davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
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: BARCLAYS BANK DELAWARE (PA)

I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX 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 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Consumer complaint received 2021-08-07
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: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Consumer complaint received 2017-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Gurstel Law Firm, P.C. (MN)

I received a notice of garnishment of wages from Gurstel Law Firm. There is no information regarding the alleged amount, nothing stating they are a debt collector or that it was an attempt to collect a debt. The documents presented appear to be a court matter in the state of Minnesota but when I looked into it, there is no case in XXXX  County or any other court in Minnesota. I have asked them twice to validate the debt and disclose the alleged amount owed. I do not even know what the alleged debt is for. I have written to them twice ( XX/XX/XXXX andXX/XX/XXXX) requesting the debt be validated and the amount be disclosed and they still have not done that.
They have violated the FDCPA in the following ways : 1. Provide proof of the alleged debt, including all original contracts, agreements, promissory notes, amounts due, amounts paid, interest, fees, charges or incidental expenses allowed within the original contract, or in what state that debt is owed ; 2. Provide the amount allegedly due on the alleged debt, along with an itemized statement of the original amount owed, paid, interest, fees, charges or incidental expenses allowed within the original contract which created the alleged debt or that is permitted by law ; 3. Provide proof that there is in fact a judgment against me in any state in the continental United States of America ; 4. Provide proof that there is in fact a judgment or that a case has been docketed in XXXX County or any other county in the State of Minnesota ; 5. Provide original documentation of the alleged debt, including original signed contracts, agreements, promissory notes and the like ; 6. Their correspondence failed to state that they are a collection agency licensed by the Minnesota Department of Commerce [ MN Statute 332.37 ( 21 ) ] ; and 7. Provide sufficient, clear language in your letter regarding this alleged debt, the suit, the garnishment process and the amount allegedly owed.
Their offices have falsely represented to me that the documents they provided to me are a legal process or have a legal case docketed in XXXX County in the State of Minnesota.
Their company simply wrote a second letter which I received Friday, XXXX XXXX 2017 stating they would like my attorney 's name and contact information and I had ten days to respond.
I had told them I spoke with my attorney i did not say I retained his help in this matter in my correspondences.
They still did not validate the debt, provide any information about the debt, disclose they are a debt collector or the alleged amount I supposedly owe them.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 informationisinaccurate.
Consumer complaint received 2017-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (OH)

I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the XXXX ( XXXX XXXX XXXX XXXX ) Beginning XXXX XXXX, XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : XXXX ) Minimum reporting of : ( XXXX ) Name ( XXXX ) Address ( XXXX ) Social Security Number and/or date of birth ; and XXXX ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX XXXX XXXX XXXX informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.
Consumer complaint received 2017-07-14
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: SYNCHRONY FINANCIAL (IL)

TJX Rewards/SYNCB is not in compliance. According to the FCRA TJX Rewards/Synchrony Bank is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed TJX Rewards/SNCB was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from XXXX and XXXX the dispute was not corrected. What I did notice was that TJX Rewards/Synchrony Bank was not in compliance and violated my fair credit rights by not reporting accurate data. TJX Rewards and Synchrony bank is not giving me any type of rating and are flagging my credit report with XXXX as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current XXXX Report Number XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with TJX Rewards/SYNCB in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For TJX Rewards not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed TJX Rewards/SNYCB has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX TJX Rewards/SNYCB is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with TJX Rewards/Synchrony Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called TJX Rewards/Synchrony Bank to try to resolve this issue. Synchrony Bank, employee XXXX ID Number XXXX, stated to me she could not answer why TJX/Synchrony Bank was not in compliance with the FCRA. Because I have went back and forth for over 90 days with TJX Rewards/Synchrony Bank and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my TJX Rewards/SNYCB Revolving Credit Card Account. This has went on too long.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.
Consumer complaint received 2024-10-11
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)

I have contacted the companies responsible for these inquiries but have not received satisfactory resolutions. I am now seeking the removal of these inquiries from my credit report as they negatively impact my credit score and were made without my consent.
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

To Whom It May Concern, I have a collection account on my XXXX, XXXX, and XXXX credit bureau file from a company named IQ Data International, account number listed is xxxxxxxxxxxxx XXXX. Please be advised that I am disputing this information due to the fact that IQ Data International does not have a valid license/is not bonded in the state of Texas to collect debts. This information states their license/bond is currently " non existent '' according to the Texas Secretary of State database of license/bonded debt collectors.I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated. <P/>
XXXX XXXX xxx-xx-XXXX
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (LA)

This complaint is in regards to denied Price Match Benefits offered by CitiBank to its Credit Card customers. On XX/XX/XXXX, I was denied the Price Match Benefit that I believe should have applied to 3 electronic items that I purchased on XX/XX/XXXX with my Citi Double Cash MasterCard. I purchased each of the three items ( XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX ) at {$240.00} plus tax at XXXX. The price that XXXX published and advertised on their own website two days later was {$150.00}, which is {$97.00} lower than my purchased price per item. As per the Terms and Conditions of the Citi Price Rewind Benefit, in order for this benefit to apply, a customer must provide to Citi a proof of a lower price, which " must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. '' On XX/XX/XXXX, I promptly submitted to Citi in an email a proof of the published price on XXXX 's own website, XXXX, of this same item advertised at {$150.00}. In addition, I also submitted the XXXX XXXX Form along with all the other required supplemental materials. I received a case number and subsequently my claims were denied. The reason cited for the denial of these 3 claims ( Claim Numbers : XXXX, XXXX, XXXX ) was : " Ad not sufficient. Your claim is denied because per the Terms and Conditions, the lower price must be published on an online retail site or in a printed or online newspaper, magazine, store circular or catalog. The item you reported was not advertised at a lower price through one of these methods. Thus, the item is not eligible for reimbursement. '' Clearly, Citi is trying to avoid satisfying their own promised benefits, which is a big disappointment to me as a long-time loyal customer. I hope that with the help of CFPB, Citi will make this right with me. Attaching all submitted materials plus the denial letters. <P/>Thank you for your attention to this matter!
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

My Name is XXXX XXXX XXXX, I have a bank account with Wells Fargo bank, Account # XXXX, on XX/XX/XXXX I deposited a check of {$1900.00} check # XXXX to my account using Wells Fargo mobile deposit on my smartphone, I must have lost the physical check because on XX/XX/XXXX the physical check was negotiated at another location, from either another bank or check cashing, on XX/XX/XXXX Wells Fargo bank paid for that check again, by using the funds in my bank account. A thief, presented the check to a bank or check cashing, the bank or check cashing should have the ID of the thief, since there is no other ID on back of check, the thief only used his/her phone number and address which is probably false we tried the phone number its not working I have no way of knowing who the thief is, I would ask the party that presented the check to wells fargo the second time for the ID of the person that presented the check to them, they had no right to cash or deposit the check without ID. Bottom line, if the financial institution did their job it should be easy to identify the person that presented the check the second time. I am uploading a copy of the check and the banks letter