davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to address a concern regarding the accuracy of my credit report. After reaching out to XXXXXXXX XXXX XXXX XXXX regarding the validity of the debt, I did not receive any information to substantiate the claim. Upon reviewing my credit report, I noticed that the account with the following details is incorrectly reported as a late payment account with a balance due : XXXX - XXXX XXXX XXXX Open Date XX/XX/2007 Balance : {$93000.00}. I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. Please investigate this discrepancy and make the necessary corrections to ensure the integrity of my credit report.
Consumer complaint received 2024-01-05
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: CLGF Holdco 1, LLC (CA)

The first notification was through my bank alert and right after a XXXX XXXX alert on XX/XX/24. I contacted my bank and told them I was notified of 2 hard inquiry pulls that I never authorized. Once, I spoke to my bank they told me to get in contact with the credit bureaus to notify them of the ongoing situation. I was the advised by all 3 bureaus to take action.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUITY LOANS LLC (GA)

opt out letter sent to company, rescinding/revoking their ability to report on my consumer report on XX/XX/ receved by company on XX/XX/, 27 days later they have not complied they were given 10days whiach would have been XX/XX/ certified mail # XXXX
Consumer complaint received 2024-01-05
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: BARCLAYS BANK DELAWARE (TX)

I paid my entire balance of {$1000.00} from by bank and had a {$0.00} balance. 10 days later they took {$1000.00} again. I contacted them on XX/XX/XXXX. I wanted the money direct deposited and he said he could only mail a check and said he did. XX/XX/XXXX I call in upset because Ive had no check. They essentially blamed me and said there was nothing they can do to solve what happened. The manager got on the phone and agreed. He finally said try to cancel the payment from my bank. I still had no funds for 14 days due to their error. I would like a {$50.00} credit on my statement for the loss interest I would have made and their failure to comply with my request to get my money back with a negative balance. Total failure by Barclays XXXX XXXX card.
Consumer complaint received 2018-12-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX I submitted a dispute to XXXX for XXXX XXXX XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to XXXX. I never received a response from them. I contacted XXXX  on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. XXXX  is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while Transunion is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, XXXX  is reporting payment history on a closed account and the debt has increased several times. Transunion is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Equifax is currently reporting an incorrect address on my credit report and not only are they in violation of 15 U.S.C. 1681c-2 ( a ) as I reported fraud on this address and in that they are required to remove it within 4 days of the the identify theft report which was received by them on XX/XX/XXXX, but this address is a non mailable address that represents a debt that is not valid. And in accordance with 15 usc 1681 n-1 must be removed immediately.

Across the board all 3 credit reports have to report the same info it has already been investigated by XXXX and XXXX already removed the accounts and list the proper information Equifax is the only agency not reporting properly which is in violation of 15 U.S.C. 1681e ( b ) .please see the personal information portion of my credit report attached to verify I ask that Equifax remove the address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX immeditatley. They are to replace it with my proper address of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately :
Consumer complaint received 2022-12-19
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: ERC (TX)

Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Berman & Rabin, P.A. (KY)

All XXXX XXXX XXXX XXXX has turned my account over to a collection agency. However, even after doing so, they continuously call me, and they continue to send me bills that have increased 10 times over compared to what the collection agency states is owed.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (SC)

XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX. 

On XX/XX/XXXX I logged in to my current account I have with Barclays XXXX XXXX  to review balance and payments due for my Navyist Rewards Master Card XXXX. After I did log in, I noticed there was another credit card Jet Blu Plus Card XXXX with an available balance of {$8000.00} which was opened without my knowledge and I have never requested for. 

After I noticed about this, I checked my bureau credit report and there is a report for this inquiry I never requested for. I also can see the personal information ( Address and phone number ) does not match with my current personal information. I moved to my new address on XXXX, XXXX and Barclays Card was still sending promotional letter to my old address. 

I placed a hold of my email and updated on my Barclays mobile app, my personal information to my current credit card I have with Barclays US Bank ( Navyist Rewards Master Card XXXX ). 

I have tried to contact Fraud for XXXX consecutive days to Barclays Bank but they do not pick up my call after I am waiting for more XXXX hours in the line to report this.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to bring to your attention a concerning issue I have encountered with XXXX, regarding my student loan account XXXX. Despite my attempts to resolve this matter directly with XXXX, I have not received a satisfactory response, and I am seeking your assistance in addressing this matter. 

On XX/XX/2024, I submitted a formal request to Aidvantage for validation of debt pertaining to my student loan account. However, to date, I have not received any acknowledgment or response to my request. Instead, I have noticed that XXXX unilaterally increased my interest rate without providing any explanation or prior correspondence regarding such a change. 

Furthermore, I was alarmed to discover that the agreed-upon forbearance date was unexpectedly moved up without any prior notification or explanation from XXXX. This unilateral action has caused significant inconvenience and financial strain for me.

As a conscientious borrower, I believe it is my right to receive transparent and timely communication from my loan servicer regarding any changes or updates to my account. However, the lack of response to my validation of debt request, coupled with the arbitrary changes to my loan terms, has left me feeling frustrated and unsupported.

Under the FDCPA, if a consumer requests validation of a debt within 30 days of being initially contacted by a debt collector, the debt collector must cease collection activities until they have provided verification of the debt. Additionally, if the debt collector fails to provide validation of the debt, they are prohibited from continuing collection efforts, and they must cease reporting the debt to credit reporting agencies. This requirement is outlined in section 809 of the FDCPA.

