davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-14
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. (CA)

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.

I have several Hard inquiries as well as four closed derogatory accounts that I have no knowledge of and certainly did not authorize to be placed on my consumer report. I have filed a report with the FTC and I have sent letters to the " creditors '' directly and have had no response. I am filing a report with the CFPB for further assistance Hard Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for your assistance in helping me resolve this matter
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

Received Title company check # XXXX, dated XX/XX/XXXX, in the amount of {$7800.00}. I I Mailed the check, with a copy of our credit card statement to Comenity, XXXX XXXX XXXX, XXXX, TX XXXX, on XX/XX/XXXX. This is the address given to me when I called to ask where to send the check to. 
I sent all checks to pay off credit cards from the Title company, and all creditors had their checks passed through the bank by XX/XX/XXXX ... XXXX.EXCEPT COMENITY! XXXX XXXX never received the check back, nor did we receive the check back, therefore, Comenity received our check. Of course, each day, they were adding interest to our bill, stating that they never received the check!!! 
I called to complain, spoke to a lady XXXX... confirmation XXXX  XXXX. I was told to send a dispute letter, with another check, and send to Comenity Capitol, XXXX XXXX XXXX, XXXX, OHIO XXXX. 
I call XXXX XXXX, they had to STOP payment on check # XXXX, and issue another check # XXXX, which I received in 1 day. I mailed XX/XX/XXXX, and have Postal Service Tracking that Comenity received the check XX/XX/XXXX. 
I received a letter from Comenity XX/XX/XXXX, stating they never received my payment, not changing the interest added to my credit card, and closing the dispute I made. 
I called XXXX XXXX XXXX, and they said Comenity lied to you. The check was in their bank XX/XX/XXXX. They received the XXXX check XX/XX/XXXX, but never cashed until 10 days later, and still are saying they never received my payment!!! 
PLEASE HELP US!
Consumer complaint received 2024-02-14
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. (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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have been fighting the validity of said late payments on an account from XXXX XXXX- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; XXXX, XXXX, Transunion. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear Sir/Madam, I have been experiencing issues with Capital One credit card. The company does not honor its obligations and every time when I use this card ( mainly as a hotel refundable deposit ) company charges me always instead. I provide all the required info, record the conversation with hotel rep and finally open a claim but nothing helps. 

The most recent transaction happened a couple weeks ago ( refundable deposit was charged again by this company ). 

Also, this company opened another account ( I did not authorize and without my knowledge or consent ) on my behalf recently. 

I keep having issues with this bank and would like to part with them but it seems like they create such issues on purpose.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

I have zero knowledge of this debt. They are reporting on my credit report that I opened this debt in XX/XX/2022 and XXXX havent opened anything with XXXX XXXX in my life. I have received zero notification of the validity of this debt and it is not mine.
Consumer complaint received 2024-02-14
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. (TN)

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 and 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 2024-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I purchased an online ticket with XXXX in the amount of {$960.00} ( travel date was XX/XX/year> ) and paid by Payal, i have cancelled my flight 48 hours before and as per attached fare conditions, there will be a penalty of {$170.00} because i cancelled more than 24 hours before the travel date, so my refund should be = {$780.00} since then i am in a problem with both XXXX and PayPal, i have tried to contact XXXX asking about the refund ( by calls, emails and their refund online form ) and no answers by emails and no proper response by phone, all they said we are not responsible for refunds, and they dont have an answer for me So i have opened a claim with PayPal XXXX case # XXXX XXXX XXXX ID : XXXX ) and I provided all the documentation stated that i am entitled for refund in the amount of {$780.00}, their first response to my dispute that they are offering me {$700.00} as a resolution offered by XXXX, i replied that the amount is not correct, as per the documents i provided i am entitled for {$780.00} After this they denied my case, I called again to appeal the car and how come they offered me a less amount and when i refused it, they close it immediately Again they have reopened it and after few days, they refuse it for the second time Again for the third and last time, i called explaining everything again and asked to reopen the case again even if i will receive only {$700.00} which is not the correct amount but at least better than nothing, again and for the third time, they left me few days, then deny the case again I dont know what is going on, i asked them what Egyptair is replying to them so they close the case and they refused to tell me what is their answer Now XXXX is ripping me off and PayPal is helping them by closing my claim for 3 times I need investigation for what is going on between PayPal and XXXX, why are they refusing to give my money back although they accept it in the first place
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/ I requested Experian to investigate and remove incorrect information about student loans from my credit report. Its been 30 days since my request and Experian has not responded to my claim. I then sent a second dispute letter on XXXX  to request for Experian to remove information about student loans from my credit report. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (PA)

These two companies have shared inaccurate and unauthorized information to 3rd parties with no consent from the creditor which is very illegal, tarnishing the image and reputation of another without consent will harm other potential business relationships
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

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, XXXX, and Transunion data breach.
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I signed up for a Kay Jewelers credit card and was granted a promotional plan of 15 or 18 months of interested free. It was my understanding that after the promotional period was over, the APR or interest will begin to accumulate from the current balance but that was not the case. 

