davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NV)

XX/XX/XXXX : Attempted to use a recently opened Citi XXXX XXXX Mastercard to book a flight on XXXX XXXX 's website. The card purchase failed and the website instructed me to call my credit card issuer. 

I called Citi using the provided number at XXXX PDT. They were able to identify my account and I successfully provided my security word. However they asked to text me a code to my mobile number, which they were unable to complete. 

They told me they'd instead send me a letter which would arrive in a week, after which I could call to unlock the card, but I declined this saying that this would not allow me to make the flight purchase and that was the entire reason I applied for this card - for the 0 % APR until XXXX. 

Since this card was now useless to me, after successfully making my flight purchase using another non-Citi card, I called Citi once more at XXXX PDT to close the account, and due to feeling bait-and-switched, I did not want Citi to benefit in any way from having this account open, inflating any of their metrics, nor did I want to receive any communications about it. 

The service agent told me that I could not close the account because my account was under investigation. I am concerned that this may affect my credit score and ability to open other accounts, and I think it's outrageous that after preventing me from using the card, and being unable to verify me on the phone, that they are now are preventing me from closing the account.
Consumer complaint received 2024-10-24
Product: Credit reporting 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: EQUIFAX, INC. (TX)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX is missing my positive payment history from XXXX seperate accounts and needs to be updated immediately so that it is reflecting on my reports appropriately and accurate. This missing reporting history has caused my credit to be reflected in a negative way. 

Account # XXXX is missing positive payment history from transunion and experian. 

Account # XXXX is missing positive payment history from equifax XXXX 

Please update these immediately so that it is reporting correctly as is should and following the laws of the FCRA precisely.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NH)

Back in XXXX XXXX  requested to assign my loan into a Save payment plan to lower monthly payment. Rep assured me my request was processed, but received a bill of {$1600.00} instead. Customer service never picked up the phone after. Complained by mail instead in XXXX and only received an answer in XXXX telling me to pay {$1.00} again ( had already done it in XXXX ) I had to switch to a private lender due to Edfinancial inability to process my request and purposely delay it. 
Complained with the department of education and they sent an email back in XXXX acknowledging the companys mistake.
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (AL)

Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!
Consumer complaint received 2023-07-29
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)

To whom it may concern, I recently sent via certified mail a number of items on my credit report that I believe is being reported incorrectly. I sent this certified mail to Experian Credit Bureau from my local post office on XX/XX/2023 at approximately XXXX XXXX CST. 
On XX/XX/XXXX @ XXXXXXXX XXXX I received an email stating that my dispute had been completed and asked to view my results for the new and updated file # XXXX. While I did research thoroughly I was fully prepared to wait the 30 to 45 days for the results to come in via MAIL. Why? In my letter I did asked them to validate the accounts in which I wanted disputed, but I also asked that they send me their procedures used to validate the said debt. While I am sure they used the E-Oscar tool to complete this because on all items I challenged it said out to the side the following - 1. ) Information on this item has been updated. Please review your report for the details. or 2. ) The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

This brings me to the following questions to you CFPB.

1. ) How can they investigate this properly in 3 days? 
2. ) Why did they not send me and supply me with their means on validating the said debt?

3. ) If they did indeed contact anyone of the said creditors why would they update with correct information if it was reporting incorrectly previously? I thought if there were errors then they should be deleted according to the FCRA? 


I would like an explanation of these questions I have listed above in a timely manner, as this is not only affecting my credit profile but also my ability to gain employment. 

The rules cant apply for some and not everyone. As it relates to Experian, I do not need the canned message that you guys typically send following a complaint with the CFPB as you never follow up as it says and Im certain your hoping I will just go away!

I am also sending this to the FCRA and will seek general council as well.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX at XXXX, I called Barclay 's customer service XXXX on my wife 's behalf, to ensure a payment of {$7600.00} that I was about to make, would be properly credited to balance transfer promotion that was expiring XX/XX/XXXX. I was told by the Rep that it would be. This left balances of {$3400.00} and {$3600.00}, both with a promotional rate of 2.99 %, expiring on XX/XX/XXXX. On XX/XX/XXXX, I saw my statement, which showed an interest charge of {$170.00} and the promotional end dates of balances left were blank. This is when I sent my first secure message. Their answer was that it was a balance transfer fee although no balance transfer had taken place. I sent another message on XX/XX/XXXX questioning this. Their answer was they reserve the right to change how my payments are applied. More messages were exchanged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which resolved nothing. I have reduced the account to zero because I will not pay 30 % interest to anybody. I should not be paying {$170.00} in interest for last month plus the interest for this month. I called to avoid a situation such as this and yet here we are because of the disingenuous actions on the part of Barclays Bank.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY 17 WRITTEN REQUEST There are items on my credit reports that are being reported incorrectly and I have proof this is negligent by the credit bureau as you guys arent following the FCRA Laws and are in violation of several Laws on my credit report Ive send out several laters and even file complaints through CFPB you guys arent following the laws I havent received any contracts or proof that accounts on credit reports that were disputed belongs to me from the original creditors I ask the credit bureau to send me steps that were token to validate the accounts because this is clear fraud by both credit and credit bureau these accounts are being reported incorrectly and doesnt belongs to me and I ask that you guys remove the accounts immediately. Identify theft reports were already filed and send out to the creditors and bureau this is and is an crime you guys are violating my rights and needs to remove the accounts below from my credit report or I will have No choice but to sue both creditor and credit bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.
Consumer complaint received 2024-11-01
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (IL)

back in XXXX i disputed this information. This account is also XXXX years old and needs to be deleted anyway. XXXX XXXX stated that they will delete and cancel contract. They deleted it off XXXX but not the other credit bureau. i attached a screen shot of the deletion.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (ND)

