davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MA)

Sallie Mae is the epitome of a company that the CFPB is supposed to protect borrowers from. Their interest rates are exorbitant ( borderline predatory considering a high percentage of borrowers are under the age of 21 ) and their " options to help '' the borrower will only leave you out of significantly more money than you were initially paying. I needed private loans because of a lack of assistance from the federal program, and having to pay for school by myself ; now I realize that I would rather have not gone to college than deal with Sallie Mae post-graduation. Their coronavirus response is nothing short of abysmal considering they are offering one month of forbearance while interest still accrues- leaving borrowers effected by this virus with an increased monthly payment. The entire coronavirus issue is completely out of borrowers control and they will be the ones footing the bill instead of a company with XXXX XXXX dollars in assets. My income is being effected by this and now I will be the one who gets hit the hardest because Sallie Mae lacks any sense of Corporate Social Responsibility. What this company is doing to borrowers is plain wrong and they will end up bankrupting borrowers rather than taking some initiative themselves. The greed of companies like Sallie Mae are unmatched by any other aspects of society and per usual they will be allowed to get away with whatever they please as they are a private lender. As somebody who works full-time with multiple part time jobs and is barely able to make payments I know a majority of people are in a much worse position than I am and even I am struggling. Allowing companies like Sallie Mae continue to thrive off others suffering is plain wrong and they will bleed borrowers dry until there is nothing left.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On around or about XX/XX/2022, my score dropped XXXX points from TransUnion. 
All I see is XXXX changes for this action. 

XXXX XXXX services account balance increased by {$55.00}. 
XXXX XXXX increased by {$2400.00}. 

I can't see my score dropping XXXX points for this. 
The other XXXX XXXX score drop XXXX points not XXXX. 

I want a re-evaluation of my score. 
I think this is wrong.
Consumer complaint received 2020-12-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (IL)

Company constantly calling about a person who does not own this number. Keeps asking for a person and I have told them multiple times this is not that persons number. They ask if I am that persons husband or wife. I ask how did they get the number, they repeat who they are looking for and that the calls are recored. I told them to stop calling this number for whoever they are looking for ... they keep calling and will not tell you how they got your number. 
Most recent XX/XX/20 - XXXX, XXXX, XXXX, XXXX, XXXX ( x2 ) cst XX/XX/20- XXXX XXXX
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Based on the Equal Credit Opportunity Act I believe I was discriminated against. Chase gave the reason of not having a deposit relationship which I do have and not having enough credit furnished to my consumer report as a reason to decline my application for credit.
Consumer complaint received 2023-01-22
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. (GA)

These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all XXXX XXXX XXXXXXXX - OPEN - all XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-17
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2023-12-27
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. (CA)

on XX/XX/XXXX  someone applied for a credit card on my behalf with XXXXXXXX XXXX XXXX. I never did this application and now there is a hard inquiry on my credit report. I called the bank and withdrew the application and called all 3 credit bureau to freeze my credit access and put fraud alert.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  XXXX Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted. 

Please advise.
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The Bank of America online bill pay system has always sent out paper checks to payees who are not electronically integrated into their system. About 3 months ago they started debiting my account not when those checks were cashed but instead on the day when the check was expected to be delivered in the mail to the payee. That is, they are debiting my account for checks that have not been presented by the payee for payment. How can they be allowed to do this? I complained to their corporate complaint center in a series of emails from XXXX XXXX to XXXX XXXX. They acknowledged the complaint but provided no justification. I am attaching a .pdf of the email exchange.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

sent letter XXXX XXXX and called with police report number still have 4 auto loans that are not mine and XXXX with balance of XXXX not mine along with 30+ hard inquieres, they say try to reach creditor and then if that doesnt work to call them directly but then they just to push there service and do not remove the fraudulent items or say to go online and then when you go online it says to call. XXXX poor service remove my fraudulent items
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

An electronic bill pay, through Wells Fargo Bank, was submitted, we mistakenly submitted to the wrong payee. The funds were deducted from our checking a/c. The funds were sent to XXXX XXXX XXXX. We contacted XXXX, advised them of the error and asked that they return the mistaken payment ( {$1500.00} ). XXXX, after doing much research on their end, stated they had no record of the payment. ( I should mention that my wife had a business a/c with XXXX. She had closed the a/c during XXXX, but had not removed XXXX from our bill pay list. This how she mistakenly clicked on the wrong payee and the electronic payment was sent. ) Wells claims XXXX got the payment and deducted it from our checking a/c. We have filed at XXXX claims with Wells. They have sent us there proof of payment, however, it does not show what bank it was sent to, or the a/c number & routing number of the recipient. 
This has been going on since XXXX. The initial electronic payment was sent on XXXX XXXX, XXXX. We can not get Wells to provide these two most important facts. 
I should mention that both the local Wells Fargo branch manger and the XXXX XXXX XXXX have been very cooperative and sympathetic to the problem. 
My wife and I are both XXXX XXXX XXXX and this is extremely stressful for us.
Consumer complaint received 2020-03-09
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. (FL)

XX/XX/2020 RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : Item # XXXX XXXX XXXX # XXXX I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Reason for Deletion This account is inaccurately reporting late payments. The original balance is {$0.00} and over the life of the account the balance remained {$0.00} until the account was It is impossible to have a late payment on an account with a zero balance.

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL, XXXX Social Security # XXXX
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (TX)

I received an email from the bank on XX/XX/XXXX that there was a temporary restriction on my account, instructing me to call them. I called and was informed that my new account was being closed because I had transferred money to my account via ACH transfer from a third-party account. I explained that I had called before making this deposit and was told this was okay, I didn't know I was violating a policy ; however, if they were closing my account, I needed to know when/how I would receive my deposits back. The representative hung up with no answer. I called back and the next representative tried to help me but did not have any information as to when I would receive the money back. Today ( XX/XX/XXXX ) I called and spoke with another representative who said the account is still under review for closure and they could not tell me when the account would be closed, nor would they provide me with any information regarding the return of my initial deposit of {$50.00} or the ACH deposit of {$2100.00}. I asked to speak to a supervisor and I was told that this person is my last contact and he hung up on me. I need to have the account closed and the money returned to me promptly. I have not attempted to withdraw any funds from this account since its opening ; however, at this time I do want the funds returned to me immediately. Any assistance you could provide would be greatly appreciated. These funds are the only money I have to pay my bills and buy food or prescriptions. Please advise as to how I should proceed. Thank you so much.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Consumer complaint received 2024-03-22
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: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of 100 % correct. This has damaged me and held me back for some time. Im demanding the CFPB to enforce the deletion and correction of the following items : Hard Inquiry : XXXX XXXX XXXX ( Bank ) Hard Inquiry : XXXX Hard Inquiry : XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc. (KS)

I applied for a credit card for XXXX through Comenity Bank in XX/XX/2020. 2 weeks later they sent me a letter in snail mail to send them copies of my driver license, social security card, and a recent bill. I thought this was very sensitive information to request and so I called to verify and they stated it was correct. I went ahead and mailed this sensitive information priority mail and called every other day to verify they received it because of how highly sensitive this information was. After 3 weeks from the time I mailed these documents, their mailing department put a note on the account stating they finally processed my information. I was told at that time over the phone that my application would be approved. 7 days later I received another letter stating my identity could not be confirmed. I attempted to call and no one from that department would speak to me to give me more information as to what was going on. I sent highly sensitive information and received NO COMMUNICATION except letters thru snail mail which did not provide proper information. The letter only stated if I wanted to contact them back to write them another letter thru snail mail. I do so and yet again I have heard nothing. I called today and now they are stating my application is closed because it is over 30 days which doesn't make any sense since everything has been on THEIR time and NO COMMUNICATION except random snail mail letters. I requested the company if they are not going to follow procedures then I want the hard credit report inquiry to be removed and my sensitive documents to be mailed back to me as they should not keep those records. This company needs to be reviewed on how they are handling applications, documents, and communication with consumers. My application should have never been closed due to identity as if there was any issues them their department should have contacted me with any questions. My address on my license has my previous home that I sold in XXXX ( which shows on my credit report ) and the bill I sent in with the documents showed my current address ( which also shows on my credit report ). This department did not follow proper procedures in researching/comparing my information properly with the selling and purchasing of my homes. No communication or followup on this process is a failure on their business.
Consumer complaint received 2020-03-09
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: EQUIFAX, INC. (CA)

Upon Review my credit files, it showed a Collection from XXXX XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

It is showing on all 3 credit bureaus ( XXXX, XXXX   and XXXX ) that I was 30 days late 2 times and 60 days late 1 time. I have never been late. I have always been on time. It is my belief that they are reporting the wrong information to my credit report in which it is hurting my credit score. I request that this information be corrected to reflect current for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.