davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CULLEN/FROST BANKERS, INC. (TX)

I got a loan in XXXX of XXXX from Frost bank to help with the financial strain of the covid XXXX pandemic I received a personal loan with lower interest rate and extended payment options for XXXX but company did not offer any kinds of relief once the pandemic got worse because they explained that my loan didn't qualify. When I feel behind on loan I was charged extensive fees totaling {$10.00} a month on top of regular monthly payments that made me even when paid extra I couldn't pay down the principal due to absorbant fees added to each payment I was I'll and incapacitated at times and not able to make my payments on-time being XXXX times reported to the credit bureau for being over XXXX past due even if it was XXXX day. Payments were supposed to be aprx {$54.00} dollars a month but because of XXXX fees at {$5.00} a piece for being late and I can't remember what the other fee for {$5.00} was. I asked and begged the company for extensions, forbarance, and fee wavier but Frost bank said since it was called a pandemic loan I was excluded from any relief now loan is charged off with approximately XXXX due but would be way less if it wasn't for the late fees and additional interest charges even though the interest was low and payment extended I could've paid it off earlier with the banks help they offered every other loan except this XXXX and even after the government filed a financial emergency in XXXX Frost bank still refused me access to any relief
Consumer complaint received 2019-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called XXXX and its Account Managers several times, I have sent a cease and desist letter and although I paid this account off XX/XX/19 it still is reporting monthly as 60 days late with a {$610.00} balance to XXXX, XXXX  and Transunion.
Consumer complaint received 2024-08-03
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. (MD)

XXXX XXXX XXXXXXXX Account number- XXXX In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 specifically states " There is a need to insure that consumers that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. I am the consumer and Transunion, XXXX and XXXX are the consumer reporting agencies. According to 15 USC 6801 " 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. '' I have the right to make sure my private information isnt shared. XXXX XXXX XXXXXXXX is a financial institution under title 15. 15 USC 1681 section 604 a section 2 states " 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 ''. XXXX XXXX XXXXXXXX, XXXX, XXXX, and Transunion do not have my consent to furnish this information. Any and all consent to XXXX, Transunion, XXXX, and XXXX XXXX  XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. It states in 15 USC 6802 ( b ) ( c ) " 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 XXXXXXXX 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 being reporting without my permission which is against the law. According to 15 USC 1681s ( 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 innacurate. 15 USC 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 1681b of this title '' XXXX, Transunion, and XXXX are not maintaining reasonable procedures at this time. 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am now opting out of your reporting services regarding the account mentioned.
Consumer complaint received 2024-08-07
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( Experian ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that Experian and XXXX also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that Experian and XXXX will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.
Consumer complaint received 2024-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (TX)

Periodically I would receive past due notices when he missed a payment and I asked him about it sine the notices had his company name. He claimed he had no idea how my name was attached to his loan and promised to correct it. Months later I received a letter again from the loan agency demanding I pay {$53000.00} to pay off the loan, I decided to request what information they had and they sent a document that showed my signature which was copied twice ( exactly the sane way ). The loan agency doesn't have my social security number but the do have my name and address. I contacted them before it went into collections and they tried to get my social security number of which I refused to provide it. Now that it is in collections they provided more information but it is obvious that my signature was copied. I have known XXXX XXXX for over XXXX  years and now I have no idea if he is alive or dead as he will not contact me. His company name was XXXX XXXX XXXX and I did some contract work for him years ago but was never an officer of his company. I am afraid the lender will step up their process to collect from me.
Consumer complaint received 2024-09-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NATIONAL DEBT RELIEF LLC (OR)

The company is National Debt Relief. 

The issue they posed to me was that they would have me approve settlement offers and then change the details they provided me immediately after I signed. This happened on multiple occurrences. When I contacted the company to retract my offers due to changing details after I approve they essentially said they could not and it was my fault for accepting the agreements. This, to me, seems highly illegal and is essentially tricking their customers to accept legally binding offers and changing the details of said offers after the customer agrees. The details they changed were the balances on my debt and National Debt Relief charges a 25 % fee of the balance. I choose to accept settlements offers based on the settlement plus the 25 % balance fee. This means that, after changing the fee, the total I pay changed.
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I had a car rental with XXXX on the XX/XX/XXXX. My credit card got charged at XXXX, for a deposit of {$100.00}. On XX/XX/XXXX at XXXX I returned the rental car and XXXX XXXX XXXX  company sent my deposit of {$100.00} back to me. I saw the charge the same day I got the rental, but the charge disappeared. This is not good, because the XXXX company said the charge was done at XXXX. 

The charge on XX/XX/XXXX is gone, and not in my transactions history. Every transaction needs to stay on the transaction history ; thats really important. The CFPB said every transaction needs to be shown on the transaction history in the online portal. 

This is really interesting because the car rental company told me the transaction number, which is # XXXX. They are telling me that there was a charge and some type of transaction. 

-- -- -- -- -- -- -- -- -- -- -- -- -- - Also, I have one more similar topic.

-- -- -- -- -- -- -- -- -- -- -- -- -- - My next topic is that the interest transaction on credit card is also not showing up on my transaction history in my online portal. This is really weird because all the other bank portals show the interest charge transaction on the transaction history in the online account. The interest is only showing the amount charged in the monthly statements. It is not in the transaction history, which is needs to be, because it is some type of charge transaction to your credit card account. 

This topic is similar to my other one, because the transactions are not showing up in the transaction history on the banks online portal. CFPB says that all transactions need to be shown to the consumer. 

-- -- -- -- -- -- -- -- -- -- -- - The company is called FNBO Website is www.FNBO.com Number is XXXX
Consumer complaint received 2024-09-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. ()

XX/XX/XXXX someone took my money i was a victim of scammed I report this on remitly and XXXX  but they just ignored me it was depressing to me that money i lost is supposed to be for a house but no one giving me support they just easily refused to request without asking me anything i am victim here but they are not taking me seriously i was begging for them to help me get me refund my money but they still refused
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2024-06-10
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)

The XXXX of ADDRESSES 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 Va THESE ARE NOT MY ADDRESSES AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-10
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. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-10
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. (IL)

PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-10
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (FL)

All stated previous page and all included in my credit files as I do not have a way to print these and too much hassle to try to find someone to print info out for me to relay direct to you. This is easily verified in my credit reports.
Consumer complaint received 2024-06-10
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: Experian Information Solutions Inc. (TX)

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 XXXXXX/XX/year>
Consumer complaint received 2024-06-10
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. (IN)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2024-06-10
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.