davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

I am writting thid due to non-comliance with the CRA [ XXXX  ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Consumer complaint received 2018-08-13
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. (LA)

XXXX XXXX placed three hard pulls on my credit report in a two day period ( two on XX/XX/18 and once again on XX/XX/18 ). Three hard pulls were not authorized. This is excessive and unnecessary
Consumer complaint received 2022-03-09
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

I had a Capitol One checking and credit card account. I had a dispute that was resolved in my favor and paid the balance of my account before closing it ( I even paid about {$100.00} extra to cover any late costs and interest. Later, unbeknownst to me, Capitol One reinstated the disputed charge while I was in the hospital. They even, again, unknown to me, gave negative information to the credit bureaus. My credit score has dropped from XXXX to under XXXX. I launched a dispute with both Capitol One and the credit bureaus and Capitol One has even aggravated the matter by telling the agencies that the charges were written off. Whereas before I would get pre-approved credit card offerings, I now get offers with 35.90 % APR. To add insult to injury, Capitol One owes me money as they never refunded the balance when I overpaid in settling and closing my account. Capitol One has overgone a perfidious change in its operations. Before, if a customer had a dispute, he could be sure that it would be resolved fairly. Now Capitol One automatically sides with the merchant. I purchased a computer on Cyber Monday that stopped working the next day. I sent it back and notified Capitol One. Two months later the money had not been credited back into my account. The reason : Capitol One stated that the merchant received the computer back in excellent condition, but I neglected to send it in the RIGHT box ; thus they had to decide in favor of the merchant. After nearly three months my money was refunded. There is another example that cost me {$3500.00} that Capitol One sided with the merchant after siding with me in a book publishing contract that the publisher woefully violated the terms of the agreement. The reason : We don't understand a term in the contract.
Consumer complaint received 2018-08-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Started A Investigation Through XXXX XXXXXXXX And Was Not Notified Of Completed Investigation And Was Told By A Transunion Representative that the investigation is still on going and that was at the thirty day mark now its 60 days in and still no update
Consumer complaint received 2018-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This business is reporting on my XXXX credit report for a debt that is NOT mine! I have sent them validation letters and they continue to report. XXXX XXXX will NOT verify the debt and keeps using XXXX XXXX which is NOT a proper form of Verification. This debt is NOT mine and i wish to remove them off of my XXXX XXXX report, they will not respond to my validation 609 letters either! 
Name of business ACCT # XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (AR)

My direct express card was locked on XX/XX/2022. I contact direct express several times between XX/XX/XXXX & XXXX XXXX XXXX I even contact the social security office like instructed on Monday XX/XX/XXXX at XXXX to update my phone number & email like told, at that point I was told it would only take up to XXXX hours to get my information updated & my card would be unlocked but when I called direct express once again on Tuesday XX/XX/XXXX at XXXX I told once again my information had not been updated & I was told that I could email them a copy of my ID to verify my identity which when I finally got an email to go Thur to them at around XXXX on XX/XX/XXXX they replied back they still could not verify my identity & to once again contact the social security office XXXX In the mean time me & my family have had to do without food & household supplies & if my card doesn't get unlocked by XXXX today XX/XX/XXXX our water will be shut off in the morning. I am need of help fixing this problem as quick as possible
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

On XX/XX/XXXX I consolidated 26 federal loans into one loan. The amount of the loans totals {$290000.00}. I have applied for Public Service Loan Forgiveness ( PSLF ). I have worked in public service since XXXX and have provided employee certification. Prior to consolidation I had 24 months credited for PSLF under the Cares Act waiver since XX/XX/XXXX. I have been waiting for review of my loans that are from XXXX for the recently announced waiver since XX/XX/XXXX. I spoke with a Fed Loan representative in XX/XX/XXXX and they went through various inaccuracies on my loan accounts ( in-school deferments not accurate and prior payments not being counted ). Fed Loan stated that they would submit to Department of Education for a manual review but it could take months. 
In XXXX of XXXX I decided to consolidate my loans so that I could get the highest payment counts once the waiver was applied. The consolidation went through fine. I then however, received the attached letter indicating my account had been reviewed under the waiver and now I only have 2 months! I inquired about this error and received a confirmation letter ( attached ) that is was accurate. 
I absolutely know that this is an incorrect count. My loans have not been processed under the waiver or there is something terribly wrong. These types of communications cause extreme anxiety and stress and I do not know what other options I have to get this corrected since Fed Loan is indicating that it is correct. I can not get anyone to respond via emails and social media direct messages. They do not answer their phone for hours so that is not realistically an option. 
I am just looking to have accurate communication. I realize applying the waiver takes time and I fully anticipate once it is applied there will still be inaccuracies that I will need to address but these types of communications are irresponsible at best. 
Thank you for your assistance on behalf of myself and all XXXX XXXX borrowers.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Knight Adjustment Bureau (UT)

located at : Knight Adjustment Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX or XXXX Fax XXXX Email sales@knightadj.com Knight Adjustment Bureau has engaged in very threatful phone conversation between XX/XX/XXXX to XX/XX/XXXX. Ask them for the phone recording, please.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MI)

Dear Sir, I have been observing in my XXXX XXXX report that XXXX   XXXX/XXXX  reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX  balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX  credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

Account Numbers XXXX XXXX On XX/XX/XXXX Wells Fargo Closed both of my Secured Business Credit Cards. Which I have a collective deposit of {$50000.00} held by Wells Fargo. I also don't know why they closed both accounts and they will not tell me why they closed both accounts apparently my checking account is going to close n the XXXX of XXXX. 

