davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (NH)

XXXX. I am a XXXX  XXXX person and I use a XXXX XXXX program installed on my computer, which allows me to interact with my computer. I am also a retired XXXX XXXX, who, for more than 10 years, specialized in XXXX XXXX ( including XXXX XXXX XXXX and website accessibility ) for persons with XXXX XXXX. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 
XXXX. I use the Discover Bank website to manage banking transactions. This includes the transfer of funds between multiple Discover Bank accounts, as well as the transfer of funds between Discover Bank and other financial institutions. As a XXXX  XXXX person, the importance of being able to interact with a website using XXXX XXXX software is of critical importance to me and every other person who must rely on assistive technology to interact with todays digital-focused society. When my wife and I chose to do business with Discover Bank in XXXX, one of the most important considerations was my ability to independently interact with their website. 
XXXX. As of XX/XX/XXXX, I am no longer able to initiate a funds transfer using the Discover Bank website. Less than a month earlier, XX/XX/XXXX, this function was fully accessible to me. Changes have been made to the website which has broken the accessibility. In particular, it is not possible, using a screen reader, to select the From account, the To account or the Frequency. It should also be noted that since the beginning of XXXX, other changes have been made to the website that have introduced accessibility challenges. As a highly experienced XXXX XXXX user, I have been able to find workarounds to deal with these changes and thus have not complained about them. The overall accessibility of the website has most certainly declined since I first began using it in XXXX. 
XXXX. Prior to contacting customer service, I performed testing using XXXX different XXXX XXXX ( XXXX and XXXX ), on XXXX different computers, using XXXX different browsers ( XXXX and the XXXX XXXX XXXX ). I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to perform a funds transfer between my accounts. 
XXXX. I contacted the bank on XX/XX/XXXX and spoke with a customer service person, XXXX. I described the issue that I was having and he listened intently. At the end of the call, he stated that he had documented my issue and had sent the information to XXXX different internal groups. He said that I should hear from someone soon regarding the matter. 
XXXX. I have not received any communications from Discover regarding this issue. I have continued to log in to my account on a regular basis and try the funds transfer function, in the hopes that it has been fixed and they just forgot to notify me. Unfortunately, as of XX/XX/XXXX, the transfer function is still not XXXX XXXX accessible.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, I am currently applying to apartments, and they go through Transunion and use the resident score. I reached out to Transunion to see if I can obtain this information as I have the right to any information about me. FCRA states consumers have these rights. They went on to ask if I have had a background check down. Explained that I have not had one done recently through Transunion but through others like XXXX. I went to ask how I can go about submitting a background check and obtaining my Resident Score report. I was told that is only if I apply through the XXXX XXXX application but not all properties use that. At the end of the call, I got no information on my report or a way to access my report. Just like credit score consumers should have rights to know what information is being shared and what is on the report. We aren't even sure where they are getting the information from and what is even inaccurate. This just seems illegal! No disclosures were read to me or anything. People do not have money to waste on applications to just get denied over a score we know nothing about.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (MI)

On XX/XX/XXXX I accepted a loan for {$2000.00} with OPPLoans and {$170.00} to be deducted for 12 months totaling {$2100.00}. 

On XX/XX/XXXX I submitted a request/complaint to stop payments from being deducted from my account to both OppLoans and my XXXX  XXXX XXXX account after realizing they were deducting money twice a month instead of once a month. By this time a total of {$1600.00} had been paid of the {$2000.00} debt agreement to be paid off in12 months of {$2100.00}. 

I made a final payment on XX/XX/XXXX of {$170.00} for a total of {$2100.00} the amount agreed and signed to on XX/XX/XXXX. I submitted proof of payment to both OppLoans and XXXX XXXX XXXX unfortunately, XXXX XXXX XXXX complied with the request/complaint while OppLoans sent it over to collections as not being paid in full.
Consumer complaint received 2024-06-20
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. (TX)

I was the victim og ID theft due to recent data breaches. I have disputed these inquiries with equifax to no avail, the refuse to remove these. They violate federal law by not deleting these. I am filing a complaint with the FTC against this CRA as well. 

