davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-11
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. (GA)

thre are several fraudulent collections accounts showing onb my report for services ive never recieved ive requested validation per fcra sec 609 and have not recieved anyting within the alloted time per fcra 611 these collections are not from services recieved by me and are hindering me from living a full fruitfull life please assist me in this matter thanks
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

On Wed, XX/XX/XXXX, XXXX, Nelnet emailed me notifying me of pending messages. The next day I logged in to access them, but there was an issue with the XXXX XXXX, after a reinstall, I went back, but the messages were gone. I tried to phone their support, but was left on hold for hours and could not wait longer. I emailed them, but have not heard back in the weeks since. I also filled out their email contact request form that day and have not heard back either. They are withholding potentially vital financial communications they are legally required to send me, and have obscured and prevented me from accessing them.
Consumer complaint received 2019-02-21
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. (CA)

After sending certified, return receipt letters to TransUnion on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report that there is an account in collections with XXXX XXXX, account # XXXX. I requested that I would like some type of verification for the supposed debt that was bearing my signature, and I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received any type of verification of any kind, let alone any type of verification of the supposed debt that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Consumer complaint received 2023-09-12
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My husband has an account with HSBC. On XX/XX/2019 I went online for the first time to make a payment. I could not figure out where to go to make the payment. So I called HSBC and the representative said I would need to give my social security number to add me, I told him no. So he said that my husband would have to call in to add me. I did a conference call with my husband on the line, and he specifically told them that I did not want a credit card that he was only authorizing me to make changes to the account. We got it settled. On XX/XX/2019 I received two credit cards from them in my name with a credit limit of {$5000.00}. I called HSBC, they said trash them. I got an alert from XXXX XXXX that someone added me to their account. So now this is on my credit report, which I did not want. How do I close this account without it affeecting my credit score.
Consumer complaint received 2023-09-12
Product: Credit reporting 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. (TX)

ON XX/XX/2023 WHILE CHECKING MY CREDIT REPORT ON XXXX XXXX I NOTICED THAT XXXX XXXX XXXX HAD MADE A HARD CREDIT INQUIRY ON MY CREDIT REPORT. THAT WAS TOTALLY UNAUTHORIZED. I ALREADY OWN A HOUSE PURCHASED A HOUSE FINANCED WITH XXXX XXXX I HAVE EXCELLENT CREDIT THIS HARD INQUIRY CAUSED MY CREDIT SCORE TO DROP. PLEASE INVESTIGATE AND REMOVE. I SPOKE WITH XXXX A REP AT XXXX XXXX XXXX XXXX XXXXXXXX XXXX HE ADVISED ME TO FILE THIS REPORT.
Consumer complaint received 2019-02-21
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. (CA)

I filed a dispute with my creditor, Citibank, on XX/XX/XXXX, for two charges relating to pre-paid child care tuition that I was owed a refund for by the merchant. The refund that I was owed was not issued within the time frame specified by the merchant, and despite numerous attempts, I was unable to get ahold of the merchant on my own, which is why I ended up filling the dispute. One of the charges was in the amount of {$2100.00}, and the other in the amount of {$2800.00}, for a total of {$4900.00}. The total amount that was owed to me as a refund by the merchant was {$3100.00}. On XX/XX/XXXX, I was informed by Citibank that in response to my dispute, the merchant stated that I was owed a refund for the full amount of the {$2100.00} transaction, and a refund of {$580.00} for the {$2800.00} transaction, for a total refund amount of {$2600.00}, which, in total, was {$410.00} less than I should have been receiving. As a result of this discrepancy, I submitted additional documentation, as requested by Citibank, proving that the actual amount of the refund that I was owed was in fact {$3100.00} as opposed to the {$2600.00} claimed by the merchant. Upon awaiting for the documentation that I had provided to Citibank to be reviewed, the credit for the {$2100.00} became permanent, but the credit of {$580.00}, in relation to the {$2800.00} charge, that the merchant admitted that I was owed, was never applied. I had then reached out to the disputes division of Citibank many times over the course of the next few months due to the fact that I had yet to hear anything back in regards to the dispute and absolutely no progress was being made. Then, on XX/XX/XXXX, two and half months after my last submission of additional documentation/evidence supporting my position, I receive a letter from Citibank stating that, " We have reviewed the information you provided regarding your dispute. We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. Our investigation remains closed. Unfortunately, we are unable to send it to you via email. We apologize for any inconvenience this may have caused. '' I provided all of the necessary documentation to Citibank within the specified timeframe, it's not my fault that they sat on it for two and half months and did absolutely nothing until they claim that it was too late. In addition, {$580.00} of the remaining {$2800.00} charge had already been acknowledged as owed by the merchant within their initial response to the dispute, but Citibank now claims that they will not be crediting my account with that amount, even though it should have already been credited, per the merchant, months ago.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (TX)

I had a PNC checking account ( ending in XXXX ) when I was in college and closed the account over 10 years ago. However, I recently received a notice that this closed account was going to be upgraded to a Standard Account and I would be charged a monthly maintenance fee of {$7.00}. As directed in the attached letter, on XX/XX/2019, I called PNC and asked PNC to either 1 ) confirm that the account was closed and the letter and potential fees do not apply or 2 ) if somehow my account was re-opened, close this account. The customer service center refused to provide either of the above solutions. 

I have a FICO credit score over XXXX that I have worked for years to build and am very concerned with PNC 's approach here. They seem to make it near impossible to close accounts if somehow this account is still open 10 years after I closed it.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage. I refinanced my condo in XX/XX/XXXX. I received a letter XX/XX/XXXX requesting proof of XXXX insurance. I purchased XXXX insurance XX/XX/XXXX and provided proof to Freedom Mortgage. I received a second letter asking for insurance from XX/XX/XXXX to XX/XX/XXXX or I will be fined over {$500.00}. I contacted my agent and informed him I was not informed to purchase XXXX  during closing. I looked over the closing documents it states fire insurance my HOA master insurance cover fire insurance which Freedom Mortgage has on file.
Consumer complaint received 2023-09-12
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (SC)

So tonight ( XX/XX/2019 ) I applied for a credit card with Synchrony Bank ( also shown as XXXX   XXXX XXXX  / SYNCB ) in conjunction with the merchant XXXX ( XXXX ). 

The reason for applying was that they offered free financing for 6 months and you could complete checkout upon approval. I was approved, but on the application page where it said I was approved, there was no temporary number listed to use. 

I called Synchrony Bank ( XXXX ) immediately. I was told by both the initial customer service agent and her supervisor ( XXXX ) that this not a service they offer and they would never give a temporary account number. They said it must have been a " glitch '' on their website and I'd have to wait 7-10 days for my card. The issue with that is I am on a time crunch and need the product before I could conceivably get it if I waited on the card. So the card is essentially useless now. 

I asked them to just cancel the card or application since I didn't need it anymore, and they said they couldn't stop the application and I'd have to call back in a few days to cancel the card. Considering that the hard pull/account age will negatively impact my credit score moving forward, and the only reason I applied was based on misinformation, I feel as though I should have a means to get this account removed from my credit history.
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (FL)

I received an alert from XXXX  on or about the second of XXXX, 2019, stating that there had been some changes to my account, and I when checked my file I found out that National Recovery Agency had reported a couple of accounts that I have no knowledge about. The two accounts were reported under Account number XXXX with a balance of {$560.00} and {$340.00}. 
National Recovery Agency did not notify me of these attached debts, which I was told by XXXX agents that they were medical. National Recovery Agency just reported the issue directly to XXXX as delinquent without notifying me of the mentioned debt, which is in direct contravention of the law. The reporting thereby depressed my credit score as a result of this reckless action.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have contacted Capital 1 Bank as well as XXXX  on XX/XX/XXXX and on several different other occasion, after they did not respond to me in writing, to notify them of the inaccuracies on my credit report for my Capital 1 Bank card that was opened on XX/XX/XXXX. They are incorrectly reporting the minimum payment amount due as {$53.00} and the balance used as {$1200.00}. Please note the minimum payment amount is {$25.00} and the balance is {$0.00}, as this card was paid off. Please update!
Consumer complaint received 2019-02-21
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. (NY)

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX XXXX XXXX

2. XXXX XXXX  .
Consumer complaint received 2019-02-21
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. (NY)

The credit reporting company is reporting false information on my credit reports. 
Please be advised this is my THIRD WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1. XXXX/ XXXX XXXX. 
2. XXXX XXXX .
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

To Whom It May Concern, I am writing to you in connection with the corporate account XXXX associated with XXXX XXXX, for which I am listed as a contact or representative. I recently came to learn that there may be an understanding or implication that I am personally liable for this account. I would like to formally clarify the nature of my association with this account. 

I wish to state unequivocally that at no point in time have I personally guaranteed or agreed to be personally liable for any debts, obligations, or responsibilities associated with this corporate account. Any agreement or contract made with XXXX XXXX should be entirely under its corporate entity and should not extend to its individual officers, directors, or employees in their personal capacity, unless explicitly agreed upon. 

If there has been any oversight or misunderstanding in this matter, I kindly request that it be rectified immediately. I also request any documentation or evidence you might have that suggests personal liability on my part. If such documentation exists, please share it with me at the earliest so I can review and take necessary action. If no such documentation exists, please confirm in writing that there is no personal liability attached to me for the aforementioned account. 

I value the business relationship XXXX XXXX has with Toyota Financial Services and hope to resolve this matter promptly and amicably. Your understanding and cooperation in this matter are highly appreciated. 

Thank you
Consumer complaint received 2019-05-16
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. (CO)

This is a follow up to complaint XXXX. I reviewed the response provided by Experian, but it does not address my initial complaint. In my original complaint, I have issues with : 1. Conflicting and wrong information provided by their representatives.

2. The reason why I was unable to temporary lift the security freeze using the experian.com/freeze website even though the validation information I entered was correct, as listed on my Experian credit report.

3. Why Experian 's representative set an expectation that if I spent {$90.00} to overnight the documents needed by XXXX XXXX the following morning that the freeze would be lifted within 15 to 20 minutes. However, after I overnighted the documents and confirmed receipt the following day, it took almost a week for the freeze to be lifted. 

Since my original complaint, I have received a letter from Experian dated XX/XX/2019 confirming the security freeze has been temporarily lifted, but have not received the PIN reminder notice I was told would be sent. 

I am also disappointed in the CFPB for closing my original complaint even though Experian clearly evaded addressing any of my concerns.
Consumer complaint received 2023-09-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have sent a letter back in XXXX along with the police report and a photo copy of my identification stating that I had never received my card and the transaction being made was without my consent so they said that they would be issue a new card and I never received that one either up untill XXXX with the card end with XXXX wen I received the card it was supposed to have funds in the account but there was only XXXX and I continued to call and ask about my claim they would deny them continuously so I would request that they reconciliation on the claim but I still haven't been able to collect all my funds I also tried to put wat lil money that was on the card wen I received it to my bank they wouldn't allow me make it easy for the the scammers it's horrible
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST FINANCIAL BANCORP (OH)

To : The Consumer Financial Protection Bureau, I had an account with First Financial Bank ending in XXXX that experienced ACH Fraud for an amount of {$3400.00} on XX/XX/XXXX. On XX/XX/XXXX I received a provisional credit in the amount of {$3400.00}. ( The {$4.00} was an error by First Financial Bank and is negligible and not part of this complaint, but I wanted to explain the discrepancy within the transaction history on the provided statements ) The provisional credit was credited to my account ending in XXXX for {$3400.00}, then that amount was immediately debited and credited into my new account ending in XXXX on XX/XX/XXXX. The new account was opened in response to the fraud. Everything was fine and my account was eventually closed in XX/XX/XXXX and I no longer had a relationship with First Financial Bank. Then on XX/XX/XXXX I received a call from XXXX XXXX of First Financial Bank, she threatened legal action if I do not pay this amount. I was shocked to hear about an ACH dispute that occurred over SIX months ago. Therefore FFB reopened my account without my permission and put a negative balance on my account. This is all after the account was closed with a XXXX balance and no outstanding items in XX/XX/XXXX. 

1. What is the point of closing an account? 
2. Why am I held responsible for an ACH dispute claim that falls outside of the ACH dispute timelines? 
3. There is also a {$2000.00} check that I cashed that shows no where on my statements ( which are attached ) and I am being told that the check bounced. This also occurred on my closed ( and unfairly reopened account ending in XXXX ) 4. I feel harassed and that this is exactly why the CFPB is put into place. FFB can not call me and demand restitution until a prosecutor has reviewed the case.