davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizen Bank merged with XXXX in XXXX of 2022 where the merge was done in a rush and Citizen Bank was not internally ready for the act. Citizen never provided statements or new loan numbers nor trained any XXXX staffs at branches about their internal banking systems to provide a clear and accurate information about my persona line information. Every time I went to the branch, I had to sit with the previous XXXX staffs to call Citizen bank customer service and would took over an hour or two hours, and still couldn't get an answer about how and what to pay on my personal line, not even an account number was provided until months later of the merge. However, Citizens had reported to credit bureaus on my credit that I did not make payment for extensive time. I am a XXXX XXXX XXXX person so making it to branches to understand what the new bank system are very hard. It was a very complex and confusing internal banking system they have with my personal line, checking and savings accounts. I did make payment on the loans eventually after XXXX staffs are better trained with citizen bank system and able to help me right away without needing me to sit there for hours to call customer service for answer. It is not fair that citizen bank created chaos for customers on their merge with XXXX and resulting customers not able to make payment for the loan due to lack of loan information and could not understand complex of their banking system. It is not fair that Citizen Bank reported for loan delinquency to credit bureaus hurting my credit score significantly. I have tried to communicate with Citizen bank on my own but they refuse to admit to their own insufficiency on merge and resulting in my non-payment and hurting my credit.
Consumer complaint received 2023-09-01
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. (MA)

I am submitting this follow-up complaint to the CFPB to ensure that the Experian Credit Bureau removes the last fraudulent inquiry which still persists on my credit report. I am eagerly anticipating that the upcoming credit report update will reflect the successful removal of this remaining inquiry mentioned in the complaint : EXPERIAN : XXXX XXXX  XX/XX/2022
Consumer complaint received 2023-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

I recently submitted a request to my loan servicer documentation needed to request a XXXX XXXX XXXX XXXX but have denied my request. It is believed that the denial request is discriminatory in nature and without merit. I am a XXXX XXXX XXXX who was injured in a car accident on XX/XX/XXXX and onXX/XX/2021, which made my disabling conditions much worse and required additional medical treatment. 

The deferrment request was signed by my XXXX XXXX XXXX XXXX who acknowledge and confirmed my injuries have made it difficult to work at this time and require further medical treatment.
Consumer complaint received 2020-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (GA)

American Express closed my accounts without notice after I was affected by Hurricane Michael and after repeated attempts to pay the debt and get the accounts reopened, American Express did not not have any sympathy that the disaster occurred nor the personal events that happened after it, including the one we are facing now, Covid-19. After more than 10 years as a cardholder, American Express had no  regard for me or my family despite an immaculate payment history and in addition kept more than {$1000.00} of earned Rewards I had earned when they closed my accounts. 

I have told this company to cease contact, yet they have still continued to call me multiple times from multiple numbers, every hour, every day. I have attached call logs as proof.
Consumer complaint received 2023-09-01
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IN)

I purchased a car during the summer of 2019. I took a loan on the car from Hyundai Motor Finance and then paid my car off in full. Before doing so, I ensured they had updated my information in their system to my new address. They decided to send the new title to the old address anyways and I never received it. 

Since then, I have asked for a duplicate title and/or a lien of release. I have called and made this request multiple times over the past 6 months, they always claim to send it out, and it never arrives. My car registration recently expired, and now I ca n't drive it since I can't register it without my title. This means I am experiencing actual damages from the company 's inability to fulfill its final step of the contract. 

I filed a previous CFPB complaint on this matter, but it was closed after their response. They promised to send it via courier ( for a signature ) ASAP, but it still hasn't arrived, nearly a month later. Hyundai Motor Finance is not fulfilling their contract and I desperately need help.
Consumer complaint received 2023-07-31
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. (MI)

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. 


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 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America took a payment out of my Checking account without my permission. I am behind in my bills due to hardship. I saw it after this was done by the bank. can they legally do this? The Federal XXXX XXXX XXXX XXXX Section 226.12 ( d ), bars financial institutions from applying the right to offset credit card debts. 
this was done to my personal and business checking account. the business account onXX/XX/2023 for {$780.00} for a business credit card with Bank of America. And my personal account on XX/XX/ for XXXX on a personal credit card from Bank of America. my accounts and credit cards are from Bank of America
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-09-01
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. 

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 XXXXXXXX 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 2023-09-01
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. (FL)

I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payments for the XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/2019. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I've had a problem for months with Equifax in that I can no longer access my online information through Equifax or XXXX XXXX XXXX app. I've called numerous time and been instructed to change my password but that's the problem, I can't change it, I've lost total access to my account and need to speak to a tech person. I was told 4 weeks ago a ticket was put in for me and someone would phone but they haven't. If I can't get help from you and Equifax, I'll be filing a complaint with my state attorney generals office. This is ridiculous. Equifax is withholding access to my account and you are not helping. There is something seriously wrong with the information on the Equifax account, I believe it is related to a previous email and phone number I lost access to due to a scam. Someone has to help me!!! Best time to call me is any day after XXXXXXXX XXXX. XXXX.
Consumer complaint received 2023-09-01
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. (MO)

I am requesting specifically regarding the reporting of late closed account. I have carefully reviewed my credit report from your agency and have identified inconsistency that I believe require immediate attention and removal. The 3 credit bureaus shall be removed this late closed account. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I am very pleased to request that you investigate this matter promptly and removed the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the removal once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this late closed account.. I expect your prompt attention to this matter and a fast resolution.This XXXX XXXX Balance Owed : {$0.00} should be removed right away.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TX)

On XXXX XXXX I Called Concora Credit in regards to an error I found on my credit card statement that alleged I missed a payment. I told them that I had submitted my payment via postal mail. And I requested an investigation immediately for the fact that I was now disputing what Concora Credit claimed I owed. Instead of following my directions they continued to collect a debt while it was in dispute. And communicated false information to the credit reporting agencies that I had missed payment/late payments harming my reputation. In attempt to resolve this matter I also wrote a letter to Concora Credit requesting the original agreement, that shows their rights to communicate false information, and they still ignored my request. I have been harassed and abused by Concora Credit by unfair and unconscionable means to collect a debt.
Consumer complaint received 2023-09-01
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. (PR)

In accordance with the Fair credit reporting act XXXX account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Consumer complaint received 2020-06-12
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: ERC (TX)

Please review the correspondence sent to ERC and Credit Agencies this morning. ERC continuously attempts to collect invalid debts. I have received several notices from them, and each time the debt is later removed. I am asking that they be reviewed based on the CFPB guidelines with regard to consumer debt/collections. They continue to violate my rights, and I want them to cease ALL COLLECTION AGENCY IMMEDIATELY. 


Good morning, I am requesting that the collection activity for this account cease immediately. I have not had XXXX XXXX in Several Years. When I did have the service through XXXX XXXX ; all bills were paid, and all equipment was returned. I had a remarkably similar issue through your collection agency regarding XXXX ( another Cable Company ). That was removed immediately at the direction of XXXX XXXX, Senior Vice President of Operations, as the collection was not VALID. Again, I asked that you remove from your collection activity. If you can not do so, please have Mr. XXXX contact me directly at XXXX. 



Confirm New Collections Account A collections account from ERC was added to your credit report on XX/XX/XXXX 
CREDITOR INFO ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT TYPE Collection Account DATE OPENED XXXX XXXX, 2020 BALANCE {$200.00} ORIGINAL CREDITOR 11 XX/XX/XXXX
Consumer complaint received 2023-09-01
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. (PR)

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The TRANSUNION and XXXX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom it may concern at TransUnion, Last year in 2022 I As a federally protected consumer demanded that TransUnion follow suit with XXXX and XXXX and DELETE an inaccurate account on my report from XXXX XXXX for an alleged debt. It still has NOT been deleted. This has hindered me from moving out of my unsafe neighborhood with my children. According to the Fair Credit Reporting Act, I have the right to privacy and permissible purpose. All reports must match! 

I DEMAND that you delete is account from XXXX XXXX OFF my report IMMEDIATELY. I KNOW MY RIGHTS! 

I have attached the deletions from the other two CRAs
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.