davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (OH)

I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

When I recently raised a discrimination complaint against Equifax , they retaliated with my and reinserted XXXX prior State Tax Public Records which were previously deleted and paid. These public records were not on my file in XX/XX/XXXX and were deleted by Equifax last year in 2015. This is blatant Credit Discrimination in itself towards XXXX XXXX who are trying to progress financially and obtain access to credit as other majority U.S. Citizens. I am requesting the GA State Public Records be removed from my Credit File which were previously deleted by Equifax.
Consumer complaint received 2022-09-08
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that these companies absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 and XX/XX/2020 I wrote to transunion about collection account that was on my credit report that do not belong to me. please help
Consumer complaint received 2018-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was not late for the dates shown in XX/XX/XXXX-XX/XX/XXXX. All other dates are N.A. they have removed this one other two credit reports but have not on XXXX.
Consumer complaint received 2017-10-02
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: AMERICAN EXPRESS COMPANY (GA)

I applied for American Express Gold Delta SkyMiles card on XX/XX/XXXX. I applied under company advertise saying XXXX delta airlines bonus which was published online and also advertised in XXXX flight. I applied and was approved and received my card in 2 weeks. Card required me to use > XXXX $ in first 3 months to receive bonus miles. I actually used > XXXX in first 2 months and did not receive bonus miles. WHen I called American express company, I was told, ' We do n't guarantee bonus miles to everyone and give the bonus on the case by case basis. I applied for this card back in XX/XX/XXXX but I cancelled the card before I received it and never received the card. I had never owned gold delta card before, never used it before and have never received any bonus miles on this card. However, American express company is denying to offer me bonus miles ( XXXX, which is worth about XXXX to XXXX $ travel ). When I called and requested to talk to their supervisor, they hung up the phone on me and on calling again on waiting for 50 minutes on phone, they are not connecting my call anywhere so I can talk to anyone. I am not sure what I can do at this point.
Consumer complaint received 2022-09-08
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

I am a concerned consumer and I am aware that Dept of Aidvantage may be infringing upon my rights to privacy by violating the Fair Credit Reporting Act according to the Gramm Leach Bliley Act 15 USC 1681a ( 2 ) I, consumer have the right to opt out of any and all consumer reportings and as of today, XX/XX/2022 I am exercising that right to privacy and request to no longer receive these consumer reports.
Consumer complaint received 2022-03-10
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. (DE)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX-60days ; XXXX-30days Collection : ( Original Creditor : ) XXXX Balance : {$92.00} Inquiries : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XXXX XXXX
Consumer complaint received 2017-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (GA)

Good morning, Back on XX/XX/XXXX I paid for a lawyer by the name of XXXX XXXX in XXXX Alabama in the amount of {$1000.00}. Court was on XX/XX/XXXX. I also paid on behalf of my XXXX, XXXX XXXX. XXXX XXXX did not represent XXXX the day of court, he did n't speak to the judge, he did n't present any evidence on XXXX behalf to help his case, and he did n't do anything he promised to do. We basically got to court and said to XXXX this judge seems like he is n't going to do anything for us. He then told XXXX to take a plea and we wo n't be going to trail. This lawyer took the money but did not do any work for it. The lawyer did n't go to the hospital to to get any evidence or take the case to trail for which we paid the {$1000.00} for. I then called the bank on that following Monday after I could not reach the lawyers office to get my refund. I filed the dispute, I was then given a provisional credit in the total amount. The bank says they send me two forms for me to complete regarding this dispute but I never received anything in the mail. I filed the disput on XX/XX/XXXX that following Monday after the court date and after not being able to get a hold of the lawyer. XX/XX/XXXX I  noticed that the credit was then reversed. In my mind I feel like my account was being montoried because the reversal happened as soon as my refund check from college was taken. I filed again on XX/XX/XXXX, I did n't receive anything in the mail so I got concerned and called the bank to find that my dispute was denied again due to the timing. I still have not received anything in the mail!!!! I feel that the bank prolonged my dispute so that I ca n't do anything about it and it 's unfair to me because if I 'm the customer and I say I have not received anything in the mail regarding my dispute of {$1000.00} I would n't lie. I 'm a single mother of XXXX now. This matter is very important to me and my small family. I would n't receive something in the mail from my bank and not respond in a timely manner regarding this much of an amount. I filed a dispute again today XX/XX/XXXX and I have also requested to speak to a manager, I was told that I will get a call back. The bank should have contacted me if I could not be contacted through the mail. I have my email on file and also my phone number. When money is not in my account after losing my job the bank called me almost every other day!! When my account was in the negative the bank called me but never brought up the fact that I did not turn in any of my forms for my dispute case! Now the bank is saying they do n't call or monitor accounts to be able to call me.
Consumer complaint received 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

There were XXXX charges to my sams master card synchrony bank card that I did not authorize. 
XXXX for {$57.00} and XXXX for {$29.00} on XXXX and XXXX to the sams .com name .. Cancelled card and are waiting new card.These charges still remain on my account. Not happy with the way this is being handled.They are very slow.When this has happened before with other cards there was a quick resolution.Very agrivating dealing with synchrony bank
Consumer complaint received 2019-03-04
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. (AZ)

TransUnion I contacted and the rep told me that what ever is on my account stays on my report for 2yrs. However, I used my account for a car from XXXX in XXXX, az. Then at XXXX in XXXX, az. Before that I bought bedroom mattress queen set ( bedroom store ) in XXXX.Making monthly payments each month. Then I bought a living room set from XXXX XXXX in XXXX. Again making monthly payments still not reported. Now I know dealership call several companies to get a loaner, but not that many. I really need help with this because I have sent then companies : TransUnion, XXXX, XXXX. Copies of fully paid off accounts etc. And they will not take it. And there are companies I do not know about. Sorry I for got to tell you that the Hard Inquires on my credit report are not mine not all of them. Please help me. They need to be removed.
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

To whom it may concern : I am writing to dispute the information reported on my credit report, regarding XXXX Bank Student loan. I have already contacted my creditors and no changes have been made. I have been making payments to this creditor, in the amount of XXXX dollars monthly, for a year. They do not report my payments, or the account correctly. They report that I pay XXXX dollars monthly, when I was previously paying XXXX dollars. The XXXX creditors do not report this account correctly. 

All XXXX creditors provide XXXX different monthly payments made towards my debts and different amounts owed. I have contacted them many times to remove erroneous account but they have not corrected this error. 

My name has also been an issue. I have been linked with my mothers name, so many times I changed it. The only names I have ever used where XXXX XXXX, XXXX XXXX, and my current legal name, XXXX XXXX. I have never used XXXX XXXX, that is my mother. I am incorrectly reported to have used the name XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX and this needs to be removed from my record. I have contacted the XXXX creditors and provided them with legal proof and yet I am still receiving mail with incorrect names. I also can not change my address through the post office as it changes my mothers mail, along with mine. I have tried to fix these issues for a few years now to no avail.
Consumer complaint received 2022-09-08
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 XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15. U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-01
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. (PA)

COMMONWEALTH OF PENNSYLVANIA XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX  and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto.

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below.

3. Date : XXXX2018 Dear Equifax FTC Report Number : XXXX  Victim Fraud Assistance Department, Creditor Names ( s ) : XXXX XXXX XXXX  - Account Number # XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number # XXXX  I have included all pages with the official police report from the XXXX   Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

Sincerely, cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX  cc : PA Banking and Securities
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