See the attached image for more detail Fraudulent inquiries are as follows : Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

This is a followup to XXXX ; I predicted this would happen when you closed the case in XXXX. My vehicle was repossessed tonight in the middle of a bankruptcy procedure. CFPB site failed to save my previous take updating the past XXXX years, this review starts the new complaint : XX/XX/XXXX In XX/XX/XXXX I filed a credit discrimination case against XXXX XXXX XXXX XXXX XXXX that was too broad to process. The company lied in its response to you about the vehicle loan Ive paid on for 10 years that was tied to a {$XXXX} credit card. It reviewed that I had a good relationship with them since XXXX that took a sour turn in XXXX after I resumed working after a brief layoff. That XXXX I refinanced my XXXX Jeep with XXXX remaining on a XXXX  % loan, at XXXX  % -- despite a XXXX XXXX XXXX and no late payments. Without my knowledge that refi interest rate escalated to XXXX  % then XXXX  % despite scheduled $ XXXX  monthly payments and $ XXXX monthly payments on the card. 
In the middle of XXXX, they charged off the card yet still made me pay on it. XXXX years later, none of the principal was whittled down on the car. They wouldnt reveal their payment interest ledger, which later indicated NOTHING was paid on the card. I needed a third refi on the car, which it granted. That day, it claimed it forgot about the charged off card and that I owed {$XXXX} on it and another {$XXXX} on the car. 
In XX/XX/XXXX they surrendered their ledgers on both, which indicated I had paid more than {$XXXX} on the car but still nothing on the card. XXXX months later, now retired and facing a {$XXXX0} repair bill on a blown engine caused by RBFCUs top warranty protection dealer ( which gave me a {$XXXX} refund but wouldnt cover the extra expenses ), RBFCU wouldnt exchange the vehicle for payoff. Nor would it let me sell it to a third-party without the extra {XXXX} for the SAME CHARGED OFF CREDIT CARD. 
With lower income, compounded by the unexpected loss of XXXX retirement accounts, they refused to renegotiate monthly payments. Instead they increased late fees despite insurance costs that doubled early this year. I made $ XXXX  monthly payments, excepting once for medical expenses and again after a XXXX XXXX XXXX weeks ago. 
After {$XXXX} spent on the {$XXXX} loan and {$XXXX0} card not to mention repairs they had the nerve to threaten repossession when I was XXXX days late. I told them I had already began bankruptcy proceedings and would seek outright ownership of the vehicle. Their response is no surprise. 
They lied to you XXXX years ago, then retaliated after my complaint was closed, I have records I wont reveal now, except the letter I sent an astounded XXXX XXXXfter XXXX closed my checking account and bounced my checks without notice last XXXX. XXXX assured, it XXXX lie again.
Consumer complaint received 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MN)

New evidence to reopen Fraud Claim XXXX XXXX XXXX dismissed my school loans with them. The court ruling applies to the current XXXX XXXX XXXX in every aspect of this situation. 

XX/XX/year> XXXX Ruling XXXX Previous Cases Filed Ombudsman Case XXXX Great Lakes Ref. No : XXXX XXXX
Consumer complaint received 2024-06-09
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. (AZ)

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Consumer complaint received 2024-05-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (TX)

These collections popped up on my radar in XXXX XXXX XXXX I have just recently dealt with identity theft back in XXXX. I have no recollection from these accounts. My family has a XXXX XXXX phone plan that I am apart of. I do not have my own XXXX XXXX  plan ever to make them try to take money from me. These collection accounts might have been picked up by these agencies to try to get money from me that I have never owed. They have attempted multiple times to call me and get money from me. I am sick of dealing with the leftover scars from my identity theft in the past. I'm a United States XXXX member and have been struggling with these collection agencies trying to collect money that I have never owed. Please help me and get them to quit asking me to pay these accounts.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX has false, unverified missed payments on my credit report that's dated XX/XX/2018 AND XX/XX/2018 that I am unaware of. I am requesting accuracy of these missed payments, and contract agreement, exc of this account that is due to me under the fair credit act, as I am entitled to me as an consumer. Please provide me with this information 15 days of receiving this complaint or delete this account from my credit report.
Consumer complaint received 2024-06-09
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. (AZ)

To Whom It May Concern : I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Consumer complaint received 2023-05-03
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

On XX/XX/2023 PNC was notified that XXXX has pulled out of the state of Florida for home owners insurance. Despite them receiving a new policy to pay that I signed, they still paid XXXX a premium, for a policy I would have never had. They received a quote from XXXX insurance and paid that premium without my authorization. Then the insurance that I signed up for, they decided to pay them twice. All by the time it was XXXX. I received the check from XXXX and deposited it back into my PNC escrow account on XX/XX/XXXX, but they said it will not hit my account until XXXX. I found out about the additional payment to XXXX XXXX on XX/XX/2023. I had to speak to two people in the insurance department before someone would finally put a stop payment on the check since XXXX XXXX already cashed the first one and had not received it yet. That also will not hit my escrow account until XX/XX/XXXX. They have done absolutely nothing to fix this and put the entire responsibility on the consumerme. They then reported this to the Credit Bureau saying that I took money out on my home changing my total balance with them. Over {$13000.00} of a difference on the balance I owe on my home. This has dropped my credit score. I have to wait until XX/XX/XXXX to then have to call them, ask them to re-evaluate my escrow account. Once I do that, I then have to call the mortgage department for them to call the credit bureau and explain what happened to they can edit my credit score. PNC has made numerous payments on my behalf without my authorization. They were never going to fix this without me finding it. They were not authorized to change my balance. Then they wrongly charged me additionally for hazard insurance until I had to make them look at my insurance policy to find I did have hazard. At that time they had THREE policys on my account and still said I didnt have hazard insurance. PNC customer service is pointless. Their departments are pointless. They make massive mistakes and require their customers to do all the work for them to fix it.
Consumer complaint received 2024-05-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (MO)

To whom it may concern, 1.RADIUS GLOBAL SOLUTIONShas not provided validation information for the collection on my consumer report, 12 CFR 1006.34 ( b ) ( 5 ). 2.RADIUS GLOBAL SOLUTIONShas not given me the opportunity to dispute this account. If you believe you gave me proper notification- please send me the certified receipt with my signature, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. This is a violation of my consumer rights byRADIUS GLOBAL SOLUTIONS, including the use of false, misleading, and deceptive means. 4. According to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) RADIUS GLOBAL SOLUTIONSis in clear violation of the law by furnishing accounts to my credit report without providing required disclosures. I am disputing owing any and all debts toRADIUS GLOBAL SOLUTIONS, I XXXX XXXX is also revoking all rights of XXXX XXXX XXXX from communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement between, I XXXX XXXX is also revoking all rights ofRADIUS GLOBAL SOLUTIONSfrom communicating with me through email, text or calls. I am requesting debt validation. I am also requesting the purchase agreement betweenRADIUS GLOBAL SOLUTIONSand the original creditor. I am also requesting that they furnish proof that they are licensed and bonded in the state of MO.
Consumer complaint received 2024-04-24
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (IA)

EXPERIAN has a debt listed on my name THAT IS NOT MINE. I disputed the " negative '' report that is not mine. XXXX weeks of investigation by Experian resulted in absolutely nothing. As if I never disputed this XXXX XXXX XXXX  {$3500.00} collection of a XXXX XXXX that I never ever received. For one, MY CREDIT SCORE IS TO LOW FOR ANY LOAN COMPANY TO APPROVE A LOAN. I HAVE NOT BEEN ABLE TO GET CREDIT FROM ANYONE SINCE XXXX.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-24
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: EQUIFAX, INC. (MA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXX XXXX  I moved to XXXX in XXXX and we do not have XXXX XXXX out hear.
Consumer complaint received 2024-04-24
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 lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-24
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 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 Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (TX)

I received a refund from my school on XX/XX/22. 
Venmo has locked and restricted my account everyday since to the extent I have only been able to access my money 2 or 3 times. I have told them repeatedly that all I wanted was the ability to transfer my money out of their bank. So now Im only able to score my balance and put money in.