davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Subject : Dispute of Inaccurate Information and Unlawful Actions by XXXX XXXX  XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding their persistent reporting of inaccurate information on my credit report and illegal activity with my XXXX XXXX  account # XXXX. Despite having previously disputed these inaccuracies with XXXX XXXX  directly, as acknowledged in their email dated XX/XX/XXXX, the errors persist, and the bank has engaged in additional unlawful activities. 

On reviewing my account statements for XXXX and XX/XX/XXXX, I discovered that XXXX XXXX  has erased these statements from my account, a clear violation of my rights and illegal under the Fair Credit Reporting Act ( FCRA ). This obstructs my ability to monitor my financial transactions and is unacceptable. 

Moreover, XXXX XXXX  is reporting a XXXX missed payment in XXXX and a XXXX missed payment in XXXX, both of which are inaccuracies. I have evidence of a payment of {$2100.00} made in XXXX and {$370.00} made in XXXX. It is clear that XXXX XXXX  has failed to update their records accurately and is misrepresenting my payment history. 

Furthermore, XXXX XXXX  erroneously charged off my account in XX/XX/XXXX, even though payments were being made. According to the law, a charge-off can only occur after XXXX days of non-payment. XXXX XXXX XXXX premature charge-off is not only a violation of my rights but also indicative of their disregard for legal and ethical standards. 

In light of these egregious actions, I am including evidence of these illegal transactions and demand compensation of {$1000.00} for each illegal transaction committed. I also insist that XXXX XXXX  rectify the inaccurate reporting on my credit report, updating the account to " paid as agreed in full with no late payments. '' If XXXX XXXX  is unable to correct this information, I request the immediate removal of the account from my credit report. 

I trust that the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action against XXXX XXXX  for their violations. I appreciate your prompt attention to this issue and look forward to a resolution that upholds consumer rights. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-06-11
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 (NC)

Today ( XX/XX/23 ) I went to view my wedding venue and came to the conclusion to make a deposit. As the venues preferably source is XXXX, I tried to go through XXXX. This is the second time XXXX has hacked me/my account. I called the contact support line/ XXXX number and got in touch with someone. This person set up a fraud email/ made me think he was part of XXXX . And I ended up transferring money. ( XXXX ) to be exact. Im hurt, stressed, disappointed, and just want my money back. Its so sad I cant trust anyone these days. Im homing XXXX makes this right and refunds me.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of XXXX XXXX, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; XXXX XXXX et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, Experian, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

Hello, On Friday XX/XX/2023, the financial company Prestige Financial, repossessed my car after we had a payment agreement. 

I currently owe {$2500.00} as the balance of my loan on the car. My last payment was made XX/XX/2023 for {$400.00} We agreed on a {$450.00} payment for XX/XX/2023. 

I did not receive a repossess notice nor communication from them. They took the car. I called XXXX to report a stolen car. They called me back and stated that the police were informed that the car was repossessed. 

Again to be clear, Prestige Financial and I had an agreement. Now I am at risk of losing more than the car.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

XXXX XXXX XXXX XXXX, the owner of my mortgage, has a rule in place that unfairly prejudices a homeowner in the foreclosure process from being fairly considered for a HAMP loan modification. While in a foreclosure status, my mortgagee refuses to accept any payment that is not the full reinstatement amount. For example, while in a foreclosure status, the mortgagor can not pay monthly payments. For example, the mortgagor can not make a {$50000.00} payment if {$51000.00} is the reinstatement amount. The loan amount in arrears is a key determinant in whether a loan is modified. The loan modification process takes a very long time. In my case, I received a foreclosure status on XX/XX/XXXX and I received a loan modification rejection notice on XX/XX/XXXX -- this is 13 months when I could not make any payments, 13 more months of loan arrearage that I was prevented from addressing by this rule ( I tried and the payment was returned ). This rule directly leads to increased arrears, which adversely and materially reduces the probability of a successful loan modification. This is grossly unfair to the conscientious consumer. I have called and emailed the loan servicer, Select Portfolio Servicing, multiple times about this rule and have been told by various customer service representatives, " It's the rule and there's nothing I can do about it ''. Sample dates of contact when I discussed this subject include : XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX, XX/XX/XXXX with XXXX XXXX.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Upon conducting a thorough review of my latest credit report, I have identified several instances of inaccurate information associated with accounts listed. This misinformation is significantly impacting my ability to secure a home loan, thereby hindering my financial goals. 

I am reaching out to you in accordance with the Fair Credit Reporting Act to address and rectify this matter promptly. 

