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. (FL)

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX DOB XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

During all of 2023, it has been a war with Mohela to get them to do their jobs. Before the payment pause was lifted, I spent hours on hold and enlisted XXXX XXXX 's office to intervene on my behalf. I have submitted employer forms manually and electronically and it has been more than 60 days and they are still not processing these forms. 

They are also not updating the payment counts -- the last payment count on my account is from XX/XX/2023 -- even though XXXX is half over and XXXX and XXXX both qualify. 

***If they charge the gov't by month, per open loan, they are currently conducting fraud. *** XX/XX/2023 was my final month of payment -- XXXX payments. I submitted an employer certification form on XX/XX/2023. Another form was submitted in XX/XX/2023. It is now XX/XX/2023 and my loans are showing a payment due on XX/XX/2023 even though my loans are in the newest Mohela incompetence payment pause. 

I need my forms processed, my payment counts updated and to obtain my promised PSLF forgiveness.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

According to FCRA 605B, we are required to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-01-09
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 (OH)

On XX/XX/2022, I ordered 200 boxes of XXXX XXXX XXXX XXXX XXXX XXXX from a website XXXXXXXX XXXX and an individual named XXXX promised to have the items delivered within 3 weeks. The amount I paid was {$880.00}. He provided a tracking # and a receipt that it was sent via XXXX XXXX. However, I have been trying to check for shipment updates on the XXXX website and the website is down and not working. I tried to contact him via email and emails are bouncing back. I have NEVER received the ordered items and I have filed a complaint with XXXX and Barclay credit card as I was told to do so. I have been scammed and I have requested my money back. Barclay credit card company customer service kept denying my claim for no reason. The merchant provided some " nonsense '' documents and Barkley customer service hasn't even looked at the documents that the merchant provided. Have they looked at the documents they would see that the documents are fraudulent. There was no tracking number, there is no shipping company with such a name as XXXX XXXX. The website of that company never existed. I have requested a refund from Barclay 's however they keep denying it for no specific reason. I would like to report unacceptable Barclay practices and I would like to have my money back.
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. (MD)

I believe that according to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Consumer complaint received 2024-03-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: United Check Recovery Bureau, Inc. (MT)

XXXX sold the debt to United Check Recovery Bureau Inc. My original debt was incurred in the state of VA . When I was originally contacted about this debt I provided them an updated address which then told them I was no longer in EST but MST time zone. 


On multiple occasions, they have called me at XXXX XXXX  mst. 

Today XX/XX/2024, they called me again at XXXX mst.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

Please remove all inquiries off of XXXX & XXXX. 

It is illegal to report transaction history to consumer report.15 U.S. Code 1681b - Permissible purposes of consumer reports.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Consumer complaint received 2023-12-19
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed the account as irrelevant and once I get their notification, everything seems unchanged. Some I don't recognize on my credit report I reported it as theft of identity, but the record stays on my report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

XXXX, EQUIFAX, and XXXX are all in violation of my consumer rights by unlawfully reporting bankruptcies on my consumer reports. They are in direct violation of 15 USC 1681b. They do not have permissible purpose to report this information and nor have they actually verified or validated if the information that is being furnished is 100 % accurate. Pursuant to 15 USC 1681a ( e ) who did they talk to in order to verify the information? The courts do not report or furnish data to the consumer reporting agencies. I have a statement directly from the United States Bankruptcy Court XXXX XXXX of Mississippi website XXXXuscourts.gov stating that they do furnish or provide information as defined by the FCRA. 

I expect this grievance to be remedied immediately! I have been adversely affected by their unlawful actions, and I expect to be compensated. My ability to carry out my personal, family, and household purposes have been greatly hindered.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I paid my balance of {$2200.00} in full and it was deducted from my bank account on XX/XX/2024. Now XX/XX/2024 my credit card balance is {$230.00}. The account shows that a payment of {$2200.00} was posted on XX/XX/2024. My credit limit is {$2500.00}. But, it shows- {$4.00} available to spend. 

I contacted Synchrony bank by phone and they claimed that I couldn't use the card until XX/XX/2024.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

On XX/XX/, a payment of {$11000.00} was incorrectly applied to my account. Under the terms of the loan agreement, payments made within XXXX of the disbursement are applied entirely to the principal balance and any fees and accumulated interest are refunded accordingly. This payment was within the 120 day period and was to pay the entire remaining balance, but it incorrectly applied a portion of the payment towards interest. 

