davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (CA)

I have had several issues for months. For some reason other than non-payment the account was closed and I was never informed. Barclays has a policy that once the account is closed you do not continue to have online access. I had always made automatic payments and was able to review my account statements on line. There was a period in which I was never notified and did not and still do not receive paper statements. 

On XX/XX/23 spoke to row different operators OP XXXX XXXX on a recorded call XXXX XXXXXXXX then transferred to the manager who would not identify herself with operator number name XXXX on recorded call XXXX XXXXXXXX. 

Through this discussion they acknowledged that I had no access to my online account they had stopped sending statements. Because the stamens stated the options to pay was through their online account, send a check and or use their IDR system. 

Apparently I do to use to receive emails saying to go paperless and sign up for the online access but company policy does not allow closed accounts to have online access. Every month I have to call to make a payment and I have had several issues even accomplishing this. I have to go through 3-4 transfer to different operators and then end up having to speak to an account manager specialist. Its exhausting having to repeat and repeat same identifying information to each operator. Besides being obnoxious and repeating myself with the same information to each. 

I can not set up a recurring payment, I can not have an online access to make payments. Every time when and if I get a statement the options to pay are not valid. Statement says online payments, over the phone and via check. I have always paid thru online system and now they are requiring me to change after 7 years with this account. 

I have been reported to the credit bureaus for delinquent payments and their system is set up so that they came excuse themselves saying their is a system update when payments are due to force a late payment fee. 

I just want my online access to review what they are charging me and make my payment online like I always have and not have to go through leaps and bounds to make a simple online payment. 

They are making it so difficult for the consumer just to make a payment.
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX XXXX Late Payment Account XXXX. XXXX XXXX  XXXX Charge Off Account XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX  XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX. XXXX XXXX XXXX  XX/XX/XXXX Inquiries XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries I believe that the above items are inaccurate and/or incomplete. 

Regarding the Late Payment Account from XXXX  XXXX, I have never been late on a payment and I have documentation to support this. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the Charge Off Account from XXXX XXXX, I do not have any record of such an account with this institution. Therefore, I believe that this item is an error and should be removed from my credit report. 

Regarding the inquiries from XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX, I do not recall authorizing these companies to pull my credit report. Therefore, I believe that these inquiries are unauthorized and should be removed from my credit report. 

I respectfully request that you investigate these items and make any necessary corrections or deletions to my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (UT)

TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 XXXX, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX  XXXX XXXX account # : XXXX Account name : XXXX  XXXX XXXX XXXX account # : XXXX has violated my rights 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Navient sold my loans to XXXX, and when I worked with them, and set up a payment plan in XXXX, I was told it was all of my private loans. It turns out that Navient held onto some of my private loans and is placing me in default for not making payments on them. This is on top of them refusing to communicate with me via email. On the phone they pressure me into payment plans, I refuse to negotiate on the phone because of the undue pressure and lack of opportunity to weigh my options.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (OH)

They're trying to collect {$610.00} from me but this debt is not with them it's with XXXX XXXX in XXXX XXXX has sold it to them and they have no proof that I owe the debt with them thank you
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 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. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, ACCOUNT # XXXX has violated my rights. 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. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