The list of accounts in question is as follows : XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX XXXX - Account ending in XXXX XXXX  XXXX - Account ending in XXXX I would like to draw your attention to the relevant sections of the Fair Credit Reporting Act that support my dispute : 15 U.S.C 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing adverse information that antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits the furnishing of inaccurate information to a consumer reporting agency.

It is evident that the inaccurate information on my credit report violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I kindly request that you conduct a thorough investigation into these discrepancies and take appropriate action to rectify and remove the inaccurate information from my credit report.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (FL)

I had a checking account in PNC. The bank unilaterally decided to close my account with {$3200.00}, without properly notifying me. When I inquired the bank about my funds, they stated that a check was sent to an address in XXXX, instead of my address here in the XXXX. 
When I requested a copy of the check, the check was deposited by XXXX XXXX ( not me XXXX XXXX ) in Bank XXXX XXXX. 
I have submitted multiple complains to PNC Bank and they have not been able to solve the issue in over XXXX year. 
Based on my interactions with PNC Bank employees, I believe that XXXX or multiple employees from this bank must be involved on the issue and XXXX sure XXXX not the only person that has been affected.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXXXXXX  to Currently date XX/XX/XXXXXXXX  This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I reviewed a copy of my credit report and and I noticed that I had XXXX late payments on an account that i was never late for consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof cant be provided I demand these payments be updated to on time as the should be as i was never late thanks.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (FL)

As an active military member, I have been associated with Navy Federal Credit Union for some time now, maintaining multiple accounts with them. Recently, I approached them regarding a concern I had about the interest rates on all my current and previous accounts, and whether they could align them with the provisions outlined in the SCRA ( Servicemembers Civil Relief Act ). Although I am aware that my debt was incurred after my active duty commencement, I find myself burdened with exorbitant interest rates that seem unfair. Hence, I kindly requested Navy Federal Credit Union to consider adjusting my interest rate in accordance with the legal requirements stated in the SCRA.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

have contacted Tranunion over a year now to remove this suppression. This has caused great havoc in my life. Hello I dealt with several agents for months and you all unlawfully have my credit report suppressed. I'm filling a complaint to Consumer Financial Protection Bureau. If you all font fix this issue ASAP. I'm filling a complaint to that CFPB Fair Credit Reporting Act Tags : Consumer Protection Privacy and Security Credit Reporting Mission Consumer Protection Law 15 U.S.C. 1681-1681x Links XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX KB ) The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I'm going to ever social media outlets to make reports Trans Union lack of action to resolve this issue with my file in a timely matter ( Transunion refused to insureds my file ) is a violation of the fair credit reported act. If I lose my offer my house due to bring held up. I will take transunion to count and notify every social media outlet. Starting today. I'm in consultation with consumers media lawyer right now. File XXXX I asked this be done no action has been taken I sent in proof from XX/XX/XXXX to Currently date XX/XX/XXXX This is a on going issue I and speaking with lawyers and I am preparing to sue and bring awareness online media outlets the news to address this is a public setting. I sent the company all the information and the still refuses to lift the suppression
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

This issue is with Best Buy Case # doc id XXXX. 
On XX/XX/year>, a paymt of {$2300.00}, was accepted by Best Buy XXXX, XXXX. 
It was reflected on my XX/XX/XXXX acct statement. However, a ghost charge of {$2000.00} appeared on the same statement as a transaction. XXXX XXXX XXXX validated that No purchase or transaction had occurred. Therefore should Never had existed. 
Ive contacted customer service for Best Buy and Citibank each pointing the finger at the other. Ive generated multiple disputes with No valid resolution. Ive requested to speak to Research/Investigation Team Members, but have been denied any correspondence in hopes to resolving this issue.
Consumer complaint received 2023-11-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KS)

I received this card as a gift from my coworkers. I returned to work a week after my birthdate on Monday, XXXX XXXX on this day I was given the gift card. I was extremely grateful and noticed it was a Visa gift card which are usually used everywhere as normal currency.

Upon opening the card, I noticed part of the number was blocked from the card design. Not thinking anything of it, I used the card later this week ( XX/XX/XXXX ) at XXXX. It declined, and I then realized I needed to activate the card which usually is no problem, but the card number is blocked by the design, so since I could not read the number, I can not activate the card. I called multiple times to the company of the card, Vanilla Visa Gift Card to hear their FAQs to find out why I can not see my card number. No solution attained by doing so. I then looked up Vanilla Gift and found others were scammed by the same company and reported it. I can provide proof of the card.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (MD)

After reviewing my credit report, I found errors related to 15 USC 16c-2. The inquiries listed were not authorized, and the misinformation is hurting my credit. I kindly request the removal of all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.