davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-03
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. (MI)

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) COLLECTIONS- 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3 LATE PAYMENTS. 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to FAIR CREDIT REPORTING ACT, XXXX, XXXX, & Transunion are violating my rights. 

15 USC 1681 sect 602 ( a ) privacy rights 15 USC 1681 ( a ) fairness and accuracy
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

On XX/XX/XXXX I received a text from Citibank questioning authorization on a transaction. I thought it was a phishing scam and ignored it. I later checked my email and saw they emailed me too about an unauthorized purchase for {$1000.00}. I called them immediately to let them know it was not me. They told the purchase was approved but a second purchase for a higher amount was declined. I answered all their questions. I thought I had my citibank card but when I checked my pocket book it was gone. I didn't realize this until I was on the phone with them. My kids are authorized users and we were all together when this incident occured so I know they did not use the card. From speaking to the Fraud Dept, this purchase was made in XXXX Maine. We live in XXXX, NY and were in XXXX when this happened. I did not make this purchase, my XXXX sons who are authorized users did not make this purchase. It was done without my consent and authorization from someone who has my card. I am a victim of fraud and identify theft. I explained this to Citibank multiple times as I am disputing this fradulant charge and they are holding me responsible to pay back {$1000.00}. This is a matter of fraud. I am the victim and I should not have to pay for something I did not authorized. I was not even in the state where the purchase was made. I have been very compliant with Citibank answering all there questions. Today I get a letter that the case been closed and I am responsible for the charges. This is not right. I am a victim of fraud and identifty theft and I have to pay it back. This case was not been handled well. I want to be released of these fraudulent charges.
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

I made CFPB complaint against Ally bank that they cant ' do a stop check payment even after collecting {$15.00} fees from me. It was done few weeks back. 
as part of retaliation, Ally bank sent me a letter that they are going to close my bank account. 

Please investigate this and take strict action against Ally bank who's actions are nothing but retaliation. 

When asked Ally bank - what is the specific reason for this letter and intention to close my account- they are not providing it.
Consumer complaint received 2015-10-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ARBOR MORTGAGE (NY)

Me and my wife ( a/k/a ) XXXX submitted an application for the refinance of our apartment building to Arbor XXXX Mortgage, XXXX XXXX Arbor XXXX in XXXX for an FHA loan ( which was discontinued, for some reason ) and then again we submitted another application for a XXXX loan on XXXX with Arbor. We had submitted a {$25000.00}. deposit with the application. After six XXXX 6 XXXX months time had passed, on the XXXX application, Arbor sent us a letter dated XXXX/XXXX/XXXX which was received by us, 31 days later on XXXX/XXXX/XXXX which turned us down. Later, Arbor told me that the reason was that the apartments were too small XXXX. Arbor knew the sizes of all the apartments back in XXXX XXXX when we sent Arbor a rent roll which depicted other information and the sizes of all the apartments and again in XXXX XXXX, which again, depicted all the apartment sizes. In spite of the above, Arbor ordered an appraisal for {$6000.00}. and an environmental report for {$4800.00}. on XXXX/XXXX/XXXX ( To this day we have never seen a copy of either report XXXX My problem is that they feel that they are entitled to keep {$13000.00} and only refund us {$11000.00}. I sent a letters to XXXX XXXX, CEO of Arbor, on XXXX/XXXX/XXXX and I never received a reply. Upon information and belief, XXXX XXXX, of Arbor, and the XXXX underwriter XXXX XXXX XXXX knew the above information, full well, in XXXX and XXXX. Please note that XXXX XXXX XXXX never signed the contract ( or agreement ). It was left blank. I feel that Arbor should refund all of my {$25000.00} plus interest @ 9 %. 
fact that Abor never signed
Consumer complaint received 2023-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MA)

Hi, I have a mortgage with Rocket Mortgage, and for the month of XXXX, my XXXX payment made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Prior to it bouncing, I put the account in COVID forbearance because I knew it was going to bounce. ( XX/XX/2022 ) The forbearance was approved, the payment did bounce in the approved forbearance time period, I generated the capital to pay XXXX and XXXX. 

I scheduled that payment on XX/XX/XXXX for 2 months and informed Rocket Mortgage to close out the forbearance because I was making the payments. 

The Rocket Mortgage person said, and please verify this on the phone records, " if these XXXX payments don't go through, we will record a late payment. '' I said no problem at all. 

Since, I closed on a HELOC, and in XXXX, Rocket Mortgage decided to make the XXXX payment late causing adverse credit decisions. 

I have all documents recording these conversations and Rocket Mortgage has the phone call recordings. 

I wish the CFPB will look into this matter and review all evidence I am presenting here.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX, and Transunion data breach.
Consumer complaint received 2023-08-28
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. (TX)

I am a victim of XXXX XXXX XXXX XXXX XXXX XXXX. I consulted with an advocacy group who helped me submit this information. How is it that one of the accounts came back verified if this XXXX XXXX  information was supposed to be confidential?
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

I went on Experian for my credit score. Without my knowledge or consent they charged me for Experian CreditWorks Premium. I never even got an email confirming this. 
The only way I knew about it was from a charge to my bank, through XXXX. I have contacted both XXXX and Experian, was told I would be getting a refund. I have not received a refund from Experian, and the refund that XXXX gave me they took back, saying Experian has already refunded through my Credit Card on file, they did not have a CC on file. I can not reach anyone by phone at Experian, yet the email requests I have sent are returned with " We already refunded it ''. Which they have not, I have checked my bank account several times, running a search. I would love if you could help me with this dilemma. 
Thank you, XXXX XXXX
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (LA)

The Radius Global Solutions Company has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from XXXX XXXX. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.
Consumer complaint received 2023-06-14
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. (GA)

As of XX/XX/, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to Transunion, XXXX, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.
Consumer complaint received 2024-04-24
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

Currently on +1-hour automated hold with XXXX. Have been trying to reach a person on the phone for weeks to no avail. It is not immediately evident how to do a loan payoff on the site. 

On XX/XX/23 I was able to get an automated message that I have until XX/XX/23 to do a payoff of the full amount, however no instruction was given on how to do that. It is XX/XX/23 & they have been accruing interest on my loan since XX/XX/23. This seems like intentional negligence to drive up interest for profit.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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. (MA)

( Account # XXXX ), was charged off on the ( XXXXXXXX XXXX ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (FL)

RGS Financial in care of XXXX XXXX, is constantly harassing me about a complaint from me to CFPB about XXXX Financial.After your investigation into XXXX, I contacted them to resolve the issue.They said that they had written this Car off.Because I was calling to get the amount what I owed to pay off They said it was written off as a lost.I told them to come and get the car, they said they didn't want it I parked the car for months they never came and got it.Because the car was never any good and they had lost money to the car dealer and so did I.Now they send RGS to harass me.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-12-16
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: Nelnet, Inc. (WA)

In 2015 I started paying back my student loan with department of education, special program so they stop talking my taxe returns and paid it all in full through the department education payment program!. Now there is three loans instead of one with Nelnet company that calls them selfs the handles of student loans!. I told them they are full of XXXX all of my student loan is all paid and done!. Thats what I was told by the department of education!. That my loan was all done through their payment program!. Which may be a scam like everything else out there that is scamming people out of money!. They are saying my {$900.00} balance is now XXXX and counting and its split up in to three pieces!.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Hi Sir or Madam, I opened a business checking in-office with Citizens Bank . When I opened the account on XX/XX/2023, I showed the banker the promotional details that I attached below as I could not open the account online. The banker told me that the promotion was valid and would open my account in-office with the promotion attached. However, I still have not received the bonus despite depositing the {$5000.00} within the timeframe given.
Consumer complaint received 2023-04-27
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. (CA)

XXXX  Acct # XXXX After disputing this account, it came back as verified and accurate. I was not sent the results of their validation. How is a collection account reporting a status of OPEN with one bureau and not the other. One Bureau deleted the account and the other two verified it as accurate. I demand the validation they received that is allowing them to report this inaccurate information. Also, I have attached the ORIGINAL letter FROM THE ORIGINAL CREDITOR that the account was approved to be covered by medical insurance. So please immediately show me the original proof of validation that was received and also DELETE THIS ACCOUNT IMMEDIATELY for INACCURATE REPORTING.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

I have been actively trying to communciate with Aidvantage for more than a month at this point through the following : -- the email address listed in the 'contact us ' on the website -- telephone -- the live chat feature on the website So far, I have gotten only XXXX email response ( I sent XXXX very specific emails asking for followup ), have been hung up on, have been on hold for a combined several hours, and am currently waiting for an agent on the chat function ... it's been XXXX minutes and still no agent to chat with. 

The hours for all these are also so unhelpful for anyone with regular job hours -- I have to take time off work to try and reach someone, and then can not. Even the chat function shuts down every day well before the published hours are over.
Consumer complaint received 2024-04-24
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. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

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