davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (PA)

On XX/XX/25 I requested Equifax to conduct a thorough investigation regarding my credit report specially account # XXXX and incorrect information being reporting. See CFPB Complaint # XXXX Exhibit A. In response to this Equifax stated that the account was verified and belongs to me. See Exhibit B attached. If this is in fact true and the proper investigation and validation was completed why are there still inaccuracies reporting to my credit file .See attachments. I have attached the multiple errors still reporting on my credit report. These inaccuracies are not only causing stress and constraint on my mental heal but also a burden on my financial state due to these erroneous reporting.. My consumer rights are being violated under section U.S. code 1681. Credit reporting agencies role is vital in assuring information on my credit file is 100 percent accurate.
Consumer complaint received 2023-06-29
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: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under XXXX XXXX. See the documents attached. XXXX XXXX. Please repair and update ASAP.
Consumer complaint received 2022-07-16
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. (SC)

I am a user of XXXX  XXXX. I reached out to XXXX XXXX  to inform XXXX XXXX that Equifax and XXXX are not updating my account correctly and informed them that for months my account appeared as if a freeze was placed on the account. In the year of XXXX and part of XXXX items fell from my credit report with no additional changes made to the score after the items where removed. In XXXX of XXXX, There was a major difference between the scores being reported from XXXX and Equifax. The companies refuse to update my scores correctly in a timely manner and has stalled in doing so. Companies like XXXX XXXX XXXX XXXX XXXX was able to continue to report items through different collection agencies after the item fell from my report years ago. It has been well over 10 years since I last did service with XXXX XXXX. Based on the time frame, XXXX XXXX  should not have been reported on my records recently or contributed to my score factors including the stalling process. I am not being provided with fair offer from creditors such as XXXX  XXXX or loan companies based on credit reporting agencies such as equifax and XXXX XXXX The only cards i am offered are secured and based on my credit score, I find this as unfair practices. I have medical bills on my record that I am not aware of and a hard inquiry associated with a mortgage loan that should not be there.
Consumer complaint received 2023-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I had student loans for my XXXX XXXX XXXX. I started working in government in XXXX. I finished my XXXX  in XXXX. I was told I had to consolidate my loans for XXXX. I was told it would not affect my Public Loan Forgiveness. It did. It restarted over when I consolidated and I lost roughly 2 years of qualified payments. I called the loan servicer and told them they TOLD me this was what to do and it would not affect anything and they said basically too bad, it's now a new loan so I had to start over. I would be much closer to forgiveness if those payments would have counted like they should have! This is unfair and deceptive.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

From XXXX XX/XX/XXXX to now, there were in total:XXXX earned Bilt points taken out of my Bilt Reward account ; here are the Bilt Credit Card transaction records relating to those missing points that were earned from eligible transactions : XXXX XXXX + XXXX points XXXX XXXX + XXXX points XXXX XXXX points XXXX XXXX + XXXX + XXXX points XXXX XXXX points XXXX XXXX points I reached out to customer service on day of XX/XX/XXXX to request the XXXX points back to my account. However, customer service representative rejected my request on day of XXXX and their reason is that : because I have not met minimum number of transactions requirement, the earned points are taken out of my account because of their program rules. 
However, there is no ground of their rejection has no ground : First, the terms and conditions of how Bilt rewards points can be earned were not adequately explained to the customer when the customer initially signed up for the Bilt Reward credit card. 

Second, on XX/XX/XXXX, there was a email sent from XXXX to me, with the subject : " An update on your Bilt Rewards Points Bank ''. This email clearly states that " were waiving the minimum transaction requirement '' because " We know it can take some time to get used to using Bilt ''. And more importantly, the email doesn't specify a date about which date is " when we transition back to our normal terms ''. And there has been no other communication neither until now about when Bilt reward transitions back to the " normal terms ''. 

Third, in addition to the fact that, the earned points from eligible transactions were taken out of my account due to an illegible reason - the minimum transaction requirement already has been waived by Bilt ( see Second ), Bilt reward also produces erroneous points statements. For example : XX/XX/XXXX XXXX points were earned from an XXXX purchase, but then were removed even though the minimum transaction requirement has been waived by Bilt. 

XX/XX/XXXX another XXXX points were removed from my account because of refund from XXXX produce return In total, I lost XXXX points just because I attempted to shop at XXXX ; there has been no correction or communication on the mistakes of points statement from Bilt reward program
Consumer complaint received 2017-09-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo Bank ... ... ..I had an checking account with Wells Fargo , stop direct deposit and had all my automatic payments stop from their bank. For some reason they continue to charge me overdraft fees, then closed my account ... ... this been about 4 months ago, now on X/X/2017, they closed my savings, due to no activity and a XXXX balance ... .but allowing me to keep my credit card account ... ...
Consumer complaint received 2016-10-05
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: United Check Recovery, LLC (CA)

Was called on my cell phone stating they had paperwork in order too sue on their desk. Also has called my phone 24 hrs later asking for my husband. I spoke to them on the phone stating that i did not know anything about this and I refused to give them anymore information. The person said then we will sue you.They also are claiming to sue my husband. It is my understanding that I am to be notified in mail if there is a pending suit, not by phone.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed these XXXX XXXX XXXX accounts on multiple occasions and they keep coming back as update and or verified ignoring what is actually being disputed, Ive requested these reporting agencies to show proof of how they were verified on multiple occasions and I have never received anything just ignored, which is grounds for suit! I have been disputing multiple violations and I want these immediately deleted off of my credit report! 

1 ) reporting CO every month and re- aging these accounts are unlawful and are a Violation!

2 ) 1099Cs, which is income do not report to the consumer report, those accounts are 1099Cs and according to the IRS CO are considered ordinary income which means all of these accounts are inaccurately furnishing on my credit report, the company has already filed this in their taxes so why is this on my credit report? this is unlawful and in serious violations, according to 15 USC 1681eb it speaks on MAXIMUM ACCURACY in the consumer report, immediately delete
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE (NY)

In accordance with the fair reporting credit act these following creditors jetblue/barclays, XXXX XXXX and XXXX XXXX has violated my rights under 15usc 1681 section 602 states that i have rights to privacy, 15usc 1681 section 604A section 2 also states a consumer reporting agency can't furnish an account without my written instructions.Under 15usc 1666B a creditor may not treat a payment on a credit card account under and open a consumer credit plan as late for any purpose i'm hoping you can look into this matter. thank you
Consumer complaint received 2023-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I took out a XXXX auto loan XX/XX/XXXX and paid it off in full XX/XX/XXXX. After XX/XX/XXXX, I entered an agreement with XXXX that the phone rep agreed to due to Covid. It was a hard time for everyone and XXXX agreed to follow the CARES Act Impacts Credit Reporting which states that they will not report late payments going forward during the COVID emergency on my account. Now I entered this agreement with the account as current. This agreement was to continue through the pandemic which actually just ended. I never let the car go to crazy past due and always paid but they charged me insane fees along with reporting my car late 11 times during this period. Four 30 days late, two 60 days late, and five 90 days late. XXXX broke their COVID Agreement and I believe violated the above mentioned law and now I am paying for it on my credit. Not only is the closed account current status showing " late 30 days '' but it has those 11 late payments on it. I am struggling to get back on track because this is holding down my credit score. Since I believe XXXX violated the COVID rules and promises to me I am requesting that either you remove the late payments and also current the current status or you delete the account from all three credit bureaus. I hope this escalation can handle this situation so there has to be no further action taken because I am not satisfied with how I have been treated
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has been brought to my attention that the following accounts have been in my credit report without my express written permission as required as part of credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC (MD)

On XX/XX/2023 my personal information was used to open a personal loan on the amount of XXXX I already reported the account with the police department and also the bank but the account is still under my name and I am still held responsible to pay for the loan, I am going to my third payment and I need help to get this account close and get my money back.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I opened my Chase Sapphire XXXX credit card ( XXXX ) and paid my Annual Fee of {$95.00} on XX/XX/2022. Chase closed my account without reason shortly after ( less than a year ). I requested my annual fee back and they refused.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation (OH)

IAM NEW IN XXXX XXXX AS A XXXX  FROM XXXX, I TRY TO BUY CAR AND CHECK XXXX XXXX..I FIND OUT XXXX COLLECTIONS ACCOUNT.ONE IS FOR XXXX DOLLAR AND ANOTHER IS FOR XXXX XXXXI DON, T KNOW WHY IT SHOW, S IN MY CREDIT REPORT WHICH I NEVER GET IT OR TRY TO PURCHASE IT.I WORK AT WAREHOUSE FOR XXXX HOURS, COME HOME AND GO BACK TO WORK AGAIN.THAT, S ALL I DO SINCE I ADMITTED IN XXXX XXXX AND HALF YEARS AGO IN XXXX XXXXCOLLECTION SAY XXXX XXXX XXXX XXXX FOR XXXX $ AND SPECTURM FOR XXXX $ .I REALLY NEED HELP ON THIS PLEASE.I DON, T KNOW WHERE TO GO, WHAT TO DO.IF ANYTHING, S NEEDED PLZ CONTACT ME AT XXXX, I HAVE EVERY PROOF PLZ.HELP THIS XXXX.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was charged {$96.00} on my Capital One Quicksilver card on XX/XX/year>. This was for an automatic renewal of a service I had with XXXX. They stated that it was automatically renewed since I didnt cancel it in advance, stating they had sent me a reminder of automatic renewal on XX/XX/year>. I never received this notification. I have reviewed both my inbox, SPAM folder and trash folder and have found no reminder via email. I called them on XX/XX/year> to ask for a refund since I no longer wanted the service. They told me it wasnt their policy to issue refunds. I have asked them twice to actually produce the said email with no response. They just gave me the supposed date of the email. Again, no proof that it was actually sent. I told them I wanted to see the email for the date and time stamp. Again, no response. All I am asking for is my refund of {$96.00}. I have also reported this to my credit card company.
Consumer complaint received 2022-12-24
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. (CT)

Please consider this as a follow-up to my earlier request that I have been a victim of Identity Theft and no one seems to care and acknowledge it. I am including the disputed items on this complaint so that you will be clarified to remove these certain items. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-29
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Navient is contacting estranged members of family that are not on the loan in violation of FCRA, and after I emailed and sent by mail a certified copy of the cease and desist of communication ( Navient rejected it and it was returned to sender ). I spoke with a lawyer and they have confirmed that Navient violated the law when they contacted my extended family. I have already communicated with them, that due to our current economic situation that I am unable to pay due to my wife loosing her job and I will resume payments when she finds work. I have repeatedly requested communication by email and/or mail due to hearing difficulties and difficulties with verbal communication from time to time to which they have ignored. I can provide full documentation as well as evidence that Navient has been contacting family members.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

My Capital one debit card was stolen XX/XX/year>. I filed the dispute XX/XX/year> with capital one. The fraudulent charges in the amounts {$2500.00}. and {$3200.00} was disputed. At the time that I disputed these, I was very sick. I had just got out of the hospital and was on bedrest when all this happened. I informed capital one to the best of my knowledge about the transactions and what had happened with my card. When I started to feel better I called the merchants myself. One of the merchants told me that it was a male that had use my card to check into a hotel. 
Capital one never did an investigation about this and denied my claim. Capital One did not protect me and my funds.
Consumer complaint received 2023-07-21
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. (LA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is my follow up complaint of my credit reports and Im very upset about the result that I have received. These inquiries are unauthorized reporting in XXXX and TRANSUNION XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX