davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

I did not contact Navient because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my student loans as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my freaking score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!
Consumer complaint received 2021-01-21
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. (GA)

Under FCRA my rights are being violated by the bureau. I initiated a dispute on XX/XX/XXXX and no results were yielded. I placed a complaint with CFPB 60 days from the initial letter on XX/XX/XXXX. The bureau was given 60 days to verify this inaccurate information already. This is a violation of my rights to extend any more days to verify inaccurate information. The bureau needs to delete this inaccurate information immediately. I have attached the company 's response to my complaint, my license, the dispute letter and bank statement.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX ; XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$13000.00} on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and SSN Card for identification purposes so the bureaus will investigate my complaint. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2017-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.C. Accounts Recovery (U.S.A.) Corporation LLC (NJ)

In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?
Consumer complaint received 2022-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2022-10-06
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. (WI)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-27
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The Listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

We want to report complaint for the CHASE bank. 

We mailed out a check to our vendor, and the check got stolen and cashed by a thief over the ATM machine. The thief cashed the check around XX/XX/2021 and the check amount is {$32000.00}. When our vendor called us and said they did not receive payment, but bank statement showed the check was cashed. We realized the check was stolen and cashed. We immediately contact our bank and we had to go through many departments to talk to the right person. We report the issue to Chase credit fraud department, and they said the thief cashed the check in XXXX XXXXXXXX ATM, so they are not responsible for fraud and can not return the money. We have to call back and forth many times between CHASE and XXXX XXXX. Then Chase said they will open case for investigation. After almost a year, they said the case was missing some information and it will be closed. Unless we send them new information. They want a police report from us, so we went to police station, and police department suggested us to report the letter stolen from the USPS to ahve their own police department to do the investigation. We report the issue from The USPS and have the case number. They will conduct the investigation. But CHASE did not perform their due diligence. First, the thief 's name is different from the check, and they did not verify. Second, they did not verify the signature. And they try to excuse themself from this issue.
Consumer complaint received 2022-10-06
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: SYNCHRONY FINANCIAL (NC)

Regarding Synchrony for Amazon XXXX I obtained a Synchrony card and there are {$310.00} worth of fraudulent charges on the card. All of the charges are Amazon XXXX charges, including XXXX, XXXX, etc. I provided the company with a detailed list of each charge in writing. I also paid the legitimate balance and closed the account. The company is unreachable, online chat resolution is ineffective. Calls go to an outside call service and are dropped after 15-2- minutes of holding, or transferred until finally dropped. The email section of the website is out of order. I would like the company to research and omit the fraudulent charges and stop sending me bills.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 I am being hit with 2 Hard Inquiry 's from XXXX card I never made or authorized said inquiry 's I tried calling XXXX which they had said they would remove these inquiry 's due to the fact they are fraud and I did not currently request a XXXX Card.
Consumer complaint received 2022-10-06
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. (MS)

Experian has not in compliance with CFPB because after numerous times of disputing an account on my report the have yet to correct the problem. My XXXX XXXX account is showing 60 days on Experian but XXXX and XXXX both show it as paid as agreed. DATES OPEN do not match, Account details do not match, High credit does not match, Credit limit doesn't not match, Payment status does not match, Last reported does not match, Date of last activity does not match, Date of last payment does not match. Also the comments definitely do not match. XXXX has dispute resolved reported by grantor. XXXX has closed or paid, XXXX balance, account closed by grantor. EXPERIAN has dispute resolved reported by subscriber. How can this be true when 2 other bureaus have it closed and paid as agreed by the grantor. I count 9 violations in total. 9x {$1000.00} = {$9000.00} that should be paid to me as a result of uncorrect information on my credit report. 

15 U.S.C 1681 SECTION 604 A SECTION 2 clearly states a consumer reporting agency can not furnish a account without my written consent.

I clearly didn't give them consent to report this account and nevertheless inaccurately.

15 U.S.C 1681 SECTION 602 A states that I have the right to privacy as well.

This is clearly an invasion of my privacy. It is also hurting me financially.
Consumer complaint received 2023-01-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by Defi-ai.org, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to a fraudulent investment firm.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC. (GA)

I have attached a copy of a screenshot showing Ally advertising the interest rate being 2.25 % when you can see that it is actually 2.225 %. This is a small part of a big problem at Ally Bank. A 5-minute wait is too long ; never mind the XXXX minutes I wasted waiting on XX/XX/22 to speak to an agent.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XXXX of XXXX Bank of America reported a 30 day late to the credit bureaus which is incorrect. I make my payment on time every month. There was a balance that I was not responsible for due to Fraud but I still made my payment. Bank of America confirmed this was an error and said nothing was reporting 30 days late during this period however it still shows on my credit. I requested Bank of America to correct this on multiple occasions with the credit bureaus and when I followed up with the credit bureaus and disputed this inaccurate information they advise that Bank of America confirmed the 30 day late in XX/XX/2017 but when speaking with Bank of America they advise nothing was confirmed and to open a new dispute with the credit bureaus but I was informed a new dispute could not be opened. I am requesting the inaccurate 30 day late reporting in XX/XX/2017 be removed from my credit history
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I had a trial payment with specialized loan servicing and I had a lengthy hospital stay and missed my XX/XX/XXXX PAYMENT, I CALLED AND WAS TOLD I COULD NOT PAY FOR THE MISSED PAYMENT, THAT THAT DAY WAS THE LAST DAY, SO I CALLED LATER AND ASKED AND THEY SAID MAKE PAYMENT, SO I WAS AT GROCERY STORE FOR XXXX XXXX AND CALLED FOR THE INFO AND IT WAS CANCELLED, I CAN MAKE MY PAYMENTS, BUT I AM TOLD THAT MY HOUSE WILL BE SOLD ON XX/XX/XXXX, TODAY IS THE XX/XX/XXXX, IT WAS NEVER POSTED IN THE NEWS PAPER OR I WAS NEVER NOTIFIED, THIS IS WRONG, AND I WANT SOMEONE TO HELP ME, I AM GOING TO THE MEDIA, I WAS IN THE HOSPITAL DUE TO XXXX XXXX, I AM XXXX AND JUST WISH TO STAY IN MY HOME, ... ... .I JUST CALLED THE LAWYER XXXX  XXXX XXXX AND THEY TOLD ME THAT BY LAW THE PROPERTY HAS TO LIST IN THE PAPER FOR 4 WEEKS AND I HAVE TO BE NOTIFIED 30 DAYS PRIOR TO MY HOUSE BEING SOLD, SLS SUPERVISOR TOLD ME THAT MY HOUSE WAS BEING SOLD XX/XX/XXXX AND I HAD TO ACCEPT THIS, WHY WHY WHY WOULD SHE DO THIS TO ME, I AM XXXX AND XXXX AND SHE JUST CAUSED ME TO HAVE A SET BACK IN MY HEALTH, MY XXXX XXXX WENT UP AND MY XXXX XXXX   TO A VERY LOW POINT ALL BECAUSE SHE WAS BEING NASTY AND LIED TO ME, WHY WHY WHY DID SHE LIE TO A XXXX PERSON WHY?
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (IL)

