davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I legally had to change my name due to mixed accounts and identity theft and despite me sending in proof of my identity and resolving this issues the credit agency has locked me out of access to my credit report via hard copy and online. They refuse to update false information on my credit report and do not acknowledge the proof of my identity sent in vial the mail or uploaded online. This has affected my life, health, opportunity, finances and livelihood for 6 years and counting and still I am disputing and begging them to correct their error despite it being over 6 years of 30 days past the time they should have resolved this issue and yet here I am 6 years later still begging for the law to be abided by so I can have my life back. I have suffered significantly while these companies receive monetary gains by allowing false information to remain on my report in addition to keep ing me locked out and unable to resolve any issues that are hindering my financial growth and creditability. I have paid more than they will ever imagine and now I want to file a law suit because this is not being resolved the way it should have been 6 years ago. I have suffered higher interest rates, lost business opportunities and many other opportunities not to mention the embarrassment of seeming to be noncredit worthy and irresponsible due to their negligence while they gain financially from this discrimination, false reporting and profiling knowing that I have submitted the proof from them to correct my account and put it back in good standing. I have been impacted by the Equifax security breach and can not even take advantage of the extra credit monitoring protection measures due to this inability to access my credit profile for this company or dispute, view or upload anything online. They show a credit score that is supposed to be mine from XXXX and yet the date I am logging is is showing XXXX, this is unacceptable and very illegal. I have yet to receive even a hard copy of my report per my request.
Consumer complaint received 2023-01-16
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. (PR)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I graduated from underdrad and was only making {$14000.00} a year and could n't afford my payments. I went back and got my XXXX XXXX so I could make more money, only due to an ill child, I could not work or find work to accommodate my schedule with my child. I was told that I had to stay on forbearance and my interest kept building. I am now at over {$170000.00} in debt. I will never make that much. I 'm a social worker-not a doctor. My forbarrance is over and I 'm in a bind. I have asked about small payments-they want me to now pay {$1600.00} a month-I can not afford that-they are calling me day and night. I have an ill child and am caring for my XXXX old dad. They do n't care.
Consumer complaint received 2023-01-16
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. (PR)

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 XXXX XXXX XXXX. 
Account name : XXXX XXXX # XXXX, XXXX # XXXX, Midlan Funding # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX, XXXX XXXX de XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX, Experian XXXX XXXX is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL BANKRUPTCY reported was fraud. 

Bankruptcy : XXXX XXXX Filed on XX/XX/2019 Reference XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX will be filing form 211 Treasury OMB firms to audit consumer account. XXXX us securitizing consumers data yet refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PENTAGON FEDERAL CREDIT UNION (PR)

Dear CFPB Representative, On XX/XX/2023, I received a letter in the mail from Pentagon Federal Credit Union ( PenFed Credit Union ) with a pre-approved Credit Card offer with 15 months of 0 % interest for balance transfer. I decided to apply for this offer and fill out the information and file online. My member number with PenFed Credit Union is # XXXX. 

My XXXX XXXX is over XXXX which is considered very good or excellent credit. However, despite being pre-approved with an excellent credit history, PenFed Credit Union denied my application, alleging bad credit experience, occurrence of severe derogatory event and Insufficient credit history. All of these allegations from PenFed Credit Union are totally false. I have an excellent credit history and NEVER had a derogatory event on my credit score. I consider this a XXXX act on the part of PenFed Credit Union. 

Furthermore, in my PenFed Credit Union account appear with double application, which affects my credit score. 

I request a complete investigation of this XXXX act and the removal of the double application from my credit history. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (PR)

Ive been an AMEX customer almost for XXXX years. Always paid on time, never lage and even have pay off. They never offered me or approved a line increase. However, they approved me a transaction today they overdrafted my card for {$1000.00}. Isnt best that I get at least an increase of {$5000.00} and I dont get the overdraft message or a mark on my credit score? This doesnt even make sense. They prefer I get overdrafted instead of approving me a line increase.
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Multiple dates and times since Ive opened the account with Wells Fargo. Ive turned my atm card off to prevent it being used and the bank still allowed payment to go through and charged me an overdraft fee multiple times.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (PR)

This is the continuing of a closed complaint with no resolution. CFPB does nothing for the consumer but I wanr people to see that this bank and CFPB its not pro consumer. 

Today is Saturday, XX/XX/XXXX and nothing has changed after XXXX days of this issue. I dont have my debit card and my requested compensation ( that my lawyer will take care of that ). I only receive the letter that Ive been submitting to my creditors. A job that they shouldve done because its their fault but now Im stuck losing my time thanks to them. 

Ive had to borrow money to go to my doctors visits and do my errands as I still have no access to my money.
Consumer complaint received 2022-10-28
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. (CA)

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

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX - Account # : XXXX XXXXXXXX XXXX  - Account # : XXXX I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking # : XXXX To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking # : XXXX
Consumer complaint received 2023-01-13
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. (PR)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX 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 2022-10-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-30
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (CA)

PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. 

After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so.
Consumer complaint received 2023-01-13
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. (PR)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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. (PR)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items will be corrected right away : XXXX XXXX XXXX XXXX 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 2023-01-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rodriguez Fernandez Law Offices, LLC (PR)

Greetings a Law Firm by the name of Rodriguez Fernandez Law Offices , LLC address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is wanting to collect money from this accounts XXXX XXXX XXXX amount {$2100.00} account from XXXX they Acquired the account on many years ago the account is XXXX XXXX XXXX, the person that called had an inappropriate tone of voice, tried to intimidate me with a court date that we had many years ago, when I explained the time that has passed, she wanted me to make a payment and mention different ways I should be making the payment. I need CFPB to please contact this company and informed them why the cant charge me for this old accounts. Also, I don't want the company to continue calling me for an account is That is more than XXXX XXXX XXXX, Thank you XXXX XXXX XXXX XXXX XXXX Las time I file a complained was on XX/XX/2022 and they responded with this nonsense. 
Company 's Response This claims do not proceed. All accounts are payable. Within statue of limitations and with a valid judgment.
Consumer complaint received 2022-10-28
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. (AL)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.