davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (AL)

Hello I have contacted Equifax, XXXX, and XXXX the credit bureaus about fixing the wrong information and accounts on my credit report. They are reporting inaccurate information including late pays, accounts that I have proven are not mine, a bankruptcy and accounts paid and closed but showing open. As the consumer I have full power to notify them to correct anything on my report. It honestly looks like a employee just decided to throw anything on my credit report and dared me to notice any errors. I literally can not do ANYTHING for my family because of the false information on my report. These companies have no right or authorization to furnish my credit report in the first place. No one has given them the role to rule over all people they are just a company and NOT associated with the government at all. Continue to violated my consumer rights under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and the next level up if my next step. I even called the court and spoke to the clerk that the Bankruptcy was listed under and the clerk to did not even have the record of me and advised they do not share that type of information with credit reporting agencies at all.
Consumer complaint received 2021-06-12
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: DISCOVER BANK (PA)

Called Discover after discovering that there were 3 unauthorized charges totaling more than $ 500+. I reported these charges as fraud and called Discover. I was worried that the charges would post to my statement, therefore negatively impacting my credit utilization, negatively impacting my credit score. The woman told me they would not post. I called the merchant and two of the charge were dropped off of my card. However, 2 days later I look at my credit card statement and the fraudulent charge is included on my statement. I called Discover back and XXXX told me that Discover had no obligation beyond refunding me to not include the fraud on my statement, and submitted the statement to the credit agencies including fraudulent charges.
Consumer complaint received 2021-06-12
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-14
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: Experian Information Solutions Inc. (MO)

I am writing to follow up on our previous communication via CFPB, concerning discrepancies within my credit report. Once again, I find myself deeply troubled by the presence of unfamiliar entries on my report, and I believe it is crucial to underscore the seriousness of this issue.
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-06-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (NY)

I contacted American Medical Collection Agency on Friday, XX/XX/2019 to pay for an outstanding balance with XXXX XXXX. The initial bill was reduced from {$1000.00} to {$150.00}. I gave AMCA representative my card and he gave me a confirmation number XXXX that the account is paid in full. On Tuesday, XX/XX/2019 I noticed that I was charged twice. I called AMCA and spoke with 2 representatives who assured me that they would review and take care of the double charge. The same day I emailed them a printout from the bank showing a double charge. To date, they still have not refunded the overpayment.
Consumer complaint received 2023-01-12
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. (CA)

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. 

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  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 2021-04-14
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: EQUIFAX, INC. (CA)

I was a victim of Identity Theft, there is a fraudulent account not belonging to me that is showing up on Equifax, but is deleted from XXXX  and XXXX. 
Equifax is giving me the runaround and not blocking the information based on FCRA 605B ( 15 U.S.C. 1681c-2 ) i have filed an ftc report number XXXX.
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Today I received a package in the mail. Someone had ordered merchandise from XXXX and shipped it to my name/address. When I when to XXXX to track the order with the order number I found that the order was placed with a VISA card in my name. The last four digits of the VISA card are not any of my personal cards, but someone used my name/address/my mom 's cellphone number as the contact information to open a VISA card. 

I called both of the banks that I use, and I called CFPB. They recommended that I look at my credit report, freeze my credit reports, file a complaint against VISA, and file a police report.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

DELETE XXXX XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.
Consumer complaint received 2023-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

On XX/XX/XXXX i received a payment adjustment notification letter in mail. It indicates that the payment change will occur XX/XX/XXXX. The interest rate shows an adjustment to a rate of 6.3 %. The payment amount for current payment is incorrect in the letter. The payment amount for the future payment is also incorrect. Per the terms of my note, I should receive a payment change notice 60 day prior to a rate change. I did not receive any previous letter. 
I called the services on XX/XX/XXXX to discuss this problem. I was on the phone for 2 hours and was disconnected 4 times and spoke with at least 7 different customer service reps. Each one gave me information that was incorrect. After 2 hours and getting disconnected for the 4th time, I gave up. 
I am worried that the servicer is not accurately calculating my payment and abiding by the terms of my note and adjustable rate rider Thank you XXXX XXXX
Consumer complaint received 2015-05-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. 

