davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PENTAGON FEDERAL CREDIT UNION (NY)

PenFed FCU did not honor the {$250.00} promotional checking bonus even though I met all the requirements. 

On XX/XX/year>, I contacted PenFed FCU regarding the eligibility of the checking bonus offer, and XXXX created case # XXXX for it. ( attached the email message ). 

On XX/XX/year>, PenFed agent XXXX XXXX replied to my case and confirmed I would qualify for the {$250.00} bonus after meeting the requirements ( below ). ( also attached the message ) " Thank you for contacting PenFed. 
Yes, you will qualify for the {$250.00} bonus. As long as you open the account by XX/XX/year> and have two direct deposits put in the account before XXXX. 
Please feel free to reply to this email if you have additional questions. 
Sincerely, XXXX XXXX. 
PenFed Credit Union '' In XX/XX/year>, I opened the checking account. 

In XXXX and XX/XX/year>, payrolls were direct deposited to the checking account on XX/XX/year>, XX/XX/year> and XX/XX/year> respectively, which would meet the promotion requirements. ( attached the statement ) In some date in XX/XX/year> which date has already passed the bonus posting date in PenFed promotion term and condition, I still did not receive the {$250.00} bonus. I contacted PenFed through online chatting. The agent XXXX XXXX said below ( attached the screenshot ) : " I am showing that you did meet the terms of the offer. I have sent an inquiry to our marketing team to get a status of the credit for you. I can follow up with you via email once I receive a response. It can typically take 3 business davs for them to respond. '' On XX/XX/year>, XXXX agent XXXX XXXX sent me message with another explanation of the offer and denied my request for {$250.00} bonus ( Case # XXXX ). XXXX argued the checking account bonus and savings account bonus were bundled one that I had to meet both requirements. However, from reading terms and conditions of the bonus offer and confirmation from PenFed agent XXXX XXXX on XX/XX/year>, the offer is not necessary to be bundle one. 

I attached all screenshots, statements and messages for your reference.
Consumer complaint received 2022-09-13
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2017-08-12
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have disputed an account twice with the credit bureaus stating for them to send me proof on how they are verify the account. they have failed to send me any type of proof. I have attempted to reach the company and spoken to XXXX at XXXX XXXX ( disputed account ) and she stated she didnt have any information on my account and was unable to validate anything. So if the company is unable to validate the account what information is the credit bureaus able to verify.
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Convergent Resources, Inc. (TX)

XXXX XXXX 2017 i called to cancel my payment because I ca n't pay. The agent kept asking why I ca n't pay. I told her I 'm switching jobs and want to call back when I for sure have the money. She then said she can delete the payment. She asked if they can call me. I said no. She then said " Collections efforts will still continue '' which I felt like was a threat. I was planning to call back once I did my budgeting and possibly pay the balance this month, but the way I was threatened, I do n't want to.
Consumer complaint received 2022-09-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-09-13
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. (PA)

I am submitting this complaint on behalf of myself. According to the FCRA The 3 consumer reporting agencies are in violation of 15 USC 1681 section 602. Which states I have a right to privacy. I sent these companies a dispute letter stating that are in violation of 15 USC 1666b ( please see attachment ). Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They are in violation for reporting this inaccuracy to my consumer report. They are being intentionally and willfully neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy on my report based on federal law Please see attachment.
Consumer complaint received 2024-10-31
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. (CA)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-25
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. (GA)

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didint quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to encore the correction and deletion of these items.
Consumer complaint received 2017-08-09
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: Experian Information Solutions Inc. (TX)

OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO EXPERIAN. BUT EXPERIAN HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Clarity Services (MO)

Regarding " Clarity Services '' This company is reporting information that has resulted in my being denied credit more than once. I 've faxed three requests to this company to obtain my credit report ( following instructions provided on their website ). All three have been ignored. I called the customer service number and was placed on indefinite hold. The attached image shows my XXXX XXXX account with three report requests to Clarity Services ' fax number.
Consumer complaint received 2017-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed the incorrect information on my credit file including the address and account in 2010 for XXXX that i does not belong to me now they not only am i constantly disputing i never grt more then its correct no documents to support their investigation and now dropped my credit score by 73 points while its in investigation this is cause great distress on my credit
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (ME)

