davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (LA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$240.00}
Consumer complaint received 2023-08-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

XXXX is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the stupid service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. XXXX XXXX and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma (GA)

On XX/XX/23, I applied to refinance my car loan via XXXX. The advertisement was in my Credit Karma portal for a refinance at 3.12 % for 66 months. After following up with the companyXXXX XXXX and the email I received that my application was being processed on XX/XX/23, I was told that Credit Karma had the wrong rates and that I could not be given the 3.12 % because of the Federal Reserve. asked the company why I kept receiving the advertisements for weeks after increasing my credit score and to remove the hard credit pull on my account.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions 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: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.
Consumer complaint received 2020-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

Every other friday for 11 years I have used PNC bill pay to send my rent. 2/3 last months PNC schedules my paycheck deposit in such a way that when my bill is paid first it overdrafts my account. They are taking the payment about 1-3 hours early the day prior to when it is scheduled. I never asked them to send it early, I wanted it the day i scheduled it. My paycheck usually is deposited around XXXX XXXX  every other friday and the payment is taken out around XXXX XXXX  the day prior. The excuse they use is the paper check has to be mailed " early '' to get there on time the day it was scheduled to be paid. So please tell me what USPS mail  service runs between XXXX-XXXX at night and how taking that payment at that time vs past XXXX-XXXX  the following day gets it there any faster?? They are using the deposit switcharoo to try to get overdraft fees out of their customers. Also how is it that for 130 out of 132 payments over the last decade this doesnt happen? But conveniently during a time of crisis in this country and people are losing homes and their livelihood they are making money any way possible to recoup the losses the have incurred due to covid.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

I sent a dispute to Experian XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander has illegally and effectively excluded myself and countless others from the multistate XXXX XXXX dollar settlement. I know this because there is a whole XXXX group concerning, and based on the filings, the information in the settlement administrators website I should have been included. They never submitted a proof of income to Santander to be sure I could afford the car loan. Which I could not making XXXX dollars an hour working XXXX hours a week. Since XXXX didnt take my check stubs of which I tried to provide, I am eligible. XXXX also coerced me into agreeing to its ancillary products that didnt cover what it should have. I know I had an internal score and I know the loan was in default at the end of XXXX. I have been complaining about Santander since XXXX when I realized they were applying my payments incorrectly. There was a time I was told I could put two months to the back of the loan ONE TIME and I did since the car was in repossession status, but since they knew they were under fire they allowed customers to put two payments to the back of the loan numerous times, failing to inform me that I would be paying interest in the same amount twice, and also that this two months to the back of the loan adds extra money to the principal. When I heard about the settlement I called and tried to enact the arbitration clause, they refused. I then sent a letter of compromise that read I would pay the value of the car at that time just to be done with them in lieu of the settlement. They also refused. Since that time they have reopened the account closed in XXXX eight times, they report late or missed payments, then close it again even though they know that I have told them Im not paying them anymore money due to the settlement. They consistently and illegally report lies to all four credit reporting bureaus to effectively drop my credit score. It never fails. I have reached out to them regarding and provided proof of the consent agreement filed with the courts concerning. They try and repossess the car at all times during the night even though I rightfully own it. I have paid XXXX in interest on a XXXX XXXX from XX/XX/XXXX to XXXX of XXXX. None of my payments went to the principal amount due to their scheme. There were times I couldnt afford to feed my kids from trying to pay for a car that they just kept adding all these fees to the amount already owed.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: U.S. BANCORP (MA)

I just want to start off this complaint just reiterating that this is a complaint against ELAVON in conjunction with US Bank. There was a promotion that was offered to me that was not fulfilled. 

I am writing to you on the behalf of a recent Complaint I filed against US Bank via CFPB regarding my issue with a promotion when opening a new bank account back in XX/XX/2023. I had signed up originally for a US Bank Silver Business Checking Account with XXXX XXXX Checking + Merchant Offer with code : XXXX. This offer was explicitly advertised by US Bank and I was walked through setting up my account with a XXXX of US Bank where he verified every single painstaking detail question I had in order to qualify for both promotions as part of this offer. 

The promotion entitled me to a {$500.00} bonus after 60 days depositing and maintaining a {$3000.00} balance, and this part of the promotion DID get deposited into my account on XX/XX/2023. So, that part of the promotion did successfully get to me. However, the second part of this promotion entitled me to a {$600.00} bonus on top for opening a Payment Processing Account through Elavon and making a transaction of at least {$50.00} deposited into the same Silver Checking Account. This I did not receive and US Bank responded to my complaint claiming that there was no {$600.00} promotion for this. Wellthere was and there is and I specifically signed up for US Banks accounts with this in mind because I was making a business decision and trying to choose a new payment processing solution anyway. 

US Bank claims to not know of the promotion, but is attached to this complaint and this version of it was actually sent to me by an agent explaining that according to records I DO qualify for the bonus and it should be deposited into my account. It has not been.
Consumer complaint received 2023-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

In general, I believe that the credit reporting agencies have too much control of our lives. Also, that they conspire together to control the algorithms that make the fico scores and its all too confusing for the average person to understand. I am a XXXX XXXX and I understand Its all a scam to charge poor people insanely usurious interest rates. They make it impossible for a person to move from a poor to good credit because when you are rated poor the financial products are terrible and you cant get ahead. 

Experian is constantly pressuring me about membership that costs XXXX per month. I joined once and had a real nothing BOOST It took two months to drop the XXXX  service and when I did my score dropped from XXXX to XXXX and then XXXX. 

You know its all a scam. Experian Boost and XXXX XXXX prey on the poorest to take on credit cards with XXXX limits and XXXX membership fees.You probably cant do anything about this but you should. 

The whole credit reporting system should be rebuilt
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (OH)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated.

Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
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. (CA)

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had an small mortgage on my vacation home with a company by the name of XXXX XXXX. 
XXXX XXXX sold my mortgage to XXXX XXXX on XX/XX/23. I had a notification in my email from XXXX XXXX, so I called them and aske since my mortgage payments are automatically withdrown from my checking account do I need to do anything and I was told " NO '' all information has been copied over to XXXX XXXX, and I was advised as procaution check my bank account for the next month and if XXXX XXXX  has withdrown the payment " I AM GOOD TO GO '' there is nothing else to be done. 
On XX/XX/23 I received an email from my credit protection that XXXX XXXX  has reported me as deliquent over 30 days, I called XXXX XXXX  and I was told that they only withdraw paymnet for 60 days and I ma responsible to call and setup myself as a new customer and give them my bank information and such, I asked them why didn't they contact me and according to the, they had, even though when I asked they did not have my new address neither did they have any record of them trying to contact me, and I was told that they do not use email in the mortgage dept. I corrected my payment and the proceeded to payoff my mortgage too. I filed a grivence with the bank and I was just notified that they will not withdrow the reporting to credit agencies, My credit score was XXXX, and has nver been less than XXXX, but now it is XXXX. I have worked so hard to keep up my credit but now I have to wait 5 years to remove this blemish from my record. I need help to force XXXX to remove this reporting from the credit reporting agencies. 
Thank you
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. (VA)

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, 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 an 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I reviewed my Consumer Reports and noticed that I had multiple accounts opened in my name when I was XXXX. I have provided proof to the creditors and they have refused to respond. I will provide proof that I was XXXX  from XX/XX/XXXX until 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: Experian Information Solutions Inc. (CA)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX