davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-01
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. (CA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2018-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I work for the XXXX XXXX XXXX XXXX. I have been repaying Parent Plus Loans since XX/XX/XXXX that were taken for my XXXX daughters to attend college. How FAFSA works you only receive funds/loans per year per child.. I applied for Public Service Student Loan Forgiveness after 10 years of being employed by a XXXX XXXX XXXX XXXX and applied for loan forgiveness in XX/XX/XXXX. My application was denied because the loan company stated since I consolidated the loans in XX/XX/XXXX ( at their suggestion after I asked them how might I make it easier for with how FAFSA and Parent Plus works -- you incur loans per child per year and I was making about 6 to 7 payments writing 6 or 7 checks every month for the loans I might add ) that I did not have the qualifying 120 payments and that my " forgiveness '' would take place AFTER making the payments from XX/XX/XXXX, and at that point my loan would be paid off, and I would receive zero forgiveness. I asked if there was an appeal to this as I was misinformed when the suggestion was made by XXXX XXXX to consolidate multiple loans that I had incurred as a parent. I am upset and frustrated and am being denied what I am entitled under the federal Loan forgiveness act because of some " technicality '' they imposed.
Consumer complaint received 2021-06-01
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: JPMORGAN CHASE & CO. (NV)

I previously filed a complaint under ID : XXXX. However, today, I've received an email from the airline XXXX with a snapshot of the transaction ID where it shows the refund was made to my credit card. However, it is not showing on my card. 

Unfortunately, the email is in XXXX, this being a XXXX American airline. It basically states the details of the transaction and also asks me to share this information with the bank ; unfortunately, I have no recourse with Chase Bank as it has refused to entertain dialogue about this issue any longer. Thank you for your assistance in getting Chase to research this transaction and provide a resolution. 

Attached is an email received today.
Consumer complaint received 2022-07-22
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. (GA)

I have been submitting letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; AXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  # XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-07-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX  XX/XX/2020 eToro USA LLC XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX   CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Demand Notice To Whom it May Concern : On XX/XX/2020, I applied for an investment account at eToro USA LLC ( the Company ) in response to an offer to earn XXXX  SB ( the Offer ) on the XXXX website ( the Website ). The Offer terms stated Register, deposit {$50.00} and make two trades to earn XXXX  SB!

I completed all requirements by XX/XX/2020. 

As of today, the XXXX SB points have not posted to my account, despite repeated inquiries with the Website. 

Now, I respectfully demand that the Company pay the monetary value of the Offer ( {$70.00} ). 

Otherwise, this matter will proceed to trial with all costs borne by the Company. 




Sincerely, XXXX XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was selling a property and a past judgement of a Credit Card Debt came up on my Title Commitment. I contacted the creditor Capital One and negotiated a settlement on XX/XX/XXXX. We closed on the sale of the property XX/XX/XXXX, and funds were released to the creditor. I was told that a satisfaction or lien release would be recorded 22 days after the payment cleared. Its been over 4 months and they have not recorded a release as of today XX/XX/XXXX.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Went to Bank of America ATM at coliseum XXXX, XXXX, va on XX/XX/XXXX XXXX I attempted to make a {$200.00} payment in the ATM and the ATM kept XXXX of my XXXX dollar bills. The machine did NOT add to my account or give me a receipt confirming payment. 

I put the returned {$100.00} bill that was given back to me back into the machine in a new transaction, and it went through with no problem. I report, lost if XXXX bill, same day ... ... and clerk stated it would take 7 days to resolve. It is now OVER TWO weeks and the bank is now telling me that it could take two MONTHS. 


I need to know what is going on and I need my {$100.00} payment credited ASAP. I am sure ATM machines get checked every day and they should have known that too much money came out on the day my XXXX dollars was taken. The bank will NOT credit my card.
Consumer complaint received 2018-12-13
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. (MO)

Today spoke with XXXX in dispute department. I stated I have received an alert on dispute update. I disputed XXXX XXXX for late payment I was never late and for XXXX XXXX  inquiry removal. XXXX told me that they stated that the information was certified and correct I told her that is impossible because I have my statement and what documents did they prove she stated none and they do not have to do that. Which means a creditor can just prove false information and they certify it to be true and affect consumers credit profile. I want them to be fined for ruining consumers credit profile without legal documentation to report negative information to tradelines. Also for false scoring calculations and not updating consumers profile when things are scheduled to fall off report profiles. Credit bureaus are the biggest schemes out here. Credit scores are not the same as lender when we purchase FICO score lenders are different. I want all negative information removed immediately.
Consumer complaint received 2020-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (VA)

This is what they texted to me : Congratulations, Hey, This is XXXX XXXX from the Lending Tree. Your loan application has been successfully approved up-to {$10000.00}. Your loan approval id - XXXX - XXXX LENDING TREE. 

-No upfront hidden fees! 
-No hidden charges. 
-Easy Installment.

If you still interested just reply Yes or call us back on Number. 

