davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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)

Please refer to CFPB Case:XXXX Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (FL)

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these account or creditors has provided with proper disclosure of 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). 

I request that my state ID reflect my only address that's reachable to me per United States XXXX XXXX. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information XXXX. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy XXXX. 15 usc 1692e - False or Misleading Representation XXXX. 15 usc 1692c - Identity Theft XXXX. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party XXXX. 12 CFR 1016.7 - XXXX of opt out notice to consumers ; opt out methods XXXX. 15 usc 1635 - I always have the right to recission XXXX. 15 usc 1681b - inaccurate false reporting XXXX. 15 usc 1681e ( b ) - XXXX must be 100 % accurate across all ( XXXX ) reporting agencies XXXX. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND. 

XXXX IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (AZ)

I received a student loan from XXXX XXXX XXXX of XXXX in XX/XX/XXXX for XXXX. It was my XXXX year and I had run out of money to attend and exhausted all of my choices. I was told by the school that I would be able to roll this loan into my XXXX. Also, the rep from XXXX stated that that would be the best way to handle my loans. Well, I graduate, start on the paperwork and found out that I can not do this. What really caught me off guard is that this loan is basically treated like a credit card, with a variable rate. I am XXXX years old, divorced with a child ( XXXX years old ), and XX/XX/XXXX is my payoff date! I do not know what to do. I 'm trying to by a home, but need to take care of my family. The job I have does not even come close to paying my loans off. I do work for a XXXX and have over XXXX years in the XXXX. I qualified for loan forgiveness on my XXXX, but not on my private loan. I did not even know I was receiving this type of loan. Any help or advice would be appreciated.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I took out {$16000.00} in student loans in between XX/XX/XXXX-XX/XX/XXXX. Due to many circumstances, including misunderstanding of fees and penalities, these loans went into default. I consolidated the loans once that I am aware of, but according to NSLDS I consolidated XXXX separate times. I also completed a rehabilitation in XX/XX/XXXX. I have been consistently making payments well above the minimum requirement since XX/XX/XXXX. 
However, in spite of all the payments I have made over the past 20 years, my balance is now almost {$60000.00}. I contacted FedLoan in attempt to verify the payments I had made, and what the several thousand dollars of fines were from. They provided me no information prior to XX/XX/XXXX. I contacted the Ombudsman, whom I thought was supposed to be a neutral advocate, and I feel she did not represent my needs or my interest at all. It took her 5 months to provide me with the same records I already had. She specifically told me there is no information regarding my rehabilitation, no promissory notes, no explanation of fees or charges. She provided me zero additional information, and yet she said I have no options in verifying this debt that has consumed my life. 
These loans were taken out before the bankruptcy laws were changed, yet they were affected by the law changes. These loans were taken out before the lending process in general developed guidelines to prevent abuse, yet THOSE laws did not affect my debt. 
I have literally paid the equivalent of what was borrowed, yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt, and it is obscene that my student debt is not held to the same standards as credit card debt, medical debt, civil debt, real estate debt, or any other debt that I have ever heard of. This is predatory lending, and unvalidated debt, and I should have the right to verify this debt.
Consumer complaint received 2016-06-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC ()

I have been attempting to obtain a loan modification for over a year from SLS. They assumed my loan from XXXX XXXX XXXX 2 years ago. I have made several overtures to this company to secure a loan modification. In XXXX 2016 I reached out to them again requesting status request. The response was requested documents had not been received, modification had not been approved. I requested documentation be sent to me to reference to. A letter formally requesting further consideration would be required. I sent formal letter. I have since called to request documentation and customer service representative XXXX stated modification request was denied. I requested that documentation and was told SLS would not provide any further documentation and if I wished further info to go to SLS website. This is very unfair and appears to be placing obstacles in my bankruptcy consideration.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

sent disputing letters about getting old items that keep reappearing on my credit report. since then the credit bureaus have not responded back to me in 30 days. Today i sent my non response letter to the credit bureaus hopefully they respond back sooner and removed these items. i sent letters to Experian on Tuesday XX/XX/2019. XXXX Tuesday XX/XX/2019 and XXXX XXXX Wednesday XX/XX/2019 2019
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (FL)

Received a letter from TeleCheck Services , Inc. No name attached, only address. Stated billing. XX/XX/XXXX through XX/XX/2019, total amount owed {$430.00} addressed to XXXX XXXX XXXX. 
Prior resident of this address has been deceased for almost 2 years. Current resident unaware of this company or any charges. Attempted to call TeleCheck services was asked for checking account number, routing number, date of birth, billing ZIP Code before any further information could be provided. When asked to speak to a manager, was sent to a generic voicemail.
Consumer complaint received 2019-05-22
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. (GA)

I went to get my car lease refinanced and they approved me with a very high interest rate. I pulled my credit and see items on there that is not mine. I've contacted the FTC and my local police. I'm doing this on my own behalf. There are still items on my credit that are not mine. XXXX/XXXX  XXXX-XXXX, XXXX XXXX   XXXX/XXXX and XXXX XXXX XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has account XXXX # XXXX on my credit report with multiple violations of the Fair credit reporting act. I have sent several certified letters and this account has not been removed for the inaccuracies. 1 ) There is activity listed after Charged off date 2 ) The highest balance listed is 0 which is lower than the original balance of {$24000.00} and balance owed of {$11000.00} and the charged-off balance of {$11000.00}. 3 ) it is also showing status updated XX/XX/XXXX when I have done several disputes after XX/XX/XXXX so how could an investigation have been verified. 4 ) Also has on record until XX/XX/XXXX. 5 ) Has 180 day late payment history without prior XXXX or 120 day late payment history and 6 ) no notice of dispute
Consumer complaint received 2019-05-13
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: ALLY FINANCIAL INC. (TX)

XXXX XXXX XXXX- Pulled XXXX/XXXX/2018 ( I was not present at the dealership nor did I give consent to pull my credit, I told the sales counselor that I already got approved for a loan and he still decided to shot gun blast my credit with these hard inquiries ) Ally Financial- Pulled duplicate hard inquiry on XX/XX//18 while I was not present at the dealership. I demand that the unauthorized/duplicate inquiry be removed from my credit report. I was told that when my credit was pulled it'd only show as one hard inquiry. I was lied to and coerced by the sales counselor to pull my credit in the first place. As I have said before in the above comment, I was already approve by a company for an auto loan for a good rate. I was promised a better rate that did not take place. 

XXXX XXXX XXXX XXXX Pulled XXXX/XXXX/2018. I don't even recognize this company let alone did I give authorization to run my credit.
Consumer complaint received 2021-10-04
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: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (FL)

This is a formal complain regarding my credit report. Suddenly, I found account and inquires in my profile that do not belong to me. I do not recognize them at all O tried to contact these companies however they never pick up the phone, I am sure that someone just used my personal information and as a result I am a victim of identity theft. This situation is damaging my score and credit and I my financially suffering now. Please remove them asap
Consumer complaint received 2019-05-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (WA)

I purchased a certificate of deposit from XXXX XXXX   XXXX XXXX  in XXXX in the amount of {$4000.00} at an interest rate of 3.4 % compounded daily with no time limits and it had automatic renewal. XXXX XXXX   was bought out by another bank, I believe the name was XXXX XXXX XXXX, a couple years later and all the benefits I had with XXXX were grandfathered with XXXX XXXX XXXX. About a year or so later ( approx. XXXX ) XXXX XXXX XXXX  was purchased by Wells Fargo Bank and again all my benefits were grandfathered to me. In fact, the member account number I had with XXXX XXXX  was the same number used by Wells Fargo. In late XXXX, XXXX I went to my local Wells Fargo branch at XXXX XXXX XXXX XXXX, XXXX, WA to cash out my certificate of deposit. As best as I can calculate, it is now worth over {$9000.00}. I spoke with XXXX XXXX, who made a copy of my CD and she called corporate, who advised that the money was likely turned over to the Washington State Found Property division. Let me make very clear that I have been an account holder with Wells Fargo ever since XXXX assumed ownership of my account. They have had my address, phone number and email address during the entire time. XXXX is refusing to honor my CD, claiming they can not find a record of the CD in spite of acknowledging that it is a genuine CD. Not only do I have the CD but I also have the withdrawal slip from XXXX, withdrawing {$4000.00} from my savings account on XX/XX/XXXX, XXXX and a savings deposit in the sum of {$4000.00} for the purchase of the CD, also on XX/XX/XXXX. I spoke with branch manager XXXX XXXX numerous times over a month 's time and he kept putting me off saying that they were still searching for records of my CD. In the meantime I contacted the Washington State Found Property division and there was no record of Wells Fargo or the previous two banks previously mentioned having deposited money in my name in found property. Besides, XXXX has had my contact information the entire time I have been an account holder. At no time have any of the three banks contacted me regarding the CD I hold. Finally, on XX/XX/XXXX I received a call from branch manager XXXX XXXX notifying me that Wells Fargo would not honor my certificate of deposit using the justification that they could not find a record of the CD. Wells Fargo has a fiduciary responsibility to honor the liabilities associated with the purchase of another bank. That they can not find a record of the CD does not waive their duty to honor their financial responsibilities. I am attaching a scanned copy of the CD and the two bank slips. Be aware that though in the scanned image at the top of the CD the name XXXX XXXX  and their logo look black, they are actually embossed in gold but my scanner was not able to capture the metallic gold embossing.
Consumer complaint received 2019-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX allowed me to be added to an authorized users card without my consent. This had a negative impact on my credit score and when I contacted them, they told me they dont need my consent.
Consumer complaint received 2018-06-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Company is now ignoring all requests for information- complaint XXXX was not responded to in a proper manner, please forward this complaint to enforcement as company is attempting to collect on criminal usury interest amounts. XXXX USD off a XXXX USD credit limit. I've enclosed a spreadsheet showing civil usury which this company is obviously guilty of, but by their own admittance, the interest was only calculated on a 3 year period.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TRANSUNION is INACCURATELY reporting a CHAPTER XXXX BANKRUPTCY ( PUBLIC RECORD ) on my credit report. Certified letters were mailed out over the course of last year, XX/XX/XXXX. These letters all included : name, social security #, address, Date of Birth, disputed data was identified on a copy of my credit report, a chronicle detailing why the info is inaccurate, and I requested the information removed, and for Transunion to investigate the dispute and furnish documentation of how this record is correct if they continue/d to report it, because it is not accurate. I have been trying to get this error removed from my file for over a year now and now its already XX/XX/XXXX. Notice has been given to Transunion on plenty of occasions. No response has been provided, to date. Transunion has failed to satisfy their investigation requirements, in defiance of Federal & State laws. I am disputing this records accuracy. Transunions actions are negligently non-compliant and willfully breaching their FCRA duties ( for example, their duty to update the accuracy of information being reported ). -- ->SOME OF THE PERSONAL INFORMATION and the DATE OF THIS RECORD IS INACCURATE.< -- - Public Records on XXXXredit Reports , as of new XX/XX/XXXX governance state : these records MUST include AND match that same individuals name, address, Social Security # or date of birth, or else the data/record must be removed. This bankruptcy record being reported by Transunion is inaccurate and needs to be deleted, ASAP.
Consumer complaint received 2019-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I set up an online Ally back account on XX/XX/19. 
I attempted to deposit a check into the account on XX/XX/19. 
I received an email stating that the check was missing info on the Pay To : line. 
I resubmitted the check the same day. 
I received an email on XX/XX/19 stating that : We weren't able to complete this Ally Bank eCheck DepositSM because of one of the following reasons : The check contains an alteration on the front of the check The check had been previously deposited at another institution The check is from a financial institution located outside of the U.S. 
Please obtain a new check to scan and submit it as you normally would. 
The next day I tried to access my account and was told it had been fraud locked. 
I called the number provided XXXX and waited 45 mins on hold to speak to a Loss Prevention agent. He proceeded to tell me that I was trying to deposit a fake check and they would not be reopening my account. He stated there was nothing I could do and I had to wait until their investigation was over. 
I waited a week with no response. I called back 3 different times and left messages with no response. I shut by direct deposit off as soon as I realized they were not going to reopen my account. By this time two {$100.00} deposits had been made into the account from my employer. They didn't reject these deposits even though the account was frozen. 
I now have {$200.00} dollars sitting in a frozen account and the bank is flat refusing to allow me access to my money or even return my phone call.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (GA)

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report