Dear Discover Customer Service, I am writing to formally dispute charges related to the Payment Protection plan that I have been enrolled in for over 7 years on my Discover account, incurring a monthly fee of {$69.00}. I was under the impression that these payments would provide support in times of financial hardship, yet I have never utilized these services and believe I was misled regarding the actual value and availability of this product.

On one occasion when I did experience financial difficulty and missed a payment, Discover reported these late payments to credit bureaus without ever contacting me to discuss activating the Payment Protection plan I had been paying into consistently. This lack of communication about my options under the plan has led to unfair credit reporting that could have been avoided had I been informed of the available benefits. I find this failure to notify me highly concerning, especially given that Discover has previously been penalized by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Deposit Insurance Corporation ( FDIC ) for deceptive practices related to this very program.

Given these circumstances, I am formally requesting the following actions from Discover : Full Audit and Itemized Statement of Charges : Please provide a detailed breakdown of all Payment Protection fees applied to my account since enrollment.

Refund of Unused Charges : Since I have not utilized any Payment Protection benefits, I am requesting a refund of all payments made toward this program, which total {$5800.00}.

Immediate Discontinuation of the Payment Protection Plan : I no longer wish to be enrolled in this service and request its immediate cancellation with no further fees applied to my account.

Correction of Credit Report : Given that I was not informed of the Payment Protection benefits that could have covered my payments, I request that Discover work with the credit bureaus to remove any negative marks associated with these late payments.

I am also submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to investigate whether these charges and Discover 's actions align with their regulatory obligations and to seek any additional support available for refunding these payments and correcting my credit report.

Please address this matter within 30 days of receiving this letter.

Thank you for your assistance.
Consumer complaint received 2024-09-23
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. (CA)

I do not recognize these accounts. I am a victim of Identity theft which could be due to the data breaches that occurred and also having my ID stolen from my mailbox. I have attached a notarized Affidavit, FTC report, and a dispute letter. Please review the documents and remove these accounts from my credit report within 4 business days per 15 USC 1681c-2 c ( a ).
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Deposited CASH in the amount of {$1300.00} at a stand-alone ATM from Bank Of America , using my Bank of America Card , into my Bank of America Account . Performed this transaction on XX/XX/year> @ XXXX in XXXX NJ, XXXX, at location XXXX XXXX XXXX XXXX XXXX NJ XXXX. 

The machine received the CASH, took a while to process, then printed out a receipt saying : " We apologize for the inconvenience. We are unable to process your request at this time and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I contacted Bank of America immediately after and filed a claim. They told me the funds would likely be released by the end of the business day, if not within 2 business days. Thus far on Friday XX/XX/year> the funds have not been released. I have spoken to Bank of America every day and have received multiple different answers. 

I haven't received a clam ID number. 
i haven't received a uniform release of funds day after speaking with 9 associates on 5 different occasions. 
I haven't been given any further assistance or help. 
The only resolution I have been offered is to wait 10 days, and word for word " if it hasn't been resolved in that time, call back and we will look into it further. '' Which does not explain why they can not look further into it now. I have explained this is for bills and the money is direly needed.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
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 2024-08-13
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$210.00}
Consumer complaint received 2024-09-23
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. (IA)

I have contacted XXXX XXXX XXXX XXXX XXXX XXXX regarding this account showing repeated charge off and they send me back letters stating that they have reviewed my account and the information is correct. 
I have not received any of these below regarding this account. 

XXXX. No XXXX Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect. 
XXXX. No XXXX Received : I have not received an IRS Form XXXX ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account. 
XXXX. Repeated Charge-offs : According to the FCRA, XXXX debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in XXXX XXXX. XXXX and XXXX XXXX. XXXX, which govern civil liability for willful and negligent noncompliance with the FCRA.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-23
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human XXXX of debt bondage and would like for all listed accounts to be blocked and deleted. company information XXXX XXXX {$4000.00}, XXXXL {$3500.00}, XXXX  {$4500.00}, XXXX {$6200.00}, XXXX  {$6100.00}, XXXX  {$3500.00}, XXXX  {$2000.00}, XXXX  {$4500.00}, XXXX  {$6200.00}, XXXX XXXX {$0.00}, XXXX {$3700.00}, XXXX {$4300.00}, XXXX {$1500.00}, XXXX  {$6200.00}, XXXX {$5500.00}, XXXX {$660.00}
Consumer complaint received 2024-09-23
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. (FL)

XXXXXXXX XXXX XXXX XXXX Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4. FCRA section 611 ( a ) Inaccuracies is a violation of my consumer rights. Include 15 USC 1637b consumer law that protects accurate credit reporting. ),