davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (AZ)

On XX/XX/2022, I filed Complaint # XXXX with the CFPB, against Discover. When I finally received a response from the company, XXXX XXXX, from the Executive Office of Customer Advocacy gave only a very general final response to my dispute, and obviously did not actually conduct an investigation on the matter. It was evident that he didn't take the necessary time, or steps to review the documents enclosed in the dispute proving what correspondence took place regarding my issue, and how I was consistently given misleading and conflicting information by his company 's agents, as well as the written terms & conditions he provided! Also, I enclosed the copy of the Cardmember Agreement that I received with my card in the mail, and it clearly states the following ; " ACCEPTANCE OF AGREEMENT : You accept this Agreement if you do not cancel your Account within 30 days after receiving a Card. '' I DID in fact cancel the account well within the 30 days time frame, and that verifies that I did NOT accept the Cardmember Agreement, I also had enclosed evidence proving that I had called and chatted numerous times requesting the pending Balance Transfer be cancelled while it was still in a " pending '' status. XXXX XXXX claims he has no record of these conversations, but I had also enclosed evidence proving otherwise. 
The company did not complete any type of investigation regarding my dispute, which is evident in how their final response read. They also were legally responsible to provide me with details of how they conducted an investigation, but completely failed to do so. They overlooked and ignored documented evidence that I provided, and how they mishandled my dispute, is totally unacceptable! At the time that I received their final response, that closed my dispute filed with the CFPB, and basically put it in a " settled '' status, when indeed it has not been settled.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (IL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If they do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


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
Consumer complaint received 2022-08-16
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. (LA)

I am a natural person, I am a living human, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have/are violating my rights on numerous times continuously. I demand the accounts listed below be removed because : According to 15 USC 1681 : I have the right to privacy and I did NOT give Equifax written permission to furnish these accounts : ACCOUNTS : ACCOUNT XXXX XXXX ( XXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX  ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXX XXXX ) Account Number : # # # # # XXXX ACCOUNT XXXX XXXX ( XXXXXXXX XXXX ) Account Number : # # # # # XXXX
Consumer complaint received 2023-01-14
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. 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 have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2023-01-14
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. 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 have never been late on payments for the account : XXXX XXXX XXXX : {$230.00}
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (IL)

The following credit item listed on my XXXX, XXXX AND EXPERIAN XXXX file is not being removed after 7 years and is a violation of my consumer rights : XXXX XXXX  - $ XXXX # XXXX
Consumer complaint received 2023-05-12
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I received a credit monitoring alert this morning XX/XX/2023 from XXXX XXXX alerting me to an inquiry made on my credit by Capital One USA Bank NA on XX/XX/2023 at the address XXXX Capital One XXXX XXXX VA, XXXX. I did not make this inquiry. I called XXXX to plan the next steps on how to investigate/remove the inquiry and was told to try and contact the bank or make a complaint to the FTC. I then called Capital One Bank and talked to a representative about the fraudulent inquiry, however they just transferred my call to XXXX, with whom I'd already talked. Later the same day, I received a call from Capital One to confirm/deny a request to open a credit card account at which time I let them know the inquiry was fraudulent and to not open a credit card. They advised me to continue making a complaint with the FTC for documentation on the fraudulent activity.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX  XXXX # XXXX # XXXX # XXXXXXXX XXXX XXXX  acct # XXXX ( closed ) XXXX  XXXX XXXX XXXX ( in forbearance-good standing older loans transferred to this new student loan service company/ older XXXX XXXX acct was paid in full due to this consolidation with XXXX  ). 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

I have a mortgage that was taken out in XX/XX/XXXX ( an 80/20 loan ), due to the issue of the housing, I stopped making the payment. In XXXX, I filled for bankruptcy and the loan for both mortgages were discharged. I understand now that it didn't remove the lien against this house and it is still part of my home. I have been in contact with the lender and requested a payoff statement ( which one has been received, 2nd Mortgage ) however they will not provide one to me as my file was purged and they will not provide me with a release. I am trying to sell my property and this has been holding up the sale. My escrow company has tried to get them to provide what we need and they have been giving me the run around as to what my next step is from them with no assistance.
Consumer complaint received 2023-01-14
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. (GA)

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: Bridgecrest Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written permission and instructions.
Consumer complaint received 2024-02-19
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. (NC)

I am following up on my recent complaint. Once again, I have observed that certain accounts persist. This communication serves as a complaint and a plea for your assistance in expeditiously eradicating these fraudulent accounts from my report. Presented below is the roster of accounts I urge you to expunge : EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1700.00} XXXX XXXX XXXXXXXX Balance Owed : {$79.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$420.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance Owed : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$99.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$340.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$5700.00}
Consumer complaint received 2023-01-14
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: Atlanticus Services Corporation (VA)

I submitted a fraudulent charge affidavit with ASPIRE credit card company and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, XXXX, XXXX and they failed to investigate and remove the negative item from my consumer report.
Consumer complaint received 2023-01-14
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. (VA)

I submitted a fraudulent charge affidavit with XXXX XXXX XXXX XXXX and they failed to address. At the time I had a {$1000.00} credit limit, and they allowed a charge from XXXX in the amount of {$1800.00} and said I need to pay it. The charge was not authorized and at the time the card did not have the credit limit to support the charge. When I submitted a dispute with the XXXX XXXX XXXX 's XXXX, Transunion, XXXX and they failed to investigate and remove the negative item from my consumer report.
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2023-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

My student loan servicer, XXXX XXXX transferred my consolidated loans to Mohela when they became the new servicer. Since then, the reporting to the credit bureaus show me owing 2x the amount I did with XXXX XXXX negatively impacting my credit score and they have failed to apply loans payment credits towards my PSLF. Additionally, they are reporting that I do not have workplace approvals that I submitted last year and had confirmations by XXXX XXXX of my qualifying employers.
Consumer complaint received 2023-05-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hey this is XXXX XXXX my date of birth is XX/XX/1982 and I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureaus failing to respond to my letters. I have been trying to get in contact with Transunion for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I believe that this limitation has been imposed by mistake, as I have not violated any of PayPal 's policies. 

I kindly request that PayPal re-investigate my case and consider restoring my account, if possible. I have always adhered to the terms and conditions outlined by PayPal, and I am confident that a thorough review will confirm my compliance with your policies. 

For reference, the email address associated with my PayPal account is XXXX. I kindly ask you to take this matter seriously and give it the attention it deserves. 

I trust in PayPal 's commitment to fairness and integrity, and I sincerely hope that you will reconsider the decision to permanently limit my account. I believe that by conducting a detailed investigation, you will recognize that this limitation was unwarranted and restore my access to the services provided by PayPal. 

Thank you for your attention to this matter, and I look forward to a positive resolution.
Consumer complaint received 2023-01-14
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. (FL)

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update/correct this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior request, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$760.00}
Consumer complaint received 2023-01-14
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)

I received a letter from XXXX with a XXXX XXXX of XXXX. I have an account with Experian in which I log into regularly and they send updates to my email regularly. I checked my score with Experian the day I received the letter from XXXX and my score was XXXX. This is a significant difference and I am currently working to improve my score and have been for months. I would like this information corrected.
Consumer complaint received 2023-06-13
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: AFNI INC. (SC)

I previously reported identity theft resulting in fraud on XX/XX/XXXX. See Complaint # XXXX XXXX, XXXX, XXXX. One of the fraudulent accounts that had been opened in my name was with XXXX & XXXX for an address in XXXX. All of those accounts were removed from my credit reports. Thereafter, I placed a credit alert with all three major credit reporting agencies. I was supposed to be called should anyone attempt to open any type of credit account in my name. That did not occur. Instead, XXXX XXXX XXXX apparently opened another account with a fraudster in XXXX of XXXX. I learned of this fraudulent account when I received a notice from my credit card provider that my credit score went down due to a collection account being placed on it. I checked my credit report and found XXXX XXXX XXXX had turned over the new fraudulent account to AFNI Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. I filed a dispute of this account with all 3 credit reporting agencies. I contacted AFNI and was told by their representative that the XXXX XXXX XXXX account was associated with an address in XXXX. Neither I, nor any of my family has ever lived in XXXX, nor have we ever been XXXX customers. I informed AFNI 's representative and was told the account was under investigation. AFNI has now sent me a letter requesting I complete a detailed form, and provide them with a copy of my state issued ID, and police report. I have now placed a Credit Freeze with all three credit reporting agencies in hopes this will not occur again. XXXX XXXX XXXX needs to train its employees on how to check with credit reporting agencies before opening new accounts.
Consumer complaint received 2023-01-15
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. (MD)

Equifax is the only company that is reporting my credit score wrong. It's no way that my XXXX  is XXXX, but my equifax is XXXX. I don't know what they are doing, but both of my credit scores were the same and Equifax needs to correct my score and my credit history.