I was never late and I never went over my limit infact I spent over {$100000.00} some months and never carried a balance. So the account was not closed due to performance. 

I have received several pieces of mail from Wells Fargo. In the form of letters telling me my account is closed. I got a statement saying my account is closed and a response to a letter that I wrote. 

However, I have not received a check for my {$50000.00} nor any guidance on when that is going to happen. There was no balance on the account when they closed them in fact I overpaid and should be getting {$50000.00} back to be factual. 

I have called and no one can tell me when I am getting my {$50000.00} back. 

So I am in limbo I want my {$50000.00} back because we are going on two weeks and I feel once again when I check my mail today there will be no check for {$50000.00}. They don't seem to be in urgency in getting my money back to me. 

At the moment I don't care why they closed my accounts. I do care about getting my {$50000.00} back as soon as possible. So anything that the CFPB can do to hurry this process along I will be very grateful. 

{$50000.00} is a lot of money to have just floating about with no indication of when I am getting my money. 


Regards XXXX XXXX XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-03-09
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. (FL)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2018-08-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (IL)

XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct. 

At no time has the organization sent any supporting documentation proving this reporting. 

Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have just recent applied for credit and was told I had a negative collection on my credit report, since I just turn XXXX in XX/XX/2018 I have had not credit or collection prior to this, so I am disputing this collection account, I will be requesting that the collection agency supply to me a signed contract by my to pay any bill, I will also fall back on FCRA that clearly state that a minor cant be held liable for any debt, even after turning XXXX, I wont state the statue cause collection company should know these laws, so if you don't have a contract signed by me after XX/XX/2018 then there is no debt, I will proceed to file in court and sue for hurting my credit before im even legal to establish it,
Consumer complaint received 2023-07-04
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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: Winklevoss Exchange LLC (NY)

In accordance with the fair credit reporting act this creditor : Gemini Trust LLC has violated my rights under 15 US C 1681 section 602 I have the right to privacy under 15 US C 1681 section 604A section 2 it states a consumer reporting agency can not furnish an account without my written instruction under 15 US C1666 b it states a Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-07-09
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX / XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX / # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

Barclays Bank fails to make a reasonable number of recent past paperless credit card statements available online. As of XX/XX/XXXX it is only possible to access paperless statements back through XX/XX/XXXX. It is not possible to access XXXX through XXXX statements of XXXX. 

XXXX calls to customer service on XX/XX/XXXX and XX/XX/XXXX confirm that agents are unable to access any earlier statements than what the customer is able to access online. 

The customer portal for the account falsely states that older statements can be ordered by calling and speaking to a representative. Neither representative I spoke to is in fact able to order past statements. Here is the exact wording found in the statements section of the customer online portal : " Order statements If you would like a copy of your previous statements, you can print statements free of charge from this website, or to order a copy of a previous statement, call Customer Service at XXXX. 

Please be ready to tell us the account number for which you want the statement copy and the date of the statement ( XXXX ) needed. ''
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

I sent identity theft letter along with documentation on XX/XX/XXXX to start the fraud investigation. Everything got deleted from my account except 1 thing and thats with XXXX XXXX XXXX and they response was to call them. This dispute process was not handled correctly. If i provided documentation, why are they asking for more.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

FedLoan continues to send me letters that state they have applied all payments including the PSLF waiver, when they have not. This process continues to be frustrating, stressful, and all together a huge letdown.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MI)

Dear Sir, There are several Citi Bank Credits information is being updated in my credit, which have been closed months ago. When Credit cards have been closed with XXXX  Balance, why did citi bank kept on reporting every month about closed account with XXXX balance. It has been communicated to Citi Bank that, there should not be any more activities in my account as credit card is closed and also there is no CITI Bank Credit card open on my name, social, address and any of my identification details. In XXXX XXXX Credit report, I have observed that Citi Bank Kept on updating XXXX XXXX report about closed accounts, which does not any account activity and also no statements generated. Could you kindly direct XXXX XXXX to check my closed Individual Credit Cards and why they have been reporting every months, which have been closed and no account activity at all. Whats the point in closing individual Citi bank credit cards when Citi Bank abusing and manipulating closed credit cards and kept on reporting every month.As per the Federal Law and Closed Credit Card terms and conditions, there should not be any activity on closed card once its paid and closed with XXXX balance. Citi Bank Holds the complete legal accountability and responsibility at Concerned Honorable Courts and XXXX XXXX Credit Bureau for abusing closed credit cards with XXXX balance.
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (IL)

On XX/XX/2021 I received a letter a of debt validation in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. The letter which was sent in the mail to me shows a " Statement '' of an account. It does not show an original contract with my original signature. This debt does NOT belong to me. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.