davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

On XX/XX/XXXX I submitted my PSLF application with employment verification. I called numerous times and finally was told my application is under review by Fed Loan. I heard nothing, but saw others who had submitted their applications after I did receive approval. Not once in 90 days of waiting did Fed Loan contact me to clarify or ask for additional documents.. On XX/XX/XXXX, I made 3 calls. Three hours of waiting for return calls. The PSLF specialist stated my application was on hold. I asked why and she refused to explain. I finally got through again and was told their was a name discrepancy with my name and they asked me to submit a W2. I submitted my XXXX W2. I then called again the next day and was told my employer 's name has a discrepancy. I explained that the Auditor for the county issues payroll for county agencies. I also explained I had worked for two different county agencies. I then submitted my XXXX W2- for my employment with XXXX  XXXX XXXX XXXX XXXX , Ohio where I was employed from XXXX. I have been employed by XXXX XXXX  XXXX XXXX for XXXX County Ohio since XXXX. The FEIN is for the XXXX County Auditor because the auditor handles payroll for almost all county employees. Now they are telling me my application is on hold due to transfer to from Fed Loan to XXXX. I saw a letter from XXXX that the application must be complete by XX/XX/XXXX, expiration of TEPSLF. I believe Fed Loan has improperly delayed the processing of my application. I feel that my qualifications for the TEPSLF is jn jeopardy as they will not verify my application is complete. I have made far in excess of the 120 required payments and therefore my loan would be forgiven.
Consumer complaint received 2024-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA (CT)

I received a solicitation for a XXXX XXXX credit card addressed to my minor child. I reached out to the bank, First National Bank of Omaha, who sent the solicitation, and they could not provide me any information as to why they were soliciting to a minor. He is XXXX years old. I was told they only advertise cards to people with " good credit, '' and I responded that he was a minor and therefore should have no credit. I was escalated to a supervisor who could not answer how this happened, and was told they would look into it but would not follow up with me.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need these accounts updated to all payments made on time, I have never missed a payment. I also have never made a late payment on these accounts. I need these accounts updated to all payments made on time which is accurate. I have disputed this information and have not gotten any responses back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. ()

On XX/XX/XXXX, Citibank unexpectedly closed my Citi XXXX XXXX XXXX XXXX XXXX XXXX account, despite my history of paying all balances on time and having no outstanding debt. I was not informed in advance about this closure, nor provided with a clear explanation afterward. 

After discovering the account closure, I visited Citibank branches multiple times and contacted their customer service team repeatedly. I was told that I would receive a letter explaining the reason for the closure, but this letter never arrived. 

During my last visit to the bank, I was informed that Citibank would reapply for the issuance of a new credit card account. I was assured that once the new card was issued, my credit score would return to its previous level. However, today I received a notice stating that the application for a new account was denied, again without any clear explanation.

The account closure and subsequent denial have significantly impacted my credit score, making it difficult for me to access financial products. I am seeking a clear explanation of wh
y the account was closed, the reopening of the account or issuance of a new card, and the restoration of my credit score to its previous level, as it was unfairly affected by this situation.
Consumer complaint received 2024-12-03
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (FL)

Dear RADIUS GLOBAL SOLUTION, I am writing to formally request validation of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt, and I am exercising that right. Please provide the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A copy of the original signed agreement or contract that created the debt ( if applicable ). A detailed breakdown of how the debt amount was calculated, including any fees, interest, or other charges. Proof of your authority to collect this debt ( if you are a third-party collection agency ). Please note that you are required to provide this information within 30 days from the receipt of this letter. During this period, any further collection activity must cease until the debt has been properly validated. If you fail to provide the requested documentation or if this debt is found to be inaccurate or unverifiable, I expect the debt to be marked as " disputed '' and removed from my credit report. Please send the requested information to the address listed above. I look forward to your prompt response.
Consumer complaint received 2022-06-09
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. (FL)

In accordance with the Fair Credit Reporting Act : XXXX XXXX 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 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 XXXX 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 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 : XXXX 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 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 XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-09
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Prosper Marketplace, Inc. (MD)

I have a credit card with prosper and my bill is always paid on time every month. And Im only using 12 % of my {$1900.00} credit card limit. They closed my account out of no where and when I called to ask them why. They said it was fraudulent activity on my account so I then asked them what was the fraudulent activity. They had no answers and said that there internal team will reach out within 48 hours and they did not. So I called back and they said the same thing that they will have there internal team reach out. Its been a week or so and still no responds or resolution.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting Act the following acct # s have 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 instructionsXX/XX/XXXX Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilization:118 % Date openedXX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date openedXXXX XX/XX/XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date openedXXXXXX/XX/XXXX Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date openedXX/XX/XXXX XX/XX/XXXXDate reported:XX/XX/XXXXDate assigned:XX/XX/XXXX Amount XXXX {$380.00} Status date:XX/XX/XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$1900.00} Status dateXXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$22000.00} Status date:XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$500.00} Status dateXXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$310.00} Status date:XX/XX/XXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report.
Consumer complaint received 2024-12-06
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: WELLS FARGO & COMPANY (NV)

I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year 2000 to current. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I HAVE SENT MULTIPLE LETTERS TO XXXX, EQUIFAX AND XXXX IN AN EFFORT TO HAVE MY CONSUMER REPORTS UPDATED. SO FAR I HAVE NOT RECEIVED ANY RESPONSE AND IT HAS BEEN OVER 45 DAYS. 