After the promotional period ended, I had a balance of {$110.00} left to pay. When i received my new statement, I was charged an interest amount of {$1900.00} meaning they charged interest for the whole promotional period which was not disclosed to me. I think this is a predatory practice, I do not mind getting charged interest for the current balance on the account.
Consumer complaint received 2024-02-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DISCOVER BANK (VA)

In an attempt to resolve a collection against me, I called the collection agency on XX/XX/year>. The man I spoke with collected information from me such as monthly bills, and income. My expenditures exceed my income and he repeatedly asked me why and how I survive with XXXX children in a very demeaning tone. He also twisted my words around multiple times and tried to made it seem like I had agreed to an amount to pay monthly and when I corrected him he said my phone was breaking up, but this happened three times. He went back to focusing on my expenditures exceeding my income and again implied that I was lying because I have XXXX kids I must provide for on a single income and he doesnt know how I make it. It made me feel very vulnerable and disrespected when he repeatedly asked how I care for my children. I feel this is very unprofessional and intrusive. I feel that he was not willing to coordinate a fair payment plan or resolution.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, To : Consumer Financial Protection Bureau, This letter is to inform you of my current situation with CitiBank. Since XXXX, I have held a CitiCard master card. I never missed a payment, not even during the pandemic. Some of my background information. I opened my private practice, and my mother died last year. During that time I reached out to Citibank to increase my credit limit to cover all of the expenses. I received a slight increase in my credit limit. Meanwhile I continue making monthly payments on time even though I had a card balance. Based on all 3 credit bureaus, my bills are paid on time and I have no delinquent accounts. 
In XX/XX/XXXX, I received an email from Citibank ( Customer Service po box XXXX XXXX XXXXXXXX XXXX XXXX XXXX  stating that based on information provided by XXXX, the company drastically reduced my credit from XXXX to ~ {$17000.00}. To add insult to injury, my credit rating with XXXX dropped from XXXX to XXXX. My credit usage went from XXXX to XXXX in less than 30 days. Moreover my credit rating from all three credit bureaus XXXX, XXXX and XXXX went down considerably. Please keep in mind that my credit ratings from all three credit bureaus were in the upper XXXX for the past XXXX. I called Citibank in XXXX and XXXX to complain about the change but without success. These are the reasons why I am now reaching to you, the Consumer Financial Protection Bureau for assistance. As you know, a drop of XXXX points in my credit score will put me in a bad light with prospective lenders, and other reputable companies that want to do business with me. It may even prevent me from obtaining grants or loans for my private practice. I am not asking for a handout ; rather I would like Citibank to reinstate my credit limit to {$24000.00} and to inform all the credit bureaus about it. I am surprised at the way Citibank is treating me, a long time business partner who continues to pay her bills on time. I sincerely hope that you, the Consumer Financial Protection Bureau, could assist me in this matter. 
Best regards,
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

My finanical profile states that I opened an account at Bank Of AMerica. I NEVER opened this account I was in XXXX at the time this was opened. I have tried to get this removed but i have had NO luck. I have been trying to open a checking and I cant due to this account on my background. I would like this removed so I can move forward with my business
Consumer complaint received 2024-02-09
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: GOLDEN 1 CREDIT UNION, THE (NV)

I am writing to file a formal complaint against Golden 1 Credit Union regarding their continuous inaccurate reporting of an account as a charge-off and closed to XXXX and XXXX, while failing to report this information to XXXX. On XX/XX/year> I sent Golden 1 Credit Union a letter disputing the following account The Golden 1 Credit Union- ( XXXX ). Despite multiple disputes and a complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX, Golden 1 Credit Union has failed to rectify this issue, thereby violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting of my account to only XXXX and XXXX violates FCRA 623 ( a ) ( 2 ), which requires creditors like Golden 1 Credit Union to provide accurate and complete information to all consumer reporting agencies. By selectively reporting this information to only XXXX of the XXXX major credit bureaus, Golden 1 Credit Union is in clear violation of this provision of the FCRA. 

This inaccurate reporting of my account as a charge-off and closed has had a significant negative impact on my credit standing and financial well-being. It has hindered my ability to access credit and financial opportunities, thereby impeding my financial stability.

I demand that the Consumer Financial Protection Bureau investigates this complaint and takes appropriate action to ensure that Golden 1 Credit Union complies with its obligations under the FCRA. Specifically, I request that Golden 1 Credit Union be required to correct the inaccurate reporting of my account to XXXX and provide me with a written explanation of the actions taken to address this issue within the required timeframe specified by law.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute and hold Golden 1 Credit Union accountable for its failure to comply with the FCRA.
Consumer complaint received 2024-02-09
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: First Technology Federal Credit Union (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Chase bankXXXX XXXX XXXX, there were ( XXXX ) {$20.00} transactions taken out of my account. I did not authorize. I found them on XX/XX/ and called the bank to report. They opened a case and temporarily put back the {$800.00}. Once they completed the investigation, they indicated I approved the ( XXXX ) transactions thru XXXX XXXX. I do not have, nor ever used XXXX XXXX. I am a XXXX XXXX and need to pay my bills. Eventually they reversed the credit and again took out the {$800.00} from my account. Chase bank will not protect my hard-earned money. I have been with them for about 40 years. 
I have reported this to the local police, I have contacted XXXX XXXX. No one can seem to help me. I have documentation for all of the activity during this process. Just today XXXXXXXX XXXX suggested I contact your agency as a last resort.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I have tried almost every month to pay my student loan payment and every time it gets 'returned ' and the interest continues to build on it. I was transferred from Great Lakes to Nelnet and did not have any issues before all of this was transferred. Every time I try to contact I get to put on hold for more than two hours at a time and they have lied saying my bank info is incorrect and that they tried to get the money. My account is now going to deffer because of these issues.