davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (CT)

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. 

Equifax, XXXX, XXXX, is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : DP OF EDUC : XXXX DP OF EDUC : XXXX DEPTEDXXXX : XXXX XXXX : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastpoint Recovery Group, Inc (CO)

I have been working with this creditor since XX/XX/XXXX to settle this account in full and remove all negative information reported including late payments. This account should show status as closed with XXXX   balance and XXXX  past due amount with no late payments reported. Letter from the company confirming this is dated XX/XX/XXXX and still has yet to be fixed on my credit report
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to MACYS/CBNA. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (MD)

A PAID IN FULL AND DEBT REMOVAL WAS SENT TO THE COMPANY AND THE DEBT WAS TO BE PIF AND REMOVED FROM MY CREDIT REPORT. THEY THEN TOOK THE PAYMENT AND THEN RESOLD THE DEBT WHICH IS INACCURATE. 
Posting Date XXXX XXXXXX/XX/XXXX Amount {$550.00} AND Posting Date 2023 XX/XX/XXXX Amount {$600.00} XXXX XXXX IS TAKING THE DEBT FROM ONE SUBSIDIARY TO ANOTHER ONE AFTER AGREEING TO THE CASHIERS CHECK
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-05-13
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (TX)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. 

As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at The XXXX  Institutes from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of XXXX will be discharged and my credit repaired. 

I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward forbearance? 

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll.

Senator Elizabeth Warren has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Consumer complaint received 2023-12-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens Bank XXXX XXXX XXXX Citizensbank.com Claim number XXXX There Was an Unauthorized Transactions from the savings account for XXXX XXXX XXXX XXXX XXXX an the Checking. One of the dates is XX/XX/2023 for XXXX from the checking. We was informed by several spokesperson at the call center labeled representatives who title by the first name bases of XXXX XXXX XXXX XXXX they all stated that the account would be credited but never was. 

Only to find out later from calling and speaking to XXXX who was rude an unable to locate my account claim for most of the call witch was per 30 minutes before transferring me to a supervisor per request only to find out I was misinformed for days an days by multiple staff an spokesperson/representatives. This offense happened back in XXXX an still being handled with low regards. There should be a serious look taken as to why the delay an why the lies an games. I wan na contact the attorney general. Why the delays? This matter should be expedited Here at XXXX XXXX XXXX XXXX XXXX were in total lost at this point an time cant be replaced this is suffering us a great deal. Please be advised, this bank is in violation. We need urgent assistance
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

I am a victim of fraudulent information reporting and I am refiling this complaint to CITI CARDS CITIBANK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a savings/checking account with TRUIST. The Bank charges a XXXX XXXX  monthly maintenance fee when the savings account balance is below a certain balance. ( {$5000.00} ) I contacted Customer Service and notified them that they had been debiting the account improperly when the balance was high. I, the consumer had to provide them with the dates of the debits and the balances. Although I identified more than a dozen instances of improper charges the claimed to have an internal limit on what they could refund for these improper debits. They admitted the error, refunded just {$75.00} ( 5 months ) and claimed no liability for more charges dating back to at least XX/XX/XX/XX/2022and beyond. 
On a second call to their service line they admitted the error and said, sorry, {$75.00} is all we can do. 
One can only imagine how many consumers are unaware of this improper fee collection.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year> I made a reservation for XXXX XXXX paid for in points through their website. 

On XX/XX/year> I arrived said XXXX XXXX and used Amex Card as a placeholder. 

After checking out on XX/XX/XXXX, XXXX Amex card was charged {$200.00} by XXXX XXXX. 

Confused, so I called the front desk of the hotel and they directed me to their corporate office and his email. 

On the same day, I filed a dispute for unrecognized charges. Got denied. So I called Amex and they reopened the case, and this time I uploaded all the evidence of prepaid receipts. And the hotel check-out receipt showed no extra fees charged. 

8 weeks passed by, the corporate office from XXXX never replied the dispute case, and Amex refunded the initial charge. The dispute case was closed. 

I checked on XX/XX/year> Amex credit card statement, and recognized there is a dispute credit reversal from XXXX. So I called Amex again. And they explained to me that XXXX sent all the evidence in XXXX and they have explained the decision to charge back through snail mail, which I never received. 

I am out of wit as this is an unauthorized charge by XXXX and I showed the bank the service was prepaid with hotel points the prior month. And the Amex representative pushed me away and suggested reaching out for a point refund from XXXX instead. 

