davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
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. (MA)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-13
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: TD BANK US HOLDING COMPANY (NY)

XX/XX/2021 I received a call regarding unusual charges made to my credit card. I responded they were not mine. On XX/XX/XXXX I received a letter they were holding me responsible for the charges. Calling me a liar. I filed a police report for identity theft on XX/XX/XXXX after sitting in the bank for hours trying to resolve this. The officer who has the case has at least 2 films of a man with a face mask and hat using a card that had been made from skimming my card since I always had my card in my possession. Went back to the bank and sat for hours more with no outcome. Last I heard from speaking to customer services was that they havent determined if they are going to reopen this. They want me to pay minimum which I did once but will not do so again probably ruining my credit. I just want the bank to refund my {$35.00} and be done with it
Consumer complaint received 2022-05-25
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and Experian, have 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 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. 

Additionally, I have given Experian numerous chances to fix this issue by filling a dispute. I filled a dispute on XX/XX/XXXX that were drastically different than the results that were listed on the XX/XX/XXXX dispute resolution that was deleted and or removed from my access by Experian. The results can be seen in the three images from Experian for XXXX XXXX  XXXX BANK. Experian has allowed XXXX XXXX XXXXXXXX BANK to report drastically different information based off of three change stories, to the one that I have told and showed them. 

Experian is utilizing a fictious balance from a closed and settled XXXX XXXX account to report a XXXX % revolving credit balance. They are using this information to justify a lowering of my score as part of their fico algorithm although they know ( because it is part of my credit report on their platform ) that my balance is at XXXX %. 

For their consideration I have included the changing dispute results for Indigo as well as a resolution from XXXX XXXX XXXX BANK that they both supplied additional information for and agreed to. Additionally, I have shared a picture of my XXXX XXXX resolution letter.
Consumer complaint received 2022-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A Complaint against Capital One Credit Card. Back in XXXX I was approved for a secured Platinum credit card. Sent my {$200.00} deposit via my debit card. After a bad divorce, was trying to repair my credit. I have been in XXXX XXXX for the last XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXl XXXX. The card should have reached me in XXXX. The first rep confirmed to me that the card was sent and sent to the above address. I never got it - whether lost in the mail or misplaced at the facility. While the card is not that important, the principle behind taking my money and not getting the card is important. It was on my list to follow-up so finally after moving to XXXX just XXXX the XXXX from XXXX XXXX XXXX I called and much to my amazement I got treated like I was a scam artist. I got transferred to other reps in their fraud department and finally told them I just wanted my security deposit back. Then, they told me I wouldn't get me money back for two billing cycles and that they would send me a check not to the new address I gave them at XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX. I told them to send it to the new address and the rep said " no. '' At this point, I was fed up. I just want my {$200.00} back, which I paid through my debit card. I asked to have the money returned to my card- they said no. My resolution - return my money to my card or send the check to my new address- otherwise knowing the XXXX  XXXX XXXX - I will never get it. I didn't get the card so why is a check going to be any different. I also told them I would sue for unfair trade practice.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
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: Block, Inc. (GA)

Cash app took hundreds of dollars out of my account leaving it in the negative. They proceeded to close my account. When I asked why, they gave me a link to terms and conditions and no explanation to what may have been violated.
Consumer complaint received 2022-05-24
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc. (AK)

on XX/XX/2022 my account was charged with out my consent for {$45.00}, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX several attempts were made via XXXX XXXX and was unable to even report the the bad charge. On XX/XX/XXXX I received a reference number for this charge, XXXX then these charges without consent showed up : XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$7.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} On XX/XX/2022 I was issued another reference number in efforts to resolve these bad charges, XXXX. 
This reference number included the following two charges without consent that were still pending and not posted : XX/XX/2022 XXXX  XXXX XXXX # {$45.00} XX/XX/2022 XXXX {$35.00} On XX/XX/2022 I spent more than an hour on hold and in direct contact with the company involved, then the call was cut. I need this resolved - money was stolen from my account. I found this site to issue a complaint, and did so.
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (MO)

I contacted in United Revenue Corp in XXXX and XXXX of XXXX via a registered letter requesting verification of the debt they have reported on my credit bureaus from XXXX. My request included a full statement of charges and a copy of the HIPPA release letter with my signature. United revenue Corp. refused to provide me with my HIPPA release letter and a full breakdown of charges. They sent me a letter that was photocopy letter showing the charges twice. The billing issue s inaccurate and they refuse to verify it is my debt. Attempting to collect on a double billing. I contacted all three credit bureaus to have an investigation and have it removed for an accurate billing and incorrect information.
Consumer complaint received 2022-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (VA)

This is about Mohella ( XXXX ) and XXXX XXXX  closings I have had loans from XXXX XXXX XXXX and XXXX XXXX  over the past 7 years. 

XXXX is now closed and lost accreditation a year ago. 

XXXX XXXX XXXX lost accreditations I have about XXXX im loans and can not benefit from education, years time and money spent. I was defrauded by the school. Unaware of it state and any closings which happens abruptly. 

I should not be responsible for any loans and its should be cancelled immediately.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. ()

On XXXX, XXXX I sent a wire transfer to a business XXXX XXXX to pay for my stay in XXXX, during my vacation. 2 days later, Citibank sent a message to me saying that it was blocked ( later cancelled ) because they couldn't connect with me to verify my account. 
So, on XX/XX/XXXX I called Citibank and they asked questions to proceed with the release of my wire transfer which simply doesn't happen at all. 
I spent 5 hours over the phone last week with 4 different Citi agents and no one could complete their verification process saying that I don't have a US phone number which is transparent since I opened my account : I live in Brazil and all my personal phones are brazilian ones. 

Today ( XX/XX/13 ) I spent over XXXX hour on the phone until the call was finished without any final response. I also sent 3 messages to the " Personal banker '' contact I got when I opened my account and no replies so far. 

I also offered to re-send all documentation the bank needs to release my debit card and account and the only message I got was that : we can't do it, we should verify your account through a US phone number. 

Could you please help me to find a person who is really interested in helping me here? The experience with all agents are terrible and each call takes up to 50 min... 

Thanks in advance, XXXX XXXX
Consumer complaint received 2022-05-24
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX/VETERANS XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$220.00} Status Account charged off. {$220.00} written off. {$220.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-04-14
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MI)

On Saturday XX/XX/XXXX I stopped at a XXXX XXXX XXXX  ATM located at the XXXX XXXX. I attempted to withdraw XXXX dollars the machine displayed an error occurred after I accepted atm fee and displayed unable to complete transaction. It gave my atm card back but no funds were dispersed, cash app took the money out of account immediately. I reached out to the atm number listed for errors XXXX and reported atm ID XXXX. The representative stated that the funds would be sent back to cash app. I filed a dispute with cash app and they have yet to resolved the situation causing me economic hardship. I reached out to the XXXX XXXX XXXX number again on XXXX and the atm claims representative XXXX stated that the funds were sent back to merchant Cash app as there was a network error with said ATM. Cash app is giving me the run around and not returning my funds.
Consumer complaint received 2021-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (CA)

Guys I am very upset. I honestly want to file a complaint against you the C.F.P.B. but I don't know how to do that. Should I complaint with the attorney general? Write a letter to the president? 

I filed two complaints hoping you would help me because I spent months trying to get Wells Fargo to remove an account they say is from 2014  but it's much older! when I ask for their proof they keep saying they will send it but they don't. Even when I go in person to the branch, or call them, or write them. Now you are doing it too!!! 

I keep getting your responses saying I didn't write this complaint or that you need more information from me but don't tell me how to give it to you. HOW AM I SUPPOSED TO GET IT TO YOU!!! And what more information do you need? Wells Fargo isn't giving me documents after numerous requests. That should be all the info you need. I also told you in my previous complaints that the loan was for something I acquired with my ex-wife. I got with my new wife in the summer of 2014 so I couldn't have obtained this loan in 2014 and I wouldn't have continued paying for it once I got with my new wife. Is this a conspiracy against me? Does Wells Fargo have you in their pocket book? DO I have to contact other companies against you? DO THE INVESTIGATION! 

By the way, I got someone to do a spell check and grammar check since you don't think this was me filing the complaint. I'm sorry if my poor grammar was beneath you. Maybe now you will accept this complaint and actually do something about it.
Consumer complaint received 2022-05-16
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: Experian Information Solutions Inc. (TX)

I disputed the information accuracy with the credit bureaus in regards to the accounts that are being furnished from XXXX XXXXXXXX XXXX. I received notice from XXXX XXXX XXXX and Experian, XXXX, and XXXX that the information was indeed accurate. 

I recently received a notice electronically that shows the information is still inaccurate and I'm now challenging the validity of the debt in question, since I have never lived in the state of XXXX XXXX The notice is addressed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  My personal information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-05-24
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. (TN)

To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 


These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-10-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

I applied for the HAF program referred by my loan service provider while under forbearance during XXXX and waiting for a decision on my repayment plan. The XXXX program sent me a response stating they sent several messages to the loan service provider and havent received a response and then I received an email that the HAF program stated my applications was deny due to I wasnt in default and then I received a call from my loan service provider stated I was approved for the repayment plan and then also responded to the XXXX  program and this being my first experience really dont understand the process aggreed the the repayment plan thinking I was deny and was afraid I would lose my first home and to think my Loan service provider had my interest in mind and find out later on a repayment plan had tripled what I originally had
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (FL)

I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-10-13
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. (FL)

DPT/EDXXXX XXXXXXXX XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX  XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXX XXXX XXXX XXXX  or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX {$3800.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, XXXX deleted the account. I have attached a pdf file with the XXXX credit report of the disputes, which proves the deletion of an account from the same company.
Consumer complaint received 2022-10-13
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. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 168i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of account below : Account name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.