davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Consumer Financial Protection Bureau XXXX XXXX Fair Lending and Equal Opportunity XXXX XXXX XXXX XXXX Washington, DC XXXX Dear CFPB, I am writing to express my deep concern regarding the systemic biases inherent in the XXXX scoring system used by major credit bureaus, including XXXX, Equifax, and XXXX. This XXXX XXXX XXXX XXXX XXXX and unjustly penalizes marginalized groups. 

Despite maintaining a credit score in the XXXX and demonstrating responsible financial behavior, such as timely payments, low credit utilization rates, and no outstanding collections, I recently experienced a sudden and inexplicable drop of XXXX points in my credit score. This arbitrary decrease undermines the integrity of the credit scoring process and unfairly limits economic opportunities for individuals like myself. 

It is unacceptable that private, for-profit companies prioritize financial gain over fair and equitable credit XXXX XXXX The current credit scoring model not only perpetuates XXXX bXXXXases but also punishes individuals for responsible financial management, such as paying off debt or closing accounts. 

This unjust system exacerbates economic inequalities and perpetuates cycles of debt within marginalized communities. Therefore, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into the XXXX XXXX XXXX ( XXXX ) and major credit bureaus to address these systemic issues and ensure fair access to credit for all individuals. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take decisive action to rectify these injustices and uphold principles of fairness and equality in financial services.
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE NO KNOWLEDGE OF THE FOLLOWING INQUIRIES AND HACE FROZEN MY CREDIT FILE ON ALL 3 BUREAS BECAUSE OF THEM. 

XXXX XXXX XXXX XXXX2022 XXXX XXXX 02/15/2022
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following accounts : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

Navient has NOT been able to provide proof of my physical signatures on loans that claim that I am a co-borrower. My brother, XXXX XXXX, is the borrower. 

Since Navient is unable to provide my physical signatures, it is clearly unlawful to have me on these private student loans that were taken out to attend the corrupt and now closed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Moreover, Navient loan numbers : XXXX only show my name typed into the blanks for the co-borrower and that is not proof that I signed those private student loans. 

I have contacted my Attorney to prepare for next steps to explore litigation against Navient and plan to contact North Carolina State Attorney General 's office in the coming days to file a complaint as well.
Consumer complaint received 2017-04-04
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

They are stating that I took a loan and keep sending me threats. I have continuously sent them a demand for proof and was just advised that I applied by an email. I have never applied or received any funds from ACE or its subsidiaries
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (HI)

As Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I ama victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX XXXX amount : {$5900.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX : {$3500.00}, XXXX XXXX XXXX : {$1800.00}, XXXX XXXX XXXX : {$2800.00}, XXXX XXXX amount : {$940.00}. Remove hard Inquiry as well XXXX XXXX XXXX, Date XX/XX/2022XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Consumer complaint received 2023-02-18
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. (NC)

I recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to XXXX and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.
Consumer complaint received 2023-02-11
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 11 XXXX ) XXXX Balance : {$220.00} XXXX XXXX ( Original Creditor : 08 XXXX XXXX ) XXXX Balance : {$600.00}
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (AZ)

American Express is the credit card company I would like to file a complaint for. 
I applied a credit card Delta SkyMiles Gold Card from American Express back in XX/XX/XXXX  with a deal that I would receive a welcome bonus of {$300.00} if I used the card to purchase XXXX XXXX tickets and also if I spent {$2500.00} in the first 3 months after opening the account. I received the card several days later after the application but there was no indication from XXXX that I would not get the welcome bonus {$300.00}. In between, I did not receive any letter or email from XXXX that the card was provided to me but no welcome bonus that I was qualified. Without knowing it, I charged the card for XXXX XXXX tickets and continued to spend more than {$2800.00} in the first month and a half on the card. I had discussed this matter with the company 's representatives. They answered that they would bring this compalint up to the upper lever and let me know if they came up any solution on my case. After waiting for some time without an answer from them, I decided to pay my first statement balance immediately but left out {$300.00} which I was supposed to be given ( I paid them on XX/XX/XXXX for {$2500.00} ). As of today XX/XX/XXXX, I have not received any answer from XXXX regarding the status of my {$300.00} welcome bonus. So far, I had received 2 more statements which showed interest and fee of {$330.00}. I had closed my account on XX/XX/XXXX XXXX 
Please let XXXX know that I do not owe them any money and do not want to receive any more statement from them from now on. 

Thank you for the help on my case. Your time and effort is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX American Express card XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX, I had a live chat conversation with agent on my PayPal account asking him ( XXXX ) if I make extra payment to my PayPal will it be allocated to the special financial purchases that are coming due in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX advised to make the payment in the amount of {$1900.00} and he will have the payments applied to the account according to my request. So made the payments while he was on the live chat with me. The problem is instead of applying the payments per my request ( Synchrony Bank ) PayPal which would have paid off amount due for those months. Instead payments when to XX/XX/XXXX and special finances purchases that would have come due in year XXXX and XXXX. Kindly keep in mind that I had already made the minimum payment of {$220.00} on XX/XX/XXXX towards the XX/XX/XXXX due date. From since XX/XX/XXXX I have contacted Synchrony Bank via telephone, messages online, and live chat to get this done. Now they are charging me accrued interest for XXXX in the amount {$64.00}. I just received a billing statement for {$1600.00} due for XX/XX/XXXX ( special finances purchases ) if I do not pay the full amount I will be held responsible for accrued interest total {$170.00}. for the month of XXXX. I have already paid off these payments. I have tried to get this clear up and all I am getting is run around I fell like I am fighting a phantom.
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

