davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
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. (WA)

I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and 1XX/XX/2018 - Informative, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2020-02-02
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: Convergent Resources, Inc. (FL)

I checked my credit and saw an account from convergent for XXXX. I have never had an account with sprint. I have filed a identity theft affidavit ( reference number : XXXX ) with the FTC. My sister in law XXXX XXXX XXXX used my information to open this account.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

Attempted to purchase from XXXX XXXX XXXX aka XXXX XXXX {$130.00} for school uniforms online XX/XX/2018 AMEX refunded money when same company did not retrieve payment from my account on XX/XX/2018. 
Assuming AMEX error placed a 2nd order {$120.00} paid for via my XXXX card. These items were received. 
One week ago AMEX gave me a NEGATIVE balance for {$130.00}?? 
They FORCED a payment to XXXX XXXX XXXX. 
Then DEBITED {$130.00} when my Social Security check was just deposited. On the SAME day the COMPLAINT was filed. 
Did not perceive my bank and merchant were thieves. 
Filed a complaint with AMEX. Claim it takes 45 days to Credit my account. 
Spoke with XXXX XXXX ( XXXX ) on XX/XX/2018. 
They transferred me to XXXX XXXX ONLY able to leave a message. 
As above date zero RSVP. 
Please Help. I am on a fixed income just trying to help my grandkds. 
I am accustomed to paying for ny own mistakes NOT the mistakes of others.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a dispute regarding my XXXX account : XXXX. The dispute was resolved by your company in XX/XX/2018. This caused a huge drop in my credit score. I want to know what fields were changed in my credit report on this specific account, after the dispute was solved from your end. What information was edited on this specific account and how it differed from what was reported prior to the dispute. Was the " status updated '' date changed? Was the " charge-off amount '' changed? Was the debt renewed? What additional comments or information was added to this specific account? 

Please reply with all the information that was edited after the dispute was solved.
Consumer complaint received 2023-03-18
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX  acct # : XXXXXXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX acct # : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-08
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. (KY)

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 XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-30
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2019-05-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AUTOMOTIVE CREDIT CORPORATION (IN)

my vehicle was repossessed spring of 2017 on a Thursday evening around XXXX I was headed to a late evening meeting and the repo truck meet me behind the vehicle they were taking. I began to get my things out of the car and they began to get very aggressive both verbally and physically. I put my key into the ignition so that I could put the car in neutral for them. As I put the key in the ignition the repo truck operator grabbed my hand and yelled at his partner " I got him key get the key get the key ''. as he squeezed my hand and snatched the key out of my hand. This was a breach of peace. in regards to the debt owed I never received a letter stating my debt I moved from my old apartment. the only way I found out about this debt is because I was contacted by my grandmother who lives in XXXX Ohio and she said that I was being sued I drove to XXXX to take care of it however im not sure how they even obtained her address but I live in Indiana the entire time even when the loan was originated but they're suing me in Ohio for a unverified amount of money that I was not even aware that I had the right to dispute. I contacted Automotive credit Corporation about the debt owed and they said that they would not discussed the debt any further unless they speak to an attorney.
Consumer complaint received 2018-09-08
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 (OH)

I was sent a letter to use my credit card or it will be cancel. I charged a small amount to the card. The problem is that I never received any notification of the bill via email or in the mail because they had the wrong address on this card even those all the other accounts I have with them are correct. I finally saw it when I signed in. I paid it one day shy of 90 days. I have never paid any bill late. I have tried to work this out with them especially since they had a wrong email.
Consumer complaint received 2018-09-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (AZ)

This loan was for training at XXXX XXXX XXXX out of XXXX XXXX fl they filed for bk and out of business i had no job and no income and no credit my dad just got done with a XXXX and the debt was discharged. The loan was reported as closed and current now all the old reporting is gone they have me as a signer and 60 days delinquent. I have received nothing from wells fargo they just go start reporting incorrect information and screwing my credit score because of there incarcerate reporting
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (RI)

This was a charge off from an old debt that midland credit purchased for Pennies on the dollar. They have been sending threatening letters stating that they will take me to court. On XX/XX/2022 I received a final notice stating that failure to reply will result in attorney review. Ive started the process of getting in touch with a public defender in my state but also know that this company has been taken to court many times due to violating the fair debt collections act. I also have paid some of this amount owed when they sent me a legal notice the first time about 2 years ago and have noticed that any past payments made are not reflected on my account. As this was a charge off many years ago and was reflected on my credit report I do not believe I owe midland credit any money as they purchased this old debt on their own will.
Consumer complaint received 2022-03-08
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. (KY)

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 XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Missed two payments in XX/XX/XXXX and XX/XX/XXXX, but I became up-to-date on my payments and paid the entire card off as of XX/XX/XXXX.
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (NH)

I am tired I am with many problems the bank closed my account I dont pay my lawyer of divorce and impossible now I do the complaint because my ex husband did the file of divorce I did contacts with the XXXX and called to the bank I dont received my check since on XXXX I am on XXXX almost 4 months o had many problems with lawyer and my apartament I dont pay because of bank unfortunately I need find a lawyer of the bank pay damages finances and emotional I would like copy of checks I did deposit but the bank never return bank or pay my check
Consumer complaint received 2018-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: College Foundation, Inc. (NC)

As the ( CFI ) College Foundation of North Carolina loan in question is almost 14 years old, I requested a promissory note with the exact amount borrowed, along with how interest is calculated. I received a Master Promissory Note that gave no indication as to amount, and did not adequately explain calculation of interest. Given the age of the loan, I want to determine how much was originally borrowed, and if the lender still owns my debt. Please help me determine ownership and amount of my loan.
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — Store credit 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: Colony Brands, Inc. (AR)

XXXX XXXX keeps ignoring my request to discharge debt as fraudulent debt the charges are fraud related. and stop calling my cell and family cell numbers.FURNISH COLLECTION AGENCY INFO.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Remex, Inc. (NJ)

Dear CFPB Staff, My complaint is about Remex, Inc who submitted a derogatory posting to my credit report. I believe that, given the timing of their credit report posting, that they took this action with pernicious motives. 

Towards the end of XX/XX/2018 or beginning of XX/XX/2018, I started receiving telephone calls/messages during the daytime from Remex , Inc . They would call my personal cell phone and my work telephone number. My job requires a high degree of concentration with minimal interruption, so I could not answer these calls. However, they left messages indicating that it was a bill collection matter. 

Therefore, after finding out that this was related to a medical bill that I had overlooked, I initiated an FSA payment to XXXX XXXX XXXX  ( the service provider ) on XX/XX/2018. XXXX XXXX XXXX received the payment on XX/XX/2018. I also wrote a letter to Remex requesting that they stop their telephone calls and quoting the FAIR DEBT COLLECTION PRACTICES ACT ( the letter was mailed out on XX/XX/2018 ). In the letter, I requested that they submit any future bill-related communication in writing. 

To my surprise, on XX/XX/2018 I received a text message alert from XXXX that there was activity on my credit report. When I logged in, I found out that Remex had issued a derogatory on my XXXX credit report. This derogatory was posted by Remex on XX/XX/2018. This action by them was taken 17 days after XXXX XXXX XXXX received their payment. 

Given the more than three-week lag between the time of my payment and their derogatory posting together with my written notice to them, I believe that their credit report posting was a retaliatory action that was taken to cause harm. 

ATTACHMENTS : XXXX XXXX XXXX - Proof of Payment - XXXX XXXX XXXX - XXXX Remex - Cease and Desist - XXXX - with XXXX XXXX XXXX XXXX Remex Credit Report Derogatory XXXX XXXX
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020
Consumer complaint received 2018-09-09
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. (IL)

Account ending in XXXX Please do not close this complaint. It is NOT a duplicate. Citi has never responded to this issue, please do not close this!

Citi is not handling a dispute accurately. I ordered supplements online with XXXX XXXX The box arrived and was filled with the wrong supplements, I contacted the seller and they sent me a return label for a return and refund or replacement. The items were sent back but they refused to refund me. I opened a dispute and citi has basically ignored the fact and supporting documents. I have proof via email the box was returned and was the same weight it was when received. I have photographs of the contents and confirmed they are items sold on their site. I also have emails proving the company will refund me but then won't. This is a cut and dry case for my bank to step in and file a claim but they have dropped the ball. 

I am now getting charged with late fees and service fees because I refuse to pay on the account until this is removed, this charge is my only balance. 

XX/XX/2018 XXXX XXXX XXXX NC Expand Details
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (PA)

I received a background check from XXXX XXXX XXXX that has false information on it. It states that i am a XXXX XXXX and that i have a federal criminal record.
Consumer complaint received 2022-07-10
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: Dyck-O'Neal, Inc. (CA)

According to CFPB 1006.34 Notice for validation of debts did not provide me with a proper validation of information required by law. For this account on my consumer credit report file. XXXX XXXX Account : # XXXX, XXXX. 
WHERE IS THE PROOF OF THIS INFORMATION? 
According to CFPB 1006.34 Notice for validation of debts ( a ) Validation information required. 
( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).

The Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure.

1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule :