davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2022, I opened an 2 year CD with Bread XXXX in the amount of {$40000.00}. The next day I called to see if I could cancel the CD. The customer rep said I could because the funds have not been transferred and he cancelled the CD. A few days later I check the account which I do have another CD with Bread Savings and saw that the account had been funded and the CD opened. I thought I had been too late to cancel the CD. This was not a problem for me. I would leave the CD for the 2 year period. A few weeks later I checked my 2 CD accounts and there was only one. I then checked my bank account in which I had funded the CDs with. Bread XXXX had refunded my account with {$39000.00}. They had charge me with the penalty of {$590.00}. I called Bread XXXX and explained that the CD should have be left opened or the full amount should have been returned. The Cust rep referred it to another group and said they would contact me. A few days later They said based on there investigation no errors were made. I have been emailing them using Bread XXXX 's Site. They will not respond anymore.
Consumer complaint received 2022-08-10
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. (NY)

In accordance with the Fair Credit Reporting act the below accounts, have violated my rights. 

XXXX  Account # XXXX XXXX XXXX # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX 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. 

XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX
Consumer complaint received 2022-08-10
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 (LA)

My bank account was hacked several times with the starting date of XX/XX/2022. I contacted my bank letting them know that fraudulent activity was taking place in my checking, savings, and credit builder account. I have provided all the information that Chime Bank asked of me and it still hasn't gotten me my back. I feel that a proper investigation has not been done with the disputes that filed with them. All my claims have been closed in less than a week. On my account it shows purchase from from a whole other state that I have never ever been to in my entire life. The 60 plus representatives that I have conversed with and numerous numbers of emails has gotten me no where at all. The hacker got into my account several times and changed my email, phone number and password. Yet, when I call to get back into my account I get questioned and made to feel like I am the villain and not the victim. This situation has take a toll on my health and well- being. All I ask for is MY money be returned to me so that I close this chapter with this bank and MOVE on. Until then I will consistently fight for my hard earned money be given back to me. This ridiculous to have to go through this with a bank that I though that I THOUGHT I could trust. I WANT MY MONEY BANK CHIME BANK!!!
Consumer complaint received 2022-08-10
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. (CA)

I have been demanding to have these accounts removed with Transunion and XXXX, and they refused to do so. I have been in communication with Transunion and XXXX, they are refusing to remove these accounts that they did not have permission or consent to furnish on my behalf. They did not respect my rights to privacy, nor did the have any written instructions from me pursuant to 15 usc 1681 ( a ) ( 3 ) and 15 usc 1681 ( a ) ( 4 ). Please see the following TRANSUNION accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dept of education/XXXX  Dept of education/XXXX XXXX XXXX XXXX XXXX ADDRESSES THERE SHOULD ONLY BE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADRESS THERE Should only be XXXX XXXX XXXX XXXX XXXX XXXX NAMES Should only be XXXX XXXXXXXX Thank you
Consumer complaint received 2022-08-10
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. (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Equifax Information Service LLC. '' A Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX, or XXXX ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Van Ru Credit Corporation (NC)

In 2010, I spoke with a representative about the best solution for my students loan payment. I was under the impression default will allow me to return back to college after 6 months of payment. I made payment with XXXX XXXX  XXXX of XXXX. Instead of being able to review the funds on my account my account, I am witnessing to my account in default and the payment made no where in site, please help.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I opened bluenile credit card which is corporate with comenity capital bank! That card is 12 months no interest and the credit amount is XXXX. I used all XXXX purchased diamond ring for my wife and I make payment every month on time. The no interest promotion end date is XX/XX/2022. My last payment is on XX/XX/2022, that day my remaining balance is only XXXX usd. On XX/XX/2022, I was trying to make the last payment XXXX. But their system is down. And then I was trying to login to again and again. Their system is still down and XXXX cant make payment online the whole XXXX. Even in the beginning of XXXX, their system is still down. Last night, XX/XX/2022, finally I was successfully login to the account and their system is back. I was shocked and surprised I was charged the interest fee which is XXXX usd! And my balance is only XXXX, but interest fee is XXXX. And its not my fault its because their system is down. I was calling the customer service they said they cant waive the interest fee because I didnt pay off all the Balance before XX/XX/2022. They are robbery my money and even not talk nicely just keep saying that they cant remove this interest. And keep saying that I can calling them to make the payment of last XXXX. But I really dont know I can make payment by calling them when the system shows its down just waiting the system back! The bank named comenity capital bank is big scam! I connected to them and they refuse to help me! they only judge me even thats not my fault! and they not even answer my question! Ive already paid my part off today and thats it! I will not pay a single extra penny to them!
Consumer complaint received 2022-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-08-10
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. (OK)

On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.
Consumer complaint received 2022-08-10
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: PENTAGON FEDERAL CREDIT UNION (NY)

