davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-20
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. (TX)

This is XXXX 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 items listed below are still reporting on my credit report in violation of federal law. The 3 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 remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CAPITAL ONE, is still reporting on my credit report in violation of Federal Law. They failed to comply with 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.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GLOBAL PAYMENTS DIRECT INC. (NJ)

Maybe the CFPB has some authority here. The credit card processor for my small business has adopted XXXX  noncompliance fee policies and procedures that are causing harm to the small business community. Hopefully I can upload the full explanation, but in short, my card processor, Global Payments Inc., charged my small business {$16000.00} in punitive non compliance fees. These fees amounted to over 5 % of card receipts at one location, and .8 % of card receipt across 8 locations. The fees have no relationship to any meaningful measure of risk, like card receipts, customer volume, my companies polices and procedures, it's legal structure, or whether my company even retains customer cardholder information. To put the size of the fees into perspective, the XXXX XXXX XXXX permitted processors to charge a fee of XXXX of transaction volume for debit card processing, inclusive of XXXX XXXX 's for fraud loss, and .01 % per transaction for fraud prevention costs. Global Payments PCI non compliance fees alone are four times than the total fee for processing a debit card payment. The fees are XXXX times higher than the risk related fees allowed by the XXXX XXXX XXXX for debit card processing. 
Global Payments charges duplicative fees, one for being non compliant, and one for not completing the compliance process. Moreover, consider this example, XXXX 's fee structure is such that my small business, with it's annual {$1.00} XXXX in credit card receipts, pays penalty fees that are 8 times higher than a company with {$400.00} XXXX in annual credit card receipts but a single merchant number. 
XXXX gave little warning of it's fee policy, listing it in small print in it's XX/XX/XXXX statements. It initiated charges in XXXX of XXXX. It's first outreach to me, by email, was in XXXX, 18 months after it started charging. 
XXXX says it has hundreds of thousands of small business customers. If they had XXXX small business customers, and charged them the same way they charged my company, XXXX would generate {$130.00} XXXX in revenue a month, or {$1.00} XXXX a year. These fees are a tremendous disincentive to XXXX to support it's small business customers to help them become PCI compliant. The timing of their first outreach to me is further evidence of this conflict.
Consumer complaint received 2024-04-09
Product: Credit reporting 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. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My wallet was stolen and I made a complaint and haven't heard anything back yet the theft was from a previous employee from the bank who knew my card was on the way and quit the bank before my card was stolen
Consumer complaint received 2023-08-17
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 (FL)

Bank of America issued credit card I did not apply for. It was being mailed to NY. I have not lived in NY for 20 years & never lived in that area. They never questioned it. They should have contacted me immediately. Especially as I already have a card with them.
Consumer complaint received 2019-07-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I only recently found out about this collection activity. It has been on XXXX for years apperantly. I had a legal service that said they could never find out where the debt originated. I have never ( in the 7-8 years at my current address ) even been notified by this collection company of any debt owed or otherwise to be able to dispute. When i did find out from XXXX, i could not dispute for whatever reason. 
Now its on another credit XXXX and I cant bring it up. 
These people have by holding secret from me, cost me probly thousands in high interest rates not to mention kept my score artificially low causing undue stress over a low score. If you see my credit report you will see no missed payments, late payments, non payments for years. any time i have been notified that I owe money it has been promptly paid. Had i known that there was a bill out there I would have made contact and delt with it. I am absolutely going to take whatever recourse ( which as you know i likely have none ) to be able to hold this company responsible for years of holding me back artificially with my credit score. I am disgusted with this credit system where the people who are kept down FOR WHATEVER REASON get screwed for years by a complex and underhanded system designed to never be able to get ahead. What a horrible way to treat American citizens. Rash and Curtis should be disbarred for what they have done to likely lots more victims than myself. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (DC)

I contacted Navient, XXXX, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES AcXXXX and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

Navient never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded.
Consumer complaint received 2023-08-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (TX)

