davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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)

There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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)

There is Information on my consumer report that is a result of identity theft. I did not agree for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed an initial complain with CFPB on XXXXXXXX XXXX XXXX  and just found out it was never processed on your system. I'm reproducing them now so as not to repeat myself.
Consumer complaint received 2020-02-24
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: U.S. BANCORP (VA)

Filed dispute for refund not provided as a result of merchant not providing the service paid for. Received a request for information in mid-XXXX and supplied the information. Received letter dated XX/XX/2020, my case was closed due to not receiving information. Called, they said info received. Case manager called me and left message. Two attempts to call back were not returned by case manager. Spoke to general customer service who requested additional details which were provided. About one week later received letter saying case is closed due to insufficient information. However, as described all requested information has been provided.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica (MD)

My direct express card was stolen and I've been trying to have a replacement card sent to me. The individual that stole the card changed all the information on my account. For several months I attempted to cancel the card to stop this person from using my card and staff failed to cancel the card until an investigation was conducted. Now to get a new card I verified my information by faxing documents over six times to five different fax numbers staff is telling me that now I need a XXXX from social security. In which I sent a signed form to them. Truly, frustrating the lack of effort shown to resolve my problem. This matter shouldn't have taken two months.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (TX)

American Express continues to block access to my Optima account online, and has refused to send me hard copy of the bills on the account, starting in XXXX, XXXX. During all this time, I have made steady payments of {$45.00} per month on the Optima account, always for delivery from my bank checking account on or before the XXXX day of the month. 

My previous complaints to CFPB highlighted the fact that my payments on the Optima account appeared to be directed to my other American Express Account, the EveryDay Blue Card, while the Optima account showed no payments recorded. This same trouble with American Express accounting incorrectly for my payments has occurred 4 times in 4 separate years. In XXXX, XXXX, when this latest trouble with American Express began, I demanded hard copy of the bills on both of my American Express accounts, but my request was ignored. Then my online account access was blocked for both accounts. Thus I have no way to verify what payments are noted and which ignored, nor to summarize the endless list of fees assessed on this Optima account. 

Within the month of XXXX, I received 6 letters from American Express, 4 informing me that my Optima account is more than 60 days overdue, and 2 bills showing that my American Express Blue account is no longer receiving any credit at all for the American Express Optima payments. Thus, my Optima payments are being illegally taken by American Express with no credit for the payments allocated to either of my accounts. Furthermore, American Express has now illegally informed 4 credit reporting agencies that my account is overdue. 

I have no way of correcting this situation without the intervention of a regulatory agency, as proof of this illegal taking of my payments is not verifiable without bills or online access to this account. 

I am certain that other American Express Optima cardholders must be experiencing similar problems. I attach for CFPB consideration the online reviews for the American Express Optima cards available from XXXX and from XXXX, which make it clear that American Express does not treat Optima cardholders equitably. 

It is time for federal regulators to address the illegal actions of non-bank credit card companies, including American Express and XXXX XXXX. Managements of both American Express and XXXX XXXX have made public comments indicating that the rules affecting bank issuers of credit cards do not apply to them. In fact, the CEO of American Express said in XXXX " we are not a credit card company '' when making excuses for his decision to ignore federally mandated COVID relief requirements for credit card holders. 

A review of all of my previous filings with CFPB, including the years prior to XXXX, will verify that this situation with American Express has been repeatedly reported but has never been corrected.
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

on XXXX XXXX XXXX, Equifax, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX XXXX XXXX, XXXX, and Transunion is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2023-07-25
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. (CA)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-08-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

on XXXX XXXX Experian, XXXX, and XXXX is still reporting XXXX XXXX on my credit report for XXXX. I have made several attempts to have them remove the account and they keep sending me emails saying the investigate is done and accurate. Below is the letter that I wrote to them and they still denied my requested. 

I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Consumer complaint received 2022-08-31
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)

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.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-31
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)

In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-31
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. (NY)

XXXX XXXX and transunion they keep putting old stuff back on my credit report and I keep trying to send paperwork it's in paperwork then I give them my identification I give my proof of everything and they keep putting old past stuff back on there and it shouldn't be it's all paid in full everything is XXXX there's something definitely going wrong I should have a XXXX score all that stuff on there is wrong
Consumer complaint received 2022-04-14
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)

Earlier this week, I submitted a partial payment on my student loan with AES, which was late at the time, in the amount of {$60.00}. Their system pulled the full monthly total of my loan, {$390.00}, from my deposit checking account, which triggered a significant overdraft. As a result of the initial overdraft, three other pending transactions also overdrafted on my account, which will trigger additional fees.

I contacted AES today when I attempted to buy groceries and found my account was in overdraft status. They recommended that I follow up with my own bank, XXXX XXXX, and put a stop payment on the transaction. Unfortunately, the window for that request passed, so the funds went out. 

AES did not know why their system pulled the incorrect amount. They did acknowledge that I inputted the payment amount manually, but they offered little insight into how their payment system failed. 

AES may refund the money, but I am now with a negative balance until my next paycheck, which will now be that much less due to fees and the original overdraft amount. AES acknowledged that any refund could take weeks and would impact my account status. I requested that they file an internal complaint to track the matter in case this was impacting other borrowers. 

This is their system 's fault, I've been harmed financially, and I believe this complaint is justified under the circumstances. Thank you for your time.
Consumer complaint received 2022-08-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

In XX/XX/2022 I entered into a FHA loan modification agreement with my mortgage company, New American Funding, due to impact from the pandemic, and in accordance with the C.A.R.E.S Act. I signed and notarized the loan modification documents and submitted them to New American Funding within the prescribed time. However, after several inquiries and weeks had passed, in XX/XX/2022 I learned that New American Funding had made mistakes in those documents which required me to resubmit and notarize another set of paperwork. Although since XX/XX/2022 I have complied with the modification payments my account with New American Funding has been restricted and shows a delinquent status. On XX/XX/2022 I received a letter from New American Funding stating that my account was restored to normal status and then only a few days later my account was back to a restricted and delinquent status. I received my XXXX mortgage statement which shows 3 months of mortgage payments in arrears. This issue is very distressing and confusing. The processing of this FHA loan modification has been terribly mishandled. I have received misleading information from New American Funding XXXX XXXX department regarding the status of my account. I am seeking relief in the form of my account being updated with the past amounts static under the terms of the loan modification and in accordance with the C.A.R.E.S Act.
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MO)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (MI)

i called the credit bureaus XXXX, XXXX, experian and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX have 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 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (KS)

Yes Jefferson capital system is saying that Ive owe them a debt from XXXX XXXX, Ive never heard or had any account with XXXX XXXX. I have received mail from Jefferson capital with someone else name its close to my name but its not me and I have submitted this to the credit bureaus trying to get this Collection removed from my report with no success.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

i called the credit bureaus XXXX, equifax, XXXX and asked them to correct my credit reports. They would not they said that the inquiries were a statement of fact which is not true. They refused to investigate the inquiries.
Consumer complaint received 2022-09-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 

XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} XXXX Late Dates XXXX