davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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. (TN)

Equifax is not complying with their own policies in a timely manner. I have sent a 609 letter and a letter demanding that they comply to remove erroneous accounts on my report. It has been 30 days and no response or notification of a pending investigation.
Consumer complaint received 2021-10-28
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. (NY)

I have filed a dispute with XXXX and Transunion regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter XXXX on both TransUnion and XXXX. Its been well over 30 days and I haven't received results from investigation. Both Transunion and XXXX have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.
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 — Account information incorrect
Company: DISCOVER BANK (CT)

The amounts were for XXXX XXXX for XXXX XXXXXXXX and XXXX for discover during the pandemic I got sick with XXXX and lost my job i tryed to explained this to my creditors but they offered no additional assitance to me.. so i made an arrangment to pay the minium amount i owed on both accounts in return they promised me they wouldnt report anything negative to my credit report but instead they did and lied to me
Consumer complaint received 2022-02-05
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)

On XX/XX/XXXX, the co-borrower on our mortgage account advised me that our account had been reported to the credit bureaus as 30 days delinquent and our credit files had lost nearly XXXX points. I called XXXX XXXX XXXX  ( XXXX ) to reconfirm forbearance from XX/XX/XXXX, until XX/XX/XXXX. XXXX rep, XXXX, confirmed my current forbearance and assured me the credit reporting department would fix the reporting error. Unfortunately for us, this error can cause our pending XXXX loan to be denied. We are trying to start a business to better our own financial future and now we have to deal with correcting this error due to the incompetence of the XXXX staff. This is not the first time that XXXX has made critical mistakes that could have been catastrophic for us. In XXXX of XXXX, they accidentally removed our mortgage account from the XXXX XXXX XXXX forbearance program, and we were in danger of being reported delinquent at that time. Luckily, I called XXXX and caught the error in time ( CFPB Case # XXXX ). It is hard enough for XXXX people in this country to establish themselves financially and I am beginning to think this is being done intentionally. How can this mortgage company be this inefficient and inept? XX/XX/XXXX, I received a call from XXXX rep, XXXX. He called to discuss refinance options. He had not read through my file beforehand, or he would have seen that I was just coming off of a XXXX forbearance plan and was not eligible for refinancing at that time. XXXX prematurely transferred me to XXXX XXXX who ran my credit report, simply because I showed interest in refinancing. I never agreed to have XXXX run my credit, but they did, and I lost points and gained a hard inquiry. I called XXXX that same day to have them remove it and it still has not been removed as of today. These anomalies cost consumers and it is unfair that we have to suffer through XXXX and all its XXXX XXXX XXXX XXXX  traumas, along with XXXX bungling mistakes that XXXX  obviously does not take seriously enough to make sure they read our files before making decisions. The XXXX XXXX forbearance plan is to help deal with XXXX ... not make it worse. The law protects consumers when their credit reports contain inaccurate information. Under the federal Fair Credit Reporting Act ( FCRA ), consumer reporting agencies, as well as companies that provide them with consumers data, must report accurate information and fix errors that have been disputed. If this recent error causes our XXXX loan to be denied, we will have no other choice than to take legal action against XXXX.
Consumer complaint received 2018-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OK)

In XXXX of 2018 I closed my discover account. I followed up with Discover around the end of XXXX to confirm my refund amount. The agent advised me I would receive a check in the amount {$480.00} after XX/XX/2018. I called today to confirm when my check would be sent and was advised my refund would only be for {$17.00}.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Ingo Money, Inc. (AR)

DEAR CONSUMER FINANCIAL PROTECTION BUREAU SO IM SUBMITTED WRITTEN ONLINE EMAIL REQUEST ABOUT IM HAVING DELAY PROBLEM ISSUES WITH BUSINESS FINANCIAL COMPANY GOES BY THE NAME OF INGO MONEY INC SO ASLO I CAN EXPLAIN MORE DETAILS ABOUT THE PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THE BUSINESS FINANCIAL COMPANY OFFER CHECK CASHING SERVICES FOR SMALL FEE OF FIVE DOLLARS PROCESSING FEE SO THE MAIN PROBLEM ISSUES IM HAVING WITH INGO MONEY INC SO THEY HAVE CLOSE MY ACCOUNT AGAIN THAT I CURRENT PROCESS CASH PAYROLL CHECK THREW THIS MY SECOND TIME IN ROW HAVING DELAY PROBLEM ISSUES WITH CHECK SO I RECIEVE XXXX DOLLARS CHECK IN THE MAIL TODAY AND AFTER I FIRST RECIEVE THE CHECK I READ OVER THE CHECK I SIGN BACK OF THE CHECK ENCLOSE AND WENT TRY TO CASH DEPOSIT ITS INTO MY INGO MONEY APP ACCOUNT & THE ERROR MESSAGE IM GETTING FROM  MY INGO MONEY APP ACCOUNT ITS SAY MY ACCOUNT HAS BEEN PUT ON HOLD AGAIN AND THEY DID NOT CONTACT ME BY MAIL ARE EMAIL ARE BY PHONE TO LET ME KNOW MY ACCOUNT HAS BEEN CLOSE AGAIN SO THIS PROBLEM ISSUES HAS CAUSE VERY HARDSHIP TIME WITH THE BUSINESS AND CONSUMER CUSTOMER SO IM THINKING WHY THEY KEEP FREEZE MY INGO MONEY ACCOUNT ON HOLD INGO MONEY CUSTOMER SERVICES PHONE NUMBER XXXX  INGO MONEY INC EMAIL ADDRESS XXXX unapproved check purchase amount CHECK TRANSACTION PURCHASE AMOUNT DID NOT GO THREW WITH THEM FUNDS DID NOT CLEAR INTO AMERICAN EXPRESS PREPAID BLUEBIRD CARD ACCOUNT SO INGO MONEY INC ARE NOT GOOD COMPANY TO DO BUSINESS WITH
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. (SC)

