davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KS)

It has been over 120 days since i have been trying to get Equifax to address inaccurate information that i found on my credit report. My first letter was sent to them on XXXX and i simply asked them to verifity that the information on there was correct. They never verified the information or send me proof of verification, or even the method they used to verifiy the information. I've sent certified mail on XXXX as well as every 30 days inbetween XX/XX/XXXX and XX/XX/XXXX. I also reached out to some of the companies that were reporting the information prooving that Equifax is reporting inaccurate information on my consumer credit report. To this day Equifax has yet to send me any information regarding their investigation. The simply report " verofoed by consumer '' on my credit report. How is this legal? This defineitely does not follow Compliance Procedures when it comes to accuracy, communication or time of the investigation. They are knowingly and wilfully reporting false information which is causing me stress and hurting my abillity to get a promotion at my job. I know Equifax has a huge responisibility when it comes to consumer reporting, but they have failed to do that with me. Either they are simply lying to me, or they just aren't doing their job according to the Fair Credit And Reporting Act. I need you to help me get them to remove this information becuase it has been reporting inaccurately for way too long.
Consumer complaint received 2022-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Link USA, LLC (TX)

XX/XX/2022 I got calls and voicemail from an unknown number of XXXX XXXX from XXXX County, that was contacting me in regards to claim # XXXX XXXX county XXXX order of location, and the phone number I received was XXXX. Called began on XXXX till XXXX when I changed my number and put my old phone, house phone, and new phone on the " Do Not Call '' registry. Now on XXXX ten days later, they harassed a family member of mine from out of California with the same information regarding a claim file against me within XXXX county and a warrant for my arrest apparently. Despite I called the XXXX County 's Sherriff 's office no warrants exist for my arrest I've called on XXXX at XXXX XXXX and now again this evening on XXXX at XXXX XXXX  to verify. This is a nightmare for me and my family. Please help!
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION (GA)

I HAVE BEEN A MEMBER WITH NAVY FEDERAL SINCE XX/XX/2019, I HAVE APPLIED FOR THERE CREDIT CARD, MORTGAGE PROGRAM, AUTO LOAN FINANCE AND ALL BEEN DENIED, MY MOST RECENT APPLICATION, I APPLIED FOR UNSECURED CREDIT CARD APPLICATION AND WAS DENIED, I HAVE HAD A SECURED CREDIT CARD PLUS 3 ACCOUNTS CHECKING SAVINGS AND BUSINESS ACCOUNT ALL IN GOOD STANDING, EACH TIME IVE BEEN DENIED FOR ONE OF THERE SERVICES I HAVE NEVER RECEIVED A DENIAL LETTER EXPLAINING WHY I HAVE SENT EMAILS TO THERE RECONSIDERATION DEPT XXXX EACH TIME, ILL RECEIVE A CALL FROM A REP, THAT JUST REINTERATES THE SAME SCRIPT THAT MY ACCOUNT IS REVIEWED EVERY MONTH AND THAT THERES NO SPECFIC TIME WHEN ILL BE CONSIDERED FOR AN INCREAE OR I SHOULD RECEIVE A LETTER IN THE MAIL WITH MORE DETAILS, IN ANY EVENT SINCE BECOMING A MEMBER MY CREDIT SCORE HAS IMPROVED TO OVER 700 BY WAY THROUGH THEIR APP, SO I ATTEMPTED AGAIN AND WAS DENIED AGAIN, AFTER REQUESTING PROOF OF INCOME, BY WAY I SENT IN MY RECENT PAYSTUBS YET THEY DENIED ME FOR UNABLE TO VERIFY INCOME TO WHICH I HAD TO CONTACT THEM TO FIND OUT WHY, WHEN I NEVER RECEIVED A LETTER, WHEN I SUBMITTED THE APPLICATION, I HAD TO SEND AN INQUIRY THROUGH THEIR MESSAGING SYSYTEM THROUGH THEIR ONLINE SYSYTEM, TO ASK, AN A REP RESPONDED THAT ITS BECAUSE THEY COULDNT VERIFY MY INCOME WHEN ASKED TO SUBIT MY TAX RETURNS, THERE WAS NO REQUEST OF MY TAX RETURNS THERE WAS A REQUEST FOR " PROOF OF INCOME '' WITH PAYSTUBS, TAX RETURNS BEING AN OPTION, YET THATA THE REASON THEY DENIED ME, FOR A VERY LONG TIME IVE BEEN SENSING IS A SENSE OF DISCRIMINTATION FROM THEIR UNDERWRITING DEPARTMENT AND I CAN NOT SEEM TO GET A DIRECT ANSWERS ON THESE DENIALS THAT MAKES SENSE, IN ADDITION, I ACCIDENTIAL REQUESTED AN OLD STATEMENT AND THEY SENT ME A MESSAGE SAYING UNABLE TO SEND THE STATEMENT UNTIL I CHANGE MY ADDRESS BUT YET SENT THE STATEMENT VIA XXXX XXXX AT THE SAME TIME, WHICH A CONTRADICTION OF THE COMMUNICATION, I SENSE THAT THESE REPS ARE NOT ON THE SAME PAGE, AND I FEEL THEY ARE NOT PRACTING LEGAL TACTICS UNDER CONSUMER LAWS
Consumer complaint received 2023-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (IL)

I sent a letter out XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Bank req verification of debt. Howerever its been more than 30 days and the creditors failed to send my investigation back.This is not making any sense. 

