davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (MI)

I don't have the exact dates as I have recently received a new job, and I sent the fax through my old work email. But, I have sent a request to have late payments removed from my XXXX  XXXX   account because they should not be on my account. XXXX XXXX and myself had my loans in deferment from XXXX XXXX, and from XXXX XXXX. If my loan was listed as in deferment for that period of time, then I shouldn't have any late payments on my account. This is severally affecting my credit score, and right now I am trying to get a new home but I am not able to because my credit score is slightly too low. I have already filed a dispute with XXXX  and XXXX ( I am waiting on XXXX  because I have to create an account with that bureau ). The dispute with XXXX has come back as finding my dates accurate from XXXX, but non of the late payments were addressed. I am aware that XXXX XXXX makes money off of late payments, which is why I am sure they are reluctant to switch this around, but this is really affecting my chances of getting a home. Also, I am sure, beyond a shadow of a doubt, that this has to be affecting multiple people and, unfortunately I can not report this to the XXXX XXXX XXXX because it is for a federal student loan. If there is anything the CFPB can do, I would greatly appreciate it. If you can actually do anything I will gladly find any and all documents you need, however, I do not want to waste my time if there isn't anything that can be done.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and charge off. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Inquiries : 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 2021-06-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-12-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX : Contacted Navient to discuss repayment options as my loans were coming out of in-school deferment. I agreed to repayment option for federal loans and the agent encouraged me to put my private loan in forbearance by paying {$50.00}. This would put my loan in forbearance for 3 months. {$50.00} was paid. Later that day, I received an email saying my forbearance was granted. 

XX/XX/XXXX : Logged onto navient.com to pay what was due on federal loan. Federal loan is now stating that I am on in-school deferment until XXXX?? Also, private loan is stating I am on in-school deferment until XX/XX/XXXX. After reviewing my account, my {$50.00} payment was listed as being paid on XX/XX/XXXX - I had no contact with them at that time. I have proof of payment from my back on XX/XX/XXXX. Also, my {$50.00} was applied to the principal on one of my loans ( which one I couldn't tell you ) by Navient on XX/XX/XXXX. I was also informed on today 's phone call that Navient is claiming I have {$51.00} in late fees from XXXX, that they are now saying I owe ( first time I am hearing of them ). My forbearance is no where to be found on my account and customer service rep claims it was an error in their back office. I have pictures and plenty of proof that they do illegal things. Also, I feel that I have been a victim of Sallie Mae/Navient deceptive practices regarding forbearances and deferments. I need my account corrected and resolved.
Consumer complaint received 2018-12-12
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)

According to my recent credit report request from XXXX, Transunion, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.
VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Account # XXXX Reported to XXXX, TRANSUNION, XXXX, PROFIT AND LOSS WRITEOFF ( AUTO LOAN ) XXXX XXXX Account # XXXX Being Reported to XXXX, TRANSUNION, XXXX CHARGED OFF ACCOUNT BAD DEBT XXXX  Account # XXXX Being Reported to TRANSUNION, XXXX ( ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, ) XXXX Account # XXXX Being Reported to XXXX, and TRANSUNION ( CHARGE ACCOUNT ) XXXX/XXXX  Account # XXXX Being Reported To XXXX, and TRANSUNION ( CLOSED OR PAID ACCOUNT/XXXX  BALANCE INSTALLMENT SALES CONTRACT ) XXXX XXXX XXXX/XXXX XXXX Being Reported To XXXX ( INACTIVE ACCOUNT REVOLVING CHARGE ACCOUNT ) XXXX Account Number # XXXX Being Reported To XXXX  ( FLEXIBLE SPENDING CREDIT CARD ) XXXX   XXXX Account # XXXX Being Reported To TRANSUNION ( STUDENT LOAN ) XXXX XXXX Account # XXXX Being Reported on TRANSUNION ( PLACED FOR COLLECTION )
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.
Consumer complaint received 2022-11-30
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-09
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: BARCLAYS BANK DELAWARE (MO)

I have a hard inquiry through Barclays Bank in Delaware on XX/XX/2021 but I have never even heard of Barclays Bank nor I have I been to Delaware!
Consumer complaint received 2022-07-21
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. (MO)

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 states a consumer reporting agency can not furnish without my written consent 15 USC 1681 a. Defintion rules of construction ( XXXX ) Exclusions.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Late payments are illegal XXXX XXXX reporting late payments XXXX XXXX late payments
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IN)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/2022 - I had sent my complaint letter to CITIZENS FINANCIAL GROUP , INC., in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX  XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CITIZENS FINANCIAL GROUP , INC. account to fraudulent investment firm ( s ).
Consumer complaint received 2022-06-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On Friday XX/XX/2022 I received a Capital One debit card via mail. 

