davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Southwest Credit Systems, L.P. (VA)

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepancies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences.However, to my dismay, these disputes have not been duly noted as required by law.Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights. 


XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-05-28
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)

XXXX XXXX XXXX continues to violate my rights under the Fair Credit Reporting Act. On XX/XX/2023 the were mailed a copy of my FTC Identity Theft Report, a final official copy of my XXXX XXXX Police Identity Theft Report, a copy of my XXXX XXXX XXXX proving my legal address at XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX, a photocopy of my Social Security Card proving my identity and social security number, a photocopy of my California Drivers License / Real ID ( front and back ) proving my identity and my legal address, a copy Fair Credit Reporting Act Section 605B detailing their legal obligations. The fraudulent member / account number is XXXX. The amount owed/ charged off on this fraudulent account is {$500.00}. They say their " investigation '' determines the " I did open the account ''. They go on to provide a fake income verification letter, fake pay stubs, and several documents the copy and pasted foraged digital signatures as " proof '' that the account is mine. They are violating the law by not accepting sworn statements to the FTC and XXXX XXXX Police which by the very nature prove I am a victim of Identity Theft and that the accounts they have in my name are the result of this identity theft.
Consumer complaint received 2022-11-18
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. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$800.00}
Consumer complaint received 2023-05-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Bright Capital Inc (TN)

I signed up for Bright XXXX in XXXX or XXXX of XXXX. The service did not do what it claimed to do, so I decided to close my account. On XX/XX/XXXX, I requested a withdrawal of {$520.00} from my Stash ( the entire available balance ) and downgraded my account to the free version. On XX/XX/XXXX, I received an email asking me to send them identification to prove I was who I said I was. I'm aware of the Know Your Customer laws and requirements. However, this requirement for withdrawal was never stated in the sign up process. Furthermore, the money would effectively just be going back into the account from which it came and to which they already had established a connection via XXXX. This should not be an issue. 
Be that as it may, I'm happy to provide my identification if that is what I must do to close my account. The issue arises in that they have not provided me with a secure way to submit that identification. Presumably, I was expected to attach a picture of my personal identification to the email they sent! This is unacceptable. I responded immediately to the email stating that I would be happy to provide my information via a secure channel, but I would not be sending if through email. That was on XX/XX/XXXX that I sent that email. Since that time, I have not received any response from the company, despite the fact that I have reached out to them via chat, email, and phone multiple times. 
On signing into my account, I still see my Stash with {$520.00} in it. I'm not sure how it gained another dollar in this time. I just want my money transferred back to my account. It has been a week since hearing from the company and I am still without my {$520.00}, a way to get it back, or even a reliable way to contact the company.
Consumer complaint received 2023-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

I am a XXXX XXXX XXXXXXXX XXXX  citizen who is in danger of being foreclosed upon by TD Bank through an illegal high-cost second mortgage which contains an 18 % interest rate provision. I need immediate help to save my home. On XX/XX/XXXX, TD Bank gave me a second mortgage ( HELOC ) which contained a ceiling rate of 18 %. The rate I was given was an introductory rate of 3.25 %. It was not explained to me that my interest rate could rise to 18 % and promissory note did not state the date upon which it would reach 18 %. At the time that I signed it I was under the duress of a family emergency at the time that I signed the papers. On XX/XX/XXXX, I discovered that my payment had more than doubled in size from {$520.00} to {$1200.00} with the interest rate going from 3.25 % to 7.5 %. TD Bank informed me that my payment would be tripling in the months to come. I am a XXXXXXXX XXXX living on a fixed income! My budget can not withstand these illegal increases to 18 %. I need TD Bank to bring my loan back down to 3.25 % in a fixed rate loan. If I lose my house I will become homeless. Please help me.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

Every single time I request an annual credit report from Equifax, They claim to " verify '' my identity by asking me questions on accounts or loans that DO NOT exist. Since I am not able to answer questions on accounts that do not exist, Equifax requires to send them copies of documents giving them additional information on me. Upon supplying them with the " required " documents, a credit report is received which has NO listing of any of the accounts they claim to have existed to " verify '' me. 
I accuse Equifax of fraudulently using this method to collect additional information on consumers, then selling the data. I wish to press charges against them This has happened for multiple years, I have not moved in over 20 years. 

