davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
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. (GA)

HI 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.
Consumer complaint received 2020-03-14
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. (NJ)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, 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. (AZ)

I have been trying to get my home refinanced and as part of this I need to get my credit report from all three bureaus. XXXX and XXXX  have no issues sharing my credit report. Equifax said that I locked my credit report and would not unlock it even when I called numerous times to free the report. They then informed me that the credit report was freed, however when it was checked there was no information contained in the report. When I spoke with them about it they told me there was an issue with the address that I was using. I have a physical address and a P.O. Box. They said that I need someone to report my credit using both addresses. I checked with my bank who advised that they reported my loan status to Equifax. They said that they have sent the report with both addresses every time the report is sent. I have spent no less that 5 hours on the phone with Equifax through numerous phone conversations. They have been the cause of numerous credit failures from not being able to rent a car, to not being approved for a credit card. They refuse to help and are costing me money daily due to the fact that I can not improve my finances as a result of their failures!
Consumer complaint received 2020-03-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I filed a complaint previously with this company because they increased my interest rate while I was on XXXX XXXX. They responded to me on XX/XX/XXXX, stating that they were going to reduce my rate down since I am protected by the SCRA. 
I am still on XXXX XXXX and they increased my rate back up to 11.200 %. Also, my balance was {$39000.00} at that time. I have been making my payments and sending in extra, and my balance is {$39000.00}. They are not using the extra money that I send in to pay on my principal balance. 

My principle has barely lowerd since XXXX. SPS is charging higher interest twice. Once for not keeping my protected SCRA rate and again for not using the extra payment amount towards my principle.
Consumer complaint received 2021-03-19
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: CITIBANK, N.A. (WA)

My husband, XXXX XXXX XXXX died on XX/XX/2020. I immediately contacted Citibank , N.A . to report his death and to ask that they close his account. ( Account # XXXX. ) When their credit card was active and being used by XXXX, I was a 'Authorized User. ' When I notified Citibank of XXXX ' death, I also asked to be removed as an authorized user during that call. Citibank immediately closed the account. 

Citibank referred the account to XXXX XXXX XXXX XXXX XXXX assured me they do not participate in credit reporting, and that Citibank froze the account from incurring any interest charges, late charges and credit reporting after the account was closed. 

Today I obtained a current Credit Bureau Report for myself, which reflects XXXX ' account on my report. I called Citibank Probate Department today ( XXXX XXXX ) and requested that this account be removed from my credit report. The person I spoke with named XXXX ( # XXXX ) said there was nothing she could do and gave me the address to another Citibank location to contact. I told her that both XXXX XXXX and Citibank told me that once the account was closed, there was no further Credit Bureau reporting and asked why does the onus fall on me to get this corrected? 

It is up to Citibank to correct this error. It is damaging my credit score. I am overwhelmed with the issues that Citibank has caused with XXXX ' account and the amount of time I have dedicated to resolving ongoing issues. By the way, no other creditor of XXXX did what Citibank has done relative to credit bureau reporting. 

I have enclosed a copy of my XXXX Credit Bureau Report, dated today. Thank you.
Consumer complaint received 2022-12-30
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)

In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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. 

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes. 

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Consumer complaint received 2020-03-27
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. (TN)

On XX/XX/2020 i requested my bankruptcy to be removed from XXXX   XXXX  they responded saying a decision would be made in 30 days it is now XX/XX/2020 60 days has passed with no response back i also disputed with, experian, XXXX XXXX and XXXX  to remove that information also they're response was the information will stay on credit report because Bankruptcy court had verified the information i attached an email i received from the United States Bankruptcy court here in XXXX, Tn that stated they don't verify information to any source i have provided proof for credit reporting bureaus to have this information removed and neither one has done it.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX CARD HOLDER
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (MI)

Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.
Consumer complaint received 2020-03-27
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: Shellpoint Partners, LLC (NC)

I'm currently trying to get a VA loan for my recently deceased Grandfather 's property. NewRez mortgage took over my current mortgage in XX/XX/XXXX. NewRez said, there would be a 60 day grace period to get payments on schedule and no late payments would go against my credit in that 60 day period. When the new company inquired about my payment history with NewRez, they responded I had a 30 day late for XX/XX/XXXX but when i call NewRez they tell me that i have no late payments and nothing late will show on my credit. i asked, NewRez to write me a letter explaining that and send to me by email so i can provide this to the new mortgage company. They are insisting they can't do that and keep sending me a payment history. Basically, they keep telling me i have no history of a 30 day late payment and nothing will go against my credit but attached is a form they supplied to the new mortgage company saying i have a 30 day late.
Consumer complaint received 2022-03-24
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2020-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (NY)

Unsolicited contact about a gym membership i don't have. It has gone on for weeks and i have blocked their number but they still contact me. I have called the number and they ask for membership details to verify my information which i do not have because i never had a membership in the first place.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

THIS IS NOT A DUPLICATE REQUEST- XXXX is refusing to update my past due history stating that the information that they are reporting is correct. The company stated that they received a payment on XX/XX/2019 for XX/XX/2019 and XX/XX/2019 due dates. They are reporting past due history for XX/XX/2019. I would have only been 15 days late for XX/XX/2019 and not 30 days. Please update immediately before there is additional action taken.
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

I was sent a deposit of {$3200.00} on XX/XX/XXXX. PayPal closed my account for no reason and made me wait 180 days to withdraw my available funds. It is now XX/XX/XXXX ( 181 Days ) AFTER the restriction and closing of my account, and now they are telling me I have to wait until XXXX to withdraw my available funds.
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX ) in error, and that this matter is permanently closed.
Consumer complaint received 2023-03-01
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. (CA)

XXXX XXXX account XXXX XXXX This account is a charge off and I settled with a small payment to delete account after payment. The payment was received however it was never deleted/removed from my account. Also the credit bureaus is still reporting delinquency which is more seven years.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

During the course of this loan I have not missed a payment and have paid more than {$1000.00} additional monies to principal plus monthly payments. I requested a deferment on my loan for three months and was denied. They gave me one month, WHICH WAS NOT ENOUGH to help me get ahead.

This was not considered and my only option was payment plan that is quite unfair as it does not help a consumer like me who has not missed payments and paid additional to principal.

Another way to rip off consumer.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The department of education is now showing the account as open and past due. This is not my service provider. I have already provide the proof. They are influencing my FICO scores at two credit bureaus now. One bureau just dropped XXXX points. None of information they are providing is accurate. This has been under investigation for 56 days, why have these inaccurate accounts not been deleted? 
_______________________________________________________________________ 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( 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 ; and88 623 - 15 U.S.C. 1681s-2 ( ii ) the information is, in fact, inaccurate.

______________________________________________________________________ 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Consumer complaint received 2021-03-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (HI)

XX/XX/21 Caller was looking for my mother 's information. 
When I called their number back it requests for bank account number and FULL Social Security Number. 
The recording claims to be Jefferson Capitol llc. 

I believe they are scam callers trying to steal people 's information and money. 

They called from XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I was informed by an unrelated party that on XX/XX/2021 an estranged family member was able to access my loan account, financial information, and allowed to make changes to the communication preferences such as changed the email to here and the phone to hers, and I wasnt XXXX to get into my account. They insisted it was the borrower ( me ) who made these changes on XX/XX/2021. They should never have allowed any of this to occur. My privacy has been totally violated and its irreparable.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

On the XXXX of XX/XX/2024, I discovered several unauthorized transactions when I checked my account balance through my bank 's mobile app. Upon noticing these transactions, I immediately contacted my bank to report that I did not recognize four transactions. These transactions included two charges of {$2000.00} each and another two charges of {$990.00} each.

I initially thought that these transactions might have been repeat charges that would eventually be rectified. However, to my dismay, I recently received a letter from my bank stating that they have investigated these transactions and have deemed them legitimate. Consequently, my bank has debited these transactions from my account, resulting in a negative balance. 

I respectfully request that the Consumer Financial Protection Bureau investigate these transactions further, particularly those that were posted on the XXXX and XXXX of XX/XX/2024. There were two transactions on the XXXX and the same two transactions on the XXXX, which have significantly impacted my account balance. 

I would greatly appreciate it if you could look into this issue and assist me in resolving it as soon as possible. 

Thank you.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. ()

hi to whom it may concern my name is XXXX XXXX id XXXX would like to remove the red flag thats blocking me in applying for other finances that will help me my kids and family some of my existing accounts are heavy for me to pay can you please remove them also XXXX  thanks