davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )
Consumer complaint received 2022-08-01
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account, 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 an account without my written instructions.
Consumer complaint received 2022-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I currently have a collection account with XXXX XXXX XXXX XXXX with a current payment arrangement. Equifax is report this account twice on my credit report. I only have 1 account. The duplicate account is negatively affecting my credit score and the purchase of a home.
Consumer complaint received 2018-08-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: DISCOVER BANK (FL)

RE : Previous complaint No. XXXX - **** Inadequately disclosed outrageous early withdrawal Penalty. **** I finally did receive a copy of the " Deposit Account Agreement '' which I requested from Discover Bank with 3 or 4 phone attempts starting well over a month ago. Thank you. While this agreement does show the early withdrawal penalty for my 10 year CD being the outrageous 24 months of simple interest I was not well informed of this penalty being the 24 months instead of the 7 months penalty of my previous 2 CDs with Discover Bank. It is claimed by Discover Bank that this online application was electronically signed which I do not remember but would not have agreed to the 24 month penalty if it was made apparent to me. It had to be concealed in " fine print '' somewhere - I now understand why - who would open a CD with a 24 months penalty for early withdrawal. 

I want to be refunded 17 months of simple interest.
Consumer complaint received 2022-04-15
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. (CA)

According to the Fair Credit reporting act ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
Consumer complaint received 2018-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I never received formal documentation that Navient obtained my Stafford Loans and I never got to choose a repayment plan and never was notified that my loan repayment had begun. As a result, I am MANY months late and faced a huge credit score hit ( Down 150 points ) recently. If I had known about Navient collecting my loan i would have had no problem paying it off but now I'm way behind and my credit score is way worse.When I told Navient to send me any documentation of me agreeing to the term of the loans or my repayment options they told me I to go to StudentLoans.gov and look those up for myself which doesn't seem right. 

The total of the loans is {$22000.00} and the repayment began in XX/XX/2018  but I first learned of this only a couple of weeks ago.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ME)

Secured credit card with XXXX, Paid {$1000.00} security deposit. Account closed by XXXX and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Consumer complaint received 2022-08-01
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. (NV)

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
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 2018-08-27
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. (ME)

I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Consumer complaint received 2018-08-27
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: Navient Solutions, LLC. (ME)

I Sent a letter and legal documents to Navient regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to
Consumer complaint received 2018-08-26
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. (FL)

I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

Dear Sir, I am going through the XXXX Credit Report dated XX/XX/2018 and also checking inquiries on my report. I have closed all my individual chase credit cards on XX/XX/XXXX and XX/XX/2018 respectively. I have noticed that, XXXX credit report has fraudulent inquiry of Chase Credit Card dated XX/XX/2018. Chase is a fraudulent credit card company and hence I have closed all the credit cards, same has been recorded in CFPB complaints, Fraud and Identity complaints. 
Why did chase inquire about my social when I have not contacted chase card or I do not have any plans to have any kind of chase credit card. Could CFPB direct chase card/XXXX to explain me the reasons of this inquiry dated XX/XX/2018. Could CFPB direct chase card/XXXX to issue me an official letter on this inquiry, anyone fraudulently obtained any card using my social, need complete details of this fraudulent inquiry dated XX/XX/2018 on my XXXX  Credit file.
Consumer complaint received 2018-08-26
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AFNI INC. (NV)

I received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. 

It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). 

Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}
Consumer complaint received 2018-08-26
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: SYNCHRONY FINANCIAL (FL)

I stated several times that the creditor name XXXX XXXX which is a timeshare that its not mine and the creditor keep saying its reporting correct. Also they put under note that was updated as of XX/XX/2018 when it has not been active for 6 years.
Consumer complaint received 2022-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I was just scammed out of {$520.00} via XXXX. I got a fraud alert on XX/XX/XXXX saying that someone was trying to XXXX themselves XXXX out of my account and to press yea or no if it was me. When i hit no i then received a message saying i would receive a call from the fraud department. I got the call and they walked me through what i had to do to stop this fraudulent XXXX from going through and ultimately they had me send them the money that was in my account. I called chase and reported it immediately and they said that it was nothing they could do.
Consumer complaint received 2018-08-26
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. (FL)