ON XX/XX/XXXX I RECIEVED MY INVESTIGATION RESULTS VERIFYING THAT THE FOLLOW INFORMATION IS ACCURATE AND FAIR. REPORTING AGENCIES FAIL TO SEND THE INVESTIGATED REPORT WITHIN 15 DAYS VIOLATING THE FCRA. XXXX VIOLATED MY PRIVACY BY SELLING MY INFORMATION TO XXXX XXXX XXXX IN XXXX OF 2019. CLEARLY AND CONSPICOUSLY ON MY CREDIT REPORT IS A CLOSED ACCOUNT STATING THE INFORMATION WAS TRANSFERRED TO ANOTHER PARTY WHICH IS XXXX XXXX XXXX. I NEVER AUTHORIZED SUCH TRANSACTION TO TAKE PLACE AND SHOULD BE EXCLUDED FROM MY CREDIT REPORT. THE TRANSFER OF MY INFORMATION IN REGARD TO THE XXXX IS IDENTITY THEFT. XXXX XXXX XXXX ACCOUNT IS LISTED AS A DEBT BUYER. JUST BECAUSE XXXX XXXX XXXX BOUGHT THE DEBT IT DOES NOT MAKE ME LIABLE FOR THE ALLEGED DEBT OBLIGATION. THIS IS NOT A REQUEST FOR ANOTHER INVESTIGATION THIS IS A DEMAND FOR DELETION OF THE FRAUDULENT ACCOUNT. FURTHEMORE IF REPORTING AGENCIES COULD NOT PROVIDE DOCUMENTATION SUCH AS CONTRACT OF OBLIGATION TO PAY ALLEGED DEBT AND MY AUTHORIZATION TO REPORT AND SHARE SUCH INFORMATION IT SHOULD BE DELETED ASAP! THIS IS DEFAMATION OF MY CHARACTER
Consumer complaint received 2022-02-25
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. (TX)

No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (WA)

In XXXX of this year I became a victim of XXXX  XXXX and subsequently was fired for that reason from my job. My physical and mental health began deteriorating and I was diagnosed with a XXXX. 
I have a credit card with a {$2500.00} limit and an APR at 25 %. I have had this card for almost 2 years and have great payment history. It is the only credit card that I have. I Called before I even went over my limit and explained to the representative that I Was suffering from a financial hardship, I had no income, and I had just been Diagnose with the XXXX. 
The American with disability act requires requires lenders to offer disabled customers with a reasonable Accommodation if ever they are in a situation where they are suffering a financial hardship. 
I was offered nothing. 
The interest kept growing and I spoke to them a few more times times and the only options they gave me all required the card being closed which is the last thing that I wanted to have happen. The only reason I ever had this card was specifically to make payments on time and build my credit. Within 3 months of that 1st phone call And me doing my due diligence to keep in contact with them throughout the entire 90 days before they closed my account the card has been closed and my credit score has been destroyed. I just got off the phone with a representative from Chase and she said that before they close an account they offer deferment payments or some type of payment plan. I was offered neither. I am currently in the process of getting evicted and I have been applying for homes the last 2 months but unable to rent anything because my credit score is so low. This has been incredibly stressful on me and a huge factor as to why I will likely be homeless in the next week.
Consumer complaint received 2022-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2022-02-25
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2021-10-28
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 INFORMATION ON MY CREDIT REPORT IS NOT CORRECT. I DONT UNDERSTAND WHY YOU PUT THIS INFORMATION ON MY ACCOUNT. I DIDNT APPLY FOR ANYTHING. I BELIEVE SOMEONE USED MY PERSONAT INFORMATION
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX Noticed all my accounts from 2020 was showing late payments and other negative remarks on TransUnion credit report. 

