davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). These items have had a significant negative impact on my credit score and I believe they are inaccurate. I request that you investigate these items and remove them immediately from my credit file. 

XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX  XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX - Account Number : XXXX I am surprised to see that you have reported a late payment on my account. I have never been late with any of my payments, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I do not recognize this account, and this inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

XXXX XXXX XXXX - Account Number : XXXX I am surprised to see that you have verified this account when other bureaus could not. This inaccurate information is damaging to my credit. As per my rights under the FCRA, I request that you remove this inaccurate information from my credit file. 

I kindly request that you investigate these items and remove them from my credit report as soon as possible, as per my rights under the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I try to re-dispute the late payment on the activities credit card and after speaking with the cardholder company XXXX XXXX XXXX XXXX ) I was told that there was no late charge on my account and talked with the credit bureau. 

the other two company information is not correct and they only allow you to choose from a single statement and want to allow why the information is incorrect. I request a copy of the investigation and have not received them this is the 2nd request. i
Consumer complaint received 2021-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-02-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

An account was opened with TD Bank under my name using my address and phone number. Checks were sent to my house and a statement was also sent reflecting the opening of the account that I did not know about or authorize. I contacted TD Bank on XXXX XXXX to notify them that I did not open this account, that is opened fraudulently and I wanted it closed as well as any other accounts that were made in my name.
Consumer complaint received 2022-09-04
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and the Account Name ; US BKPT CT GA 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 an account without my written instructions
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I am a XXXX veteran and was attending college at XXXX University when I applied for veteran 's benefits with the Veterans Benefits Administration ( VBA ). I was determined to be eligible for veteran 's benefits. VBA concurred with my new career choice and training to achieve my employment goal. Therefore, VBA assumed financial responsibility for supporting my college training to include conducting a retroactive induction into training which covered financial responsibility for college training I had already completed in relation to my " XXXX appropriate '' career goal. VBA paid XXXX University for my training pertaining to my XXXX of XXXX. XXXX then returned these funds directly to the Department of Education and my student loan balances were cleared from my Federal Loans. Navient then placed these loans back onto my account. Despite ample evidence that these monies have already been paid, Navient continues to insist that since the funds did not pass through their hands, to clear my loan debt I must again pay these loan amounts to them.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the fair credit reporting act XXXX  Account XXXX ( XXXX XXXX  ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XXXXXXXX XXXX,2020, I woke up to my Chase Checking account with a hold of negative XXXX XXXX dollars. Its been over 32 months and chase has given me the go around and would not tell me why i dont have access to my account. We were in a middle of a pendemic, my stimulus checks, unemployment money and all of my savings were in that account and Ive been evicted for not having access to my money and got behind on bills. Ive called their customer service, levees and court, and received no help aside from try again tomorrow. 
Im in need of that money as soon as possible. 
XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MI)

The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in two days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2016-10-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.
Consumer complaint received 2017-10-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.
Consumer complaint received 2022-09-04
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. (MA)

In XXXX of XXXX, I disputed a Bankruptcy reporting on my XXXX and TransUnion Credit Reports. I disputed this item, which in turn they replied with a letter stating that the information was obtained from The United States Bankruptcy Court District of Massachusetts. 

I called the called the court house to confirm their response and they stated they DO NOT and DID NOT provide information like that to the credit bureaus and sent me a letter reinforceing that statement. 

I XXXX of XXXX  I sent a a second letter disputing the bankruptcy to XXXX and TransUnion confirming that the response was a fabrication and that they DID NOT receive the information from The United States Bankruptcy Court District of Massachusetts, along with the letter they courts sent me. 

More than a year later, I have yet to receive a response from the credit bureaus and the bankruptcy remains on my credit reports.
Consumer complaint received 2020-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have a been a customer for 10+ years and have never have any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation.
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 21ST MORTGAGE CORP. (MI)

I have an escrow account with my mortgage company to pay my property taxes and homeowners insurance, my 2015 summer taxes were not paid by the mortgage company they are delinquent XXXX XXXX, when I discovered that the taxes had not been paid I called the mortgage company to tell them, I was told that they cut a check XXXX XXXX, 2015, I told them that the city did not receive the check I was told that they would give it to the department that handles the Michigan taxes, I said ok, then I receive a letter from the City XXXX, on XXXX XXXX, 2015 stating my taxes have not been paid and penalties and interest are added I called the XXXX department back at the mortgage company and was told that the first check in the amount of {$3200.00} was put back in my escrow and a new check in the amount of {$3400.00} reissued, ( which means the took the penalties and interest from my escrow also which should not be done ) the said that check was sent on the XXXX of XXXX, I called the City of XXXX to see if they had received the new check today they had not I called the mortgage company to tell them that my taxes are still not paid, and all I get is the run around. I have come to the end of my rope with this mortgage company, I have had nothing but problems with them since my loan was transferred to them almost two years ago.
Consumer complaint received 2022-01-07
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. (MA)

I am a victim of identity fraud. Someone opened accounts under my name without my knowledge XXXX date opened XX/XX/XXXX Collection date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX XXXX date opened XX/XX/XXXX
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE (NY)

Company called and told me they were moving forward with the courts and will be garnishing my wages for a debt that was discarded in a bankruptcy. They did not want my attorneys information as they said they were going through with a lawsuit against me. They claimed the debt was from Juniper Bank.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I made.a transfer deposit from XXXX XXXX to Navy Federal Credit Union, which in both I have accounts. I received an immediate notification from XXXX that my transfer had gone thru and it was reflected in my XXXX online statement and account balance. On XXXX XXXX I received notice from.Navy Federal Credit Union that I was overdrawn, and that a {$20.00} fee was imposed for each draft that I had done with Navy Federal since XXXX XXXX. If I successfully completed the transfer on XXXX with XXXX , why isn't it reflected in Navy Federal 's system? Moreover, why does it take Navy Federal so long to acknowledge any type of deposit as I have had this same issue before with them even on normal deposits? I am now way overdrawn because of Navy Federal 's lack of diligence in posting deposits. When I confronted them they stated that would not help me with this issue nor would they even try to make it right. I feel I am being unfairly charged these overdraft fees. It is not my fault that Navy Federal takes so long to acknowledge a deposit.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i despite sending them, a letter, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00}
Consumer complaint received 2022-09-04
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: Credit Karma (SC)

Credit Karma Has Been Telling For Years Now That My Approval Odds To Getting A Credit Card They Recommend Is Either FairGoodExcellent And Once I Go To Do The Recommended Credit Cards I Get Denied, XXXX Dropped And A Inquiry On My Credit Report
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Account Systems of Omaha, LLC (MO)

I have no contract with this company. I send them a letter verified requesting debt validation. I requested for the original contract bearing my signature and also my letter asked to show proof that the debt was under limitation. Also I requested proof of the collections agency being licensed for my state. According to the contract send by XXXX they are reporting outdated information falsely re age this account to collect. This collection agency has re aged this account according to the original creditors date of first delinquenc in a letter they send me.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Inquiry- XXXX Date XX/XX/year> XXXX cfpb my name is XXXX XXXX XXXX and im contacting equifax regarding a inquiry thats on my credit profile. This inquiry was open from someone who stole my wallet and information on XXXX XXXX to get something on my credit. This inquiry is unauthorized and is fraudulent. PLease remove this off my credit report. Ive also attached personal documents to this Cfpb report including my identity theft document that i filled.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I received at letter from XXXX XXXX XXXX XX/XX/2017 informing me that they represent Resurgent Capital Service for a debt 0f $ XXXX.I never have acct, loan or credit car from Resurgent Capital Services.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (NY)

Judgment for an unpaid Veterinary Bill showing on XXXX Equifax that has been satisfied and a Tax lien that is being shown paid that should have been vacated on my Credit profile for Equifax XXXX. Please help me, this is the second time these items have prohibited me from getting a mortgage. Thanks XXXX XXXX