davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Empowerment Ventures, LLC (CA)

My complaint is with Rush Card from XXXX XXXX on XX/XX/XXXX I received an email telling me about a maintenance cleaning that they were going to be doing and that it would only last for four hours the next day I thought it was fine and that I would be able to pay my bills ( pay-cellphone bill, gas in the my car, buy food for my kids, get costumes, buy personal things for my self ) but everywhere I went they told me that my card was declined. and I 'm still struggling today because of it.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2015-10-21
Product: Prepaid card — ID prepaid card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CT)

I have a Rushcard account, which I opened XX/XX/2015. I have been adding funds to the card without any issues, However, on XXXX XXXX, 2015, I added a total of {$1000.00} to the card XXXX XXXX separate transactions of {$500.00} each ). There is no record of the the reload that I made on XXXX XXXX. On XXXX XXXX, I added another {$500.00} to the card, which is also not being reflected when I call Rushcard 's card services automated line. I called the company on XXXX XXXX and was able to speak with a representative who told me that they were updating their systems and that the system would be working by XXXX XXXX on XXXX XXXX. I checked my balance again on XXXX XXXX, and my balance was still XXXX. I called Rushcard again and spoke with a representative who asked me for all of the numbers on the receipt, including a transaction number. Once I read every number on the receipt, I was informed that none of those numbers were recognized by their system. She then told me to go back to the retail outlet where I reloaded the card to ask them for the transaction number, I did and was told by the store manager that the numbers on the receipt should suffice for Rushcard to identify my reload. I called Rushcard again on XXXX XXXX and told the representative what the store manager said, and at that time the representative told me that she would escalate my complaint. Since XXXX, I have not received a response from Rushcard, and to make matters worse, I have called card services at Rushcard at least 30 times since then. When I press " XXXX '' for a representative, the phone rings once or twice and then I am disconnected. The automated system is still reflecting a XXXX balance on my account.
Consumer complaint received 2015-10-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dynamic Recovery Solutions, LLC (NY)

Well, this collections company sent me a letter in the mail recently stating that I owe a debt in the amount of {$2200.00}. However, it is passed the statue of limitation because the debt was all the way from 2002.
Consumer complaint received 2024-03-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NM)

Student loan was forgiven but the same month then loan was forgiven Navient was pushing lower refinance rates under Navi-Refi but failed to inform me that the student loan was being forgiven. When I refinanced it was converted to a personal loan. I believe Navient in an effort to collect used predatory practices so student loan would not be forgiven. As it was an XXXX forgiven loan Navient was aware and used and the lower interest rate on a private loan to lure students into personal loans. After contacting Navi- Refi they offered a settlement attached.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

TO WHOM IT MAY CONCERN I am writing this fax concerning claim # XXXX involving three online transfers of the amounts ( {$840.00} on XX/XX/XXXX, {$1400.00} on XX/XX/XXXX, and {$1400.00} on XX/XX/XXXX ) made from my current restricted account ( ending in XXXX ). I submitted a claim on XX/XX/XXXX concerning the online transfer which was made through an external account that was verified with my account ( ending in XXXX ). This external account happens to be a XXXX XXXX account not in my name which was being verified by Chase on XX/XX/XXXX according to my secure messages. 
As of now, the investigation period has closed and I was sent a letter this morning stating that my claim had been closed and my funds would not be refunded. I called numerous specialists and representatives about the details of the investigation and was informed that the transfer occurred from a familiar device : My XXXX. My XXXX is currently the name of the XXXX I own and I learned more from the Claims department that I logged in through Face ID verification. 
I went ahead to do some investigation of my own and noticed that I have three unknown devices that I do not own in my Device History. I proceeded to call the Claims Department and got in contact with a Claims Specialist who was able to confirm that no new devices were used to access my account. For the record, I personally own an XXXX and a XXXX only. In the Device History, three XXXX devices, two XXXX, and one XXXX is listed ( screenshot provided below ). The Claims Specialist was happy enough to provide me with the timestamp of the online transfers and they happen to be one minute behind from logins on my XXXX and an unknown XXXX device ( screenshot provided below ). As stated above, I do not own a XXXX device. I made sure to make a recent login through my XXXX and XXXX to verify this as there were no logins made into the three unknown devices after my account was restricted on XX/XX/XXXX.
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (PA)

Starting XXXX XXXX 2015 I was not able to use my rush card to access my money due to what they called a update that was suppose to happen at XXXX and end by XXXX the same day. It end up going on for several weeks. I was locked out of my account my debit card was inactive for several weeks. My direct deposit was late. I also incurred late fees for bills that did not get paid because I have no access to my money. When I tried to call customer support I was hung up on every single time not even getting the chance to speak with anyone.
Consumer complaint received 2023-04-05
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. (NC)

In accordance with the Fair Credit Repair act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 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 1681. ( 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 then 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 information is accurate
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I Have a second mortgage that was sold to GREEN TREE/DITECH. This account was sold several times. IT IS XXXX XXXX XXXX XXXX ACCOUNT. Many of my payments went unreported. I asked for loan modification from Green Tree, they told me no. They did not give me any option but NO. Green Tree has tried everything they could to foreclose on my home. They put my number on auto dial which is robo calling. They call my phone many times a day. I have worked hard and paid my bills and my mortgage. The balance barely went down after paying all of the years that I have done so. This is wrong. Now I find out that Green Tree is Ditech. I am writing you for some type of justice with this matter
Consumer complaint received 2022-02-04
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account :XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXX FIN SVCS XXXX XXXX Date opened XX/XX/XXXX Balance - / XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX / XX/XX/XXXX XXXX Date opened XX/XX/XXXX / XXXXXX/XX/XXXX XXXX Date opened XX/XX/XXXX Balance / Public Record Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX / Bankruptcy XX/XX/XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX -/ XX/XX/XXXX Inquired on XX/XX/XXXX 2020
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-04-05
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. (GA)

I noticed a few inconsistencies as well as inaccurate information on my credit report. Therefore I sent letter methods of verification, requesting to verify the debt. Shortly after receiving my letter, in response I received notice that the accounts I mentioned had been verified. Which is impossible. Because these accounts are clearly inaccurate. Showing all kinds of inconsistencies.
Consumer complaint received 2020-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX, CO XXXX RE : Account ( XXXX ) To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 



I want you to know that I understand and have great respect for my financial obligations. 



Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account on my credit report for late Payments. was under the impression that the payments were being taken out of my account faithfully. 



Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 



Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 



In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 8 late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 



Thank you for your consideration. 



Have a blessed day!
Consumer complaint received 2022-02-04
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. (TN)

Hello this is a formal complaint to request all credit reporting agencies including XXXX, Transunion, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX  # XXXX, LA XXXX XXXX # XXXX, LA XXXX XXXX # XXXX XXXX LA # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Tormey Bewley Corporation (NM)

I was told that if I entered into a payment arrangement with them that they would not report the debt to credit. I started making payments immediately. I then checked my credit a month or two later and they in fact had started reporting the debt negatively to my credit.
Consumer complaint received 2023-04-05
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I made a call to Transunion about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my Transunion and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/2016 XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Ran unauthorized inquiry on XX/XX/2016
Consumer complaint received 2022-07-20
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. (MO)

I am disappointed in seeing the Credit Bureaus take no action in order to remove the fraudulent information from my Credit Report. I have been sending multiple letters with complete attachments of my personal information and an ID THEFT REPORT I received from the FTC. But despite all my efforts to establish a good communication with the Credit Bureaus, the Credit Bureaus have been ignoring my letters as well as became non-compliant with the FCRA section 605b. The Items I am disputing do not relate to any transactions that I have made or authorized, neither did I received any benefits resulting from the theft of my Identity. Also, the Credit Bureaus continued reporting these items without proper verification and authentication. I am appalled by the Credit Bureaus negligence. By submitting this complaint, I am reminding the Credit Bureaus of their obligation with the Fair Credit Reporting Act section 605b. I need the following items deleted completely from my Credit Report : XXXX XXXX  XXXX, XXXX, XXXX  XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX  XX/XX/2022 XXXX  XXXX  XX/XX/2022
Consumer complaint received 2022-02-04
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: EQUIFAX, INC. (PA)

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 sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It seems to me that my paid hospital bills still show up with a balance and bills I paid off back in XXXX still appear. I am desperately trying to improve my credit score and I called Transunion and was told to contact my creditors. I did that and each creditor informed me that they had in fact sent " hard updates '' to the agencies and I asked that they resent those updates which they did. Since we are now at the end of XXXX, I have no idea why my credit reports mainly show updates from XX/XX/2015. Please help me.