davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

I have several issues with what happened. First off, I have spent over XXXX hours in total to get an answer with this and still can not get to someone to find out what has happened. 
I went in and closed all my accounts with US Bank. They failed to close the account and allowed more transactions to come out beyond the pending transations. They stated that the closed the account and I left enough money in the account for the pending transations. They failed to close the account as I had requested and allowed new transations to come out of the account. Then I was able to show them that the money that was in question of coming out was in fact not supposed to come out as I had cancelled that policy of what was coming out. This was the second time off having the account closed. Then got a letter in the mail of a discharge off of the account and this should have never happened as I proved that the money was not to be taken in the first place. Then over a month after closing my account, I find out that it had been reopened without my consent. I was now even more upset and went in to have the account closed again. About XXXX weeks to a month later, I receive a check from US Bank. I took it in to the bank and asked them about the check. I was told that it was a good a check and that was what US Bank had owed me, so I took it and deposited it into my new bank only to have a hold put on the check for a week. This check was over XXXX  dollars. Then find out that they put a stop payment on the check. I then called US Bank multiple times to find out why a stop payment was placed on this check after I went in and verified that the check was good to cash. No one on US Banks end could tell me why the check had the stop payment XXXX it and I was passed around and around from person to person and department to department. The final straw was that I was told that I had to call yet another number and that I would have to just wait on hold. This was not acceptable for me and I am tired of wasting my time with the run around that I am getting. I still have no answer on why the check was sent in the first place or why the stop payment was placed on the check.
Consumer complaint received 2023-08-18
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: Experian Information Solutions 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 OF XXXX Account # XXXXXXXXXX XX/XX/2021 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 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (GA)

The account in question in the " XXXX  '' on my Experian Credit Report. I have disputed this account twice, once in XX/XX/XXXX and once in XX/XX/XXXX. The account was sold to a collection agency on an unknown date and the original account in question is shown as " closed, {$880.00} written off ''. This account is currently showing the last payment made to be on " XX/XX/XXXX '', which is almost XXXX  years and XXXX months ago. This should put the account as delinquent in XXXX of XXXX  ( still passed the 7-year limit ). I have contacted the original creditor and they do not have any account information including payment history or when the account was sold to the collection company. My understanding is that a charge-off account stays on your credit for 7 years past the date the account goes into delinquency. This was confirmed to me on the Experian website in an article they published about " charge-off accounts '' which I've attached below in the documents. I believe they are treating this account like the collection account It would have been at the collection company which would have stayed on my report for 180 days after delinquency plus the XXXX  years had it not already been removed by the collection company. This account has already been deleted from XXXX of the XXXX credit report agencies.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (VA)

The Credit bureaus stated that my account was properly investigated but how is that possible if the balance is in accurate, open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate ( please see attached credit report ). This is ground for removal they also violated my rights under. 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 states a consumer reporting agency can not furnish an account without my written instructions. Also, the credit bureaus took more than 30 days to complete my investigations here is my certified mail tracking number. Experian XXXX ; XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2023-08-18
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. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-08-18
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-08-18
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-18
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : 1. XXXX XXXX XXXX with Account Number : XXXX XXXX. XXXX XXXX  with Account Number : XXXX However, they stated everything was complete and accurate but that is not true as the open date, date of last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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. Also, XXXX, Equifax and XXXX are not even in compliance with Metro2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC (WA)

XX/XX/XXXX XXXX XXXX XXXX XXXX which is insurance company sent fund to my bill.com account but I am not able to have access to my account. They keep telling me that it's because XXXX XXXX XXXX didn't connect with my account using my ID but if that is true then how did I got an email from bill.com that fund was received but I still don't have access to my bill.com account and fund. I have emails for proof that they are lying. They keep lying to me that they tried to call me which I never got calls from them. Bill.com doesn't have customer service email or phone number to solve problems and they should be banned from doing business without good contact information. All I got was 1 call from their rep without giving any name with caller ID block with bad accent that I couldn't understand what she was saying and call ended without solving this issue. I am surprised that no one caught them breaking banking regulation by not providing good contact information and still operating their website in the US. I worked in banking industry for over 10 years thus I am very well about its requirements. I need help from CFPB to stop them from ripping people off this way. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
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. (PA)

I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I called the company 10 days prior to my payment due date in order to defer my loan. I did not get an answer after being on hold for an hour. I then proceeded to fill out the deferment process online and submitted all required documents, I never received a confirmation or receipt. The day before the due date I resubmitted said documents and called the company, no answer, I then made the payment on the due date and received a confirmation, however the account has been updated to unpaid and late, I called the company again and never got a live human on the phone after being placed on hold for over an hour. This company is predatory and refuses to answer any calls or inquiries!
Consumer complaint received 2023-05-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

When I reviewed my credit report, I discovered that the informations are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Consumer complaint received 2023-06-07
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. (LA)

Equifax is willfully reporting an inaccurate consumer report, about me, the consumer, without respect to my privacy, accuracy, fairness and impartiality as define by Congress in 15 U.S.C. 1681. Equifax is in direct violation of the FCRA and the GLBA 15 U.S.C. 6802, and in despite of the multiple attempts by the consumer to dispute and have this information permanently deleted, Equifax refused to follow and honor the law.

Equifax if collecting, assembling, and sharing a consumer report on me without my consent. Equifax is included excluded consumer transactions and experiences as well as authorizations and approvals of a specific extension of credit directly or indirectly by the issuer of a credit card pursuant to 15 U.S.C. 1681a ( d ) ( 2 ).

Pursuant to 15 U.S.C. 6802 a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Equifax is a financial institution as defined in 12 U.S.C. 1843 ( k ). Equifax has never requested my consent to report a consumer report and they have not provided my an option to opt out as a federally protected consumer. I've made multiple attempts to dispute inaccuracies and have my right to privacy respected but Equifax continues to be willfully negligence. How can a consumer have faith and confidence in the banking system when the persons upheld to insure it won't even follow the law? Equifax sends every dispute back as verified but never provide the necessary contents pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and the reinvestigation procedure pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) to insure Equifax exercising his duty to adopting reasonable procedures that are equitable to the consumer. This negligence has resulted in the the filing of a federal civil suit.
Consumer complaint received 2023-10-11
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. (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. 

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. Or a 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 2023-10-11
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TN)

My loan payments began this month ( XXXX XXXX ) with Nelnet ( previously Great Lakes, switched to Nelnet prior to any payments ). I had everything arranged to auto debit my loan payment amount for the due date, but my payment was not auto debited and was then considered past due. I went ahead and made the payment at that time as I assumed the auto debit had an issue. I contacted customer service to inquire, and was on hold for a very extended amount of time ( see attached ) totaling XXXX minutes. I finally spoke with someone who informed me there had been an issue with the auto debits set up in XXXX and XXXX. She told me to cancel the auto debit I currently had and reset it up and it should work then moving forward. This was on Monday XX/XX/XXXX. While reviewing my checking account today ( XXXX ) I noticed my account was debited twice for my student loan ( XXXX transactions of {$190.00} ). Thankfully I didn't overdraft, but I know some may not be financially capable for this to happen. Upon calling today XXXX to discuss the issue, I was told the hold time was greater than XXXX minutes. My total wait time was XXXX hours ( see attached ). I was then informed that there was no issue at all with the auto debits and that it wasn't processed due to being a weekend due date and then a bank holiday the following Monday. She was very polite and incredibly empathetic.