THANK YOU XXXX XXXX
Consumer complaint received 2024-02-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (WA)

I XXXX XXXX XXXX The Consumer In This Matter Is Fully Aware Of His Rights To Being The Creditor In This Matter And That Wells Fargo Chooses Not To Follow The Law, About Consumer Protection So I Involving Subtitle Codes Of The United States Of America, Seems To Make A Very Much Problem For Me When I Want Control Of My Finances And Financing To My Life For All And Any Appliances I Choose To Protect MySelf With, So Subtitle 15USC1611, 15USC1693, 42USC408, 15USC1692, 15USC1601, 15USC1681, 15USC1662, 15USC1691, 15USC6801 @ 6802, All Are Being Ignored By This Government Franchise And I a Will Not Stand For These Actions To Be Admitted On Me In Such A Hazardous Harmful Way AnyMore At All, So My SSN Coming With XXXX XXXX XXXX  Attached To It And My Birth Certificate Coming With {>= XXXX XXXX XXXX So Why Am I Being Denied So Much When I Come With XXXX XXXX XXXX XXXX Behind Me XXXX Fully Aware And I Want To See That I Have Access To My Unlimited Credit By A Consumer Transaction Being Done Opening A Portion Of My Consumer Unlimited Credit, The Person Who Knows Of This Is The Banks UnderWriter So As Long As My SSN Is Involved I Have Consumer Rights And Consumer Protection Rights Along With The CFPB Baccing Me Up So Plz Lets See To It That I XXXX BeCome The One..
Consumer complaint received 2021-06-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUN LOAN COMPANY INC. (TX)

I have been a victim of identity theft starting in 2017. This company called Sun Loan Company has a loan balance that was fraudulently open in the amount of {$460.00} XXXX noticed this account last year that was being reported to XXXX XXXX and XXXX. I sent in the supporting documents including a police report and this account was blocked and removed. Now recently this company has reported this account to XXXX because they are blocked from the other two reporting agencies. They continue to report this account that was not open by me.
Consumer complaint received 2022-10-07
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. (MI)

The following companies are violating my consumer rights according to the FCRA I am requesting th method of verification of the following accounts 15 USC 1681a ( e ) states that a consumer reporting agency investigates something it is known as investigative consumer report. I am demanding a deletion I gave them 15 days to respond and I requested exact names and they failed to provide me with this information.
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that COMENITYBANK/VICTORI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I have been trying to get copies of my detailed credit report and score from XXXX, Equifax, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AZ)

XXXX purchased my public student loan in XXXX. Since then, I was poorly advised to file for forbearance over and over and over again. I could have made smaller payments but they inaccurately advised me to continue my forbearance. Now, under the new waiver, I would have qualified for public service loan forgiveness as I have been a teacher for several years since graduating in XXXX! This is a major issue that is effecting thousands of borrowers. We are doing everything in our power to make our lives all that they can be to take care of ourselves and our families and companies like XXXX do not hesitate to take advantage of anyone they can! Its absolutely sickening that so many people have been dealing with debilitating circumstances because of crooks like XXXX! People deserve to be able to live their lives, not be put into situations to literally limit their livelihoods! Most people I know have a student loan story and some aspect of their life has been negatively effected, as in purchasing a car or home, or acquiring credit. The Department of Education is responsible for overseeing this circus that student loan management has become. I hope for humanitys sake someone helps all of us who have been wrongly persuaded into forbearance.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

When I enrolled in XXXX XXXX  XXXX, I was told by my lender ( FedLoan ) that my loans must be placed in " XXXX  '' status even though I was to begin payments. During this time of forbearance, I could have been making payments toward my previous loans toward my PSLF. I was in grad school from XXXX to XX/XX/XXXX which would have accounted for many payments toward forgiveness. I have XXXX  in the XXXX XXXX for 25 years and 10 years during this period of forced XXXX forbearance. I am learning now that this was not required and that I could have had my loans in repayment. I trusted the representatives to give me the correct information concerning my loans which they obviously did not.
Consumer complaint received 2021-06-12
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. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-02-23
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. (NY)

I am so agitated! I have no idea what is going on over there at the CFPB. Ive submitted this same complaint XXXX times. You claim Im not the one submitting it. This to me is crazy. So Im submitting it again hopefully for the last time. TRANSUNION has been not complying with Fair Credit Reporting Act ( XXXX ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section XXXX by blocking or removing them from my report. Additionally they are violating sections XXXXXXXX XXXX  XXXX for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per XXXX. The accounts are as follows - XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX
Consumer complaint received 2021-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),