davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (NY)

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 am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for Equifax to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information Equifax present does not match with what I have! I am requesting them to stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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. (IL)

I have been disputing negative elements of my credit for a long time and I have not received a response from the credit bureau. For example, I have an account in " Repossessions '' status with XXXX XXXX and it is not correct, I am up to date with this account.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (ME)

XXXX fraudulent charges were placed on the credit card for money transfers were made over a XXXX day period. The charges were made by unknown individuals to me who were not authorized to use the card. The transactions were also place in a state that I have never been to let alone made a transaction in. 

XXXX of the XXXX transactions were removed by the credit card company. However, the credit card company claims XXXX of the transactions were authorized and refuses to remove them.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Discover Financial Services Account Opened XXXX High Balance carried from XXXX Minimum Payments met full balance on card paid off on XXXX automated system reduced credit on XXXX from XXXX to XXXX in accordance with CFPB and FTC law no alert was given to myself ( customer ) in any form when action was taken. 

it is also suspect that no automated credit adjustment was taken within the previous years of XXXX until full balance was paid off.
Consumer complaint received 2022-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I received an email notification from PayPal that I had transferred {$200.00} to my son. Shortly thereafter, I checked my PayPal transaction history and it indicated that I had sent two payments of {$200.00} each to my son on XX/XX/2022. I changed my password immediately and notified PayPal that I had not sent the money on either transaction. They looked in my history and saw that I had previously sent money to this son and said nothing was wrong and that they were doing nothing. Yesterday, XX/XX/XXXX, they sent my son an email saying that they were holding one of the {$200.00} transactions because of suspicious activity on my account. They refuse to address the basic problem that someone made two {$200.00} unauthorized transactions removing a total of {$400.00} from my bank account. This is theft and fraud. 

XXXX XXXX
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I patiently waited for Equifax to uphold my rights under the Fair Credit Reporting Act however they have failed. The XXXX XXXX listed on my credit report is in violation of my rights under the Fair Credit Reporting Act which states that everything must be 100 % accurate on my credit report. I contacted XXXX ( XXXX ) on XX/XX/2022 at XXXX XXXX, asking them to verify this account and they were unable to do so because there is no record of my full name and SSN. Equifax stated my account was properly investigated on XX/XX/2022 ( see attachment with confirmation number ) but how is this possible when there is no record of me in the XXXX database. I demand to know who Equifax is verifying this information with when they are the only credit bureau reporting this inaccurate information which also shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I am continually penalized by Equifax for upholding my right under the Fair Credit Reporting Act because each time they inaccurately complete an investigation and report this inaccurate information on my credit report it pulls my credit score down by -30 points. Please hold them accountable for violating 15 U.S.C 1681!
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (CT)

I migrated from Peoples United to M & T bank as part of their take over on XX/XX/2022. On date after transition on XX/XX/XXXX, as instructed by M & T, I checked my new M & T account to see if my scheduled bill payments had transitioned. There were three scheduled payments for XX/XX/XXXX to three different credit cared accounts., and all appeared to transition successfully. On XX/XX/XXXX, I learned that only one of three payments were made as scheduled on XX/XX/XXXX, resulting in over {$250.00} in finance and late fees, and unknown damage to my credit score.. I immediately called M & T to see how they were going to rectify my situation. I was on hold for close to 3 hours. Finally, the individual who answered researched my issues. She told me that " on her side '', they only saw the payment that was made and not the others that were scheduled. It really made no difference to her that " my side '' told me all of the scheduled payments had transitioned. She advised me that it was my responsibility to reschedule any payments that were missing. I repeated that they were not missing when I reviewed my account on XX/XX/XXXX. How was I to know that M & T would " loose '' my scheduled payments between XX/XX/XXXX and XX/XX/XXXXXXXX? In sort, after 30 minutes of back and fourth on the same subject -- " her side '' wins and I am out {$250.00}. I have been through at least XXXX bank transitions after take-overs and have never experienced anything like this. Every transition I have been through, while unpleasant due to manual labor involved, was error free. How does a bank drop the ball like this for so many former Peoples customers and get away with it?
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: EQUIFAX, INC. (MT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-01
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)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance XXXX {$660.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$680.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXXXXXX Balance : {$680.00}
Consumer complaint received 2022-08-23
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. (PA)

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
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: EQUIFAX, INC. (FL)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXXXX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

This letter is regarding Navient ( the largest student loan servicer ) and their continued systematic, manipulative, and fraudulent treatment of borrowers. [ i ] I understand that the Iowa Attorney General is a signatory on the XXXX brief filed with the United States Court of Appeals for the Third Circuit on XX/XX/XXXX. [ ii ] However, the class action lawsuit will likely take several years, at best, to resolve. 