When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
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: EQUIFAX, INC. (PA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I've put experian on notice numerous times asking for them to delete inaccurate personal information by mail and they refuse to remove them. Experian is the only agency whom does not comply to delete outdated, inaccurate, non deliverable to me addresses and names. experian is reporting numerous last names that is NOT on my social security card. I've sent them a copy of my social security card, drivers license as well as proof of address and they refuse to comply. there is no were in the FCRA handbook that specifies for old outdated information to remain on my consumer report. I've dispute with XXXX and XXXX and they both have complied to FCRA by deleting the outdated information. why hasn't experian complied to FCRA regulations?
Consumer complaint received 2022-08-23
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. (CT)

Reporting a balance on multiple charge off/ closed accounts which is a violation of 15 U.S. Code 168e ( b ) and 15 U.S. Code 1681i ( 5 )
Consumer complaint received 2022-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TRUIST FINANCIAL CORPORATION (NC)

Within the last four monthly payment cycles, the interest charged for my auto loan has varied up to 80 %. The first and second monthly payment were made on the same dates for the same amount and the interest charged increased 49 %. The third monthly payment increased an additional 24 % from the second monthly payment interest charged. The only thing customer service could tell me was that the interest charged varies month to month and could not provide an answer as to why the interest increased when the first and second payments were made the same day for the same amount when the principal balance obviously decreased. It would seem that Truist is charging can not be explained.
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter to Equifax on XX/XX/2022, requesting to investigate and verify the accuracy of the accounts on my Credit Report. These accounts are reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous accounts and have them corrected or deleted from my file. 


XXXX  XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

Regarding CFPB Complaint Number XXXX and CFPB Complaint Number XXXX, which SLS  claims to have been rectified, SLS has not yet provided me the {$11000.00} they have owed me, and claim to have sent in XXXX XXXX. I emailed them multiple times through the portal throughout XXXX XXXX, telling them I have not received these funds. After calling SLS over the phone last week on XX/XX/XXXX they stated ( for the first time ever ) that they sent it via XXXX, but never ended up providing me a tracking number. If they had provided this tracking number weeks ago, I would have avoided hopelessly checking my mail for several weeks thinking that an over {$11000.00} check would finally come. 

Last week ( XX/XX/XXXX ) I asked them to reissue the check, and expedite it, after being nice enough to tell them last month that I was okay with waiting a few more weeks to wait to see if it came. I called again this morning ( Monday XX/XX/XXXX ) to check on the status of this reissuance, and they told me it can take up to XXXX business days. They stated the initial case was not even sent to the right department, and it looked like nothing had actually been done to expedite this matter. Their reissuance timeline would have result in me having to wait over XXXX months in total to get these funds from the date they claimed this check was sent, and would be several months since SLS initially owed me this money. 

SLS is literally stalling on giving me these funds. At one point they claimed they would be waiting on their bank to process the stop payment, when banks do not ordinarily take several days to process a simple stop payment. They opened another case this morning to try to get it to me faster, but I am not exactly confident this will actually happen. 

I am filing this complaint so that these issues are chronicled in the CFPB system and so that this does not happen to any other parties.
Consumer complaint received 2022-08-01
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 XXXX Account 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
Consumer complaint received 2022-10-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (MO)

After using the check cashing service by Ingo Money on XXXX twice they suspended my access after 2 successful cashings of valid checks saying that they had determined that my account exceeded their risk criteria. 

They did not give me an explanation for why I exceeded their risk criteria or a means of appealing the ban on my account. 

Ingo Moneys check cashing service has cornered the market in terms of providing check cashing services to online debit and checking account services. Most ( certainly above 70 % ) of these services use Ingo to allow users to deposit a paper check. Big examples of apps using Ingo include : XXXX, XXXX, XXXX, XXXX, XXXX, various XXXX XXXX XXXX rebranded accounts sold in starter kits in retail stores, among others. 

Banning me from Ingo without an explanation nor means of appeal seriously disadvantages and impedes my ability to utilize banking services and keep myself organized financially in general.
Consumer complaint received 2018-08-26
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. (AZ)

The following accounts and credit inquiries listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XX/XX/2018, XXXX, XX/XX/2018.
Consumer complaint received 2018-08-26
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. (IL)

XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX all was ask to remove inquiries. Called multiple times a day.