The FCRA states the banking is dependent upon the accurate reporting. These inaccuracies are harmful to me as a consumer. 

Please remove every address listed except the correct address listed below. 

XXXX XXXX XXXX XXXX, GA XXXX This is the only correct address. 

There are over 20 variations of a name that is not mine listed. 
The only name that should be listed is XXXX XXXX Again the FCRA states the banking system is dependent upon accurate information. Please update immediately.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

" I am disputing inaccurate personal information reported by ChexSystems. My file incorrectly lists my name as XXXX XXXX XXXX XXXX XXXX and an outdated address, XXXX XXXX XXXX XXXX XXXX, GA XXXX. ' My legal name is XXXX XXXX XXXX ' and my only correct address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ' These inaccuracies have persisted despite being irrelevant and unverifiable. ChexSystems is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of personal information and respond to disputes within 30 days. I request immediate correction of this information. ''
Consumer complaint received 2023-03-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NY)

I opened an account for my business own by me, me, online with M & T bank, as the bank was having a promotion. At one point I believed my checks were loss so I called to put a hold on the account. As instructed by the representative, I will need to personal go into the bank with ID to obtain funds. Which I did, however I was rudely greeted by XXXX XXXX whom introduced herself as the manage later to find out she isn't. I was asked to basically open a new account with all documents that was already provide and which I didn't have on my person.in addition I will need to go to the court to get reissued because so have been misplaced. I have my ID, that matches the account so what is really the issue? first to mention I had a sweatsuit on because I feel comfortable wearing but I was being profiled. she begin to question where I get my funds from and I answer freely but she asked mutilple times as if something wasn't correct. At this point, I'm unable to access my account, pay employees, pay rent due to this issue. I'm at a loss and I need one access to my account and compensation for my loss. oh lastly she, XXXX at the XXXX XXXX location and the real manager XXXX whom refused to service me, offered to send a new card to my home address but I WONT BE ABLE TO ACCESS MY FUNDS. MAKE THIS MAKE SENSE
Consumer complaint received 2022-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

on XXXX at the TD BANK XXXX XXXX XXXX XXXX, NY XXXX location, at XXXX, I made 3 cash deposits, 1- deposit of {$1000.00} record no. XXXX, 2-deposit of {$2000.00} record no. XXXX, for the second deposit the ATM only deposited {$1100.00} and returned me {$840.00}, I recount the {$840.00} in front of the ATM camera and redeposit the {$840.00} again for the 3rd deposit, the ATM asked me to manually write the amount deposited, so I did {$840.00}, record XXXX at XXXX XXXX the ATM receipt stated " force deposit '' we are unable to provide the details of your deposit at this time, application ID XXXX, I called on XXXX to file a claim at XXXX and the rep advised me to wait till the next business day, on XXXX at XXXXXXXX XXXX description phone # XXXX XXXX #, I called the spanish line to file a claim and the female rep was not helpful at all to help me submit the claim, on XXXX I called to re submit the claim and the rep was very helpful, my claim # is XXXX, I received a letter from TD BANK dated XXXX stating that TD BANK only deposited {$20.00} of my {$840.00}, I need somebody to help me with this issue, they`re cameras and only one ATM machine inside of that location, these transaction were made during working hours.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX! These accounts has violated my rights! Account # XXXX, Account # XXXX, Account # XXXX, and Account # XXXX!! 

15 U.S.C 1681 Section 602 A. states that I have the right to privacy. 

15 U.S.C 1681Section 604 AXXXX states that a consumer reporting agency can not furnish a account without my written permission.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX reported on XX/XX/21 that they deleted my XXXX  finance account due they could not validate account and deleted my charge off. I have attempted to reach out to the original creditor and credit reporting agencies since last XXXX and Experian and XXXX still have not deleted account
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

XX/XX/2022 CITIZENS LOAN # XXXX CITIZENS Bank Timeline XXXX I sent my Instrument of payment in the amount of {$150000.00} to CITIZENS MORTGAGE Bank CERTIFIED MAIL. XXXX XXXX XXXX XXXX RI XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered XXXX I called to verify that CITIZENS has received my INSTRUMENT OF PAYMENT and spoke with XXXX XXXX ( ID XXXX ) and was told my INSTRUMENT was refused, I Stated the following below : XXXX : Accord and Satisfaction ( a ) If a person against whom a claim is asserted li.e. 
Us ] proves that ( i ) that person [ i.e. We ] in good faith tendered an instrument to the claimant i.e. Them ] as full satisfaction of the claim, ( ii ) the amount of the claim was unliquidated or subject to a bona fide dispute, and ( in ) the claimant lie. They ] obtained payment of the instrument. 

..the claim is discharged if the person against whom the claim is asserted i.e. Us proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim. 

UCC3-603 : Tender of Payment ( a ) If a tender of payment of an obligation to pay an-instrument is made to a person entitled to enforce the instrument [ i.e. Them ] and the tender is refused, there is discharge, to the extent of the amount of the tender... 

XXXX I sent a CONDITIONAL AGREEMENT CERTIFIED MAIL TO CEO XXXX XXXX XXXX XXXX TRACKING # XXXX
Consumer complaint received 2022-06-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (TX)

PNC bank will not close my account and continues to attempt to charge me frivolous monthly service charges and statement fees and then threatens to charge me overdraft fees on top of the charges they tack on. They literally are stealing from me. This is robbery! 

Attached is email of XXXX balance ( Frivolous bank charge ) and threat of more fees.
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX  }
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.