davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

Hello, I am not completely sure if this is all Private or Federal or Federal and Private. 
I first took it out with XXXX XXXX in 1975 for only XXXX ..I made many repayments. It ballooned with interest. You ... the Federal Government, througth the Biden administration gave pauses on repayments and still have till XXXX of this year. That I thought was to be interest free pauses. Today, I received a letter from my lender AES reading that interest has been accumulating and that I owe them that as well. The loan is now inflated to XXXX. 
Can they do this? What are or were my rights with the Feds? I need some objective guidance at this moment. 

Thank You. 

XXXX
Consumer complaint received 2023-06-26
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: WELLS FARGO & COMPANY (NY)

Recently received a notification on XX/XX/2023 that I have a new Hard Inquiry on my credit report originating from " WF CRD SVC. '' I immediately reached out to XXXX to create a notification next time my credit is run and also reached out to Wells Fargo to let them know that this was done without my knowledge.
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

XX/XX/XXXX i attempted to deposit my daughters tax check into my Hutington bank account and they put a hold on said check my daughter signed the check over to me for rent and to help her out while she is in XXXX XXXX. i didnt think much of it and deposited other checks without a problem and gave my daughter some money from said other checks a woman that i know was moving and needed allot of help with a storage unit and packing and delivering her things we agreed on XXXX dollars and she gave me a cashiers check which I done research and found its almost guaranteed money so i excepted it and put it in my account as well on XX/XX/XXXX and to this day Hutington has a hold on both these checks they want me to get my friend that no longer lives around here and drive 6 hours to there bank and it can not be done i not only lost contact with her and my daughter is also still in XXXX.. i can see they excepted my checks in my account and even gave me interest that has occurred from my checks please help me get this resolved either have them release the checks so i can cash them elsewhere or give me my money i work hard for my money and just want to spend it thank you for any advice
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-06-08
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. (MI)

On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX. The complaint was regading a creditor that reported inacurate and unverifiable information regrading my private student loans that resulted from engagement in unlawful, unfair, and abusive practices. I provided documentation, which clearly identified the firm, and matches the account/tradeline ( s ) for which my complaint was directed. Rather than remove the account ( s ) /tradeline ( s ) for the private student loans, TransUnion removed the account ( s ) /tradeline ( s ) for my federal student loans. How it is possible for that to happen is beyond me as the two ( 2 ) sets of student loans are serviced by entirely different entities. As a result, my credit score decreased, which subjects me to further hardship and difficulty in finding housing. So, now I am stuck with the worst outcome in having the unlawfully reported derogatory information for my private student loans in my credit file with TransUnion while, while the factually accurate data for for my federal student loans, which has reported accurately has been removed for the past seven ( 7 ) years. This has been extrodinarily difficult already because the firm supplying the unlawful and unverifiable information is largely responsible for the serious decrease in credit score to begin with.
Consumer complaint received 2023-05-22
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. (AR)

This is my six request 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 information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove immediately : 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 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

Commenity Bank sent me a letter on XX/XX/23 stating that they had reversed an interest charge for my account of {$130.00}. On my statement that closed on XXXX the charge had not been reversed. In addition i filed a complaint about XXXX XXXX making two charges of XXXX that I did not authorize. Only 1 of the 2 charges was reversed on my statement. When I called the person taking my call did not say he would reverse the charges he said he would put in a request to reverse the charges. Also there was a returned check fee of {$28.00} that has not been reversed. I sent an online payment on XX/XX/XXXX and when I received my credit card statement on XXXX I was shocked that the payment was not posted. I called Comenity at about that time and they claimed that they had not received the payment and told me to check with my bank. My bank suggested that I stop payment on the online check. I agreed to stop payment and then I mailed Comenity a replacement check. 

I called Comenity customer service and told them that I had stopped payment on the check and reissued and not to cash the first check but I was still charged a return check fee of {$28.00}. 

I need my account credited {$130.00} for interest plus {$28.00} for a returned check fee plus {$130.00} for the unauthorized XXXX XXXX charge.That is {$290.00} plus the {$10.00} of interest that was charged on the last statement because my account had not been properly credited to begin with. Please credit my account {$300.00}
Consumer complaint received 2024-03-28
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. (CT)

I have tried to apply to refinance my existing car loan. I have been declined for credit due to an excessive DTI ratio. I was declined for credit all together or given less favorable and affordable options. The reason for the excessive DTI ratio is due to the error of XXXX XXXX XXXX XXXX. My conventional mortgage was originally issued as a joint mortgage with my spouse. It is currently listed with only myself as the borrower. This removal of my spouse has created a problem for me based upon what is being reported to the credit bureaus. I would like to be able to follow through with being able to receive credit without being discriminated against due to an error in reporting from the existing mortgage lender, XXXX XXXX XXXX XXXX My inability to refinance my car is now causing an issue for me to not be able to get a good rate and lower payment. This has caused a financial hardship for me.
Consumer complaint received 2023-05-22
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. (MT)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX. 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 an 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 2021-01-05
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: TRUIST FINANCIAL CORPORATION (IL)

I paid my car note off successfully and XX/XX/XXXX will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the account?
Consumer complaint received 2023-03-02
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. (CT)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 
XXXX XXXX  XXXX Date opened : XX/XX/2021 Balance : {$19000.00}.
Consumer complaint received 2023-06-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It 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 any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I am requesting methods of verification for this account in writing. If they can not produce these documents please DELETE and REMOVE this account from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-08
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. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative accounts from my consumer report, which have been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to all three credit reporting agencies, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off to the consumer reporting agencies regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. This has been ongoing for two years and XXXX has willfully provided inaccurate information about my credit history and though I have brought this to your attention this specific account remains on my consumer report. These entries violate provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2023-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: American First Finance, Inc. (NC)

To Whom It May Concern, When I applied for a Personal Loan with American First Finance, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that American First Finance engaged in fraudulent behavior ( unauthorized use of credit card ).
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MS)

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. COMPANY AFFIRM 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXX XXXX ACCOUNT NUMBER XXXX IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (FL)

To whom it may concern, I made an uninformed decision on XX/XX/2021 when I entered into this consumer credit transaction pursuant to 15 USC 1601 ( a ). I did not understand the agreement because it was not clear and conspicuous. The informed use of credit results from an awareness of the cost thereof by consumers, an awareness I do not have.

Pursuant to 15 USC 1601 ( g ) ( 2 ), The term creditor is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of evidence of indebtness or, if there is no such evidence of indebtness, by agreement. Due to the fact that the agreement is not clear and conspicuous, that makes it null and void. The only evidence of a debt was the agreement, but that agreement is null and void because I made an informed decision. I did not understand the agreement because it was not clear and conspicuous. 

Pursuant to 15 USC 1601 ( k ) the consumer must receive adequate notice. Adequate notice means a printed notice to a cardholder which sets forth pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to notice it and understood it's meaning.
Consumer complaint received 2023-04-06
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (MS)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.