I then called XXXX 's customer service line, and they found my reservation record, but it is not under the credit card that is on hold, and there was no record of the charge from Amex. The representative from XXXX gave me a case number, however, there is no further communication such e-mail confirmation, email follow-up, or phone call. And XXXX is unresponsive as if I am talking to a wall. 

Until today I still have no idea why Amex allowed this transaction despite ample proof this is a fraudulent charge. And I have no idea why my Amex card is being charged in the first place.
Consumer complaint received 2024-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

I was locked out of my chime account for over 3 months, chime customer service representative failed to help me back into my account several months went by I finally got a hold of some help when I logged back in I seen numerous of unauthorized transactions XXXX filed a dispute for all items explained why I was filing the dispute for them to turn around and deny my dispute without and explanation or final dispute report.
Consumer complaint received 2023-12-19
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-25
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (TX)

XX/XX/year> Mariner Finance XXXX XXXX XXXX XXXX XXXX Maryland XXXX Subject : XXXX Mariner Finance, I am writing to dispute a collection/charge off on my credit report, which is inaccurately reflecting a debt that has been reported as income. This charge off, reporting on my XXXX, XXXX and XXXX Credit Report by your company Mainer Finance evidenced by the attached page from my report is incorrect and violates consumer protection laws per 15 USC 1681. Where you are bound to report accurate information. 

The Internal Revenue Service ( IRS ) ; Publication 4681, considers a charge off as a " certificate of indebtedness, '' or reportable income. Income can not be reported on a consumer credit file partly or fully when such has been considered income. According to IRS guidelines, canceled or forgiven debts are considered as taxable income, and for which a Form 1099-C must be issued. Since your Company failed to issue Form 1099-C, one has been generated, issued, and accepted by the IRS which cancels the debt with the creditor. 

In my case, a Form 1099-C was filed and accepted for the debt in question, indicating that the debt has been forgiven and is considered income. Since the debt has been legally forgiven and recognized as income, the charge-off on my credit report is inaccurate and should be removed immediately.

I am requesting that Mariner Finance within the next 15 calendar days from the date of this letter rectify this inaccurate collection/charge and immediately delete it from your database. You are also to immediately delete the charge-off from my credit report as required by the Fair Credit Reporting Act ( FCRA ). Please be aware that at the expiration of the 15 calendar days, should I not receive your confirmation that this issue has been rectified, I will be forced to file complaints with the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Consumer complaint received 2024-05-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MI)

XXXX Bluebird AMEX debit card was used to pay XXXX XXXX. On my online account it showed it was pending for about XXXX week. A week after that it shows XXXX ( XXXX XXXX ) than a week later it did not show I had that XXXX transaction XXXX XXXX XXXX I call to complain, A case XXXX XXXX XXXX is given & am told They will call me in 7 days. I did not get a call. XXXX Today I called XXXX different times. Once I was transferred & put on hold 40 minutes & disconnected by them. The other two times I am told no record of that exists. It is the second time this has happened & I plan to quit them after this is resolved. I learned U must take screenshots of transactions right away as proof becuz they will deny it existed.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Hello my name is XXXX XXXX and I'm unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification of information below. If in fact you believe that I've received proper notification, please provide certified mail with a receipt with my signature on it stating that I have received it.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I recently sold my house. The check from the title company was made out to myself and my husband, XXXX XXXX. We went to a chase branch on XXXX XXXX XXXX XXXX NJ and XX/XX/year> to deposit into my savings. We signed the check amounting to {$180000.00} and shared our IDs to confirm identification. On XX/XX/XXXX Chase sent a text and email to call them, when I called they said that my account was on hold and could not be used, and it was due to them not being able to verify my husbands identity. At first they said they tried calling XXXX XXXX his name is XXXX XXXX There are thousands of XXXX XXXX in this state- how do they identify the correct one? I provided his correct phone number, and they said it was not in the ( unnamed ) system them use, and that they could not verify him. When I ask how to get his number in their system, they do not answer and hang up on me. When I go to the branch, they direct me to call the same number. When I call the number, they tell me they can not verify my husband and can not tell me how. This is a large sum of money, I am XXXX XXXX XXXX we shared ID in person, and Chase cashed the check, so I can not get a new one in just my name to deposit without needing my husband. They are stealing my money and going against the terms of my Savings Account with them.