davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

XXXX XX/XX/XXXX I tried closing my account and I learned that there is a hold on my account for {$2200.00}. After multiple calls with Chase and visiting their branch, no one could tell me the reason for the hold, except that the hold was placed in XX/XX/XXXX, about 23 years ago. This is insane that Chase has a hold on an account for so long and has not bother to notify me or rectify the issue. So I raised a customer complaint and I was told by Customer complaints that they are not here to help me resolve the issue but to coordinate between departments, something that I have already done. When I ask my case to stay open because the complaint is not resolved, they say that the case will be closed as there is nothing that they can do further. After a month bouncing back and forth between departments at Chase bank, which I thought had a great reputation, I lost confidence in the institution. I believe Chase has experienced a system error, and no one has caught it or resolve it, and this is the reason that I am being bounced back and forth to different departments. This does not give customers confidence in Chase systems. Luckily for me the money is on hold, but it could be worse that the money totally disappeared from the account. Advice to others, if you have a chase account, monitor closely. If you dont, go elsewhere. Look at all the publicity that they are getting because of their latest XXXX XXXX XXXX employees are not proactive and doing their jobs. An example of that is when Customer complaints told me to reach out to the branch instead of them following up with the branch with next steps to try to resolve the problem.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-17
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. (TX)

Hello, I had a credit card with XXXX XXXX XXXX. I paid it off and closed it in XXXX. The card is still on my account. I want this account to be deleted from my account. I sent disputes to transunion they refused. I asked the company they refused. I want this account deleted from my account. It is paid off. This is harassment. XXXX XXXX XXXXXXXX is doing harassment. I will get the XXXX XXXX if I have to and make it public and ask to be paid damages for harassment. They better take this account off my credit report. It is paid off and it is old. Take it off my account. This is harassment. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX XXXX company. 

Thank you! 

Sincerely, XXXX
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX  for ID
Consumer complaint received 2023-02-17
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$15000.00}
Consumer complaint received 2023-05-28
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. (NJ)

In accordance with the fair credit reporting act XXXX  Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account with my written instructions.
Consumer complaint received 2020-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am unable to file a dispute with Transunion. Their website is not processing disputes ( circular loop ) ; their listed phone disconnects the caller after a series of options.
Consumer complaint received 2023-02-17
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX T ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-01-03
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. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

On XX/XX/2023, I applied for an IDR/ICR payment plan, including authorization for IRS to include my tax returns. According to studentaid.gov, It was reviewed, processed, and completed by Nelnet on XXXX XXXX XXXX I received no updates or email communication regarding the application. I called them twice to find out that they required additional proof of income even though they received my tax returns directly from the IRS. I uploaded the requested documents on XX/XX/2023 that they should have requested weeks prior via email - again, they sent zero email communication regarding my IDR/ICR application. Nelnet claims that they send updates every 10 days via email as well as requests for supporting documents. However, as of today ( XX/XX/2023 ), I have received zero emails from them regarding my IDR/ICR application. I had to call Nelnet to find out that they need those documents. As of today, Nelnet has yet to update my payment plan, still showing the traditional payback amount for monthly payments on my loan dashboard, and has not created a payment schedule. Student loan payments are restarting this month, and Nelnet appears to be in complete chaos.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Experian is reporting multiple late payments in XXXX and a recent late payment in XX/XX/XXXX. I have spoken with XXXX XXXX and was told they did not report any late payments in XXXX or anything recently, therefore, Experian reported incorrectly
Consumer complaint received 2021-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Credit Recovery, Inc. (LA)

I do not know what I am being penalized for. 

All of a sudden, I start receiving Late Payment notifications on my Credit Score. I do not know what this could be from. 

I have never previously missed payments for anything.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I received my payroll card but never activated it. I received a mew payroll card because i lost the other one. My company informed me i have to contact wisely to get the remaining funds from my other account/card.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (NV)

Today XX/XX/20 Bluebird American Express locked my prepaid card ending in XXXX AFTER an uncharged authorization released to my card after merchant agreed not to charge for non shipped item. Bluebird committed fraud by closing my card in an effort to deny me access to remove my bank debit card I placed on account for balance transfers. 
In a word, this is bank theft by Bluebird.
Consumer complaint received 2023-02-19
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. (MS)

To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX/2018 and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXXXXXX XXXX XXXX XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX US DEPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX21charged interest of {$11.00} after I had paid off XXXX statement balance {$1400.00} by XX/XX/XXXX. 
First paid XX/XX/XXXX {$100.00} Next XX/XX/XXXX {$1100.00} Next XX/XX/XXXX {$230.00} Total paid {$1400.00} just as separate payments. Bill not due until XX/XX/XXXX. 
Other charges hit for next billing cycle after which should be on this next bill. Why am I charged interest when I paid XXXX balance in full.? 
I called and they are insistent about me not paying XXXX bill in full. I did. They still charged me. They bring up billing date and cycle date are different. 
If so, this is misleading the consumer and creates conflict and bad for business. 
How are they allowed to say on billing you pay bill in full you wont be charged interest but they did in fact bill me interest.
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV INC. (OR)

Hi, CFPB folks. 

The short of it : Having withdrawn my EIP credit from Money Network XXXX XXXX, I now want to close the account. But no method of closure is mentioned by either party, nor do they provide a way to reach a human by phone or email, nor did I get any response to my written request to their address-of-record. 

The history : In XXXX, I get an unsolicited debit card with letter ( from Economic Impact Payment Card '' says the front of the letter ; from Money Network Financial on the back of the letter ). No alternate way of getting the EIP credit is mentioned anywhere in letter ( or websites ) so I activated the card by phoning number provided. I also created online account, reluctantly. I used it to arrange an ACH transfer to my bank. The transfer arrived XXXX XXXX. 

But try to close the XXXX account? Impossible to find method to do such. Not mentioned on any website I can find, nor by calling phone numbers provided. No human can be reached, by phone or email. 

Most alarmingly, no response comes even after I send a letter to Money Network Financial at the address provided on original letter sent to me. So I'm left wondering : Are they not required to close the account if I ask? Are they not required to respond to me saying they will or won't close the account? Is it even my account, or is IRS the account owner in this case? 

PS. I understand there are good reasons for sending debit cards rather than checks, but a check would have been my preference. I have no interest in creating new accounts at new financial institutions. I am alarmed that XXXX XXXX Money Network Financial received personal information from IRS ( and from me, during the activation of the card ) and now will not even acknowledge my request to close the account.
Consumer complaint received 2021-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Four Directions Lending LLC (MI)

A form was faxed to a doctor office in the same building I work stating I owe for a loan I never applied for. The the has everything wrong except my name and job. A email listed job phone number and fax. My bank account was compromise a few ago when my purse was stolen so I closed the account and had to replace all my belongings that was in there. I did the company I was a victim of identity theft.
Consumer complaint received 2022-11-12
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (GA)

Date- 2020 Amount- {$1600.00} Action-Reported to XXXX I have contacted this company and ask for proof of verification more than once and still no response. XXXX removed it for 4 months but replaced it on my credit file in XX/XX/2020. It is not mine and is ruining my financial credit score.
Consumer complaint received 2023-03-04
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. (WI)

In accordance with the Fair Credit Reporting act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX  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.

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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 2018-06-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GMA Investments, LLC (ID)

this company continues to call my personal phone, my employers phone, my friends and family after repeated times of asking them to stop and only contact me via us mail. i also asked them to send me proof of the debt and they refuse. they use profanities and threaten me. they tell my family and friends to pay the debt. they just called my work and told my employee that they are collecting a debt for me and they were rude to her. i DO NOT WANT THEM TO CALL ME ANYMORE. please only contact me via us mail.
Consumer complaint received 2023-02-19
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. (MS)

Last XXXX of XXXX RE : Account Number I received notice that you verified certain items on my credit report from the following companies : 1. XXXX XXXX  XXXX 2. XXXX  XXXX 3. XXXX  XXXX XXXX 4. XXXX XXXX  XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Supply your response within 15 days or delete the trade-lines.