I AM IN NEED OF YOUR ASSISTANCE TO COMPEL CORELOGIC/CREDCO TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). 

THIS WILL ASSURE ME THAT COMPANIES SUCH AS CORELOGIC/CREDCO WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. 

I HAVE RECENTLY SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY CORELOGIC/CREDCO REPORTS. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO CORELOGIC/CREDCO ) ALSO ENCLOSED WITH THE LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. 

CORELOGICS XXXX RESPONSE WAS ; TO DEFLECT BY ASKING ME TO CONTACT THE THREE MAJOR CREDIT BUREAUS, RATHER THAN COMPLYING WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, AND PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. 

THEREFORE, I AM ASKING CFPB TO COMPEL CORELOGIC/CREDCO TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. 


EXHIBIT 1 LETTER SENT TO CORELOGIC/CREDCO EXHIBIT 2 CORELOGIC/CREDCOS RESPONSE
Consumer complaint received 2022-01-07
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. (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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

I have a account with Chime as authorized signer of account/owner, I have disputed items that were unauthorized and requested refund either to not receive it to only receive partial, I reported unauthorized transactions only to be locked out of my account which was supposedly for only 48 hrs, ended up a week before any access, and same day I gained access account was again placed on hold with out my express written consent, their power of attorney has been revoked, My account is currently still on hold asking for same information provided 3'xs in less then 3 days, this my Final notice : acquiescence means and agreement, My intent is to sue should this go unresolved past the 1 day notice I am giving Fees : XXXX every hour locked out of account XXXX for every currency not replaced that are fdic insured XXXX for any contact unrelated to resolving this matter XXXX for use of my private information without my express written consent XXXX for delay in providing information needed, such as who is signer on account? who has without my consent signed to be power of attorney on account?
Consumer complaint received 2018-03-28
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 (FL)

My credit card account at American Express was closed over a year ago. In error I made two electronic payments through my online XXXX banking account on XX/XX/XXXX in the amount of {$1000.00} and one on XX/XX/XXXX in the amount of {$2000.00} both of which were cashed by American Express ( Please refer to copies of bank statements ) which have not been returned to me. I have spent over eight hours with several different American Express account managers, none of which will help me to recover my money. The last supervisor I spoke with told me that they could not help me as my account had been closed and that I needed to contact XXXX card to open in investigation. I told him XXXX card had nothing to do with the money and that American Express is the responsible party. He ended the conversation with a sarcastic " Good luck to you. '' XXXX also opened a dispute, however American Express refused to speak with a Third Party. Another supervisor I spoke with on XX/XX/XXXX XXXX # XXXX indicated that this problem occurred previously with XXXX cards and XXXX and customer funds not being returned or applied appropriately.
Consumer complaint received 2020-07-22
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. (NY)

On or about XX/XX/2020, I submitted a dispute letter disputing information on my credit report to Equifax. Then, on or about XX/XX/2020, I submitted another dispute letter disputing the information on my credit report that was not resolved in my opinion. Finally, on or about XX/XX/2020, I submitted a dispute letter disputing the results of the investigations. I had supporting documents from the company they said that they received the information from. It was a third party company called XXXX. I contacted XXXX, they said that they did not have ANY information on me. I also contacted the court who also was to have supplied information about me. The court DOES NOT supply any information to credit reporting bureaus. I do not feel that Equifax resolve this dispute.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AR)

I'm member of rentreporters.com who report my rent being paid each and ever month to all credit bureaus. Experian, XXXX and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my race, color, age, sex, martial status. To qualify for home loans.
Consumer complaint received 2021-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

This debt is not owed to UNITED REVENUE CORP by me. At no time have I ever owed any debt to UNITED REVENUE CORP . If this debt was originated with another debtor, it is the responsibility of that debtor to seek payment. To my knowledge the original debtor Texas XXXX XXXX has sold this debt to UNITED REVENUE CORP . If this is for a medical procedure or medical service that has been performed on my behalf, to sell this debt to the UNITED REVENUE CORP is a violation of HIPPA LAWS. And should be removed from my credit report. I have addressed this by disputing this with XXXX, who continues to erroneously report this account as a collection. And to date no satisfactory resolution has been implemented. I am a XXXX Veteran in a fixed income who has been negatively affected financially by the COVID-19 Pandemic. I will need this item removed from my report as it is in violation of my HIPPA rights concerning medically sensitive information.