In XX/XX/XXXX I sent in a dispute over a public inquery that was removed years ago. All other agencies immediately corrected the issue but Equifax has ignored every single attempt to dispute it and does n't even responds back.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 
XXXX XXXX, XXXX. 
XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I am a wellsfargo customer since XXXX, as employee of XXXX XXXX and XXXX i recieved my wages into my wellsfargo account. 
These are the account numbers i had XXXX This is the first account in which i recieved pay cheques. XXXX. 
As XXXX  employee i was transferred to XXXX and forced to start a XXXX relation. I wrote a wellsfargo cheque. This resulted in me being harassed to leave XXXX XX/XX/XXXX and i never had income past it. My total savings as cash was below XXXX dollars. In XXXX i paid XXXX  my wife XXXX help from my XXXX account. In XXXX a taffic police XXXX attacked me in front of XXXX town hall and made me leave retired life in XXXX to waste about XXXX dollars in XXXX california where i wasted time being customer of XXXX XXXXXXXX XXXX suspects to this situation. I recieved a us social security statement in mail that if i become XXXX i would get XXXX dollars a month. I rented in XXXX, bought furniture sold, car and sold .. After i filed dispute with XXXX in XXXX XXXX XXXX XXXX XXXX harassed me at airport and forced me to sign XXXX. I did not accept it but i did not get ombudsman settlement in wellsfargo and i was deported in XXXX. I never closed wellsfargo relation. This is some cheque i should have recieved when i entered XXXX in XXXX. Instead they have murdered a cousin i suspect and used that as reason to force me to sign XXXX and i do not have now wellsfargo usa or XXXX XXXX relation exploited by XXXX and XXXX. I opened XXXX XXXX using my mothers house sale and maintained XXXX. I registered XXXX XX/XX/XXXX as XXXX  i paid XXXX XXXX  training using wellsfargo and XXXX XXXX XXXX credit card. I demand restoration of my wellsfargo account and i want the IP of my three books one of which is XXXX XXXX XXXXXXXX given to me. I want help to find XXXX  my wife as it is being used not to give me money. I closed XXXX  XXXX XXXX IRS has taken XXXX or so dollars unncessarily from my account in XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

My payment plan was income based driven, which needs to be updated annually. While I submitted the paperwork on time, and thought everything would be the same continuing into the next 12 months of payments, it mysteriously never made it to NAVIENT. Never received emails stating that my paperwork was n't received on their end and was completely blindsided when I saw that my payment had almost doubled. After frantically calling to remedy the situation, the gentlemen on the other end could really not care less and offered no other solution than to pay it or do n't. So I paid it, re-filled out the necessary paperwork, called NAVIENT to confirm this time that they received the paperwork and thought everything was settled. Wrong. This time around the same payment that I had been going with for years was now wrong, and my doubled payment remained the same. Completely aggravated, I call them back for the third time and spoke to a woman this time and provided me with the option to forebear a payment, which I find out any payment 's interest not paid under this option will automatically be added to the principle amount. Paying what I could, I went with the aforementioned option and was reassured that my monthly payments would now go to normal ( around {$180.00} ). Not even a few days later I receive two emails from the company, one stating that my next payment would be the doubled payment and the next email states that my payment would be {$220.00}. Now I still have n't called them back a FOURTH TIME to remedy the same situation, but it 's a little ridiculous to have to follow up this many times to give someone my money.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 
XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX XXXX  ACCOUNT # XXXX 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 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX account # XXXX In accordance with the fair credit reporting act XXXXXXXX account XXXX has violated my rights. 
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
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 

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 2017-01-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TRUSTMARK CORPORATION (MS)

My bank accounts at Trustmark bank have been compromised. I have sent a complaint concerning one of my checking accounts and I need to add the other " High-Yield " account as well. I have attempted to reconcile these matters with the bank, on several occasions without any resolution. I am a victim of Identity Theft which I reported to the FTC. I have also reported the bank account breaches to the FDIC. My E-mail has been compromised. I have never had an internet account for any of my banking accounts. I never use on-line banking.
Consumer complaint received 2023-03-10
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. (CA)

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$4900.00} XXXX  XXXX  XXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$61000.00}
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (WI)

I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter to Transunion disputing 1 account through the CFPB that was received by Transunion on XXXX. I received a company response that stated in progress on XXXX for complaint XXXX. It is now XXXX and I have not received a response from Transunion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes. If the information can not be verified within the 30 day time period, Transunion must delete all of the disputed accounts from my report. With it being well past 30 days Transunion must now delete the disputed. I have attached all supporting documents.