davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-06
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC. (NC)

I have received a letter with copies of documents I requested from XXXX XXXX XXXX XXXX there are a few of the XXXX  I dispute with only copies of the computer generated XXXX and no other information which includes the schools or the amounts. They have included a typed amount for various schools and years but this does not compliment the XXXX with E-Signatures. There is one XXXX  from XXXX that has my signature and I take responsibility for that, the others from the following dates that are legible and some not legible : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accuracy of these dates are in question, I also raise questions as to the language of the XXXX  with the following and my questions there after : Promise to Pay 15. I promise to pay to the order of the lender all loan amounts disbursed under the terms of this XXXX, plus interest and other charges and fees that may become due as provided in this XXXX. I understand that multiple loans may be made to me under this XXXX. I understand that by accepting any disbursements issued at any time under this XXXX, I agree to repay the loans I understand that, within certain time frames, I may cancel or reduce the amount of any loan by refusing to accept or by returning all or a portion of any disbursement that is issued. 

My questions are as follows ; ( 1 ) The lender in question or lenders were and are not the Federal Government, the lenders were XXXX and other Banks on the XXXX so how could I owe the Federal Government? ( 2 ) How can multiple loans be made under one XXXX but I have at least four XXXX sent to me so the loan amounts can not be accurate if multiple loans can be made and requested by who? ( 3 ) How could I have had the opportunity to cancel a loan that I never received any currency in the form of cash, credit or check directly to me? Finally, ( 4 ) If the Federal Government used local and national Banks such as XXXX and other Corporate Banks to disperse funds for Student Loans then these Banking Systems must be bound by UCC? Which is a Federal Commercial Code to govern these transactions according to UCC 9 these loans were not payable to the bearer but the bearer which is me would be obligated to pay an inflated or fictitious amount.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (FL)

Hi there, My checking account with TD bank got charged {$25.00} maintenance fee for XX/XX/XXXX and XX/XX/XXXX, totaling {$50.00}. Its term stated that the account should maintain a daily amount of {$2500.00} to avoid the $ XXXX monthly fee. However, it didn't specify whether it is the average amount across a month or exactly any single day within a month. I thought it was the first scenario since other checking account products at other banks utilize the measurement based on average daily amount and TD bank didn't specify it in its terms. I didn't know about its specific policy until I noticed that I got charged and talked to them. They refused to waive the fees.
Consumer complaint received 2020-12-07
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. (CA)

On XXXX XXXX, 2020, I called Transunion and informed them that I had a inquiry on my credit report. I was told that they would not remove this inaccurate inquiry from XXXX XXXX XXXX XXXX XXXX, 2020 ) even though XXXX  removed this inquiry. If another credit bureau removed an inaccurate inquiry why is Transunion refusing to remove it? I want this inquiry removed immediately. 

XXXX XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TN)

Goldman Sachs Apple credit card reported I had a late payment on XX/XX/2022. I called the creditors and they wont fix it or help me anyway. I talked to different people and they never help me with this. I just want them to report it as PAANL ( Paid as agreed, never late ). 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-10-06
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: CURO Intermediate Holdings (CA)

While trying to repair my credit I noticed a collection from AD Astra Recovery solutions on my credit report. I have never contracted with this company and demand that they cease and desist any further negative reporting on my consumer report. I am refusing to pay this alleged debt as I have no obligation to pay anyone that I did contract with. This company can not produce a signed contract that I have with them as I have never done business with them. I demand the deletion of this account immediately. This company is damaging my credit and attempting to extort me for payment by the negative reporting.
Consumer complaint received 2017-08-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My bank capital one has fail to give me proper notice that they were offsetting out account .This was for a claim that they said that vendor never gave back to the bank back in may and this claim was closed with approval letting that I was sent. The vendor told me they have given the money back. The bank gave me a letter in the mail the day of taken away fund. No proper notice was given to comply. I did n't receive the letter until the day of fund being recalled. They have now caused us a financial hardship. I have spoke with several reps in the company and they have slander and taken away more money that my bills are needing for living. I have XXXX children and me and my husband we are now facing a financial hardship. They have reluctantly stop me from recovery of fund and have slander many of time. This is not a place that we trust. Were in process of transferring banks.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: P&B Capital Group, LLC (TX)

To Whom It May Concern : I filed a cfpb complaint against P & B Capital on XX/XX/XXXX. They responded on XX/XX/XXXX. I have since retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute. 

