davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2019-07-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (OH)

I have a loan that originally cost {$6500.00}. My mother was convinced to pursue this loan. At the time I was XXXX years old and just trusted her. She signed a variable rate loan. To this day I have paid {$3900.00} in interest and XXXX in principal. I have attempted to reach an agreement and give them a lump sum. The companies response is simply that you cant negotiate your loan terms. I still owe XXXX because they raise the rate every quarter and I end up owing more than when I did in XX/XX/XXXX and it is not XX/XX/XXXX of the following year. If this is legal than I'm going to change careers and start taking advantage of kids in college and get them to sign loans under terrible terms.
Consumer complaint received 2019-07-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Was advertised to open a bank of America checking account for a {$300.00} bonus. Requirement was to *Open the Bank of America Advantage account before XX/XX/2019 ( OPENED XX/XX/2019 ) *within 90days, receive direct deposit of {$4000.00} + Bonus will be given within 60 days after meeting the requirement. 
( I have met the criteria as of XX/XX/2019 ) I called Bank of America on XX/XX/2019 and was told that they have to escalate this issue and will take another 30days. I was advertised 60 days, not 90. They also stated they will mail me the bonus 'If ' they can resolve this. How ever I will be on a XXXX XXXX since I serve in the XXXX XXXX. 
My complaint is I was falsely advertised and was not given the bonus as advertised within the amount of time they stated and still have not received what Bank of America has promised
Consumer complaint received 2024-06-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, XXXX XXXX XXXX ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, XXXX XXXX XXXX "
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (NJ)

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 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 ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> EQ 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

I saw an ad on XXXX XXXX for a sale I clicked on the link it took me to website. I picked XXXX bags. Filled out all my information & made the purchase. I never recieved an email with tracking information or the items/products. I contact chime my card company & started the dispute process. I was denined without any reason or documentation of the investigation. As I had called & requested. I was out of the money for the items/products & I have still never recieved any items/products.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (PA)

Purchased collectors coins with a face value of {$2.00} ( less than  {$12.00} melt value ) for {$35.00} on XXXX through XXXX with my fidelity visa card. 

Received bill from credit card company for amount charged plus {$10.00} cash advance fee and {$2.00} minimum interest. 

I was told by the CSR that I can not remove cash advance from my card. 

{$12.00} was removed from my card, but I was told this was being done as a courtesy. 

My card is paid in full at the end of every billing cycle. 

The next month I was charged another {$2.00} minimum interest charge for the " cash equivalent charge. 

They refused to reverse. They have refused to acknowledge my demand that they cancel my card. And refused to send me my final bill by mail. They offered no option for me to substantiate my claim that the classification as cash equivalent was invalid. 

I have 20 years of buying collectors coins in this manner with credit cards. I was not advised of a policy change, and given no way to prevent unauthorized cash advances from being charged against my credit card.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Regarding Unauthorized Re-insertion of Debt on Credit Report To Whom It May Concern, I am writing to formally dispute the unauthorized re-insertion of a debt on my credit report. I have already disputed this debt, and it was previously removed. The recent reappearance of this debt on my credit report without proper validation and notification is a violation of my consumer rights. 
I request that the Consumer Financial Protection Bureau investigate this matter, as the actions of the collection agency may be in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking the following regulations and laws relevant to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the necessary information about this debt, including my right to dispute it within 30 days. I request evidence that this information was supplied to me as required by this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification about the re-insertion of this debt or my rights to dispute it. This lack of notification violates this provision, which mandates clear communication of my rights. 
3. 12 CFR 1006.34 ( d ) : The collection agency appears to be using false, misleading, and deceptive means to re-insert this debt. Such practices are prohibited under this regulation, indicating a violation of my consumer rights. 
4. 15 USC 1681-S 2 ( 7 ) ( A ) : Reporting this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a violation of this statute. This law requires creditors to provide accurate and fair information to consumer reporting agencies, which has not been followed in this case. 
I request that you provide me with a detailed method of validation for the re-insertion of this debt. This includes : Proof of the process followed for validation. 
The names and contact information of individuals spoken to during the process. 
Copies of any emails sent regarding this matter. 
Certified mail receipts or other forms of documented communication. 
Without proper validation and notification, the re-insertion of this debt is both unlawful and unjustified. I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the legally mandated time frame and confirm receipt of this letter. 
Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting my complaint to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.
Consumer complaint received 2024-06-13
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. (NV)

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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

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.

has violated my rights. Or a list of inquiries : 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-07-05
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. (VA)

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 XXXX, 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 XXXX XXXX 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.
Consumer complaint received 2024-06-13
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: EQUIFAX, INC. (TX)

Please see the True bill attached for violation of accounts XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and delete from my credit report because you are reporting inconsistent information. You were sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation for reporting conflicting dates for the date last active and failing to notate that the account was in dispute. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will forward this information to my legal attorney.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I paid off my balance over the phone as I thought I had already paid it. I pay my bills in the entirety usually before I get the bill. I received a notice to pay and called because i was confused I had already paid it. It was 2 days after due date and the person said they would give me a 1 time courtesy for the late fee. I guess it never happened and received an alert through text 2 weeks ago that I owe {$140.00}. It is late fees upon late fees for the promised 1 time courtesy back in XXXX. They said they do not have the transcript of the phone call. And strange I only received notice now. 
My balance should be {$0.00}. It is some scam the company is using
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. 

Despite this, the same items remain on my credit reports with XXXX and Experian. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. 

This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information.
Consumer complaint received 2024-06-18
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. (LA)

The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  OPENED ON XXXX XXXX {$370.00} Account name : LOUISIANA XXXX XXXX OPENED ON XXXX XXXX {$820.00} has violated my rights. 

I looked at my XXXX 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or 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. 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 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.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I reached out to the loan company, XXXX on XXXX, and XX/XX/XXXX regarding a fraudulent account opened using my personal information. I have no affiliation with this account or the funds received. XXXX will not investigate or close this account and I am being held responsible to make payments. This account is now showing up on my credit report which is how I became aware of the fraud. I noticed the account on my credit report on XX/XX/XXXX and immediately emailed XXXX that night, and have followed up with phone calls on XX/XX/XXXX and XX/XX/XXXX. Please help.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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  BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 Sections 602 A States I have 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 instruction 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 items 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 information is inaccurate.