davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tenaglia & Hunt, PA (NJ)

We paid a closed XXXX XXXX credit card instead of our active XXXX XXXX card in XXXX. XXXX took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in XXXX. And now 13 years later, XXXX has a 3rd debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or XXXX and we need CFPB to contact them so their debt collectors first XXXX and XXXX XXXX from XXXX XXXX & now XXXX & XXXX, to stop the most recent application for wage execution of XXXX XXXX. 


First, we paid that XX/XX/XXXX payment on time but was not credited, it was sent to a closed account and XXXX XXXX was aware of it. They cashed the payment and didnt credit us, we did not received either credit or money. Second, we never received any notification from XXXX and XXXX for any legal action otherwise we would have showed up to defend this incorrect balance and judgment XX/XX/XXXX. We requested a certified signature signed by XXXX XXXX regard of this legal matter of which we have no recollection Third, a post judgment hearing on XXXX XXXX with XXXX & XXXX came and went and the wage garnishment was not allowed. To the best of our recollection we never received any notification for switch of attorney for XXXX and XXXX. So they are trying again and now with XXXX XXXX XXXX, which we never heard of them until the request wage garnishment on XXXX XXXX. XXXX should not be allowed to get another bite of the apple. We also would request a certified signature by XXXX XXXX from XXXX XXXX XXXX, as proof of judgment was served in XXXX. 
We would like CFPB to request this information on our behalf and have all issues and concerns answer by both XXXX and XXXX & XXXX.
Consumer complaint received 2022-03-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MN)

In brief I contacted the Western union customer service to inform them that both transfers domestic wires were canceled by their office. The person I sent the money to had some issue with Identity in their system, so I was instructed to get a refund for transactions : Date XX/XX/2022 XXXX XXXX. XXXX for {$200.00}. and XX/XX/2022 XXXX XXXX. XXXX for {$200.00} the wire charge should be returned as well I was told the money would be back by the XX/XX/2022
Consumer complaint received 2017-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Thr issue is the 3 times in the past 4 months I have attempted to get them to pay the escrow refund dune from my account. They are holding it and claiming to have issued a refund for the amount. It has never arrived. They promised it within 10 business days each time and it has never arrived. I recieved my normal monthly correspondence from them today so I know the mail is working properly meaning the company, freedom mortgage, has been stalling the past 4 months.
Consumer complaint received 2022-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I realized a hard inquiry on my XXXX  credit report from Bank of America. Ive never tried to open an account with Bank of America so I immediately contacted the company with my concerns. I sat on the phone for over 2 hours with a representative who made me aware that shed taken care of it, months later, the dispute was still there so I called the company back and they told me no one ever opened up a dispute. I then sat on the phone for another 2 hours with another representative who told me hell take care of it and provided me with a claim number/case ID, Case ID : XXXX, along with a direct phone number to the fraud department so I can call in for updates. It has been over 1 month since than and every-time I call Bank of America , no one has an update for me on whats going on.
Consumer complaint received 2019-05-05
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. (MN)

I need to file a complaint on Experian each time I sent in a dispute they keep claiming to have verified the inaccurate account but however Experian you are violation the fcra by not sending out a updated credit report I expect each time I submit a dispute I except you to send me a updated report I have received 2 updates from you just this weekend almost could you please enclosed a copy of the updated report. Also when I send I. Dispute I will expect a updated report thank you
Consumer complaint received 2019-08-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc. (CA)

I have never even heard of this CMRE company. They call constantly and I have never even heard of these people nor have I ever dealt with them I believe it is not fair that this has a negative impact on my credit report.
Consumer complaint received 2017-08-19
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: R & B Corporation of Virginia (NV)

There are 3 separate collections accounts on my credit report from the same company, I have contacted XXXX XXXX and they have no information of any coolections accounts, they then referred me to credit control corp. they can not locate the account in their system either ... I believe 1 or all 3 were erroneously placed on my account. I 'm terribly frustrated that I can not find out why this is being reported on my account and why there are 3?? .. how can I find someone to help me?? The account # 's are XXXX, XXXX, and XXXX. I spoke with a very nice girl from credit control corp. and she looked them up and also used my SS number and could not find them!! Please help
Consumer complaint received 2022-03-22
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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-22
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. (CA)

