davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have a student loan of {$6200.00}, there was a student loan relief and I applied for it and it currently on hold right now. As of XX/XX/XXXX, I paid an amount of approximately {$3400.00} and my loan balance was about {$2800.00}. However, I also did apply for the student loan payments refund that I made during the freezing time of COVID at the time I applied for the student loan relief and got approved for that back in XXXX, I received an email stating that I got approved. My loan balance reinstated the end of XXXXbeginning of XX/XX/XXXX and the balance went back to {$6200.00} which took a huge drop for my credit card score as well. I then received a check of {$400.00} on XX/XX/XXXX as a part of my loan payment refund. I did not receive the rest of the payments that I make which was around {$2900.00}. I call EdFinancial to get an update regarding to the rest of the payment and they told me it took about 45-90 days to have it processed so I then waited and called them back around XXXX to get another update and I got the same feedback to wait for another 45-90 days but it's been over 60 days since I last called them and I still have not received anything. I then called them again in XX/XX/XXXX to get an update just to receive the same thing to wait another 45-90 days because they don't have an estimate time. I have talked to my other friends who have a different service provider and they gave them an exact estimate wait time and got their refund back around the given time. However, with EdFinancial I kept getting the same information to wait and it wasn't helping as much. Since the student loan relief is currently on hold at the moment, I want to be able to get the payment back just in case it does not get approved in XXXX so I can have the payment to pay for the student loan that just got reinstated. Thank you.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-03
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. (NJ)

I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and XXXX XXXX Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northwood Asset Management Group (CA)

This company has called me several times and also called all my family members to speak to them. The company is out of line in calling family members about a personal matter that DOES NOT have to do with them! The calls have been made several times to all family members and I have no notification about the debt in writing and they are harassing ALL family members by making several calls to them. They have called XXXX, XXXX, XXXX many times. I had to tell family to block their number. XXXX XXXX XXXX out of XXXX, NY practices harassing phone calls. XXXX XXXX is a nasty person and when I spoke to her, I told her she has not right calling my family and she said she did and that she has all rights to try and collect this debt. 

This company practices unethical collection procedures and is verry harassing.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX  Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXXBANK Account Number : XXXX XXXX BANK Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXBANK Account Number XXXX XXXX XXXX BANK Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (IL)

On XX/XX/ 2022, my wife went to PNC bank for an international wire transfer of {$1500.00}. The bank office made a mistake, and the wire transfer was done twice ( {$1500.00} plus {$1500.00} ) without my authorization ( I have a copy of the signed paper from the bank for one wire transfer only ). The bank did not inform me of the mistake, and i found out about that only when i checked my bank account on-line few days later. As of today, after almost 3 months approx. the bank has not returned the money yet ( 2nd wire transfer of {$1500.00} sent out as bank mistake ). Every time I call the bank both : subsidiary and head office ; they have plenty of excuse and I am very frustrated because they do not want to take the responsibility of their mistakes. I need your help and support to make pressure to PNC Bank returning my money in my account. More than happy to hold a conversation with your representative.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, mortgage accounts from XXXX XXXX with a balance of {$930.00}, XXXX XXXX with a balance of {$1200.00}, XXXXXXXX XXXX with a balance of {$1600.00}, XXXX XXXX with a balance of {$7000.00}, XXXX with a balance of {$3200.00}, XXXX XXXX XXXX with a balance of {$440.00}, XXXX XXXX XXXX with a balance of {$1100.00}, XXXX XXXXXXXX XXXX with a balance of {$410000.00}. 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (PA)

I opened an M & T Premium Checking account on XX/XX/XXXX, using XXXX XXXX XXXXXXXX  which offered : Simply open your XXXX XXXX Checking account by XX/XX/XXXX with XXXX XXXX XXXX, and maintain an average monthly balance of at least {$10000.00} in XX/XX/XXXX and XXXX XXXX Get an extra {$150.00} Set up qualifying direct deposits to your new XXXX XXXX Checking account, totaling at least {$500.00}, within 90 days of account opening.1 I deposited some money In XXXX, so as of XX/XX/XXXX, the balance in this account was {$12000.00}. I then continued depositing money. As of XX/XX/XXXX, the balance was {$24000.00}. I continued depositing money into XXXX, and then on XX/XX/XXXX, I withdrew some money. As of XX/XX/XXXX, the balance was {$8100.00}. 

It seems to me that, although the specific calculation of average monthly balance was not defined in the terms of the offer, any reasonable calculation would have my average monthly balance in this account as higher than {$10000.00} in the months of XXXX and XX/XX/XXXX. As I understand it, the most typical definition of average monthly balance is : ( the sum of each days closing balance ) / ( number of days in the month ) By that definition, my average monthly balance was {$17000.00} in XX/XX/XXXX and {$24000.00} in XX/XX/XXXX. 

