davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XX/XX/XXXX XXXX - XXXXXXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX. 

XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXXXXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXXXXXX {$830.00} XX/XX/XXXXXXXX XXXX {$530.00} XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

In  XXXX    XXXX   my loans were transferred to Fe d Loan Servicing. At t hat time, I was already approved for a revised pay as you earn for  XXXX  through  XXXX . Fed  Loan Servicing did n ot transfer over my paper work and placed me on a traditional repayment schedule. I have called them 5 times to resolve this issue and give them the correct paper work to show them I was already approved for  XXXX . I have also already made a payment for the  XXXX    XXXX   payment cycle, as a revised pay as you earn candidate.     Fed  Loan Servicing is no w telling me in order to remedy the situation my account will go delinquent for 90 days until they can get an override to make sure that my account goes back to revised pay as you earn and have that payment count towards the  XXXX    XXXX   payment.     My account ( and credit most importan tly ) should n ot be penalized for a mistake they made. Additionally, I already made the qualifying payment of  XXXX , therefore I should not be penalized against my PSLF program.     Fed loan has mishandled this situation, is negligent, has caused me severe emotional distress and this is my first, but not my last, recourse of action.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

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 I repeatedly requested XXXX delete this information as it did not originate from me! 
Requests were sent to XXXX, Equifax XXXX XXXX without response.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have held multiple high-interest savings accounts with CapitalOne XXXX XXXX Bank XXXX XXXX ING Direct ) for more than a decade. All were opened as high-interest savings accounts under ING Direct and XXXX to CapitalOne XXXX Savings accounts when CapitalOne acquired ING Direct. As general interest rates went down, the interest rate on these accounts also went down, as expected. But when interest rates went up, instead of raising rates on these high-yield savings accounts, CapitalOne created a new class of accounts ( " CapitalOne XXXX XXXX XXXX '' ) and advertised higher rates ( 4.1 % at this time ), but left the existing XXXX XXXX accounts marooned at low-yield rates ( 0.3 % at this time ). I am writing to complain about this deceptive bait-and-switch. I have held thousands of dollars in savings with CapitalOne with the understanding and expectation that these accounts would continue to be high-yield. When I called customer service, they advised me to open new accounts and transfer funds, which I did. But that does not address the deceptive practices of CapitalOne, which cost me substantial interest over an extended period of time.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with The Fair Reporting Act. This list of accounts below has violated my federal rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make a 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 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I reached out to Capital One In XX/XX/2023 to discuss hardship options. I advised them of my inability to pay. Capital One offered s Hardship APR reduction plan, under the false pretense they they were helping get the card current. I have been making the payments as agreed under the Hardship since XXXX until present. {$69.00} each month as been paid as agreed. This reduction would have kept the account current for 9 months XXXX payments. I noticed Capital Has started reporting this account past due and late for the past 90 days. This isn't what the representative told me when i set up the Hardship Payment Plan. Even Thought I am making the payments as agree they are still reporting me " LATE '' and PAST DUE. My credit has been crushed.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Social Security Number : XXXX This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX Sincerely
Consumer complaint received 2021-04-03
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. (IA)

Fraudulent inquiries outside of XXXX  XXXX from XXXX XXXX XXXX XXXX XXXX  XXXX  from XX/XX/2020 and XXXX XXXX XXXX  in XX/XX/2020. The bureaus have refused to remove these even after several disputes and phone calls with them.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reports on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible.
Consumer complaint received 2024-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

Ally indicated in the CFPB response dated XX/XX/2023, that they had requested the consumer credit reporting agencies to update their records to reflect my account as paid in full. However, to date, my credit reports have not been updated. Ally continues to show a willful failure in reporting my payment history as paid in full, and as a result, I have had to put my personal financial needs on hold due to Ally 's inaccurate derogatory reporting on my credit reports. I have been experiencing this for 10 months and have not received a resolution. To date, my credit report states that " Account paid in full for less than full balance '', which continues to reflect a negative rating on my credit report.
Consumer complaint received 2017-09-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (NC)

I inherited my sister 's house, and took up payments on the Mortage from Planet Home Lending. The very first time I contacted them, they tried to refuse my payment and kept saying they were going to foreclose. It was only after I said I 'd report them that they agreed to accept a payment.
Time went by and I made another payment which was rejected by my bank for insufficient funds but I did not know it even happened. Planet Home Lending never contacted me to say the money was rejected. 
I got behind on payments, then in XXXX I got a letter saying I was in a 45 PRE foreclosure. The letter was dated XX/XX/XXXX. 
As I read down on the letter, it said PAST DUE AMOUNT {$2200.00} Representing payments from XX/XX/XXXX to XX/XX/XXXX. I got that letter on XX/XX/XXXX!!! They also added Late Charge of {$8.00} Bad check fee of {$25.00} and something called XXXX XXXX. {$42.00} I raised most of the money and contacted them to try and make a payment, but they refused and said I was in FULL foreclosure, they also denied that they sent the letter to me. I went to a bank and had the letter witnessed and notarized on XX/XX/XXXX Today!!! 3 Assistant managers witnessed the document, and they all said the same thing. How can you be owing a late payment on XXXX and XXXX when the letter was only sent out in XXXX?. 
I called them again and again only to be told that the house was in foreclosure, but I was required to pay them the money I had on hand. 
I retained the original with the XXXX XXXX from the bank ( XXXX ) seal on it.
Consumer complaint received 2023-06-21
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. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The banks are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (AR)

I completed my XXXX XXXX on XX/XX/2023 and it was processed and sent to Nelnet for review on XX/XX/2023. I have called several times and they still say that it is still being reviewed. They can never give me a timeframe and while they delay my interests continue to go up. I do not feel I should change money for Nelnet to review my application. They had over XXXX years to fix their problem and they have not done anything. Please help and thank you!
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I am a senior citizen on a fixed income. Fifth Third Bank, acting through its sham conduit XXXX XXXX has opened an unauthorized account in my name and is trying to make me pay for a product and service that I did not authorize. I employed a lawyer to resolve this matter and FifthThirdXXXX refuses to provide any evidence that I ever obligated myself to them. They are intentionally damaging my excellent credit rating by falsely reporting me as delinquent and refuse to desist. Their actions are deliberate, fraudulent and Deceptive. Please open an investigation and contact me if you require further information or details.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2021-05-19
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: EQUIFAX, INC. (CA)

There are two XXXX accounts reporting on Equifax and XXXX that are not mine. I was not liable on either account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In Accordance with the Fair Credit Reporting Act .... 
The US District Court Case # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX  Account # XXXX Has violated my rights.

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

15 U.S.C. 1681 Section 604a Section 2 States : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX  XXXX is in violation of the privacy act of 1974, and furthermore has been notified to cease and desist with any and all forms of communication. Upon reviewing my consumer report they are still reporting the account on my report which is a means of communication. 

They are also in violation of 16 CFR 313.10 Limits on disclosure of non public Personal information to nonaffiliated third parties.

313.8 Revised privacy notices. 

( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and You did not do the following XXXX XXXX did not disclose or provide me with any type of notice.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX*Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXBalance Owed : {$60.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$760.00}
Consumer complaint received 2023-02-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One Bank wants to hold my funds deposited from an insurance check -- not a personal check -- for 5 business days and will not release them since it is a savings account. They won't even review it until after 24 business hours which is already 72 hours in real time.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX  XXXX card never been late also on my car loan shows late never late experian refused too help me.