The representative I spoke to said this would be adjusted on my account and that I would receive a check with a refund of any fees and interest and that once corrected, the balance will show XXXX, so I do not need to take any further action on this loan to pay it off. 

However, when I attempted to follow up via email to confirm this information, I have received XXXX response. The balance on my account kept increasing because interest was accruing. And having no response over and over again from Nelnet, I paid the remaining balance ( which was interest that I should not have been charged for because the payment was made within 120 days ) so that the balance would not continue to increase and risk having to pay that as a result of Nelnet 's incompetence. 

Nelnet has refused to respond. Their call center places you on hold for HOURS, effectively blocking you from getting any kind of meaningful customer service. If they don't respond to ANY emails, and you have to wait hours on hold, how is this issue supposed to be resolved? They owe me hundreds and hundreds of dollars of interest and fees that I should NOT have been charged for and they just ignore me now. They are in breach of contract and are not acting in good faith. 

This company is a scam and the XXXX Department of Education should have some standards in place so scumbag bankers like Nelnet stop taking advantage of students by fraudulently overcharging them. 

I will not let this go.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (ND)

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX I am writing to formally dispute any and all transaction on my account that First progress has reported with XXXX, XXXX and XXXX, whom are all non affiliates with first progress, in the terms and conditions provided by First progress they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates. 
15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope. 

( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 
nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. 


Per the Privacy Act of XXXX, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

Discover Bank is reporting a late on my credit file that needs to be removed. I have had an account with them for a very long time and have been a loyal customer. Recently I logged in to check my credit and noticed Discover put a late notation on my credit?! I have never ever been late with them. The funds were available but never did I receive a statement in the mail or a call that I was past due I found out on my own.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/XXXX my paycheck was direct deposited. Also a XXXX cash advance.I went check my balance online and my accounts was negative and my XXXX deposits were gone. 
I immediately went to the bank and was told my account was froze and I hade no access to my money. I went to branch specialist XXXX XXXX and they would not tell her anything, just account was closed.I was told by someone XXXX contacted, my money would be available XXXX. I told them all banks were closed, the woman on the phone said try and find one open. 
The next day XXXX XXXX, my account showed my money available, upon going to the bank told the same thing my money was froze. 
I had no food XXXX XXXXXXXX XXXX XXXX at home no money, and no access to any money. 
Thankfully the Vice President of the bank was there and got my money released. The employees were very helpful. 
I still have no idea why my account was closed and funds not available. 
Chase bank has allowed my account to be hacked twice and I have fraud protection. The bank calls if I buy a piece of art at an art fair ( because painter is out of state ). But they allowed someone to go into my account and reverse over XXXX dollars and never called or text me. The hackers reversed rent from 3 and 4 months prior, I was living in complex and had been paying rent. Who would reverse payments from months ago and car insurance and car payments. 
I was not protected and now on dark web and cant seem to find out why account was closed. 
My account was hacked a second time after more security on account. I want answers, I was almost evicted, went into XXXX XXXXXXXX, missed work. 

Any help you can give me is appreciated XXXX XXXX XXXX
Consumer complaint received 2023-12-07
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. (AZ)

XXXX XXXX XXXX : verified that it was reporting correctly to my consumer report. Explain the process the company took to verify my account. I dont recognize this account. I demand a copy of my signature and id that was used to open this fraudulent account. If you can not provide evidence as to why you are reporting. DELETE IMMEDIATELY
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. (IL)

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.

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 informationisinaccurate.
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. (NJ)

A company called XXXX XXXX XXXX  is being reported on my credit report that is not mine. I have no knowledge of what this is or why its there please remove
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. (GA)

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.

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 XXXX 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 informationisinaccurate.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

Equifax credit reporting company has gotten worse sense report cfbp lm ready to exspose this cr reporting company my attorneys has the file. .formal complaint Which the companies l have Been disputing since XXXX which is enough time to place formal complaint l have sent XXXX driver license as proof showing informationshowing is not my account belongs to somebody's else name social security number not mine complany down below has on going disputes. Remove those items off my cred report
Consumer complaint received 2023-12-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am troubled to note that my credit report, which previously reflected positive payment history, has suddenly been updated to include inaccurate late payments. I am confident that this information is incorrect and should not be reflected in my credit history. 
XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have maintained a positive payment history, and there have been no instances of late payments during the specified period. I am seeking your assistance in conducting a thorough investigation into this matter and correcting the inaccuracies on my credit report. The inaccurate reporting is not only damaging my credit score but also misrepresents my financial responsibility.