davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I sent a 609 letter to equifax on XX/XX/2020 in regards to inquiries. according to the fair credit reporting act they were supposed to respond within 30 days and I still havent received a response by law they should be removed.
Consumer complaint received 2021-06-18
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MA)

I received a {$30.00} rebate card from myprepaidcenter.com on XX/XX/2019 and it had an expiration date of XX/XX/XXXX. I called the company on XX/XX/XXXX and they said the funds expire when the card expires.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I made extra payments to my mortgage so my LTV is 77 % but my mortgage bank Wells Fargo refuses to cancel my PMI without paying for a broker 's opinion or appraisal. They said it does not matter what my current LTV is, I either have to pay for the appraisal that determines my eligibility or wait for the date of 78 % specified on the amortization schedule that was generated on the loan closing date. According to the amortization schedule I received at the loan closing, I have to wait until XX/XX/2025 for them to automatically cancel the PMI. 
Is this legal? I need some advice. Thank you!
Consumer complaint received 2021-06-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (FL)

I have sent validations letter about this debt to the company itself asking more information regarding the debt and no validation letter has come back at all. Since no validation letter came back I dispute it with the credit bureaus yet the credit bureaus are stating that the debt is valid. I sent back to the credit bureau a message asking how was their determination hat the debt was mine made and nothing came back validated either since neither the company nor credit bureaus can validate this debt I would like this debt to be remove from my credit bureaus and that my credit report be updated without it.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

In the 2nd half of XX/XX/2013, I engaged Chase Mortgage for a loan modification ( Primary Mortgage and Home Line of Credit ). This modification was granted and resulted in lower payments than the original agreement. However, it took Chase over 6 months to fully process and get payments and documents caught up and resulted in 5 late payment reporting ( s ) from 30 to 120 days on mortgage and 1 late payment on HL account. Loan modification payments were made and I followed all instructions from the loan servicing agent ( s ), and all loan payments prior to initiating the loan modification program and after were in good standing.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have no score with Experian for over 6 months. 

I have tried to get an updated score via calling, sending in updated documents, paying for membership and none have helped.
Consumer complaint received 2021-06-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (NJ)

So on XX/XX/XXXX at about XXXX i received a loan for XXXX dollars. If i knew that the interest on it was XXXX dollars, making the amount owed more the XXXX dollars, i would have never done it.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (FL)

I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt this item was not being reported legally. 
A couple of days ago I received a template letter stating that your investigation was complete and multiple items listed were Verified. 
To my understanding this needs to be performed separately, and not grouped together with other accounts. I also believe that for a item to be " verified '' there are specific details that need to be provided to me, which were not. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-18
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. (KS)

XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..
Consumer complaint received 2020-03-18
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. (KS)

XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX XXXX File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

American Express ( debt from XXXX ) hired XXXX XXXX - represented by XXXX XXXX ESQ. BAR # XXXX, XXXX XXXX ESQ. BAR # XXXX and XXXX XXXX XXXX. BAR # XXXX On XX/XX/XXXX XXXX XXXX XXXX ordered the sheriff to levy my bank account for a debt that belongs to XXXX who was added to my account to manage my bill pay. I was never notified by XXXX XXXX XXXX or by my bank about this levy. 
The company I work for makes a direct deposit to my bank account. 
XXXX went to withdraw the money to pay the rent but was told by the cashier that the account was levy two days ago. 
She told the cashier Mr. XXXX that this debt does not belong to XXXX XXXX and this is his account. He said that there was nothing that can be done. 
XXXX  contacted XXXX XXXX XXXX XX/XX/XXXX and spoke to lawyer XXXX XXXX explaining to him that the bank account belongs to XXXX XXXX and the debt belongs to XXXX. XXXX said he will contact American Express and have them release the funds and will notify her but he never did. XXXX called 2 days later and the next day but XXXX said there was no response as yet. ( Later, I found out that there were a 10 days hold on the levy. And within that time the funds can be refunded back to the original owner ). So Mr. XXXX XXXX was just stalling and only got back to her after the 10 days grace period was over with the response that they will not release the funds back to the account. 
On XX/XX/XXXX XXXX  went to the bank branch manager Miss XXXX XXXX and discussed the problem with her but she said there was nothing that she can do. So XXXX wrote the Bank cooperate office. Miss XXXX XXXX said she can not do anything but I can contact the sheriff. 
We spoke to Miss XXXX at the Sherriff department in XXXX XXXX and she explains to us that when the sheriff came to the bank, the bank associates are supposed to notify him that there is another person on this account and in that case this other person must be notified first before the account can be levy. I XXXX XXXX WAS NEVER NOTIFIED BY MY BANK. Even 2 days later after they levied the account. I did not get any alerts. And they all LIED TO us that there was nothing they can do. 
The bank made a big mistake by not informing me about this levy and refused to release my funds back to my account. 
XXXX XXXX XXXX made a mistake by taking my full salary for a debt that does not belong to me. 
Please CFPB kindly addresses the matter for this is not only a disgrace to our country but discrediting what we the USA stand for.
Consumer complaint received 2021-06-18
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: CITIBANK, N.A. (NY)

XXXX XXXX XXXX Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Please delete immediately! 