On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MD)

The items listed under ( Creditor ) related to " TAX liens '' do not belong to me. I've been working with the state to have them removed for quite some time. I contacted the state comptroller office and they have nothing on file related to this matter. LexisNexis provides background investigation related to credit reports vai XXXX XXXX  XXXX XXXX from XX/XX/2020- XX/XX/XXXX they have provided incorrect data related to my credit history. 
Due to this I have been disqualified from working for an agency.
Consumer complaint received 2022-08-10
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: Experian Information Solutions Inc. (NC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, TransUnion and XXXX didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2022-08-10
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. (GA)

Equifax previously responded to my identity theft complaint citing : " Please be advised that inquiries are a factual record of file access '' 15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

This is my second complaint over this issue, you all are charging excessive overdrafts. My account has been over-drafted for over two months, every time I make a deposit to bring it current it is swallowed by overdraft fees. I need you to waive some of these, it is ridiculous that I have made over {$900.00} in deposits and my account is still over drafted. I have made these deposits since my last complaint. Also when I called the contact center like the letter from XXXX XXXX stated to get a courtesy refund of overdraft fees and they had no idea what I was talking about. I have payed so many overdraft fees with this banking institution and I understand your rules. However I have ask to stop my overdraft protection a plethora of times and its ridiculous that these charges go through at your discretion when you see I don't have the funds to cover it. This bank is preying on people with financial issues by charging these excessive overdraft fees. I will start a class action lawsuit if I have because I know I'm not the only one that's being charges these fees. These fees are predatory to people being affected by the financial state of our country after covid and during this recession.
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Potentially Predatory Activity By Student Loan Servicer AES : Servicer ( American Education Services ) without authorization, application, request, or inquiry, put current and performing loan into a one-month forbearance status. I in no way want, need, or desire a forbearance. I spoke with customer service and only inquired about the qualifications of my direct subsidized loan for a current forgiveness program. I did not provide any financial information nor make any representation about my finances. Several days later, I was notified that my loan status had changed to Forbearance. Once notified of the forbearance, I immediately contacted AES to inquire as to the reason for the forbearance and requested the removal of the forbearance from my loan. I was told the reason for the forbearance was that I had clicked a " Learn More '' link in an AES email about XXXX and government forgiveness. The link led to an AES informational page. I entered no data into the website, nor did I log in to the site. This explanation seems preposterous and, if true, deceptive and predatory. As you are aware, forbearance status can lead to increased interest payments over the life of the loan and be impactful to borrowers future financial prospects as well as disqualifying them from forgiveness plans. If the email link explanation is not true, the AES representative decided on his own to place my loan in forbearance, I believe, to disadvantage me with the very forgiveness program I was inquiring about. That would be equally deceitful, unfair, and predatory. Please be alert after you engage with AES customer service or electronic mail.
Consumer complaint received 2022-08-10
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. (IL)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have been demanding Transunion to remove XXXX  XXXX XXXX, XXXX XXXX ( there are 3 separate accounts ), XXXX XXXX  I, XXXX Department of ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX my credit report. Transunion has removed all three accounts for XXXX XXXX. For the rest of the accounts, this has been going on since XXXX of 2022. I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Transunion and will no longer extend my credit until everything is resolved.
Consumer complaint received 2022-08-10
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: JPMORGAN CHASE & CO. (CO)

XXXX of XXXX  signed up for a vacation club membership totaling {$7200.00} while visiting XXXX. Shortly after reading several XXXX  complaints online, realized this company was known to be fraudulent and not providing services to their customers as promised. Was informed we could cancel said membership @ anytime as long as the services were not used ( which they were not ). After much back and forth with the company, they refused to cancel the membership and stated they would not refund the money either. At this time I decided to file a dispute with Chase Bank over the charges. During, still trying to communicate back to the company and get the issue resolved. Sent many emails, with very little response back and was promised many calls ( no one ever called ). 

As i opened dispute with Chase Bank ( last ditch effort ), as they requested, I provided ALL email correspondence, dates/times calls were promised ( which no calls were received ) and my cancellation letter i sent to the other company. XX/XX/XXXX, Chase sent a letter say the charges were VALID and they would close the dispute accordingly. At that time, I reached back out to Chase and had the dispute reopened as I would try and rebuttal their decision. Chase Bank promised a call to discuss the reopened dispute asap, that never happened. XX/XX/XXXX, received another notice from Chase Bank stating, yet again, they are closing the dispute as valid charges. I contacted them today, XX/XX/XXXX, talked to a supervisor and was told that the dispute should've been filed differently buy a dispute specialist and that since it's been so long since the original dispute was filed, there's nothing they can do to help. 

At this point I am at a complete loss. Can not turn to my financial institute to help support their customer and the company I purchased from WILL NOT come through with services promised and they just will not contact me back about any resolutions.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :