davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (TX)

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.
Consumer complaint received 2021-07-24
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. (LA)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (CA)

I disputed a purchase because the items were received broken which warranted a refund. 27 days later, PayPal responses and informs me I have 2 days to provide proof of the return product. However, there was no accompanied invoice so I had no return address available. It was over the weekend, so I waited until Monday to contact the seller ( XXXX XXXX ) via email. The seller 's response was to keep the product as a good gesture. LoL!. In the meantime, PayPal closed my dispute and said " QUOTE '' Because the investigation into your recent case has been closed you are responsible for the purchase amount, including any interest charges '' " END QUOTE ''. They basically told me this was not their concern. I'm now in the process of attempting to seek a refund through the seller who I initially contacted but was told since I filed a dispute through PayPal ( chargeback ) they ( PayPal ) would be the ones to provide the refund. As noted, PayPal told me to go pound sand!
Consumer complaint received 2022-01-29
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. (TX)

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting a collection account on my credit report from XXXX XXXX XXXX and is reporting an original amount of {$2600.00} this amount is erroneous the right original amount is {$2600.00}. Attach to this dispute I am sending a letter from the original creditor where it shows the original amount to prove my claim.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

On XXXX XXXX, my online banking was suddenly disabled. So when i called to ask why it had been disabled the first person that helped me stated my account had been compromised even though i stated that i am the only person that logged in and that my phone was using a vpn. My option was to request to on a new one the next day or go to a branch and do it. So I called again and spoke to someone else and explained that i am the only one who had logged in and that is was using a vpn and that it happened shortly after i opened the account. So this person was able to unlock my account so that I can use it. So i waited at least 5 mins and I was able to log in on my pc but it failed on my phone. So i called again with the same answer it was compromised. Then i called a fourth time stating that i was able to log in but not on my phone, and then that is where i was informed that my entire account is going to be closed. The only one that was professional was the one that was able to breifly restore my online banking account. The rest were unprofessional. I tried to explain my situation and they were having no of it but the one person. I did nothing wrong my account was wrongly closed because of false assumption that it was compromised.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have sent duplicate letters to Experian requesting for them to provide proof of how they verified a bankruptcy on my credit report. I sent them certfied letters twice and I then reached out to the company by phone to ask why they have not responded and their response was " they don't have to ''. I am reaching out to request help with this issue. experian is reporting a bankruptcy on my credit report and has been refusing to provide information on how they verified this information. This is affecting my ability to move forward in life such as employment and housing. I am providing proof of the letters I have sent as well as the USPS certified receipts. I am humbling asking for help with this issue.
Consumer complaint received 2021-03-10
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. (NY)

My bankruptcy was Dismissed on XXXX XXXX. 
I dispute from Credit Bureau Since Last XXXX XX/XX/2020. 
Every time They Replied '' Verified '' They Verified whom don't tell. 
I did call Supreme Court XXXX New York XXXX XXXX. 
They told me they did not verified because Case was Dismissed Experian Use 3rd Party to verified this account. 
This account must delete from my credit report.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (AZ)

I could not log into the mortgage companies website. It would say loan not recognized. Customer service wait times were in the hours. The company did not contact me. Eventually sent me a letter which i responded immediately and was able to reach a represented who walked me through connecting my Loan and Their website. I pay the back balance. I followed up to ensure my Auto-Pay was setup and my Balance was XXXX. The webpage was confusing but clearly showed a {$0.00} due balance. The associate assured me the balance was {$0.00} and autopay was setup. The following reporting period I received a 30 day late. I called back and was told the balance was due and autopay was not enabled. I paid immediately again and setup autopay again with the rep. 

The companies poor web portal and misinformation caused the 30 day late payment. Not once was I unable or unwilling to make the payment, I simply was UNABLE due to their systems. I explained this politely many times and have been sent all over LOANDEPOTs departments. After filing a complaint I received a call denying my request becuase " the payment was late '', however it was late because of LOANDEPOT. I asked the representative if they listened to the call and she said yes, however she referenced female associate but I was talking to a male associate. She pulled the wrong call. I clearified this and received a half-heart " oh i listened to that too ''.. I do not thing she did. These late report are hurting my ability to refiinance and its LOAN DEPOTS fault. Please remove them
Consumer complaint received 2015-08-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Fulton Friedman & Gullace LLP (PA)

Fulton Freidman & Gullace, LLP have garnished my bank account without notifying me. They have taken everything in my bank account plus thousands more leaving me thousands of dollars negative without money to live off of. Also this is a debt that is almost 10 years old.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NJ)

XXXXRAYMOUR & FLANIG account number XXXX This account is not my account I have already applied for a dispute, but it has not been accepted. 

It was also XX/XX/2020 that I first recognized. The first dispute is XX/XX/2020 Currently, I filed a dispute with XXXX XXXX.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/2022, I attempted to deposit a personal check I received in the amount of {$2500.00} On XX/XX/2022, I was notified by USAA the check had been returned for insufficient funds and was assessed a returned check fee of {$5.00} Upon being notified by the drafter that funds had been moved to cover the check, I attempted to redeposit/present the check via the USAA mobile app. The app advised me that the check had already been deposited and could not be deposited " again '' via the mobile app. 

On XX/XX/2022, I spoke with a USAA representative regarding re-depositing the check. The representative assured me that, I was able to re-deposit the original check. Although the mobile app wouldn't allow it. I went to a USAA ATM machine in XXXX XXXXXXXX to redeposit the check. I would NOT have done this but for the advice of the USAA representative saying this was allowed. 

On XX/XX/2022, I received notice on the USAA website my deposit was being disallowed as a " duplicate deposit '' I have carefully reviewed the terms and conditions of the USAA Checking/Savings agreement. Nowhere does it say that a previously returned check can not be presented a second time ( merchants do this all the time ). 

I also am no longer in possession of the check. Had I known USAA would not allow the check to be presented a second time, I would have either asked the drafter to write another or go to another bank. I relied on the USAA associate 's guidance to my detriment. 

I understand the USAA business model is one which is highly risk-averse... even to the detriment of its members. I accept that. However, I have no history of misuse of my deposit accounts. Its been 11 years since I last even bounced a check. I think I'm entitled to the benefit of the doubt to have the check in question presented again for payment. 

I also spent a significant amount of time on hold on XX/XX/XXXX and was told there were no managers or specialists available to assist me.
Consumer complaint received 2016-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC (TN)

I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.
Consumer complaint received 2022-12-04
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 have requested that TransUnion investigate XXXX account number XXXX XXXX XXXX XXXX on several occasions in during the year XXXX and XXXX. In the year XXXX alone, Ive made requests XXXX, XXXX and XXXX. TransUnion has responded to my letters stating that they have done an investigation each time. 

I have provided snapshots from my FICO to show that the XXXX has not been updated show the account was investigated and it is being reported inconsistently. 

In accordance with the Fair Credit Reporting Act XXXX account number 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-30
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. (IL)

I have unpaid Bills and A judgement that has nothing to do with me I have court papers saying I couldnt even go near XXXX XXXX XXXX XXXX XXXX IL. And bills are in my name there and a judgement was sumbmitted. On or About XX/XX/2019 and I have court papers saying I couldnt come there Me and my aunt have the same first and last name different middle Initals. I moved and never had an eviction I wasnt even the lease holder
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. 

During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. 

Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.
Consumer complaint received 2017-08-24
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: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!
Consumer complaint received 2022-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (NC)

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). Sequium Asset Solutions are in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX / XXXX / {$0.00} XXXX  XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-08-17
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)

I ordered a copy of my report in XXXX XXXX XXXXnd I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not replied to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX  XXXX XXXX Balance : {$8600.00} XXXX XXXX  XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (MI)

XX/XX/XXXX I Contacted the following creditors by letters to dispute charges that were not mine, and I had no knowledge of them nor any verification. I asked for the debt to be removed. So far after the 30 days, XX/XX/XXXX I have not received any letters of verification from the following creditors and have sent another letter requesting for proper verification. The company 's have ignored my request. XXXX XXXX, sent a letter, however it was a letter stating I owe them and no verification on why. Each creditor has updated their information on my credit but all failed to send verification of why debt is owed. These collections are stopping me from buying a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection : {$680.00} XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX Collection {$220.00} XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, WA XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$520.00}