davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Reported by Experian, XXXX, and XXXX, I have numerous old student loans that should have been removed from account going back to 1995. I still have an old student loan on my credit report even though all of my loans were forgiven through the XXXX discharge program which Biden approved. My loans are being turned over to other account holders, and credit bureaus continue to resubmit them as if they are still active, closed, transferred, and delinquent. This is harming my credit score and have been for years. These loans should have been removed, but because they sell off to another account holder, the credit bureau engages in unfair reporting by renewing the date, thus adding it back onto my report. I have already contacted the credit bureau, and they refuse to delete these items. I also checked and they are still reporting old information about the discharges, and have not removed all of my loans. I recently received a XXXX point reduction because the credit bureau reported an electric bill as owed. The credit bureau is engaging in unfair practices buy relisting old debts that are paid, and i request them to remove them, and still they do not. Debts that were resolved, are still appearing on my report. I would like to have this investigated, and if possible look into if I can sue the credit bureau.
Consumer complaint received 2021-10-12
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. (FL)

My credit report reflects a loan from XXXX XXXX I do not have a loan. I have not signed a promissory note to make monthly payments ; however my credit report shows I am 90 days past due on a one year loan. This is fraud and I demand under the FCRA this be removed from my credit report.
Consumer complaint received 2023-07-17
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. (MN)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-03-16
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. (GA)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-10-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

please remove these 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (TX)

I disputed a charge of {$700.00} in XX/XX/2020, provided an email from the merchant as an evidence that they promised to credit my account but they did not. Also, the merchant service caused additional property damage. 

I had to reopen the same claims at least 4 times since American Express kept closing the claims either by mistake or no reason, and the customer service weren't sure why those claims were keep closing and disputed amount were reversed. 

In XX/XX/2020, I complained to customer service and toild him that I will file a complaint with CFPB, the customer service representative re-opened the claim and asked to wait a few weeks to check on the claims. I was surprised that all records of this disputed were completely removed from my Transaction History. 

I have attached a screenshot that I captured on XX/XX/2020 which shows several disputes for the same transaction along with my Chat with Representative where I said I will report to CFPB, the representative indicated that someone will call me in 24-48 hours BUT no one from Amex called. 
Another screenshot captured today and XXXX which shows no dispute at all.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2023-02-21
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. (TX)

In accordance with the Fair Credit Reporting Act, 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. 

- I did not give any written instructions to furnish an account to any consumer reporting agency.

In accordance with the laws of the Fair Reporting Act, the following companies have violated my rights. 
1 ) XXXX XXXX # XXXX 2 ) Bank XXXX XXXX XXXX Account # XXXX 3 ) XXXX XXXXXXXX Account # XXXX 4 ) XXXX XXXX XXXX Account XXXX XXXX 5 ) XXXX XXXX XXXX Account # XXXX 6 ) XXXX Account # XXXX 7 ) XXXX XXXX XXXXXXXX Account # XXXX 8 ) XXXX XXXX XXXX  XXXX XXXX 9 ) XXXX XXXX XXXX Account # XXXX 10 ) XXXX XXXXXXXX XXXX Account XXXX XXXX 11 ) XXXX XXXX Account XXXX XXXX 12 ) XXXX XXXX  Account # XXXX 13 ) XXXX XXXXXXXX XXXX XXXX Account # XXXX 14 ) XXXX Account # XXXX 15 ) XXXX Account # XXXX 16 ) XXXX XXXX XXXX Account # XXXX 17 ) XXXXXXXX XXXX XXXX XXXX Account # XXXX 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 2023-02-22
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX... Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (FL)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2022-10-12
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. (SC)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX {$360.00} ERC ( Original Creditor : XXXX XXXX ) XXXX {$1000.00}
Consumer complaint received 2024-04-15
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: Resurgent Capital Services L.P. (NC)

Upon other things, I mentioned in a previous CFPB dispute that this company is in violation of the FCRA by sending my personal information to an address which I have never resided. Whether that is the result of a mixed file or another cause, the simple fact is that it is a complete violation of privacy and confidentiality. This concern was left unaddressed which is also a violation of the FCRA. The following quote is a duplicate of the letter that was sent to them directly ( following the CFPB complaint ) regarding sending my information to an incorrect address. 