According to the law Act 15 USC 1692g I have the right to request validation of debt and creditors have up to 15-30days to respond.

I have yet to receive any documents in the mail VERIFYING debt they claim I owe, bearing signatures of contract nor how or who they are getting their information from.

By Law if no verifications proving I owe any debt has not been verified or sent to me by mail within the 15 day time frame accounts were demanded to be deleted due to them not proving the debt owe, bearing signature or how this information was received. 

These companies have violated my rights per FCRA.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022, I received the emailed offer below from Capital One : Congrats, You're Invited Opportunity : Find out if you're pre-approved for a new card with no credit score impact. 

I applied, was pre-approved and offered three choices of cards. I chose the XXXX XXXX. Their system did an additional check : 1. Denied my application. 2. The second check was a hard inquiry which negatively impacted my credit score. 
The result was no credit card and a XXXXXXXX XXXX drop of my credit scored.
Consumer complaint received 2021-05-13
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)

I sent a dispute letter to XXXX  and Equifax about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-25
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Venmo has frozen my account, as well as the funds in it, leaving me with no way to retrieve my funds. 

My account is frozen because I closed my bank account, at the suggestion of my bank, after falling victim to a scammer. Venmo is aware of the scammer, but has not taken any action against him. 

I think that it is illegal for Venmo to hold my funds without any way to retrieve them. If Venmo wants to go through the collections process to retrieve the funds from the scam, then I would understand that. I am just asking for the funds that are currently in my account to be released.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Re : Claim # XXXX for account ending in XXXX Give a man a XXXX and he can rob a bank, but give a man a bank, and he can rob the world. 

This is exactly what Capital One does, they are not alone however, all banks do this. They do this because we the American people and our govt allows this corruption to take place. 

Capital one claims to protect the consumer from fraud, the facts speak different. I was charged {$800.00} for a service I was told was {$20.00} I reported this to capital one. And they stated that the merchant sent them a receipt and that my claim is denied because of this. How does a receipt justify charging me XXXX  $ fraudulently? Anybody can make a receipt and even with a receipt, if the merchant changed the price on me at the last second what does a receipt have to do with me being scammed?! Makes no sense. 

Dont bank with capital one. 
I will be filling a lawsuit and making additional complaint to govt agencys to hold them accountable
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (IN)

In XX/XX/2021, I sent Alliance Collection Agencies a validation of debt letter for them to verify a debt they were reporting on my credit report. In XX/XX/2021, they sent me an itemized statement for my account. In this statement they included medical procedures, medical codes, and descriptions of procedures that was done. This is a direct HIPPA violation and I totally feel violated.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Im writing this letter to file a formal complaint. You are reporting inaccurate and misleading credit information on my credit report. 

Thus, the inaccuracies and misleading information your company is reporting is placing me in distress. I demand that your company use 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. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have received a refund to my card with this particular bank XX/XX/XXXX I have not received this refund of my funds I have called them and they seem to not know where my refund is even though it was not declined and returned to the merchant I have tried to resolve this on many occasions everyone has a different answer and have not been helpful at all
Consumer complaint received 2022-07-05
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 2022-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-12-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: KEYCORP (NY)

Every month i pay my bill on time. However the last two months i have been receiving constant phone calls as if i am not paying. Each time it some company associated with Key Bank. They are stationed in the XXXX, XXXX, and XXXX was in XXXX. When i start to complain they transfer me to some one at Key Bank. I ask why they are calling me and they just give me some run around with no actual answer. That is however not the worst of it, my father co signed my college loan with me. So they call him as well. They called him 7 times a few days ago. But the bill was paid. I could not understand. I have about 6 missed calls on my home phone from them. at this moment. If i am paying my bill on time, every month why are they calling me like i am a criminal. And it is not a cheap bill either. I pay almost {$500.00} a month to these people.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Consumer complaint received 2022-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

I had a student loan with a FirstMark Services and sent a check on XX/XX/XXXX to payoff my loan. FirstMark applied my payment on XX/XX/XXXX ending in a large credit balance of {$1600.00}. My payoff cheque sent was over the amount I owed. 
I called Firstmark for the second time since the payoff and was told that I will not receive the funds for another 3 weeks. The first time I called I was told I would have the funds by XX/XX/XXXX The refund amount {$1600.00}
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I requested the Credit Bureaus to verify the debt of XXXX XXXX I have not received any updates of any of my requests. I also contacted XXXX XXXX directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.
Consumer complaint received 2022-01-24
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (CA)

On XX/XX/2021, I requested the Credit Bureaus to verify the debt of Convergent Outsourcing. I have not received any updates of any of my requests. I also contacted Convergent Outsourcing directly and they have to response to my multiple requests for them to verify this debt actually belongs to me with a signed written agreement as the Fair Credit Laws entitle me.
Consumer complaint received 2022-03-27
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. (OH)

I recently received a copy of my XXXX, XXXX, and Experian credit report and I noticed some inaccurate information posted on my consumer report regarding late payments. 

XXXX XXXXXXXX XXXX  XXXX ( 6 Late payments ) XXXX XXXX XXXX XXXX ( 1 Late payment ) Your company is in clear violation of the law, Pursuant 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX, XXXX, and Experian making the report is not INCLUDED on my consumer report! 

A late payment is a transactional history, my HISTORY with your company. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

Your company has violated the FCRA 15USC 1681a 2Ai by reporting this transaction or experience between the consumer which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.