davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit reporting act XXXX account XXXX  XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit reporting act XXXX account XXXX XXXX # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX NEW YORK docket # XXXX, has violated my rights In accordance with the fair credit reporting act XXXX account DEPT OF ED/ XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have rights 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.
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX helped me do my unemployment papers online where she got my information stole it And locked me out of my edd account then she has taken the money out of thebank of America and has reapplied and is fixing to receive more benefits I have been trying for 6 months to close the accounts and can not no one will help me or even believe me the bank of America will not stop issuing a card to her at an address that is not mine and I can not even file a claim on the money she stole
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

The creditor XXXX was unable to proof the original contract with my signature on it, after sending a debt validation letter on XX/XX/2022 After they have reported 2 account on my records, and stated to dispute to the credit companies. As of today XXXX has failed to dispute to all 3 credit bureaus, after their response on XXXX/XXXXXXXX 
violation 15USC 1681s2 responsibilities of furnisher of information to consumer reporting agencies. 
Account # XXXX {$140.00} {$560.00}
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2021-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : IR/NAF Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (NJ)

I recently reviewed my credit file and unfortunately found that some of my personal information were reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following personal information from my credit file within the next 15 days. 

Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (NC)

This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. Which XXXX  claims that's where the loan was disbursed to. I have included my Identity theft report as requested by Equifax on XX/XX/22.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CO)

I spoke to XXXX on in XXXX to settle the debt. I agreed to draft {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX and my notes indicate {$68.00} on XX/XX/XXXX. On XX/XX/XXXX {$100.00} was drafted, on XX/XX/XXXX {$100.00} was drafted, and on XX/XX/XXXX {$170.00} was drafted. The original debt was {$360.00}. I agreed that I might of misheard the {$68.00}. I typically keep owed debit payments below {$100.00}. I agree the agreed upon may have been {$160.00}, however I did not agree upon {$170.00}. XXXX denied my claims and the manager denies the claim even though my notes indicate otherwise. 

The statement that the payment over drafted my account was completely inaccurate. My account was never over drafted and I never indicated that it over drafted my account. The reason for submitting my complaint is the false information this company gave and the continued false information they are providing. I verified the amount for the final payment however this company refuses to verify that XXXX confirmed the exact amount that would be pulled from my account. I will keep escalating this matter until they provide proof of this conversation that took place. All I am asking for is to listen to the conversation to confirm what was said.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my fourth 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}.
Consumer complaint received 2022-05-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (AL)

I was enrolled in the Covid-relief program with my credit card provider Discover and the program ended, I was not fully back at work and would like my payments not reflecting late or delinquent on my credit report based on the The Recovery plan. I would like my credit report to reflect that I was on the covid relief program with this company. I called to ask them for a goodwill gesture to remove the negative reporting due to Covid and not being able to work they denied the gesture and letter stating the information reported is not invalid, I do understand that I am asking the account if not removed show up on my credit report as late due to covid. I am in the market of XXXX XXXX  and it is important for me to have good credit to obtain loans to work to pay bills. I do not understand why this creditors refused to report my credit under the recovery act as late due to Covid Pandemic. I ask that this account be removed as late and under the American Rescue Plan Act. Discover is billion- dollar company that I would hope honors their clients who have suffered so much loss during the pandemic but they would not help me and I need the help to continue working.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To whom it may concern : We are requesting guidance in our efforts to lower our monthly payment in our Direct Unsubsidized Consolidation Loans. We began in XXXX -- well in advance of the government resuming collection in XX/XX/XXXX -- by contacting StudentAid.gov and Fedloan Servicing.

During several phone conversations, we received conflicting information, loan officers made inaccurate statements about our income, and at points, we were given estimates for repayment plans that we could afford, only to have those double, and, in some cases, triple, once the application was processed. It felt like a proverbial bait and switch. 
In early XXXX, we wrote to the Ombudsman office explaining our situation, hoping they could help. But again, through a series of very confusing emails, XXXX, our FedLoan customer service representative, has effectively made our situation worse than when we started. We are at our wits end and dont know where to turn. 
Our correspondence with the Ombudsman office is attached. 
We are married couple in our sixties my wife is XXXX-years-old and retired and I am XXXXyears-old and hoping to retire in a few years. We took out the loans to pay for room and board for our XXXX daughters who graduated from the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They are paying back student loans as well. 
We have been paying back our XXXX XXXX XXXX faithfully since XXXX. We are not asking for special treatment ; we do not shirk from our responsibilities. 
Because my wifes income has been reduced over the past few years and too, because I am fast approaching my own retirement, we are seeking to reduce our monthly payment. Instead, FedLoan has punished us for our efforts, increasing our monthly payment in instead of lowering it. XXXX told us we could not revert to our original monthly payment of {$1300.00} even I we wanted to. We would have been better off had we never asked them for relief. 
We are trying to do the right thing but the FedLoan response has been arbitrary and punitive. We do not know where to go from here. 
Whatever assistance or guidance you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-21
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. (AR)

When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (RI)

Credit Inquiries on my credit report JPMCB Auto Finance XX/XX/2021 XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-05-20
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mr. Cooper Group Inc. (NY)

My original mortgage was taken out on XX/XX/XXXX. I made regular on time payments each month. The financial institution was XXXX XXXX. During XXXX of XXXX, XXXX XXXX sold my mortgage to Mr. Cooper, the company that is now my current loan servicer. As a result of this transaction, to which I was not made aware of nor gave any consent this impacted my credit score significantly XXXX XXXX points in XX/XX/XXXX. I do not believe that this should reflect on my credit report as a brand new loan and thus reducing my score XXXX XXXX points because behind the scenes it was decided to sell or transfer my mortgage to another servicing provider with different terms than the provider I originally went with. I would like this to be removed from my report.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Dynamic Recovery Solutions, LLC (FL)

on XX/XX/2022 i file a dispute with DYNAMIC RECOVERY SOLUTIONS several times actually because this account is not mines and it wasn't me who open this account. Member denied all my disputes i filed. I also called them to explained to them that my identity was stolen and several different accounts was open with my name and they told me i would still have to pay this debt.
Consumer complaint received 2023-06-27
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. (NY)

On XX/XX/ I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XXXX  I contacted XXXXXXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX XXXX XXXX XXXX. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Consumer complaint received 2021-11-16
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: STERLING JEWELERS, INC. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Consumer complaint received 2021-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2024-02-16
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$580.00}.
Consumer complaint received 2022-05-20
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. (FL)

I have already made several attempts to repair inaccurate information that is negatively worsening my credit but have received no response to my request that it be REMOVED THE FOLLOWING ACCOUNTS ARE IN COLLECTION BUT APPEAR OPEN AND XXXX, XXXX AND TRANSUNION ARE SUPPOSED TO REPORT INFORMATION CORRECTLY XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX In addition to the accounts I have already mentioned, I have many more errors in other accounts, which you will find in the letters that are attached to this complaint. 
I want my report to be carefully reviewed so that the accounts that are being reported incorrectly are eliminated
Consumer complaint received 2022-04-11
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, XXXX 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 instructions.
Consumer complaint received 2019-11-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (AE)

On XX/XX/2019, Capital One deposited and then reversed a check that I mailed to them. I had send two checks, one for {$88.00} and another for {$220.00}. The {$220.00} check is in dispute. My wife and I received a tax refund from Virginia State, and it was addressed to both of us. Both of us signed the check, and then I mailed it to Capital One. On XXXX XXXX, Capital One deposited the check, and then reversed the check. When I chatted with 'John ' on XXXX XXXX, I asked what the status was. He informed me that they won't deposit the check, as we don't have a joint bank account. However, based on what I can find and per prior practices, they will deposit the check as long as both parties sign the check. They are being discriminatory in refusing the deposit. Additionally, they are not returning the original check, but are only sending a copy. I have told them that they stole my fing check and aren't returning it. I asked multiple times, and they have failed to provide a written policy on why they did this. I have not received the check back. I believe they are discriminating against us, as they could not provide a written policy to back their actions.