I've been out of work since XX/XX/XXXX. I've been having severe XXXX  issues recently and it ended up with me being in 5 different XXXX, seeing XXXX, XXXXXXXX XXXX, many XXXX  XXXX, XXXX XXXX, etc. Suffice to say, it's been difficult and I'm currently waiting on my short term disability leave payment to arrive ( delays with the administrator XXXX ). I've slowly been recovering and am expected to return XX/XX/XXXX Complaint : I was 8 days late on my payment, and today with no warning ( no call, no text, no voicemail, no email, nothing ) GM Financial disabled my truck as I got home. I immediately paid online, but they don't have a way to reach humans after hours so I'll be without my truck until Monday in a time where it directly jeopardizes my life. They should've warned me, being without transportation unexpectedly could've caused me great harm, and trying to figure out what the issue was to begin with has made me feel physically sick ( I'm recovering from severe XXXX XXXXXXXX issues, not fun ).
Consumer complaint received 2020-12-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2015-09-16
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Dear Sir/Madam, I 've sent my money {$820.00} to XXXX XXXX, XXXX XXXX XXXX, City : XXXX, State : XXXX, Zip Code : XXXX, USA by Money Gram. This address gave another person : XXXX XXXX, who works at XXXX XXXX XXXX XXXX, born Monday, XX/XX/XXXX, Age XXXX, from XXXX, XXXX. 
I 've sent the money to purchase XXXX laptops by XXXX from XXXX XXXX, XXXX. 
But money arrived and I did n't get not my laptops and not my money back. 
XXXX asked me for more money. I refused. She is not responding any more. 
XXXX name : XXXX, tel. No. : XXXX. 
I am XXXX XXXX.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

hello on XX/XX/2024 I received a notifications on my phone from credit karma saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX XXXX XXXXXXXX XXXX INQUIRIES AND XXXX CAPITAL ONE BANK INQUIRIES ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, CAPITAL ONE BANK AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX in process of putting a freeze on my credit.
Consumer complaint received 2022-05-20
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: Experian Information Solutions Inc. (MD)

This is XXXX 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 Experian, XXXX and XXXX Credit Bureaus 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 update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-20
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. (IL)

n accordance with the Fair Credit Reporting act 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  ), has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Enerson Law, LLC. (TX)

What is the complaint about? 
My complaint is about a credit card that I owed in 2007, in the amount of {$3000.00}. I received this credit card in 2007 and I used the card to purchase plane tickets to go see my husband, at the time, who had just gotten out of Basic training, in the XXXX XXXX XXXX. The agreement was that if I purchased the tickets, my ex-husband would reimbursement, after he got his sign on bonus, but he never got all of his sing on bonus, so we were not able to pay the credit card back. 
What type of problem are you having? I took out a personal loan to pay off my credit card debt and Enerson Law, LLC, placed a bank levy on my checking account and took {$8500.00} from my account. The Law firm sued me on behalf of a company called XXXX , XXXX. This company bought my debt from XXXX XXXX. I was not able to pay off my credit card debit or my bills and maintain a living, because of the bank levy that was placed on my checking account. In addition, the original credit card was only {$3000.00}. I did not even know I was being sued, because I never received a letter, summons or anything. After the bank levy was placed on my account, I called the bank and the bank gave me information on how to contact the debtor. Only, then did I find out what I had been sued for. Apparently, the letter went to my Mothers house, and she had no knowledge, because she is XXXX. 
What company is this complaint about? The original debt was with XXXX XXXX but XXXX , XXXX bought my debt. 
Who are the people involved? The people involved are myself, XXXX XXXX XXXX and my children, XXXX, XXXX and XXXX XXXX, all of which had to suffer because of this hardship. The Law firm is Emerson Law ( XXXX XXXX ), XXXX , XXXX, the company who either bought my debt or a collection agency and XXXX XXXX, the original debtor.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I reached out to the company to request validation, however, they kept providing me with letters [ That I have attached ] stating that the account was " accurate '' and requesting settlement completely disregarding my request for proper validation. I would like this account removed as they are in violation of my FCRA rights of reporting an invalidated debt after numerous attempts to request and resolve it. Proof has been attached. 

I sent disputed in XXXX, Sent a validation in XXXX and sent lettersXXXX, and XX/XX/2021!
Consumer complaint received 2021-11-15
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: EQUIFAX, INC. (FL)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-05-20
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. (TX)

This is XXXX 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 items listed below are still reporting on my credit report in violation of federal law. The 3 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 update the following items completely from my Credit Reports XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}
Consumer complaint received 2021-11-14
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. (NJ)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I have contact XXXX XXXX several times, and every time I dispute the amount shown on my credit report they indicate I owe it to them. I asked them to show me proof of my signature and all they send back is that the debt is valid. I would like for them to show me my signature for the loan they say I owe. They have still yet to provide me with proof.
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (CA)

I have submitted several request for validation and verification of inaccurate accounts on my Experian credit report. Experian states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Experian has ignored my request and now states they will not start another investigation. Experian still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2021-11-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc. (MI)

I am trying to pay my balance off with additional payments. When i make an extra payment, my money is transferred to a 2nd escrow account and not applied to my principal. 
For the last month i have been trying to pay the entire balance and my request for the final balance have been ignored. I cant get the final balance from my mortgage statements because they have my money in multiple accounts and every month the balance owed is incorrect. The Transaction activity is confusing and my funds still have not been applied to my balance. 
It has been a month and i still have no idea how to end this relationship and take ownership of my home.