davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To cfpb, Help me, please. I am truly asking for your help. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company. 
I made few complaints to cfpb about the company because of the company 's damage to my credit score and report. I think Trans Union is retaliating and lowering my credit score furthermore for no reason. 

In just two days and without any activities in my accounts, my score went down from XXXX to XXXX for no reason. 

My score was XXXX before complaining to cfpb about Trans Union and before the damage to my credit score by Trans Union. The main complaint was about a false claim made by Trans Union that I have delinquent and derogatory accounts, and I did not. When Trans Union found that I have no delinquent and derogatory accounts, they lower my score any way for the attached reasons. 

In fact, there is a complaint that I recently submitted to cfpb. 

in the complaint, I submitted all the documents that will make Trans Union claims for lowering my score false. 
I am asking cfpb to protect my credit report and credit score from the Trans Union company.
Consumer complaint received 2017-12-13
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)

I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

I ordered a secured credit card back in XXXX of 2020 and never recieved the card, I tried to reorder but due to my phone number having changed they could not verify me. So i went to order a new license from oklahoma state. The wait is 6-15 weeks for a driver 's license to be mailed. My DL was never received so i denounced my DL to obtain an AR ID. Now Capital one is denying me access still even though I stated my information had updated and i was trying to reorder my card i never received, please help.
Consumer complaint received 2020-12-11
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. (MA)

Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2021-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (MS)

I sent a dispute letter on XX/XX/2021 and I have not received and response from anyone, ( Dispute Item ) Claimed Amount Owed ( Insert Dollar Amount ) XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$9300.00} XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$840.00}
Consumer complaint received 2023-03-27
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. (WI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-31
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: CURO Intermediate Holdings (TX)

Back in XX/XX/2014 I took out a payday loan with Speedy Cash. I made several payments on the loan but was unable to complete the payments. To this day it is still on my credit report, but that is not the issue. The issues is that every year they transfer the debt to a new collection company, and what that does is makes it seem as if the debt is a new debt being reported. Let 's say that they transfer the debt from company A to company B as of today. They are reporting to company B that this is a new debt which means that this debt would be present on my credit report for the next 7 years. Let 's then say that next year they transfer the debt from company B to company C. They are then telling company C that this is a new debt starting the whole process over again. They need to report the debt from the day that default occurred and not from the day they transfer the debt. This is fraudulent reporting.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Manager ; ***please see the attachment**** Im really shocked on what Im seeing right now! - If you see this negative account listed below on my credit report, you will noticed that there is no way that this account was indeed investigated truthfully through your organization. 

For example ; this XXXX XXXX # XXXX thats reporting on my credit report as a CHARGE-OFF / COLLECTION is claiming to have a 3 DIFFERENT HIGH BALANCED, 3 DIFFERENT DATES OF LAST ACTIVE, 3 DIFFERENT DATES OF LAST PAYMENT, REPORTED ETC. Also youre reporting the account closed but you have failed to report or list the closing date or date of 1st delinquency which determines when this account drops off my credit report.. As you know the aforementioned inaccuracies, misleading, and incomplete information is a violation of my rights as a consumer, and also clear indication that this information was never truthfully verified by your agency upon receiving several of my previous disputes. I have faith in your organization to be an outstanding company and protect the rights under the provisions of FCRA. As screenshot of my credit report below, please send me updated copy of my credit report with the above deletions reflected. Ive asked on several of my dispute that creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account, because upon reviewing my credit, I have noticed so many discrepancies with the way it was reporting including questionable balance, questionable and inconsistencies of dates of last active, last payment, last reported, etc. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
Consumer complaint received 2017-12-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUMMIT FUNDING, INC. (CA)

applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative
Consumer complaint received 2022-08-13
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. (CA)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identiy theft. In pursuant of the FCRA section 605b I am in need of the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-27
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. (CA)

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the Experian and the XXXX  reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both Experian and XXXX  still shows it. XXXX did remove it. Even though XXXX of XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.
Consumer complaint received 2021-06-05
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 disputes Salie mae account credit account which is over seven years on my credit reports and the three bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Salie mae keep reporting inaccurate information on my account and they need tot stop.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello, My name is XXXX XXXX. On XX/XX/XXXX I filed a dispute with my bank at the time which was capital one, I had a 360 checking account the dispute was related to an unknown XXXX transaction that I had been trying to get back since XX/XX/XXXX ... the bank placed an hold on my account & sent an email stating for me to contact them, when I received the email on XX/XX/XXXX @ XXXX XXXX  I immediately called them at the number listed XXXX, when contacting them I got in touch with a representative who asked me about the dispute, which I had canceled once the person sent back the funds, so capital one never issued me any money from this dispute. I then explained the events that occurred & after explaining the representative stated that my account would be closed & I will receive a check with the remainder of my funds, this was Tuesday XX/XX/XXXX. On Wednesday I called again XX/XX/XXXX to see if the check had be sent, I then got transferred & the line got disconnected. On Friday XX/XX/XXXX I called at about XXXX XXXX  disconnected twice before actually being transferred, to someone who stated that the account is not closed yet, there has to be an overview to make sure all claims are closed, the agent then checked & stated there are no open claims and he would note for the account to be closed possibly by Monday, I then asked is there a way I can transfer the money to my new checking account he stated no I would have to wait until the check is mailed out ... I then became upset stating that I only have a {$500.00} credit card and my bills will become due within a couple of days and I have no other funds to pay with, & that they didnt care because it isnt their self in this situation .... CSR customer service representative then said he would try to expedite the issue. On Friday my paycheck was also deposited into this 360 Capital one checking account ; literally leaving me with XXXX $ on my credit card that I now how to make stretch and hoping the account doesnt closed due to not being able to make payments until this account is closed
Consumer complaint received 2020-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

I received a statement about my savings account, opened as a student savings account, from Chase by mail in XX/XX/2020. I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) to make a withdrawal and a banker told me the original custodian of the account, my mother, would need to be present for them to perform my requested action. 

My mother and I visited Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/2020 to make a withdrawal from my savings account, and a banker told us to call Chases customer service number to reactivate the dormant account. On the same day, we visited a different Chase Bank ( XXXX XXXX XXXX, XXXX, TX XXXX ) for a second opinion, and the representative told us the same thing : call customer service to reactivate the dormant student account ; only after doing that, they could make the requested withdrawal. 

I called Chase customer services personal banking support on XX/XX/2020 to reactivate my dormant account and the representative redirected me to their loss prevention department. I requested the loss prevention representative reactivate the dormant account and he told me that I would have to go to a Chase branch. I told him I had already visited Chase and he said that is the only option I have. I asked him if there was any way to escalate the situation because theres an issue : the bank told me to call customer service and customer service told me to call the bank, and he once again referred me to a Chase branch after acknowledging my request.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

On XX/XX/2020 XXXX stating that I owe them {$57.00} they have requested Southwest Credit system to reach out to me which they never did I never received a bill or anything for my final bill and now its on my credit report and I truly believe it should be removed staying as I did not get the right to have a chance even pay it It was never notified at all
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (WI)

On XX/XX/2021 BMO closed my checking account. They sent my account over to XXXX XXXX. They made a mistake and sent me {$200.00}. I opened up my account when there was a {$200.00} bonus and was unaware that they made the mistake. Now they a making me pay back a fee for over charge that I disputed. Instead of working with me to refund the account they closed my account. And charged me the {$160.00} that I spent. They forced money into my account. I spent some of the money because I truly thought that I was eligible for the promotion. At one point they had me owing more than $ 50K why would I fund an account with the {$160.00} if my account was that far negative. In my community a few extra dollars means buy something for yourself. I am a single mother. I usually cant afford to buy things outside of our budget for regular household items. So when I got an extra {$200.00} I thanked the XXXX for it. I didn't know this was not my money why would BMO put it into my account if it wasn't mine. They caused me to think that I had money that they owed me. I opened up the account during their {$200.00} promotion. Now they close my account and charge me {$36.00} for their mistake all because I sent a complaint about it with this organization. Typical corporation abuse. They are making me suffer more because I made a complaint to this location. My funds from the XXXX tax credit for kids from the latest stimulus package is set to hit that account. Now it wont and BMO can pay for that delay.
Consumer complaint received 2020-09-17
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: EQUIFAX, INC. (DC)

On XXXX XXXX at XXXX. I called Equifax to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (IL)

I was charged by great value vacations XXXX on XX/XX/XXXX On XX/XX/XXXX they sent me an email that they canceled my trip due to covid. They wanted to give me a voucher but i want a refund. 

I wrote them that i wanted a refund on XX/XX/XXXX and they never responded Since they canceled the trip i should get the refund as I was ready to go in XXXX My other credit card XXXX XXXX disputed the amount for the portion i put on that card and that was for {$3800.00} and they were able to refund my money I can email my docs