However, M & T is refusing to pay out the {$300.00} bonus. They are claiming that the account balance had to be above {$10000.00} throughout XXXX and XX/XX/XXXX to earn the bonus. But thats not what the offer said! You can see, even today, they have a similar offer up at XXXX : XXXX with similar requirements : To receive the Premium Checking Bonus, open a new XXXX XXXX Checking account between XX/XX/XXXX and XX/XX/XXXX and maintain an average monthly Premium Checking account balance of at least {$10000.00} for the months of XXXX and XX/XX/XXXX. 

And you can see, in those terms for this similar offer, there is no mention of any requirement that the balance be above {$10000.00} throughout the entirety of the months in question, only that the *average monthly balance* be above {$10000.00} for those months. 

Help?
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UMB FINANCIAL CORPORATION (MO)

I was contacted by an UMB Bank representative the middle of XXXX XXXX and was shown a flyer expressing several cash incentives that would be given to me if several steps were taken when opening a new account.

All of the steps have been met on my side, but I have yet to receive a {$200.00} cash incentive for providing UMB bank a copy of my most recent CC statement. The CC statement was provided when I opened the account and UMB Bank has ackowledged receipt of the statement.

I have communicated several times with the representative and XXXX XXXX with UMB Bank in XXXX XXXX  and have been told repeatedly there is nothing they can to. I would like the {$200.00} incentive to be deposited into my checking account as outlined in their marketing materials and promised by the bank.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I, XXXX XXXX XXXX XXXX, am hereby exercising my right under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in your database. The FCRA provides that consumers have the right to dispute any inaccurate information in their credit reports, ensuring that such information is accurate, fair and private. 

In particular, I request the removal of the following addresses, names and dates from my credit history, as I believe they do not accurately reflect my current situation : Name : XXXX XXXX XXXX XXXX XXXX 


This request is based on several provisions of the FCRA, which ensure the protection of consumer rights : Section 609 ( 15 U.S.C. 1681g ) : Right to receive the information contained in your file in a complete and clear manner, which allows me to identify the inaccuracies I now wish to correct.

Section 611 ( 15 U.S.C. 1681i ) : Obligation of credit reporting agencies to investigate any dispute of information submitted by a consumer within a reasonable time, usually 30 days, to ensure the accuracy of the data.

Section 605 ( 15 U.S.C. 1681c ) : Establishes the right to removal of inaccurate, outdated, or unverifiable information from credit reports, protecting consumers from inaccurate data.
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (LA)

Ive filed several disputes to remove this item from my credit stating it was from identity theft even sent in a ftc report along with police report and a copy of my id and they keep saying its verified accurate transunion an XXXX are giving me such a hard time with this account ( regional acceptance ) last dispute with report and ftc report was on XX/XX/ in with they have closed and Ive had to file yet another one XXXX removed the items on my police report
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/XXXX a credit card account was opened without my knowledge. 

Account type - REVOLVING Condition - Open Responsibility - Individual Term ( in months ) - NA Remarks- NA Date of account status - XX/XX/XXXX Times XX/XX/XXXX days late - XXXX Creditor info COMENITYCAPITALXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XXXX XXXX XXXX  to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

Good morning. Since the date of XX/XX/2022 I deposited a check electronically to Citibank and mistakenly forgot that it was already deposited. I then deposited the same check into a XXXX atm days later. Because of this duplicate deposit my account was under investigation and closed. Since then, I have been calling back every week for months and the bank representatives tell me a different story about what is happening with my funds every time I call. Nobody is giving me any real assistance as Ive needed my money back urgently for a long time now and they continue to give me a run around for my money. Please assist. 

Thank you
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

Hi, The company keeps calling and harassing me that i need to give back the car when in fact I mailed a check and they deposited the check and it also shows ' online that its paid in full. they call me every day and as many times i tried telling them that we paid in full they don't listen. i also need to get title ASAP
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consume
r!
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Equifax Consumer Reporting Agency has damaged my reputation by furnishing incorrect and private information on my consumer report without my consent. Congress makes it clear, pursuant to 15 U.S. Code 1681 ( a ) ( 3 ) that Equifax has assumed this role in the evaluating the credit worthiness, all without my prior consent. Reporting my private information without my consent is in violation of federal law. Equifax is also in violation of 15 U.S. Code 1681 ( a ) ( 4 ), as they are NOT exercising your grave responsibility with fairness, impartiality, or a respect to the consumer 's privacy. The report is unfair, partial and not respectful in any way to my privacy. Furthermore, I never instructed Equifax to furnish or create this report. This places Equifax in violation of 15 U.S. Code 1681b ( 2 ) as they never received written instructions from me, the consumer, nor did I ever consent to the report in the first place.
Consumer complaint received 2023-02-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.