davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have been a victim of identity theft for several years now I've made police reports and sent them in to all credit bureaus to no avail XXXX is still reporting this item on my credit report as mine and it isn't time and time again to get this matter resolved and nothing is happening this item is ripping my credit apart its hard for me to get housing getting loans for my children 's college loan I have been steadfast in paying all my bills on time and XXXX is not reporting my payments and my credit score has not increased at all this item needs to come off my credit report the company name is WF/NATION DATE OPEN : XX/XX/2019 BALANCE XXXX thank you in advance for all of your help on my behalf XXXX XXXX
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Agencies are incorrectly reporting that I was late on my XXXX/XXXX  account. Please help me to remove these inaccurate late payments from my credit profile. I was never 30 days late XX/XX/XXXX or XX/XX/XXXX ; and XX/XX/XXXX.
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Reprting Credit Act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX. XXXX XXXX, XXXX account # XXXX, XXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX Account XXXX account # XXXX, XXXX XXXX XXXX. XXXX account # XXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604. A Section 2. 
It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-24
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)

I have previously submitted valid Identity Theft reports to XXXX, Equifax, and XXXX # XXXX. I also went to the neighboring police station to file a criminal complaint. The fraudulent items are still reporting on my credit files. Either validate the debt meaning produce the original documents bearing my signature or remove the fraudulent items from my report
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2018 I noticed that my credit score with Transunion dropped by 76 points over night! I contend that this is not only arbitrary, but also credit  discrimination. I also noticed the numerous inaccurate information and account claims on my report which I immediately requested that same be investigated. 
How can my score dropped 76 points overnight when I consistently pay my creditors? 
I contend that this tremendous drop in score is discriminatory, unfair, and bias! 
I am requesting an investigation immediately and a resolution of this grave infraction to my credit welfare and health! 
In addition, I noticed my credit score dropped by 27 points with XXXX. I contend that this is also arbitrary and discriminatory. I am asking that same be investigated as well. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023, my CapitalOne was closed by the bank with my rewards money of {$220.00}. They closed my account but never sent me a check for the money that they owed me.
Consumer complaint received 2020-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (PA)

My XXXX XXXX  account was closing, so I decided to bank with Wells Fargo instead. I made my initial deposit of {$1000.00} to them ( {$500.00} for Checking, {$500.00} for Savings ). 
I was accepted and they took the money, and only later come to find out that they closed my account ( s ) down for no reason. 
The issue I'm having is, they didn't even give me a check for the {$1000.00} I put into those accounts or made an attempt to reverse the transaction. I've called multiple representatives at Wells Fargo and I've told the same thing over and over, that the {$1000.00} was never put into the account. But this is a bold-faced lie. I have the Transaction Confirmation from XXXX XXXX  telling me differently ( with tracking numbers from with Wells Fargo 's name in it ) and they unlawfully took {$1000.00} without attempting to reach out and give it back to me. 
So in short, Wells Fargo owes me my missing {$1000.00}.
Consumer complaint received 2022-05-02
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. (NC)

On XX/XX/2022 I have contacted Transition about unathorized inquiries on my credit report. I have filed the correct FTC report as I was helped by a representative with Transunion. In caliinig now, they want me to file a new report and sign it, There is no area on the report or online to add a signature. This is a disgusting abuse of power.
Consumer complaint received 2021-06-24
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)

This account is not mine and I do not know the origins of this account. Please remove this account as its been there for some time already and its not fair towards me and my financial planning. This does not belong to me so thus remove it immediately.
Consumer complaint received 2023-04-10
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. (SD)

Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XXXX XXXX
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I paid {$200.00} towards the debt by mailing a check XX/XX/2021. The check has yet to be cashed. Now they filed and won a garnishment hearing without my knowledge and against fdcpa protocol. 
They demanded my income, when this is only a payback. Threatened my job saying garnishment can cause my employer to fire me. They stated by law I have to do as they command. 
This has caused stress now that Im being bullied to the point I dont eat well or sleep well. This is so stressful that Im trying to pay them. Yet they want this to go to court to get my information. They are representing Huntington National Bank and are a lawyer. XXXX, XXXX and XXXX Only one communication from them. An address to mail payments. No online portal. No over phone. They are making it as difficult as they can and bullying me
Consumer complaint received 2018-07-30
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

