davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: FIRST PORTFOLIO SERVICING INC (MI)

I am owed a lot of money back as a refund for all my student loans due to the XXXX XXXX XXXX suit and when trying to call Studnet CU Connect to update address for my refund with them there number says not in service and I want my money back that they committed fraud
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # 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.

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report.
Consumer complaint received 2022-08-19
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. (GA)

I XXXX XXXX CLIENT NAME recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the Fair Credit Reporting Act 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 that I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

My Statement balance {$2100.00} Minimum payment due {$240.00} Payment due date XX/XX/2022 Amount to avoid Standard and Deferred Interest on your next statement* {$2100.00} My account is negative from fraudulent activity. I need the credit company to work with me to resolve this.
Consumer complaint received 2022-08-19
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)

Recently, Equifax released a statement regarding false information on credit report that have affected millions. I am one of the affected and injured. 

Congress made it clear that you assumed this role as a consumer reporting agency and a financial institution ; I never gave my permission to do this. 

Equifax did not exercise their grave responsibility. 
They were unfair and partial and my privacy was not respected and violated. 

Because of this, I demand the following changes to my credit report : All documentation, on and off the record, of my account be forwarded to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name corrected and all other errors deleted. 
Address corrected and all other errors deleted. 
Statement about current address removed that it is suspicious. 
All derogatory reports removed. 
XXXX XXXX paid in full without any late payments.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Hello I'm reaching out in regards to disputes I filed with CITI for a credit card I have. The first dispute is XXXX in the amount of {$2100.00} on XX/XX/2022 with XXXX. The day of our scheduled flights XXXX XXXX XXXX cancelled our flight stating they will refund the full amount of the flight as well as cover the reimbursement for the new last minute flight we had to book that day with XXXX  of {$3700.00} for a total of {$5900.00}. XXXX  only refunded a partial amount not honoring what they told all customers of that flight, I went back and fourth with them numerous times for them to tell me they won't be responding to my inquiry on the reimbursement for the last minute XXXX flight I had to book so I was advised to dispute the original charge with CITI to get at least majority of my money back. I submitted evidence of all of this that CITI clearly didn't review and they denied my dispute which is outrageous. My second dispute was with XXXX for the date XX/XX/2022 in the amount of {$880.00}. We paid in advance for the hotel in Chicago for my sister 's birthday trip and when we went to the hotel the room was filthy, the manager at the reception desk confirmed they weren't cleaning their rooms before turnover " due to cleaning staff being sent home. '' Ridiculous especially during a pandemic! He refused to check us out telling us to call XXXX for our refund this I got all on video, along with the pictures of the dirty room, and screenshots of me reaching out to XXXX and them never responding like they said they would. Still can't get a hold of them this day even by phone. I submitted all of this videos of the interaction with the rude manager, photos of the dirty room, receipts for the new twice expensive hotel we had to book last minute for the same exact dates and CITI didn't even review my evidence just took XXXX word for it when they wouldn't even respond to me!! CITI never looks out in their customers best interest even with solid evidence for both disputes! I tried calling it to dispute the ridiculous final decisions made to get representatives that don't understand any english so I waste over 40 minutes just trying to get to the dispute department ( Which they never transferred me to ). The XXXX  dispute # is XXXX.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-19
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. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (CA)

XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Case No. XXXX Complaint Against First Progress Card Dear Consumer Financial Protection Bureau , This letter is in response to the complaint identified as Case No. XXXX regarding First Progress Card 's reporting practices. I would like to address certain inaccuracies and provide clarification on my experience following the filing of my initial complaint. 

Upon calling First Progress to inquire further, I was informed by one of their agents that the account in question had been transferred to XXXX XXXX XXXX, effective as of XX/XX/year>. This transfer occurred after the filing of my complaint, and as a result, I reached out to XXXX XXXX XXXX at the number provided ( XXXX ). The representative at XXXX confirmed that they had just received the account on XX/XX/year>, and thus were unable to report on the account at the time of my inquiry. 

Furthermore, I would like to bring to your attention that the information currently being reported on my credit file is inaccurate. Specifically, the name reported/connect to this account is " XXXX XXXX, XXXX which is not correct. This misrepresentation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681e - Compliance procedures, which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In conclusion, I request that the CFPB address this issue and ensure that both the inaccurate reporting of my name and the overall reporting of the account are corrected in compliance with the FCRA. I also ask for a thorough investigation into whether First Progress and XXXX XXXX XXXX have followed the proper procedures regarding the transfer and reporting of this account. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-02
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I went to the Truist Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX location to get Notary with my wife and I was discriminated that because of my accent or appearance the Bank gives free notary for all his customers in front me other customers they get free Notary. 
By name XXXX XXXX XXXX she did the notary for us and she ask us to pay {$5.00} and I ask her why? she did not ask us before she did the notary she said that we have to pay and we said that we will pay you but we we would like to get receipt and said ok she took the cash and went to the front Clark area she brought a donation receipt and I asked her I am not willing to give donation by force I need legitimate receipt. She snatched the receipt from my hand and she gave me the money. 
It is not the matter of the money I felt that I am discriminated by Truist service and it fraud done on us by Truist Bank. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (NY)

Collection statute of limitation in XXXX is 3 years. The account can not be collected and should be closed. Presenting the account as open indicates collection is possible, but it is not. That shows deceit and is fraudulent. Said account can be reported as closed for up to 6 years. The claim of this wholly owned subsidiary has not been proven. Collector is to provide disclosure and not request I research these companies to find out who is who.

15 U.S.C.1692e deceptive practices and fraud is what this collector is engaged in. They refuse to provide proof of who they are. 

Original creditor has NEVER mentioned this company to me, and the company they said owned the debt is NOT the company reporting the debt or asking me for payment after almost 5 years.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

I would like to have this extended fraud alert deleted from my Experian credit profile. 


XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2024-10-31
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: Experian Information Solutions Inc. (TX)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

I opened a CitiGold Checking account on on XXXX/XXXX/2022 pursuant to a promotion mailed to my name and address. The mailing promised a {$1500.00} bonus for depositing {$200000.00} and maintaining that balance for XXXX days. The bonus promotion allowed the {$200000.00} to be kept in a CitiGold Savings account, which I opened the same day, to ensure my funds would earn nominal interest. On XX/XX/2022, I deposited {$200000.00} into my CitiGold savings account, and have maintained that balance ever since ( well beyond the mandatory 60-day period ). On XXXX/XXXX/2022, Citi posted a {$1000.00} reward to my checking account. On XXXX/XXXX/2022, I contacted Citi to thank them for the {$1000.00} bonus, and to ask when the remaining {$500.00} would post. A representative named " XXXX '' said Citi would look into it, and contact me by email. I received no email. On XX/XX/2022, I contacted Citi again. A representative named " XXXX '' confirmed that I had satisfied the requirements for the {$1500.00} bonus. XXXX also said no investigation had previously been initiated into my inquiry for the remaining {$500.00}. XXXX opened an investigation into the matter, and gave me reference number XXXX. As of this XXXX writing, I've still received no answer, and the promised remaining {$500.00} has still not posted to my account. Attached to this complaint are my account details evidencing that I've maintained {$200000.00} for more than the 60 required days, and my correspondence with Citi.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Maximus Federal Services, Inc. (MI)

Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an acceptance now account for the amount of {$2100.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XX/XX/XXXX, XXXX  XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX for XXXX amount of {$240.00} opened XX/XX/XXXX and XXXX XXXX XXXXXXXX opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXX  date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Inquiry XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX and XXXX XXXX XXXX/AIDVANTAGE Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 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 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC (PA)

Filed dispute with Westlake Financial Services and received confirmation via Certified Receipt Return Mail. 

Dispute the fact that I had XXXX XXXX XXXX XXXX XXXXXXXX XXXX early in the morning before I signed alledged loan documents. 


Moreover, informed financed XXXX from XXXX XXXX, I had XXXX XXXX XXXX XXXXXXXX and I wasnt coherent to respond to anything about loan for XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX just pressured me into signing loan documents while I was XXXX. 

Told XXXX XXXXXXXX I was not in my right mind. 

Took car back XXXX XXXX and told XXXX XXXXXXXX I dont remember buying car and did not want it. XXXX XXXXXXXX advised me that the car is mine and there is nothing that he could do. He told me Westlake Financial Service is the finance company that I would make XXXX payments. 

Westlake Financial Services are in violation of the Fair Debt Collection Practices Act, The Truth in Lending Act and relevant section of the XXXX XXXX and the Consumer Financial Protection Act.The following illegal debt collection tactics were used such as pretending to call from a XXXXXXXX XXXX  and threatening me to pay and informing me that my car would be repossessed. Call ID stated different companies. Companies on call ID wanted money from me to pay Westlake Financial Services car payment for my XXXX XXXX. Westlake Financial Services called XXXX XXXX XXXX XXXX XXXX without my permission. Westlake Financial Services disclosed loan information without my permission to my family, friends and employers such as my car would be repoed and that I would severe consequences. Will mention the severe consequences if I file complaint with the Consumers Financial Protection Bureau.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

So I came home Tuesday XX/XX/XXXX to an alert on my watch that some charges had occurred from a merchant XXXX XXXX live for 9 transactions each for XXXX cents so I knew I had been hacked, so I called chime to cancel the card firsthand in case anybody got ahold of my card numbers and my card has been on me all along, that's when I proceeded to check my account activity for any other charges that may have occurred because this is pretty much my secondary account and I don't always monitor every single transaction that is done on it, but I discovered a transaction from a merchant called XXXX  and the charges dated all the way back to XX/XX/XXXX in the total amount of {$22000.00}, so I filed a dispute with chime that morning around XXXXXXXX XXXX, the same exact day it was denied, I couldn't obtain a police report for it because the authorities told me it was a online account and not a physical bank and I would have to contact chime directly, I wrote a detailed later to chime support to see if I could get a rebuttal and they would reopen my case, that was also denied, one of the reasons in the decision letter stated that I have prior history with the merchant XXXX  and I don't even have a XXXX  account at all. I proceeded to try and get in touch with the merchant XXXX to see if they could give me any information on who could've made these transactions and you can't even speak to anyone on XXXX unless you have an account with them, and this was me calling the XXXX number that's on XXXX which directed me to go to help.XXXX which I basically had to try and communicate to a somewhat live agent bot which I provided pictures of that conversation to chime as well. Then to add insult to injury I got a letter yesterday on XX/XX/XXXX saying that my chime account will be closed on XX/XX/XXXX which makes it seem even more fishy. It is TONS and I mean tons of online complaints about this company and how they don't want to give anybody any of their money back which was stolen and that makes it seem like their whole company is a sham and not operating under any integrity whatsoever. I just need some help and I ask that you please do anything you can to get my funds reimbursed to me because they are not going to do the right thing no matter what.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

On XXXX XXXX 2022, USAA Savings bank locked my accounts without warning. They have been locked for a week. I have contacted them XXXX times and no one will provide me a reason for why my accounts have been frozen, or when they will be unfrozen. I currently do not have any access to my funds. The last response I got was on XXXX XXXX 2022 saying that they would initiate another review to see if my funds could be released. However, since it is a weekend the earliest I could get access to my money would be Wednesday XXXX XXXX. I have bills that have come due and others that will continue to come due as USAA continues to withhold my money from me iwithout reason.