I have tried multiple times to get them to correct this, but they claim there is " a data base error that is common in their system : '' they are unable to correct. 

Another effect of this deception by Equifax is they are intentionally violating the law regarding requesting a personal credit report once a year by consumers. this adds an additional barrier to consumers to get their credit report timely. 
Another effect of this fraudulent activity is a consumer may incorrect feel their credit profile is compromised and are lead to believe their credit file is compromised leading the consumer to purchase unneeded Equifax services. 

A consumer is also blocked from any phone support regarding their credit account unless Equifax fraudulent demands for unneeded documents are met.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

On XX/XX/XXXX, I submitted a TPD application to the department of education ( Nelnet ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the US Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted Nelnet and explained my argument that a discharged loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of Nelnet and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a Discharged loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, XXXX
Consumer complaint received 2022-11-16
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-11
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. (FL)

XXXX : Account # XXXX SS # XXXX To Whom It May Concern : " On XX/XX/XXXX Complaint number XXXX, I requested your company is reporting the below-referenced account on my credit report as a collection account. 
XXXX  XXXX I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. '' Today I received your response which included credit card statements ; rather than an application or alleged contract bearing my signature, as well as any proof of your authority in this matter. 

Since you were unable to provide the requested documentation there remains no option other than to remove this erroneous reports of this past debt as mine.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-25
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. (LA)

I have a bankruptcy chapter XXXX that was discharged on my credit report. I received my letter from the bankruptcy court that specifically says, they do not report bankruptcies. I sent that letter to all 3 credit bureaus as well as to XXXX XXXX to have the Bankruptcy removed. It has been over 30 days and I have not heard back from XXXX XXXX. The credit bureaus responded back stating they verified with XXXX XXXX. If the bankruptcy court does not verify bankruptcies, how is it that a third party company reports this as a valid debt?
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX of 2023 I made a purchase on XXXX using my Capital One card through a third party - XXXX in the amount of {$270.00}. In XXXX if 2023 I returned multiple items from that order to the store. The return amount totaled {$110.00}. On XX/XX/XXXX I received a partial refund of {$31.00}, then another partial refund on XX/XX/XXXX of {$41.00}. I contacted XXXX customer service through chat and phone calls numerous times During the months of XXXX and XXXX to inquire about the remaining refund amount of {$42.00}. I was repeatedly told that it was processing and the time frame varied from agent to agent. Some agents told me 5 days, others 10, and yet others 30. I tried to file a dispute through XXXX but they refused to investigate. I filed a dispute through capital one. Capital one temporarily credited back the full amount of the purchase while they investigated. On XX/XX/XXXX capitaone stated they resolved the dispute and found that upon their investigation the charges were correct and charged my account the full {$270.00}, taking the partial refund issued to me by XXXX. On XX/XX/XXXX I sent a letter to capital one with documentation showing the refund owed to which they replied the next day that I did not provide documentation. Capital one did not investigate the dispute and took the original refund issued to me.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

Department of Education states that my loan was transferred to ( Nelnet ) and that any delinquencies would be deleted off of my credit report. I have a letter from XX/XX/XXXX showing these corrections will be made and now we are in XXXX of XXXX and they are still showing on my account. Can you please help in getting these removed from my credit. Thanks
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY (DC)

XX/XX/2023 : I attempted a purchase on XXXX using the XXXX XXXX XXXX XXXX XXXX offering to complete the transaction over four payments. The payment resulted in an Error message. Given that the item, which in this case is a Verified Resale ticket, reappeared on the stadium concert map, I believed the purchase was not issued and that I should reattempt my order. I made several more attempts using the XXXX feature on the XXXX site, and received Error messages each time. I ultimately gave-up on the seat, chose another, and used a credit card to pay up-front in full, i.e., not using XXXX to secure the purchase. This attempt allowed me to purchase a ticket and I received one confirmation email. 

I then noticed several pending transactions on my credit statement from XXXX. I immediately reached out to customer support given I used credit for my successful transaction. The XXXX representative reassured me the pending credits would disappear after the merchant ( XXXX ) refunded or canceled the charge. This initial charge amounted to {$190.00}, roughly a quarter of the total {$790.00} XXXX purchase. 

XX/XX/2023 : After waiting for the pending charges to clear, my credit statement revealed the XXXX payment had not been removed and additional charges would soon be on the way. After calling XXXX again, I was told the issue must be taken up with the merchant, XXXX. 

After waiting over 3 hours for a XXXX representative to reply to my complaint via Web Chat, I was told that the purchase had indeed gone through and I was the holder now of two tickets ( didnt matter they werent remotely close to one another ). I was told that XXXX was in fact not the primary seller, and that their Verified Reseller program is simply a marketplace. I was referred to a lengthy and convoluted policy of nearly XXXX words at XXXX  : XXXX? language=en_US. A representative suggested I might receive additional outreach from Customer Support within 3 5 days while they examine the case and consider a refunding option. However, it is extremely unclear the mode of contact and whether I will be contacted at all. I am urging the CFPB to investigate this and similar matters with ticketing platforms that cloak as a marketplace in order to skirt accountability.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Have you ever tried to reach a LIVE human at Trans Union? Have you tried thier 3 reporting agencies- reporting product? I HAVE- AND THEY RIPPED MY MONEY OFF. Try asking for your money back ; because I have- on 4 occasions, now, as I am typing, this is the 5th attempt to reach a LIVE Human -to at least, GET MY MONEY BACK THAT I WASTED MY TIME on- trying to get them to add my clean credit report as, this is what IS a verified and actual recent and TRUE report. I have had open disputes that have been resolved in my favor, but to this day, even with trying to pay TU to look at the other repirting agencies findings, they have not CHANGED the report, they have not looked into my resolutions and outcomes from my past disputes. Not only this, dont assume that your reports are ALL clean, I have tried to apply for credit, thinking that the money I paid was for them to look at the other agency reports, but NOOOO! What they DID DO is ADD a freaking INQUIRY! LAME! I am still waiting to ask for my money BACK and have them take the inqury off and add the NEW reports!
Consumer complaint received 2020-05-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION (CA)

I initiated a money transfer of {$850.00} USD or {$20000.00} MXM to my mother in XXXX in XX/XX/2020 at XXXX XXXX. I received a message in XX/XX/2020 at XXXX XXXX  with " Transaction Completed '' confirmation. Meanwhile, I started another transfer of {$200.00} USD to my mother also. I realized that this additional {$200.00} were going to be ready to pick up until next day because that's the time the company takes to have the money available. 

On XX/XX/XXXX, my mother went to the bank to pick up the initial transfer of {$850.00} USD or {$20000.00} MXM and there was when the problem began. Instead of her having or receiving the {$20000.00}. She only received {$4600.00} MXN which was the 2nd transfer I made in the evening of the previous day and that that money supposed to be ready until the evening but the {$20000.00} that I send initially were not sent to the bank. 

This company pulled both amounts from my bank account but they didn't send the 1st transfer of {$850.00}. 

Now they are saying that there is a slight delay because they're verifying the recipient 's information ; but my recipient 's information is the same I have been sending money and the same they use to send the 2nd transfer of {$200.00} USD. 

I called the company but they are not answering. I contacted them by email but they are not even trying to fix the problem. I also tried to cancel the transaction but they don't allow me to do it. 

Please help me resolve this issue with this company. 

Thank you so much for your help and understanding.