" To whom it may concern : " Resurgent Capital Services, I have received communication via mail pertaining to my dispute of all three accounts with LVNV funding. First and foremost, all three recent letters sent out by your office had been returned to the mail office and sent to my correct address. The above referenced address is my current address. I have never resided at XXXX. By you sending my personal information to an address which I have never resided at is a violation of CFPB XXXX labeled under duties of users regarding address discrepancies. As well as a violation of the FCRA. 
With that being said, pertaining to the letters that were sent, my dispute never included any mention of identity theft or fraudulent charges as stated in your most recent letters. My dispute was pertaining to the fact that my accounts regarding LVNV funding are open with both : Resurgent Capital Services and XXXX XXXX XXXX. Although your letter states that the current servicer is XXXX XXXX XXXX, I am still able to go on your company 's website and make a payment as well as review my accounts information. All account information from Resurgent Capital Services is being duplicated with XXXX XXXX XXXX. With that being said, delete all ties with these collections and Resurgent Capital Services. I am under no obligation to have further communication. 
Failure to comply will result in a formal letter to The Consumer Financial Protection Bureau and a claim filed for damages. 

Best regards, XXXX XXXX Enclosed : proof of identity and social security My concern has failed to be addressed on XXXX different occasions.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

I am sending a complaint of my account that was compromised since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$35000.00}. I've been given the run around, Citibank is giving me the run around and don't want to pay me. Can someone please help me return back my funds XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : XXXX XXXXXXXX XXXX Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Consumer complaint received 2021-10-12
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: VEROS CREDIT, LLC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2023-03-17
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. (PA)

My name is XXXX 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 2023-02-21
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. (TX)

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. 

Account name and number : 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 XXXXXXXX ) 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 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 2023-02-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (SC)

As a XXXX XXXXXXXX veteran, I am currently under contract to purchase a more accessible home that will improve my daily quality of life. I am also under contract for the sale of my current home. The person who is purchasing my home is also a XXXX veteran and we are in the process of a loan assumption with my current servicer, Mr. Cooper ( formerly Nationstar ). Mr. Cooper initially assured us ( both buyer and seller ) that the assumption process would be completed in about 30 days. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process by completing the assumption package that Mr. Cooper sent me. 

Both the buyer and seller completed all documents that Mr. Cooper requested, and provided those, along with any documents we anticipated they would require, within XXXX business days. Mr. Cooper then told us that this process would take 3 to 6 months. Each time we speak with someone at Mr. Cooper, the timeframe we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. In the most recent interaction with them the timeframe of 4 to 6 months was the estimated time required to complete the assumption.

A 4 to 6 month timeframe is unreasonable and will cause me to have to terminate both this contract and the one for the home I'm trying to purchase. I stand to lose thousands of dollars if this were to happen. The closing date for the home I am purchasing is XX/XX/23. 

Mr. Cooper states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The Mr. Cooper agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response.
Consumer complaint received 2023-03-17
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. (PA)

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 2023-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the issue I would like to report is related to ATM error, I Deposit {$3300.00} but it just show {$3100.00}. 

On XX/XX/2023, XXXXXXXX XXXX I went to XXXX, NJ Capital One branch, and using the machine XXXX to pay my credit card debit. I have to pay {$3300.00}, so that's why I bring a cash and pay for it, but the ATM machine has error, when I deposit {$3300.00}, the ATM just accept XXXX XXXX, then i press deposit and keep deposit the money, but at the end of the processing, I found out the amount is not correct, it divide to few transaction, {$1000.00}, {$700.00}, and {$1400.00}, {$200.00} is missing, then I call the customer service right the way when I still in the branch, and the give me a temporally credit. because I also work in a bank, I know the procedure, they have to audit the ATM machine, and make sure the amount is match, so I never worry about it. 

They took a temporally credit back after 10 days, they said after investigation, they couldn't found the money. I count the money few times after I made a deposit, so I am sure the amount is correct. and it was happen on Sat, I asked them when they did a audit? in this month, how much customer dispute for the incorrect amount? do they have a regular check up for the machine, and when I deposit the money, the machine has issue, keep return me back the money, and didn't deposit it correctly, that's why it divide a few separate transaction, but the customer service said, they couldn't do anything, even complaint, that's doesn't make sense. The investigation is totally not transparency, even I asked them they can checked the cam to see when I deposited the Money, the machine has issue. I know I may not give my money back, but it's really not fair to the customer. I lost {$200.00}, if they did a audit I don't believe it will show the right balance.