On XX/XX/XXXX I submitted a debt verification letter to TSI in response to their collections credit reporting of private student loans owned by XXXX. This letter asked for full verification of debt including but not limited to documents showing chain of custody and TSI 's right to collect on the debt. TSI replied back with a packet postmarked XX/XX/XXXX with information showing a loan/request credit agreement -signature page, note disclosure statement and loan payment history for loans taken out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. TSI provided no information showing they had the legal right to collect on the debt by providing chain of custody paperwork showing transfer of custody from the original creditor XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX )  to XXXX XXXX XXXX, and from XXXX to XXXX XXXX XXXX. The CFPB settlement with TSI specifically states that TSI " Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. ''
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC. (MO)

On XX/XX/2024 I received an email ( in response to a dispute ) from an unknown sender ( Card Processing Associate ( XXXX ) ) that was automatically sent to my spam folder and not found until XX/XX/2024 stating the following : " Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 

Card Processing Associate ( XXXX XXXX ) XX/XX/2024, XXXX XXXX Dear XXXX XXXX During a review of your SoFi Money account ending in XXXX, we have identified activity within the account that has been determined to be in violation of the SoFi Money Customer Agreement . 

As a result, your debit card will be closed effective immediately and you will no longer be able to use your card. In the event this decision is based on information contained in a consumer report, you will receive an Adverse Action notice within the next 30 days which will provide additional information regarding the decision. 

We sincerely apologize for any inconvenience. 


Best, The SoFi Team '' On or around XX/XX/2024 I had contacted Sofi Bank to cancel said dispute and was assured it had been taken care of, so I was surprised to get this kind of response. Plus I now found out that due to the sudden cancellation of my debit card that my cell phone service was no longer active ( unpaid ), my food stamps cancelled ( missed phone appointment ), and I am now left without XXXX to several key accounts. I am also unable to contact the very bank that says " without calling there is nothing they can do ''. 
So I did call. The first attempt I asked what has happened? I was told something vague about a broken rule, but I was not allowed to know what it was and I could transfer my money out. I then attempted to do so, however I have no other accounts that link with XXXX. So I called back and was met with a very rude employee who hung up on me after I suggested that this was retaliatory for me filing a complaint with the CFPB. Lastly after spending HOURS calling I got a hold of a nice enough gentleman who said my account was actually scheduled to be closed. What?! So I asked about my money as I have no food, and rent is due the XXXX. He said I can write a check. I am XXXX. I forced myself to XXXX, and was told the bank has restricted my account. Isn't this MY MONEY? I feel like this should be illegal, anyone else kept someone elses money they would be arrested but this bank is enjoying my money and I am starving .... 
I currently have a balance of {$940.00} in that checking account and have been told many confusing, contradicting, and untrue things by a bank that is supposed to be accountable to me. Now they close my account without telling me a reason and I want my money.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( JPMCB AUTO ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 
The inaccurate reporting of both my account status and payment status by ( JPMCB AUTO ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-05-02
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: KEYCORP (DC)

Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. 

In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. 

On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. 
I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. 

In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.
Consumer complaint received 2021-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

My home loan was sold to loan care. Loan Care changed the late fees from my original loan. Loan Care kept the fee if paid after the XXXX of the month which was fine that is in my original loan documents. The added a {$10.00} fee if paid after the XXXX of the month in addition to the XXXX of the month. They charged that for 10 months and stopped. Why did they stop because it was not in my documents. I have called Loan Care 2 times about this, written 2 letters sent via US mail and written 7 emails ALL have gone unanswered. I want my fees returned
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

Delete fraud alerts off of my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Consumer complaint received 2020-06-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (IL)

Last summer I started receiving letters from Cavalry Portfolio Services about a collection owed. I sent a letter to establish whether this was even actually anything belonging to me. They in turn responded with a letter stating it was and they would resume collection efforts. Not knowing my rights as a consumer and wanting to get them off my back and stop the harassing calls and letters I requested that they provide the original paperwork with my signature. Disappointingly nothing ever came except for some ineligible pages of some statements. After educating myself I realized I should have done more research. I've sent more dispute requests after the fact, to the credit bureaus, and debt validation letters and I'm getting no response or they are stating the debt is valid. No one has actually provided any evidence that this was in fact my debt. This negative reporting is hurting my credit report tremendously and prohibiting me from being able to purchase my first home. Secondly, I can not find them as a licensed collection company in the state of Illinois, perhaps I'm missing something. I was reading somewhere that collection agencies have to be registered in Illinois to collect.