Hi, I made a transaction # XXXX to charity donate to a XXXX  organization helping to make a humanitarian relief to people suffered from war via Wise remittance, but Wise ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.wise.com ) declined to do the transaction because they stated I violated their acceptable use policy and this is sanctioned entity, related to weaponry. In fact this is lies, this entity does not exist in XXXX XXXX list and never was. 
Entity I was making a transaction is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is it lawful that Wise declines to do this transaction?
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group ()

I am writing to express my disgust at your companys reprehensible actions regarding my account. As a military service member, I have faced financial difficulties due to a combination of job loss and military-related delays in pay. During this challenging time, I made an honest effort to reconcile my loan with XXXX, but they refused, eventually selling my account to your company. 

I contacted Velocity Investments LLC in an attempt to resolve the situation. I inquired about the details of your acquisition of my account, including how much you paid for it and my personal information, and expressed my willingness to discuss a settlement or payment plan. Despite my good faith efforts, your company has remained unresponsive. 

On XX/XX/year>, while I was away on XXXX XXXX military orders, you sent unidentified individuals wearing badges to my grandmothers home. They refused to identify themselves, explain their purpose, or provide a point of contact. This type of behavior is not only predatory but a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment by debt collectors. Furthermore, the Servicemembers Civil Relief Act ( SCRA ) provides protections for XXXX XXXX military personnel, shielding us from court actions during periods of service. In blatant disregard for these protections, you have also filed a case in small claims court against me while I am actively serving, and to make matters worse, in a jurisdiction where I do not even reside. 

Your companys actions are not only unethical but unlawful. I demand immediate accountability and a halt to these egregious practices. I am prepared to settle this debt, but only on fair terms. I propose a settlement for 20 % of the delinquent principal at the time you acquired my account. 

Should you continue to evade a fair resolution, I will have no choice but to explore all legal avenues available to me under the FDCPA and SCRA to protect my rights as a consumer and a service member. 

I expect a prompt and professional response to this matter.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

This bank is only open and operates by charging people fees even in a pandemic money hungry husband battling XXXX XXXX XXXX  with second XXXX. On XXXX XXXX  every 2 weeks costing XXXX for a month supply. So much money to the banks cant even get my monthly bills paid. Over XXXX in one year. Yet they have nerve to tell me they helped me they have not. Employees rude disrespectful even discriminate low income barely making it customers. Parents opened this account years years ago this bank doesnt care about loyalty suppose to charge one fee now telling me they are going to charge me 4 times a day.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (SC)

Refinanced with another mortgage company. The payoff statement said the escrow balance was XXXX. The payoff amount included the principal balance, interest for the month, and the PMI payment for the month with a payoff date of XX/XX/XXXX. Attorney sent proof the check arrived in their office on XX/XX/XXXX. The company said the payment was not processed until XXXX. The payoff said I would receive a paid in full letter in 5 days and my escrow check within 20 days. In speaking with the company I learned that they have been taking money out of my escrow to cover interest and PMI even though they shouldn't have charged me anything after XX/XX/XXXX. Today is XX/XX/XXXX. I still have not received the letter and have not received a check. I spoke to them on XX/XX/XXXX and they still have the wrong escrow balance and they told me they would get to the bottom of the issue and call me today, that I did not need to call them back. They did not call me. 
I should not have to report them to get money that is rightfully mine. No one should have to go through this.
Consumer complaint received 2021-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (VA)

I sent a debt verification latter to Account Resolution Service twice. One in XXXX and the other one on XX/XX/XXXX. Each time the company have failed to validate my debt. Instead they send a list of my medical record which I know is a direct violation my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Consumer complaint received 2021-10-20
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: Santander Consumer USA Holdings Inc. (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2021-10-20
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. (WA)

XXXX XXXX XXXX sent bill in XXXX XXXX. I engaged attorney XXXX XXXX XXXX in XXXX XXXX WA who sent a letter along with my own check to XXXX XXXX. Ms. XXXX ( XXXX ) also got in contact with XXXX XXXX management regarding the account. On or about XX/XX/XXXX XXXX referred the account to collections with a XX/XX/XXXX date which made no sense. I closed any and all accounts in XXXX XXXX and XXXX had my attorney contact for any further issues. Ms. XXXX reached out to XXXX XXXX attorney regarding the account. I wrote to the collection agency advising I paid the bill. I am unable to obtain a copy of the check because it was drawn on XXXX XXXX  which closed in XXXX XXXX. They were taken over by another bank. It is near impossible to contact them by phone, there is no online access to the account and all statements were electronic so I have no bank records. I only have my attorney 's office confirming payment for the account. Neither XXXX, nor their attorney nor the collection company responded to my letters. I wrote to the credit agency with copies of the contacts and two of the three cleared the negative credit collection after their ow investigation. Equifax will not, they have advised as of today that they were able to confirm the account as valid. No one provides me any documents or communications as to what account and why nor a response to the payment previously made by my attorney 's office. I can not get a home loan, all my current loans and credit cards have higher interest as reflected by the collection. The original bill was related to a situation where I am protected under XXXX XXXX. I moved out due to XXXX XXXX situation and my attorney provided all relevant documents to the rental agency XXXX XXXX attorney. We never heard from XXXX that this or any other bill was due.