+ XXXX ( XXXX ) XXXX Kind Regards XXXX XXXX Extension : XXXX Lending Tree.
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

A charge for {$140.00} was made through my PayPal debit card and drawn from my balance. The merchant XXXX, had notified me they had supressed the transaction and never processed it. They deemed there to be unauthorized activity XXXX XXXX account. My issue lies with PayPal, they have been well informed of the outcome the merchant had informed me of and provided proof of the communication. PayPal therefore never paid anything out to XXXX. Now PayPal sits holding the funds claiming merchant did not return the proper amount however merchant never completed the transaction. There is absolutely no reason why I have not gotten my money back to my account.
Consumer complaint received 2022-11-02
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: CITIBANK, N.A. (GA)

I had planned on attending a graduation in XXXX on XX/XX/2022. XXXX XXXX stated they had to cancel my flight due to scheduling difficulties. I traveled on XX/XX/XXXX to XXXX. I had reserved a car with XXXX through XXXX and I requested a refund due to the situation. I called XXXX and XXXX with no help in sight. Then I filed a complaint with my own credit card Citi, proving them a letter from XXXX XXXX stating that they had cancelled my flight. Consequently, after going back and forth with Citi and speaking after speaking with XXXX today trying to explain but he stated they could not accommodate me and that if I did not have it in writing as to XXXX XXXX XXXX stating that I am entitled to a refund, CIti was not a part of this dispute. Consequently, since I do not own a plane it appears that the extra money I paid is justified and that I have no recourse even if my flight was cancelled by the airlines. Further, since I did not ask them for a refund that basically I have no recourse. It appears, Citi has sided with the vendor that they are not obligated in any way to refund me. 

I am hoping that you can find an amicable solution to this matter. 

Thank you. 

XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (WA)

FREEDOM MORTGAGE LOAN # XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from XXXX XXXXXXXXXXXX XXXX  to Freedom Mortgage. 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by Freedom Mortgage. 

The Freedom Mortgage automated phone system is also incorrectly reporting me due for the XX/XX/2020 payment which is also incorrect. 

Prior to the this reporting by Freedom Mortgage, I have never had a late payment on any mortgage loan.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AG AH LLC (WA)

XXXXXXXX XXXX XXXXXXXX # XXXX ARC HOMEXXXXXXXX XXXX XXXXXXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from ARC HomeXXXXXXXX XXXX to XXXXXXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXXXXXX XXXX 

The XXXXXXXX XXXX automated phone system is also incorrectly reporting me due for the XX/XX/2020 payment which is also incorrect. 

Prior to the this reporting by XXXXXXXX XXXX, I have never had a late payment on any mortgage loan.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

As of today, I have sent over six disputes to all three bureaus. I have not been verified of the initial results. I continue to receive template letters. Section 609 a ( 1 ) A of the FCRA states that. Bureaus are required by federal law to verify. through the physical verification of the original consumer contract. I requested that unverified accounts be removed immediately and there has been no results provided.
Consumer complaint received 2022-07-22
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. (GA)

Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and Experian look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lending Club Corp (FL)

On XX/XX/XXXX, I submitted to the CFPB claim XXXX. In this claim, I reported that Lending Club had proceeded to ACH debit my checking account despite rescinding authorization to do so. On that same call with Lending Club on XX/XX/XXXX, and on previous calls, I requested information regarding COVID relief for payment delay or changes. I was told by the associate and her supervisor that no such options were available through Lending Club. On XX/XX/XXXX, I called Lending Club again to request information on options for changing payment amounts or delaying payments. On this call, the associate said that yes, it was possible to change payment schedules and offered several different options.
Consumer complaint received 2022-07-22
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. (GA)

Dear CFPB, I hav contacted XXXX XXXX numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. XXXX XXXX did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to XXXX XXXX that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if XXXX XXXX just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but XXXX XXXX case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, Equifax, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from XXXX XXXX dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission XXXX has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA [ XXXX ] Last 4 of SSN- [ XXXX ] XX/XX/2024 Consumer Financial Protection Bureau ( Enforcement ) Enforcement Office XXXX XXXX XXXX XXXX Washington XXXX DC XXXX supervision@cfpb.gov ; CFPB_RegulatoryImplementation@cfpb.gov ; CFPB_Litigation@cfpb.gov Subject : Formal Complaint Regarding XXXX XXXX Violation of 15 U.S. Code 1681c-2 ; 15 U.S Code 1681b Complaint Regarding XXXX Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX ; FTC File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of XXXX FTC Act Federal Form JS 44 will Commence Report Number XXXX VIOLATIONS - {$4000.00} Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX  File dated XX/XX/XXXX XXXX XXXXXXXX are listed as accounts with Adverse Information. This, again, is INCORRECT XXXX is accused of violating 15 U.S. Code 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX consumer reporting agency violated 15 U.S. Code 1681b by reporting information on the consumer 's report without written instruction from the consumer. This is stated in the document, where the consumer explicitly states that they never gave any consumer reporting agency written consent to report anything on their consumer report. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 

Best, By : SIGNATURE AUTHENTICATED Agent for XXXX XXXX Principal By Accommodations Without Recourse