returned within 12 hours of getting it. The rental agency tried to refund the charge and it's all USAA and their inability to hire competent representatives. 

A cancellation with the truck company would have been a small fee. But because USAA screwed up processing the reverse charge, they are charging me for the price if I actually used the truck, and not the small cancellation fee in the contract.
Consumer complaint received 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I have disputed account listed below that does not belong to me and Experian, XXXX and XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXX, XXXX, reporting XXXX, XXXX, opened XX/XX/XXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX, reporting XXXXXXXX XXXX XXXXXXXX XXXX, opened XX/XX/XXXX XXXX XXXX, opened XX/XX/XXXX
Consumer complaint received 2023-05-22
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023 I received an email stating I had opened a bank account with Bank of America. Thinking it was a mistake i ignored it. Received a second email that my account was approved. When that email came in I proceeded to call Bank of America and have a conversation with someone. They explained they would close the account that was open with my exact information since it was not authorized by me. On XX/XX/XXXX the exact issue happened again. This time when speaking to the agent I asked if this was a Bank of America issue and she claimed it was a worldwide issue once again closing the account but advising me to pay for credit monitoring, which I did with XXXX. After months of monitoring I was forced to cut cost and that being one. In the time I had the service my personal information was never attempted to be used anywhere else. Overnight XX/XX/2023 once again I am receiving emails from Bank of America and Merrill XXXX a Bank of America system as well discussing online banking and a new application. This is a BANK OF AMERICA issue! They themselves are behind this and I want my information removed from their system immediately before legal action is taken and a call to all news stations.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Consumer complaint received 2023-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NJ)

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2018-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I applied to renew my income based repayment on my student loans on XX/XX/XXXX. I received a confirmation letter from Navient that my application had been accepted on XX/XX/XXXX. I received another letter from Navient onXX/XX/XXXX that my Income Driven Repayment Plan had been approved. It also reported that I should expect to receive the details of my new repayment plan after my current plan expired on XX/XX/XXXX. It instructed me to submit a new IBR application, even though Navient had already sent confirmation of receiving my application and sent confirmation that my income driven repayment plan had been approved.

As of XX/XX/XXXX, I have not received the details of my new approved Income Driven Repayment Plan. What I did receive today were 3 separate emails stating that my payments would be increasing to the amount I would have been paying had I not renewed my repayment plan. I would like to know the details of my approved income driven repayment plan and for my monthly obligation to reflect that repayment plan.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

It's my understanding that according to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? A few of the listed accounts seem to be incorrect, and it's causing me some distress.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.