I kindly request your intervention in this matter to ensure that XXXX provides a prompt and satisfactory response to my validation of debt request, as well as a clear explanation for the sudden changes to my interest rate and forbearance date. Additionally, I would appreciate your assistance in ensuring that XXXX adheres to fair and transparent lending practices in their dealings with borrowers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I received a preapproved offer from capital one. When i applied i was declined due to recent or pending application yet they pulled my credit repirt. If i was denied for a pending or recent application there was no reason to ding my credit by pulling the credit report.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX XXXX. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with XXXX XXXX. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like XXXX XXXX to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.
Consumer complaint received 2024-01-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, XXXX, the seller stopped a transaction because PayPal withheld 24 % from the seller ( I was the buyer ). PayPal 's XXXX  decided that I made a questionable transaction. So, to cancel my account or use my account, they want me to send them my picture and my bank statement- which is not going to happen. As a result, my account numbers are permanently in PayPal that I can not change or close. This is totally ridiculous.
Consumer complaint received 2024-01-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC. (FL)

Nelnet and XXXX  both have duplicated loans repeated on both of their company and the servicing lender. I have advised to correct, and they refuse to. I Filled a XXXX XXXX bankruptcy and have provided them with records and still ignore. I have also Disputed with Studentaid.gov and under review. Continue to have economic Hardship and loans placed in deferment. Constant interest charges that exceed the original loan amount.
Consumer complaint received 2024-01-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TFS FINANCIAL CORPORATION (OH)

A check for {$51000.00} was written by a third party directly to Third Federal Savings in XXXX Ohio for payment to my equity line. I was expecting a check but I did not write, see nor did I endorse the check. Third Federal received the check on XX/XX/XXXX and was made fully available for use on XX/XX/XXXX when I made a wire for {$35000.00}. It later came to my attention that the availability of the check conflicts with bank policy of {$500.00} available on the day of deposit. {$5000.00} available on the second business day following the deposit and the remaining amount available on the XXXX business day. On the XXXX business day XXXX XXXX put a hold notice on the check until XX/XX/XXXX and mailed the letter to me which I received days later. I went to the XXXX XXXX branch to attempt to recall the wire I sent but the teller did not know how to recall and sent the request to XXXX XXXX. I was told the recall failed but no confirmation the recall was performed. I continued to make larger than needed payments up until XXXX when the check was returned with a demand of full repayment of the {$51000.00}. In XX/XX/XXXX the bank started foreclosure and I hired XXXX XXXX as my attorney to resolve the problem with the bank. XXXX failed and in XXXX foreclosure granted.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (PA)

On XX/XX/2023, Mr. Cooper notified me that they would no longer service my loan as of XX/XX/2023. Please see attached document. The new servicer of my loan became XXXX XXXX as of XX/XX/2023. I sold the property on XX/XX/2023. I no longer own the property, but both Mr. Cooper and XXXX XXXX have failed to properly update the credit agencies that a mortgage no longer exists on the property. My credit reports are all showing mortgages for a property that I no longer own. I have filed disputes with the credit agencies, but my credit reports are still not being updated.
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

I have used the international transfer company, Wise, to send remittances from the US to the XXXX ( USD to GBP ). Several times these were instant transfers as promised, however recently for this transfer I was told it wouldn't arrive for a couple of business days. 

I actioned the transfer on XX/XX/2024, which was $ XXXX from XXXX XXXX , with a guaranteed GBP arrival including all fees of XXXX. 

However, immediately upon transferring the money, I was then told that the money would not arrive until XX/XX/2024. Despite this, the money left my XXXXXXXX XXXXXXXX very quickly ( not pending, the transaction went through ). I tried calling customer service, and they said my money was on the way to them but they couldn't locate it ( this was very unhelpful ). Also, as the allocated time had passed for the guaranteed rate, they couldn't let me know what rate I would get and how much would arrive, despite me never agreeing to any other rate. This means I don't know where my money is, when it's " arriving '', and how much will arrive. I have since read several other reviews on this company which state that Wise pretend not to have their money and hold onto it for months. I tried putting complaints through to customer service, have spend a long time on the phone with them. They refused to put me on the phone to anyone that could help, and couldn't say anything other than " your money is on its way to us '' or " it's with OUR banking partners ''. I've also tried to reach out via their website but got no responses. 
They still have not confirmed where my money is.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, consumer, am ware Chex System is reporting false and inaccurate information on my consumer report which is causing my credit application to be denied or delayed and causing me emotional distress. I am requesting a copy of my most recent Consumer Report. Please see the attached. XXXX XXXX All Rights Reserved UCC 1-308.
Consumer complaint received 2023-06-22
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. (NV)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XX/XX/XXXX my XXXX financial services amount was increased from XXXX to XXXX and has constantly been increased and decreased repeatedly. I have screenshots to prove it. Explain to me how that is legal?? Cause that effects my credit and gets my disqualified from opportunity which is discrimination. This XXXX needs to stop 3 months of this nonsense is really XXXX me off
Consumer complaint received 2024-01-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a few Vanilla gift cards for the holiday and some have scartch number on the card that I cant use and one has paper covering the card with fraud. 

I have opened cases with the company and sent over all docusmnets they asked for but after few months still no one contacted me for any resolution. I tried calling several times but no answer was given. 

It's been over 2 months and its over {$1000.00}.
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. 

I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.
Consumer complaint received 2024-04-02
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: EQUIFAX, INC. (SC)

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 nephew, 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. Please see attached file for these items I am complaining.