There is a collection on my report which is fraudulent. I filled a dispute with transunion and nothing was done. I have already had this fraudulent collection removed from my XXXX and XXXX  credit report they both agreed it was fraudulent. I talked with XX/XX/XXXXwho is supposedly the original creditor and they have no record of me ever having an account so there is no way i could have a collection.
Consumer complaint received 2016-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have never lived in XXXX and there is an address that is incorrect on my credit report. I called the utility company that is claiming to take me to collections called XXXX and they have no accounts under my ss #. I called the credit agency XXXX credit systems and they said they have me in collections for utility bill with XXXX. They told me to file a police report. But when I check with utility company they have no record of an account in my name ever.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (NJ)

I applied for a business line of credit with Chase bank through the Branch Relationship Manager XXXX in XX/XX/XXXX. I was told by her that the application was denied because I had a charged of credit card with Chase. I was taken aback and advised XXXX that I had no prior relationship with Chase prior to XXXX when I opened my checking account. I submitted a dispute to Chase Bank as was directed by XXXX and a supervisor in the credit card department, then I spoke to XXXX from their executive office on XX/XX/XXXX and again on XX/XX/XXXX regarding this fraudulent credit card. He advised me that the card was valid and they had documentation to prove it was mine. I requested the documentation used as method of verification to prove this credit card debt belonged to me however, to date Chase bank has not provided the requested information and still has not removed this fraudulent negative item from their database under my name. They have even added my address and other personal information to this debt that is not mine. This is a clear violation of my consumer rights and privacy and I would appreciate if the CFPB could conduct a thorough investigation into this matter with Chase Bank. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is purposely inaccurately reporting to consumer reporting agencies and bureaus after I requested validation of debt for account for {$440.00}. Capital One is reporting the following information : Date of last activity, Date reported, Date Account Opened, Last Payment. I have disputed this with the credit bureaus and Capital one has validated the debt with the credit bureaus and purposely neglected providing me with proper validation informatio.
Consumer complaint received 2024-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/2024 there was a catastrophic flood event. I lost my home, car, and all of my belongings. It is a FEMA declared disaster. My flood insurer awarded me {$190000.00} to rebuild my home. My flood insurer was required to send the money to my mortgage company Mr. Cooper. Mr. Coooper is withholding my money, so I'm stuck paying out of pocket. They have an overseas call center which has standard talking points that do not assist, an archaic online system which does not work and will not accept necessary documents to be uploaded, they do not allow email correspondence, and a myriad of other inefficiencies which intentionally and systematically cause prolonged delay and severe hardship to obtain my flood insurance proceeds. The flood was three months ago but to date they have only provided 33 % of my insurance proceeds even though I'm getting ready to move back into my home in the coming weeks. Mr. Cooper 's inaction and intentional delay is an egregious abuse of authority and control.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

I am not a Member of USAA Federal Bank in XXXX XXXX TX. I don't have any accounts of any kind. They are sending me letters saying they don't have anything to add to my previous complaint. They have called wanted to discuss my complaint. I told them I don't have anything to say, my response was sent to CFPB. I have sent messages saying I don't want to be contacted..I don't have anything to say. They are sending me letters after asking them to stop. I have contacted my Attorney Generals Office and the FCC. Please ask them to stop contacting me. Now it's what I call harassment. There's no reason for them to contact me. Please help XXXX
Consumer complaint received 2019-10-26
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX   XXXX
Consumer complaint received 2015-08-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

I have. Requested removal of my XXXX bankruptcy court. 
And denial letters from Ally financial letters sho. DerogatoryXXXX XXXX is removing. I would prefer names and my previous address removed not disputed. Pls resolve this. I expect my credit to beXXXX or XXXX soon
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

The Receivable Management Services LLC ( RMS ) is a third party debt collector who was contacted by XXXX XXXX XXXX XXXX to collect a debt. Which is a violation of 15 USC 1692c.I I started a vehicle insurance policy on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX I got a collection notice from RMS on XX/XX/2020 threatening to report negatively on my credit report, which is a violation of 15 USC 1692d ( 2 ). I did not know I could dispute the debt. I paid this debt off on XX/XX/2020. This is on my credit report as a collection/charge-off.