XXXX XXXX  XXXX The negative information reported is totally wrong. Please remove it from my file XXXX XXXX This is not verified. I contacted the furnisher as you told me to do and they have either refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days!
Consumer complaint received 2020-03-18
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. (KS)

XXXX XXXX, a major servicer of private and federal student loans, is facing six lawsuits alleging that it harmed student loan borrowers throughout the repayment process. ... Is XXXX  student loan forgiveness real? Is XXXX my student loan servicer? 
Missing : ftc | Must include : ftc XXXX  XXXX  File a complaint with the Federal Trade Commission if you feel you are a victim of any type of online fraud at ftc.gov/complaint and IC3.gov. Never give out personal ..
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One did process a change to lower the APR for 6  months. However, due to COVID-19, I feel that they can do better. Instead of establishing a variable rate with a quarterly prime ; they could provide a lower APR under a fixed amount. I was transferred three times. The final representative stated that there is nothing available since I accepted the promo.. Very insensitive towards the national pandemic.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (GA)

XXXX, XXXX, AND XXXX are inaccurately reporting the account ( WORLD FINANCE COMPANY XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the XXXX consumer report, this account is listed as " medical '', ONLY on this XXXX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate. 
WORLD FINACE COMPANY account MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, & XXXX are not maintaining reasonable procedures. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' WORLD FINACE COMPANY the financial institution and the Consumer reporting agencies XXXX, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to WORLD FINACE COMPANY whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' WORLD FINACE COMPANY never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( 2023 ) from the IRS, as well as, the associated World Finance Company account that is inaccurately reported on my consumer reports
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

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.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have a bankruptcy on my XXXX that does not belong to me it is not mine i have not filed for this or know where its comin from also one inquir on my transunion that is not mine i have been disputing this since two years ago!!!! 

Account Name : US DIST CT Account Number : XXXX Inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2019 2019
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Onity Group Inc. (TX)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian refuses to delete or remove an account from credit report that is reporting inaccurate and invalidated information causing grave damage to my credit history. I do not have a contract with : XXXX XXXX XXXX XXXX. Nor did I ever reside at the address listed under this account. I explained that this was violating the fcra laws and statues 15 usc 1681. I would like to pursue civil damages of {$1000.00} for repeatedly denying my right, and request for a removal.
Consumer complaint received 2020-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Action Financial Services, LLC (TX)

Action Financial is the 3rd party over my loans. THIS COMPANY IS FRAUD AND HAVE TOOK MONEY DIRECTLY OUT MY CHECK FROM MY JOB COMPANY KNOWING THERE WAS A STOP PAYMENT ON MY LOANS IN XXXX. MY EMPLOYER GAVE ME THE DOCUMENTS FROM THE DEPARTMENT OF STUDENT LOANS IN XXXX FOR STOP PAYMENT. IN XXXX I REQUEST A REFUND FOR MONEY OWED BACK TO ME. A TICKET CLAIM WAS SUBMITTED IN XXXX AND I WAS TOLD NOT TO CONTACT THE DEPARTMENT OF STUDENT LOANS THEY WILL MAKE THE REQUEST. IVE BEEN CALLING ACTION FINANCIAL SERVICES EVERY TWO WEEKS FOR 3MONTHS NOW AND THEY BEEN GIVING FALSE INFORMATION REGARDING MY LOAN AMOUNT, PAYMENT AMOUNT AND THE DATE OF THE REFUND. THIS CHECK FOR XXXX AND XXXX NEEDS TO BE ISSUED ASAP. IVE WAITED 3 MONTHS ALREADY I DONT WANT TO HEAR ANYTHING ABOUT A 41 DAY TURN AROUND TIME PLUS 14 BUSINESS DAY FOR MY CHECK. 
THIS IS WAGE THIEF AND FRAUD ON ACTION FINANCIAL SERVICES END. I WANT TO BE UNDER A DIFFERENT FINANCE COMPANY. OR I WILL NOT BE MAKING ANYMORE PAYMENTS. I DO NOT TRUST THIS COMPANY AT ALL!
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$800.00}