You have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, you must now remove the item.

Any other action or inaction on your behalf will result in a small claims action against your company.

I will be seeking { {$5000.00} } in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous attempts to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$8300.00} XXXX XXXX  Bankruptcy Reference # XXXX Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted the clerk of court because there's a bankruptcy on my credit report and I asked them if they reported this to the credit bureaus and they send me a letter that they did not. I tried disputing this information and so far XXXX  deleted this but XXXX and TransUnion are not deleting the information.
Consumer complaint received 2023-07-13
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: AES/PHEAA (NJ)

I called AESXXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX  years for the account to fall off of my report. XXXX years later, my credit scores ( XXXX and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with XXXX recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.
Consumer complaint received 2019-03-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CT)

Experian refused to update a account although i privided adequate documentation. XXXX XXXX paid off XX/XX/XXXX. XXXX XXXX XXXX XXXX removed as a authorized user on XX/XX/XXXX. No actions were taken
Consumer complaint received 2017-10-13
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: Consumer Portfolio Services, Inc. (PA)

XXXX XXXX, XXXX I called XXXX XXXX XXXX about an inquiry on my credit report. I did not authorized them to do. Upon speaking with XXXX, the XXXX I learned that they pulled for XXXX XXXX XXXX. I asked for a copy of My signed authorization. Oh course, XXXX refused to provide me with a copy of My consent. She instructed me to contact XXXX XXXX XXXX. I called them and they indicated they have no record of me on file in none of the XXXX offices and they also informed me they do n't use XXXX XXXX XXXX used XXXX. I asked them to provide me a letter stating that fact and to notify XXXX XXXX XXXX to have inquiry removed. Both companies refused to do so and this has been on my credit report since XXXX/XXXX/XXXX is doing great damage to my credit worthiness.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

According to title 5 subsection 552, it appears an alleged debt in my name was paid for, can you confirm?

Upon making a request with FOIA, Ive been give information about a 1099-c.

I asked how thats possible?

I never filed a 1099-c, nor have I give power of attorney.

Ive become suspicious of the account.

Are you aware of 1099-c filed in my name without my consent?

I mean, its actually not the worst thing possible.

After you let me know the previous question regarding the 1099-c, could you tell me about any associate certificates?

You havent heard of a certificate of indebtedness, have you?

It sounds bad, doesnt it?

Then again, we have legal tender that satisfies all debts public and private, do we not?

Now, are you aware who filed my taxes?

Also, are you aware a certificate of indebtedness is considered income?

If someone did my taxes without my knowledge, and its unable to locate in my account on XXXX ; shouldnt I be concerned?

Did your company, JP MORGAN have hackers steal my information?

Havent I sent you an affidavit of identity theft? Maybe now it makes sense that my identity was stolen since someone filed my taxes which are accessible on my irs account and it was considered income, weird right?

How could someone file income tax in my name and Im not able to see it?

Now I may be responsible for unpaid income taxes, am I going to jail?

What if I go to jail for tax evasion?

And I told you I had identity theft, and you ignored me?

Its like your company has some thieves using my social security number, have access to my securities, and thats alright, but the owner of the card is denied access, right?

I have only questions, can I get answers?

When did your company find out about taxes filed in my name and are reporting it as income?

If I go to jail because of your companies willful negligence, thats {>= $1,000,000} per occurrence, per officer, per offense, isnt that concerning? 

Actual damages would be like {>= $1,000,000}, and I looked up a case law with XXXX actual damages for punitive damages, wow, maybe identity theft is a good thing, is it? 

I am really confused, your company is doing something with my property, other people can use it, youve had your own hard inquiry and soft inquiry, so why you can use my social security credit but not me, are you paying my bills? 


Can I see the accounting? 

Did you come out of pocket? 

Were you injured in anyway? 

How can I pay for a debt with debt? 

Isnt this a discharge event? 

Arent all debts pre-paid? 

Why arent you answering me? 

Can I pay any alleged debt? 

If I pay any alleged debt, will I have access to my social security card, or have you only let people other than me use it?
Consumer complaint received 2022-07-18
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: Fidelity National Information Services, Inc. (FNIS) (CO)

I am a victim of ID Theft. I filed a fraud dispute with Chex Systems and they failed to verify the debt and/or provide documents used to verify the debt as allowed per FCRA. 

I filed the dispute online for fraud accounts listed with them and multiple inquires. I filed on fraud accounts listed with XXXX XXXX, and XXXX XXXX. They were sent police report and FTC reports. I contacted them via phone to about the disputed information. I was told that the documents needs to have a handwritten signature. FCRA does not require a FTC or police report to be handwritten or signed. The supervisor refused to remove the fraud account of XXXX XXXX and I was notified it was verified as " accurate ''. I contacted XXXX XXXX to get the documents used to verify the fraud and nothing was provided. I asked Chex Systems to provide me with the documents used to verify the debt and nothing was given and told Im not entitled to anything. That is there policy. 
They are in violation of the FCRA and I am seeking litigation against them and will seek all damages allowed by law. They need to remove the FRAUD ACCOUNT AND INQUIRIES that were disputed and send me an updated copy of my report. I was told if it was signed it would be removed immediately. I have the conversation recorded for legal purposes. 

Chex Systems is not following FCRA guidelines for disputes or providing documents as requested to show the reason why an account was verified. 

XXXX XXXX has no documents to show ownership. They have no copies of and ID or SS card. No signature on file, fraud address was used to open the account. Account closed checks from other parties were used in this account.
Consumer complaint received 2022-07-18
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. (FL)

On XX/XX/2022 XXXX stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 

Account Name : Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX TransUnion stated the accounts listed below was properly investigated, which is not accurate because the open dates, are still inaccurate. The date last active is inaccurate, and date last reported is still inaccurate. Due to inaccurate information being reported this is grounds for IMMEDIATE DELETION. XXXX has also violated my rights under 15 USC 1681, Section 604 A Section 2. Which the law stated a consumer reporting agency can not furnish an account with written instructions from the consumer. I have not provided written instruction/permission to furnish these account on my credit profile. Lastly, please advise how you were able to verify and properly investigate my credit file as you claimed, when my credit profiles has a freeze on the Please see credit freeze letters attached. 


Please correct my address:XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX FL XXXX Account Name. Account Number The XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was contacted on XX/XX/21 apprx. XXXX XXXX. and XX/XX/21 apprx. XXXX XXXX from " Bank of America XXXX Fraud Department '' stating that someone had setup a XXXX transfer from my bank account to a XXXX XXXX account. They stated to prevent his from going through that I would have to set up a XXXX tranfer using my name and contact # of which I did in the amounts of {$100.00}, XX/XX/21 and {$3100.00}, XX/XX/21. They also informed me that the funds would be refinded back into my account after 24 hrs. which did hot transpire. Contacted Bank Of America and spoke withh the XXXX Fraud Dept. and was informed that I basically fell victim to a scam. Also infrormed that this scam has been ongoing problem with B of A customers
Consumer complaint received 2022-07-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (AZ)

Freedom mortgage continues to provide in inaccurate payment history to Lenders I am trying to refinance. The last payment history Freedom provided shows 30 day late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the inaccurate payment history.