I sent TransUnion an Affidavit signed and Notarized ( XX/XX/XXXX ) showing them the law below. 

I am sure Late payments 2020 should all reflect up to date pursuant to The Coronavirus Aid, Relief, and Economic Security Act based by Congress and signed into law on XX/XX/2020, contains a provision explicitly addressing the FCRA as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 )
Consumer complaint received 2022-10-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (SC)

Complaint is against Navy Federal Credit Union. XXXX of XXXX I was notified that I was being sued for an auto debt of around {$8000.00} originated in XXXX and a credit card debt of around {$800.00}. Navy Federal had passed the debt to the Collection Agency XXXX XXXX XXXX in XXXX where it remained until the accounts were closed due to the Auto debt reaching statute of limitations XX/XX/XXXX and XX/XX/XXXX. No further contact had taken place until XXXX, XXXX wherein Navy Federal had found my current residence in South Carolina using the law firm of XXXX XXXX Case # XXXX. XXXX XXXX has claims Navy Fed still has the right to sue despite how old the debt is and is currently attempting to change jurisdiction from XXXX XXXX, CA to XXXX, SC. On XX/XX/XXXX I received a text for an appointment to be served. When XXXX XXXX was contacted, they claimed it was a mistake but is still in the process of changing jurisdiction. This is causing a tremendous amount of stress for myself and my family under threat of being sued for these debts that are very old and past limitations. I'm currently awaiting mail from XXXX XXXX explaining Navy Federal justification. XXXX XXXX has also stated that the debt will also increase just because I no longer live in the XXXX XXXX jurisdiction.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-05-24
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (DE)

This is a false report on my credit, and I want it to be removed as soon as possible. I would also like to have more information about the institution that report this to my credit so I can take legal action against them ... thank you
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

The credit card Citicard ( Costco ) company reduced my credit limit twice. The first time was in XX/XX/XXXX. The second time was on XX/XX/XXXX on the exact same day that I used the card to make a purchase. They allowed the charge to go through and then lowered my credit limit so now my balance is over the credit limit and my minimum payment due is very high. 

My original credit limit was {$11000.00}, which was then reduced to {$6600.00} in XX/XX/XXXX with a vague letter saying that my payments were low with them. 

My credit limit was further reduced on XX/XX/XXXX to {$4900.00} on the same day that I purchased a computer. As I said above they did allow the charge for the computer to go through and then immediately after that on the same day lowered my credit for the second time. Since they allowed the charge my balance is now over the limit which affects my credit and other credit cards. 

This is a terrible thing to do during a pandemic. I have never missed a payment with this credit card.
Consumer complaint received 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ideal Collection Services, Inc. (GA)

Ideal collection Service has committed serious violations under the Fair Debt Collection Act and the Fair Reporting Act as well as willful non-compliance of XXXX XXXX reporting. On XX/XX/2021 sent certified letter to Ideal Collections to validate the Debt that was they were reporting only to XXXX on my Credit report, from the beginning this account is not in compliance with XXXX XXXX reporting. Ideal Collections is the Data Furnisher and they are reporting inaccurate, erroneous and missing information. I received a copy of a lease along with a letter stating that they had noted my account as disputed. ( See copies of credit report at the time I requested validation, copy of letter requesting validation and copy of letter stating account will be marked as disputed. ) On XX/XX/2021 I sent another certified letter to Ideal Collections informing them I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. ( see copy of letter, copy of report showing account is not marked as disputed with XXXX. This account was added to XXXX and XXXX now all 3 bureaus is furnishing inaccurate, erroneous and missing information. My guess is it was added to XXXX and XXXX as some type of punishment. The important thing is there are willful and continuous violations being done by Ideal Collection Service. On XX/XX/2021 sent certified letter to Ideal Collections requesting Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. My request was ignored. ( See attached copy of certified letter sent, copy of Ideal Collections to the 3 bureaus for the month of XXXX reporting. Still a pattern of will non -compliance of XXXX  XXXX and all 3 bureaus not marked as disputed. ( Print out of my recent updated credit report and the account is still not marked with the consumer dispute. ) I am a XXXX veteran and the actions of the company has caused me a great deal of harm when it is viewed by a creditors.
Consumer complaint received 2019-05-24
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: PENTAGON FEDERAL CREDIT UNION (SC)

I'm a victim of identity theft and I didn't apply for anything with Pentagon. 
Where's the copies of the signed docs that were filled out when I supposedly applied for an account? Please provide me with all written documentation within 15 days or this is a violation and you must DELETE it from my credit report.