I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (FL)

XXXX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE XXXX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. EXPERIAN ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX )
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

The lender 's ( Fifth Third N.A. ) payment system erroneously duplicated a payment of {$2400.00}. Combined the duplicated charges would have totaled {$4800.00}. The account only had an approximate balance of {$3900.00}. If both payments were successful the account would have been overpaid by approximately {$800.00}. I instructed my issuing bank ( XXXX ) to return the second duplicate charge. Fifth Third N.A. now states that the account will be on hold until the next billing cycle due to the returned payment. Even with the fist correct payment went through. This does not sit right with me. It was an erroneous duplicate payment and now I have to wait 25 days to utilize the account again?
Consumer complaint received 2017-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/XXXX I filed a dispute with TransUnion asking them to remove the credit line item for XXXX XXXX, due to incorrect information being reported.  I asked that Transunion contact the creditor for validation and I do not believe that they followed the law or my request in doing so, because they did not remove the item, even though the information being reported is clearly a conflict.  XXXX XXXX states that my last payment was made XX/XX/XXXX, however, the account has a pay status that says ">Account Included in Bankruptcy< XX/XX/XXXX"  Please help me understand how a payment was received in XXXX for an item that was included in a bankruptcy from TWO YEARS prior??? I'm uploading a screenshot of the item on my TransUnion Online Update Profile that was sent to me XX/XX/XXXX in response to my dispute XX/XX/XXXX
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (GA)

I did not authorize to open a line of credit with XXXXXXXX XXXX, my information was given to them without my authorization by XXXX technicians and used to open accounts with them. This resulted in a Hard Inquiry on my credit and a Line of credit showing up my credit reports, in which I did not authorized.
Consumer complaint received 2024-10-10
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX Old Navy-Gap Navyist closed my credit card because they said I missed 4 payments. They claimed that they sent the credit card statements to my email address ; however, I never received them. When I asked them what email address they had on file, they couldn't provide me with the correct email address. My email is XXXX. They have the correct cell phone number XXXX, but the incorrect email address, which explains why I have not been receiving my statements. The solution is for them to reopen my account and send the statements so that I can bring my account in good standing. 

Navyist RewardsXXXX XXXXXXXX Company address and phone number are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2017-08-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I went through the student loan rehabilitation program. After my 9 months of payment and my loan being sold, the agreement was that the derogatory marks regarding the student loan would be removed ... in fact the contract explained that the original credit line would be removed entirely. I submitted online dispute with TransUnion ( X/XX/17 ) and the results came back of which did not include deletion of the credit line. Please review the last line of the document submitted.
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about TRANSUNION . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX , XXXX . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Consumer complaint received 2022-09-13
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}. 

According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-08-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

After graduating college in 1994, I started repaying the student loans but then became unemployed and the loans were put into deferment. However, each year as I have tried to the get payments lowered to an amount that I can afford, Navient continues to say that deferment or forbearance is the only way to manage them. Now I am XXXX and have $ 150K+ loan balance that will never be paid off. When the loans first started they were through a bank and then went to XXXX XXXX and eventually Navient. This company has set out to make it hard for any one who struggles to make any payments. They have change guidelines and rules each time I try to renew the income sensitive repayment plan and end up placing me back on forbearance. There are many like me who would have paid on these loans had they been a manageable payment, but because they were usually 50 % higher than what I could afford, I know have this huge debt hanging over my head that will follow me to my grave. The consolidation they gave was a joke and did nothing to stop the interest accrual.
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NY)

Ally Financial is reporting an account on my credit report that is inaccurate and inconsistent. The late payments are not correct and different across all three credit reports. I disputed it and they verified it and you can even tell with the attached screen shot, that they said account information disputed by consumer and meets FCRA requirements. But how can it be accurate when just for example, they are reporting me 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX with XXXX and XXXX, but on XXXX they are reporting me 30 days late on XXXX XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX. This is a violation of the FCRA and not in compliant with METRO 2 guidelines.
Consumer complaint received 2022-09-12
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)

I have a number of inquiries on my credit report that I didn't make. I've contacted the companies and the bureaus and was notified to file a complaint to get the credit bureaus to take them off.
Consumer complaint received 2024-09-03
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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