Meanwhile, Navient is still making money by actively defrauding borrowers and cosigners in a multitude of ways, to wit : changing repayment plans without the borrowers consent, poor customer service and bad information causing borrowers distress, servicing transfers leading to surprising fees and lost benefits, and Co-signer policies causing auto-defaults and borrower distress, and using roadblocks to refinance keeping borrowers tied to high-rate loans, just to name a few. [ iii ] Specifically, I ask you to provide relief for XXXX XXXX ( borrower ) who owes thousands more than her original loan taken out in XXXX, and XXXX XXXX ( cosigner ). We have tried for several years to have XXXX removed as a co-signer, but every time XXXX gets close to the year required for on-time, level, auto payments, Navient changes the rules quite literally keeping XXXX captive to Navient. XXXX is being held hostage and when she called Navient on several occasions there is always some reason why she can not be released. During one conversation, a Navient rep actually hung up on her! 

If Navient were XXXX or some other company, the public would be enraged, and the government would have fixed this behavior within a year. 

If Navient is doing this to the above-mentioned individuals, it stands to reason that they are treating all customers in this way. 

[ 1 ] The complaint against Navient Corporation, Navient Solutions, and Pioneer Credit Recovery is available at : XXXXXXXX XXXX XXXX.consumerfinance.gov/XXXXcfpb_Navient-Pioneer-Credit-Recovery-XXXX XXXX 1 ] XXXX brief filed in the U.S. Court of Appeals for the Third Circuit XXXX XXXX XXXX [ 1 ] XXXX XXXX //www.consumerfinance.gov/XXXX/cfpb-XXXX
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MA)

I am filing a complaint cause I have had my account used by someone that is not authorized or known. 

In the month of XXXX I had noticed a lot of charges on my account. I had about 5 authorize users on the account that are close and trusted family members. I was not able to get a hold of everyone at the same time so I placed a lock on the account. One of my authorized users XXXX XXXX was in the middle of purchasing a vehicle with XXXX and all my users have my log in info to see transactions. 

He unlocked the card to proceed with the XXXX down payment and he said he attempted to lock the card again but was having issues. 


by the time we spoke more charges went on the account. I let discover know the situation they gave me credit and en of XXXX decided to say I'm responsible for the charges cause the card was unlocked. And the situation was as I stated above. 

I told them what were the valid charges and they have refused to give me credit Since then I removed all my users to prevent something like this happening again
Consumer complaint received 2022-08-01
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. (TX)

Upon reviewing my reports, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2022-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

I recently have been receiving emails requesting my information regarding a co-signer release affidavit form through Navient. It should be of note that I have been receiving these requests for years from Navient. Among these requests I feel as though Navient deceived its borrowers by capitalizing on low income/impoverished homes who didnt have a strong sense of financial literacy. To date, my private loans continue to compound via crippling interest. I continue to make payments in the hopes that I will be able to make progress. I would appreciate the CFPB to investigate the former and current proceedings that Navient is doing. I believe that myself and thousands of others have been exploited by this private lender, and have nothing to show but debt.
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

My XXXX XXXX XXXX is currently being financed and I filed for a state title transfer ( CA to NY ) request in XX/XX/XXXX and was notified online that the entire process should take XXXX weeks. Hyundai Motor Finance received the paper title from California in XXXX and claims to have sent me the documentation requested which was never received to my address. After contacting customer service, I have been told every possible excuse as to why my title which they have been in possession of for 5 months has not been sent to the NY XXXX. I requested that a certified copy be sent to my home address, and I have been told that Hyundai Motor Finance is incapable of certifying a copy and must send the original title to the XXXX which was never sent. I was then told that misinformation and that they can certify a copy and will be sent out. After no movement, I again called and was advised that my request was denied because they only send out the original title but that has to be requested by the XXXX themselves. When I contacted my local XXXX, a XXXX representative called Hyundai Motor Finance and clarified that they do not request information like that, and that Hyundai Motor Finance is responsible for sending me, the client, a certified copy of my title to complete registration of my car. Most recently ( as of XX/XX/XXXX ) I was told that there has been no progress made on my request because only clients with paid off accounts can receive a certified copy of the title, and any situation otherwise ( still financing ) would need the original title be sent to the NY XXXX. I have been trying to get this resolved since XX/XX/XXXX ( multiple calls/week to Hyundai Motor Finance XXXX which is when this request should have been completed by. My registration for my car has been expired for over 2 months now, and I am unable to move or drive the car and must pay for private parking in order for the car not to be towed and impounded by NY state for being unregistered. I simply need a certified copy of the title ( which is legal ) for my car that is being financed sent to my home address so that I can have it be registered in the state of NY and drive-able.
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: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX UNIVERSITY ) XXXX Balance : {$3300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF XXXX ) XXXX Balance : {$96.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00}