I called Capital One and asked how the checking account was opened and when. 
They did not know. 

I asked to close this account as I did not open the account.
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (VA)

I have a debt collection submitted on my credit report by AVANTE USA, that should not be in collections or submitted to my credit report because it was a medical bill that was covered by my insurance in which I have had for years and still have. I can provide my insurance information and the visit information if needed. I would like it removed. I also did not receive anything in the mail about this debt collection, and have not heard anything in regards to a dispute
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (NY)

Under law 15 U.S.C 1681B A 2 Without my written constructions to furnish the account on my report they can not have this account reporting to my credit report.

15 U.S.C 1681 4 I have the right to privacy i want nothing furnished on my credit report without my written consent. 

Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (MO)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 


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 2022-11-30
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. (TN)

I have recently checked my credit report and noticed there are numerous errors regarding XXXX XXXX XXXX. I see that the last active dates are different. Dates of last payment are different. On my XXXX report it has been reporting C/O and on my Equifax the payment history doesn't match. From my understanding under the FCRA all info on my credit report must be 100 % accurate. There are 2 accounts that are reporting the same mistakes. I have not received a 1099-c regarding the charge off for both of these accounts neither. Dispute letters have been sent and nothing has been resolved to fix this.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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.

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 2022-10-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

My original lender sold my mortgage to Lakeview Mortgage company over a year ago. I paid my first years XXXX years escrow no problem. Then the servicer for lakeview, XXXX servicer, sent a letter back in XX/XX/2022 informing me that my escrow balance was too low and requiring my payments increase from XXXX monthly to XXXX monthly. I was upset so i called and had a long conversation where they explained to me what happened. They told me that this change was only for XXXX months and to make up for a mistake on their end and that my home owners went up slightly. However, they were convinced that, after XX/XX/2022, i could resume my original payment. However, in XXXX, ironically, they changed service providers again, moving to XXXX XXXX servicer. Now they are telling me that very little came over from XXXX in my escrow. Now XXXX XXXX is telling me that i am projected to owe over {$400.00} in escrow at the end of the year. I need someone to help me find out where my money went and why this keeps happening. Please.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I obtained a new car loan from Bank of America ( BOA ) with terms of ACH bimonthly payments of {$500.00} for the term of the loan. In XX/XX/XXXX, I requested the payoff balance for the loan and duly liquidated the loan for the amount required. 

In XXXX I observed that an ACH payment had been made on the closed loan and requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I attempted to terminate the scheduled loan payments from my bank and subsequently found I failed in that endeavor. 

A second ACH payment was made on the closed loan and I requested reimbursement from BOA. BOA reimbursed me with their check # XXXX dated XX/XX/XXXX. I contacted my bank who assured me that ACH payments to BOA were terminated but one last payment gad been debited from my account. 

On or about XX/XX/XXXX I contacted BOA and was informed the reimbursement would be made in the coming days. After approximately on e week, I contacted BOA and informed them of the reimbursement non-receipt. BOA informed me that a mistake had been made and the reimbursement had not been dispatched but would be dispatched XX/XX/XXXX arriving in one week. 

BOA has failed in its duty to make timely return of my over payment, a fault wholly of its own making.
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

See Attachment A from previous CFPB Complaint. 

USAA Closed Credit Card Account ( Stated that it wasn't reported to Credit Bureau 's ) However it was report to Credit Bureau 's per Attachment B & dropped my Credit Scores & negatively impacted my Credit History " Age Length ''
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NY)

I recently opened an account with TD bank and would like to notify your agency of what i believe to be a malicious and financially crippling process TD has instituted on its consumers unlike any other bank Ive experienced. TD now has a rule that they will accept pending transactions not manually processed at any point in day monday to Sunday but will not credit deposits in the same manner causing SIGNIFICANT overdrafts to customers even if funds are directed on the same business day. As a business owner sometime i have unexpected expenses that hit the account but will immediately transfer or post a deposit to resolve but TD will hit me with a {$35.00} fee even if funds are resolved that day setting off over drafts of multiple items after by setting priority to debits and not credits. In 60 days i have endured {$490.00} in fees that are completely unaffordable and can only imagine the hardship this causes for other individuals with not as much income as me. Im just paying TD to do what any normal bank does at close of business. This is absolutely malicious and unbelievable actions by a bank. My understanding is this process is new. Please assist, i cant afford to continue on like this.