davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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)

Despite the multiple previous written requests, the unverified items 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 these items is being reported correctly? Who verified these accounts? 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 ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( 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 willful non-complying with the FCRA.

Since you claim youve verified the accounts 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 THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Consumer complaint received 2019-03-06
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. (PA)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (NC)

Good Morning : I had completed the loan process with New American Funding for a condo at 10 % down. The loan was approved and as such, I satisfied all pre-pays to include inspection, appraisal etc. As a result, I received a closing disclosure less than a week prior to the scheduled day. New American comes back on the day of scheduled closing ( XX/XX/28 ) and indicates they can not process the loan as previously approved and would need 25 % down. I am seeking actual damages as well as compensation for the loss off opportunity on this property. 

Mortgage rep : XXXX XXXX XXXX Underwriter : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was looking for an affordable small business owner that can help drive traffic to my XXXX or XXXX XXXX.I went to XXXX so i can support another small business owner and also to get an affordable services, an amount i can afford.I replied to some post and a few about 4 responded to me.A day or two i got someone who contacted me and said he could do the job, he offer to do retargeting and SEO.He said he will do SEO for {$300.00} and Retargeting for {$600.00} that is a one time payment and if something gets broken he will fix it at no additional cost.The total was {$900.00} I borrowed the money and paid him on theXX/XX/XXXX through XXXX  the sum of {$800.00} and to finish {$100.00} after the job has been done. He asked to be paid through XXXX saying that his XXXX account has problem ( I prefer paypal for all my business transactions ) .From the day he recieve the money is one complaint to another, he wants to transfer my online store to XXXX  or XXXX or he is looking for COVID Kit all day all over the place or he is doing plugins or he don't like XXXX  or he wants my XXXX password to make sure pixels are well connected or the pictures are not good even if we drive traffic to your site no one will buy ... He does nothing on the site, no work done. As nothing was being done i insisted an not moving my site from XXXX  platform and that i know XXXX  is the 5th best ecommerce site and we can change when i have money but for now lets work with XXXX.No tranfer attempt was even made or any work was done just noise on the phone to play over my intelligence. On the XXXX in the morning i increase pressure on him and he said he will run the site and in the afternoon give me feedback on why the site is unhealthy and get the work done. I text him all day till XXXX no reply from him then till today.I never knew someone will register a business to scam people.
Consumer complaint received 2019-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have several accounts with Bank of America, I have a business account that I have not used for the last 2 years and due to the amounts I have in my personal and business, I was told I would not be charged a monthly fee. This has been untrue, bank XXXX XXXX, has been, charging me {$22.00} a month for the last 2 years and I want my fees back, since I have maintenance the amount in my personal and business accounts combined. Did not notice the fee coming out, because I do not use this account
Consumer complaint received 2022-10-06
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: SYNCHRONY FINANCIAL (FL)

April 19,2017 08 Synchrony Bank {$320.00} account file # XXXX. In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXXSynchrony Bank 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 written instructions.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (GA)

I have submitted an identify theft report to XXXX about some inquiries that are on my credit report and they have failed to validate who the spoke to during theyre investigation saying that those inquirs are factual according to the FCRA these inquires must be removed if stated as FRAUD
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

Mohela states my student loan payment count is at XXXX/XXXX. All of my employers have certified my employment with the US Federal Government since XX/XX/XXXX. Mohela state there is nothing they can do the get the remainder of the payments entered so that my loans can be forgiven. 
Mohela has put me into an administrative forbearance which ends in XXXX, XXXX I submitted all of my documentation by the XX/XX/XXXX deadline and have been waiting since that time. I phone them every month and get the same response as stated above that Mohela is waiting on the Dept of Education to key in the payments and there is nothing Mohela can to do the expedite this while interest accrues.
Consumer complaint received 2022-01-17
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 Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CXXXX XXXXXXXX ( XXXX  XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (WI)

My parents live in XXXX, XXXX and have an unlisted phone number, as do I. They were contacted today by an outsourced company that sounded like it was from the XXXX asking how to contact me. They contacted me minutes later, telling me that I was to receive a legal document in the mail, and they could not tell me anything more, but I needed to call XXXX XXXX, and they gave me a Complaint # XXXX. The phone number the call came from is XXXX. 
When I called the number a man answered and said it was a law firm and transferred me to someone himself as a paralegal. When I asked him how he got the unlisted numbers of my parents and I, he said they had resources for getting in touch with Defendents who were about to be served with court papers. 
He then told me he was with XXXX XXXX XXXX, and that a XXXX Captial debt from over 15 years ago ( Sam 's Club Credit Card ) for {$2400.00} that had been XXXX in a Chapter XXXX Bankruptcy in the XXXX XXXX XXXX XXXX, WI. about 13 years ago was still owed, and with interest had now grown to {$6400.00}. 
I explained to him about the Chapter XXXX Bankruptcy, but he said that he did not care and I would be receiving a court summons in the mail tomorrow. 
I see a lot of people have posted on the internet about be a victim of the same scam from XXXX XXXX XXXX.
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (KY)

I got a MasterCard Credit Card when I moved from Illinois to Kentucky. I got it through SEARS.It was XXXX percent interest. I have not used it for the last 17 months. They told me I had to use it before XX/XX/19.If I  did not use it by then they would drop my credit limit from XXXX XXXX down to XXXX XXXX. This will effect my credit score. If I cancel it it will change my score, if they lower it, the same thing will happen. To me this is BULLING to make me use the card. I am a XXXX XXXX XXXX. I call this BULLING by CITIGROUP BANK. I can not understand how these BANKS can do this stuff to people.I think it is forcing me to use this card, when I do not want to or afford to. CITIGROUP BANK called me, after I put in a complaint the phone # XXXX XXXX XXXX XXXX on XX/XX/2019 at XXXX XXXX They did not solve anything. 

XXXX XXXX XXXX, Ky.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (CA)

My dispute is regarding a fraud issue with American Express XXXX which is a prepaid card from the American Express Company. On XX/XX/2021, there were 3 unauthorized withdrawals from my XXXX account. ( XXXX for XXXX, and XXXX for {$300.00} XXXX. On XX/XX/2021, there were 2 unauthorized withdrawals from my account XXXX both for {$200.00} XXXX. Each of those amounts include {$1.00} service charge. All 5 were from 2 different XXXX restaurant ATMs in XXXX, NY. I discovered my loss of funds when I tried to use the card for a purchase on XX/XX/XXXX, and it was declined. {$1100.00} had been withdrawn from my account. I called the American Express Serve Fraud Division, and made a claim immediately. They sent me by email copies of the 5 transactions, and requested I send them a Declaration of Fraud, which I sent to them right away. Several days later, I received an email from American Express telling me that my claim had been denied, and that if I wanted to know why, I had to request an explanation by mail from an address in Georgia. I reopened the investigation, and requested an explanation by mail, to which I never received a response. I once again submitted a Declaration of Fraud, and was denied. After being denied for claims on XX/XX/XXXX, XXXX, and XX/XX/XXXX, I obtained a police report from the XXXX XXXX Police Department XXXX to submit with my next Declaration of Fraud, and claim. My fraud case was denied again on XX/XX/XXXX, and XX/XX/XXXX. I submitted the 6th claim today. XXXX XX/XX/XXXX ). I asked American Express to please look at my past account statements, to see that I have never withdrawn money in this sequence. I also requested that their investigators request video from those restaurants to try and identify the suspects who withdrew the money. 
On XX/XX/XXXX, I contacted the American Express Office in New York XXXX, and spoke to an American Express Executive Assistant, XXXX XXXX, who said he would speak to someone from the prepaid Specialty Unit, and follow up with my claim.Unfortunately, he was given the same response I was. Based on their investigation, no error had occurred, and all 5 transactions in question had been authorized. 
I have the American Express card in my possession, and have always had it in my possession. I did not withdraw this money from my account, nor did I give anyone permission to use my card. Ive reopened the claim 6 times, and have been denied 5. Ive given them all the information I have regarding this incident. Apparently, the customer service unit for American Express is based in XXXX XXXX. I havent been able to speak with anyone in the United States from American Express Serve except the Executive Assistant in New York. Please help me find out what information they are using to make their decision, so I can dispute it with accurate information. The money that was taken was COVID stimulus money that I cant afford to lose.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (CA)

I was refinancing from Santander due to very high interest predatory loan amount and interest ( Predatory to XXXX XXXX in pricing from XXXX even though credit score was in the XXXX range ) and XXXX said they could refinance on XX/XX/2021 so I signed up with them for a lower overall payment on the same term. I was also told there was a 45 day account setup and payment schedule to start XX/XX/2021. Well, my payments are on XX/XX/2021 with a ten day grace period. Santander received the refinance contract on XX/XX/2021. The payoff quote amount was {$14000.00}. Santander sent them a check a few weeks after and they charged two months payments and interest from a {$14000.00}. So that means there was two payments taken out of the check that was money I was suppose to actually receive as the refinance remainder. My loan was even higher because of whatever way Santander worked and they have been shady the whole time. I have recordings from both sides and XXXX XXXX blames Santander for the confusion and creative accounting ( stealing/embezzling ). I did not find out they had given me only {$120.00} of the payoff until the XXXX of XX/XX/2021.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company (ID)

Guild mortgage is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called guild mortgage to get it corrected and they gave us the run around and refused to correct their obvious error. Guild refuses to remove late payments assessed during XXXX XXXX despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Consumer complaint received 2022-01-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am a victim of identity theft. i filed necessary reports with police and ftc. I contacted this company multiple times and even disputed the account with the credit reporting agencies. I even filed a complaint through this portal before! it led to portfolio recovery associates sending me a validation letter with my name on it with bill from the original creditor that were sent to an address I never lived it. they never produced any documents with my signature, Identification or anything. Ive never even had the phone number associated with the account.
Consumer complaint received 2022-01-17
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. (GA)

I have attempted on four occasions to dispute a bankruptcy that is being reported on my credit report. I attempted on the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and each time the credit bureaus will report that the information on my credit report regarding bankruptcy is accurate and correct. Each time the credit bureaus will not give me evidence that the information is accurate and correct. I am asking that the bankruptcy be deleted because the information is inaccurate and correct. When I contacted the court, I was informed that they did not send any information to any credit bureaus therefore I would like to know where the information come from that is being reported on my credit report.
Consumer complaint received 2022-01-17
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. (TX)

ON XX/XX/2021 I SUBMITTED A LETTER TO XXXX TO VALIDATE SEVERAL INACCURACIES ON MY CREDIT PROFILE THAT WERE SERIOUSLY DAMAGING MY ABILITY TO OBTAIN CREDIT. NOT ONLY DID THEY NOT RESPOND BUT THESE ERRONEOUS ACCOUNTS HAVE REALLY MADE IT HARD TO OBTAIN HOME MORTGAGES, AUTO LOANS, AND LINES OF CREDIT. THERE HAS BEEN NO VALIDATION OR CORRECTION OF THESE ERRORS AT ALL. I UNDERSTAND AS A CONSUMER THAT CREDIT COLLECTION COMPANIES ARE GIVEN THE PRIVELAGE TO REPORT ACCOUNTS AND THAT THEY MUST BE ACCURATE. I HAVE BEEN DISPUTING THESE INACCURACI FOR 7 MONTHS ....