I am submitting this complaint against Transunion for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need TRANSUNION to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (FL)

I am writing to file a complaint against Affirm regarding the mishandling of a refund and their refusal to reverse charges for a trip purchase made through XXXX on XX/XX/year>. I canceled the purchase the same day, XX/XX/year>, within XXXX hours, as per the terms and conditions, and received a partial refund for the hotel portion of the trip. However, I have not received a refund for the flights, even though the law states that flights should be 100 % refunded within XXXX hours of purchase. 

Despite multiple attempts to resolve this issue with Affirm 's support team, they have refused to reverse the charges for the flights I never took, amounting to {$520.00}. I have a flawless payment history with Affirm, having successfully paid off XXXX installment loans for trips and items I actually used or purchased. I even offered to pay the full balance of the loan, despite not being responsible, if they removed the late payment reporting from the loan. 

To my dismay, on XX/XX/XXXX, Affirm charged off my account instead of addressing and rectifying the problem they created. This not only reflects poorly on their customer service, but it also has a negative impact on my credit score. 

I believe that Affirm 's actions in this matter are in violation of consumer protection laws and regulations. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against Affirm to ensure fair and just resolution. 

Thank you for your attention to this matter. I look forward to a swift resolution and a satisfactory outcome.
Consumer complaint received 2022-10-27
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. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation 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 2022-03-22
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: Experian Information Solutions Inc. (CA)

I am submitting this complaint against Experian for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2022 due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase Bank to open up a business account and deposit {$550.00} and they agreed to open up a business account and took my money and on XXXX XXXX they closed my account and have refused to tell me why when I requested the information and said it was private information and I had no right to the information. They have refused to return my money. I believed they use my age and race to descrimunated against me because my age and race.
Consumer complaint received 2022-09-01
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. (MI)

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit XXXX XXXX and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is XXXX in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so XXXX can take those innacurate inquiries ( XXXX XX/XX/XXXX) ( XXXX  XXXX XXXX  XXXX  XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX) ( XXXX XXXX ) that are hurting my credit score and I cant take a home because XXXX is refusing to remove information that are not mine. 


On EQUIFAX the inquiries are ( XXXX XXXX XXXX ) ( XX/XX/XXXXXXXX  XXXX ) that are also hurting my credit and those inquiries need to be removed because they are not mine.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-13
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. (LA)

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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : Experian : XXXX XXXX XXXX Balance : {$5800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX PROGRESSIVE INSURANCE ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} FST XXXX  XXXX Balance : {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance XXXX {$170.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$450.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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 XXXXXXXX
Consumer complaint received 2022-05-12
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. (VA)

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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
Consumer complaint received 2022-03-22
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (MT)

On XXXX I returned a purchase at XXXX, I was told by the employee at the target location and by the target corporate office that the refund would occur within a matter of minutes. As of XXXX, my banking institution has done nothing and in fact doesn't even show a pending deposit for the refund. I had contacted SoFi Bank regarding the matter on XXXX, I provided the purchase receipt, the refund receipt, and the confirmation of such in my target online account, they have refused to do anything.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (GA)

I attend Georgia XXXX XXXX in XXXX, XXXX My Federal loans were transferred to AidVantage. I am still in college. I have two more classes to take after current quarter. I plan to graduate at the end of this year. My mother is paying for the remainder of my classes as I work and attend one class per semester. This will keep my loan balance as is and I will not not acquire any more student loan debt. 
AidVantage sent me a bill for {$220.00} due on XX/XX/21. My total loan balance is {$22000.00}. It is my understanding that I don't have to start paying anything until 6 months after I graduate or if I leave college. I don't understand how they are calculating the {$220.00}. I don't understand how I have a bill due and I am still in school? The current interest on my AidVantage statement is showing a balance of {$77.00}, I thought the government stopped interest from calculating due to COVID? 
I have made several attempts to create an online account on their website but it is not working correctly and it always times out so I can not access anything.