davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2018, I had fallen behind on my loan payments. i finally was able to recover in XX/XX/2018 and become current on my loan. I have disputed with transition and XXXX XXXX XXXX multiple times as my credit score has not been updated since XX/XX/2018. I am current on my loan payments today, XX/XX/2018 however XXXX XXXX XXXX is reporting I am now 60-89 days late. I applied for a lease in XX/XX/2018 and was denied as the loan was reporting 60 days late. Thus, resulting in a major loss of income as this was a business lease. I have called several times asking for this issue to be resolved with XXXX XXXX brushing this off and telling me " They can not do anything and Ill have to wait until the system automatically updates. '' Well, it hasn't updated since XX/XX/2018 and we are now at XX/XX/2018. I have filed a complaint with Transunion who did not do a thorough investigation because had they, they would have found my loan current, and updated the information. 
I feel XXXX XXXX XXXX  is maliciously reporting erroneous information to discriminate against me as my loan had been past due in the past. I did tell them when pleading to update my loan status that I was unable to get a loan with the incorrect information on my credit report.
Consumer complaint received 2024-04-12
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)

I have sent several letters to Equifax. Starting with a request to validate this debt, I have sent cease and desist letters, as well as a request for the original contract with my signature. none have been received, and demand that they be removed from my credit report. They have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt, so I am here to get a resolution, meaning removal of this debt. 

I have sent a XXXX letter on XX/XX/2024 for XXXX XXXX in the amount of {$14000.00}, allowing them the XXXX of 30 days which is attached, and the account is still reporting.
Consumer complaint received 2018-09-08
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. (IL)

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ). 

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
Consumer complaint received 2023-04-24
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. (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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 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. 

XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Experian Report XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX  XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (FL)

we have a charter program and we are scheduled to fly XXXXXXXX XXXX XXXX. We send the deposit to them and they should revert us all documents needed for the flight. However until now do flight was confirmed and we have asked refund to them. The 2 entity don't send any refund to us until now and they can't even provide any proof of flight. 

We settled total amount of {>= $1,000,000} last XX/XX/XXXX. We want Full refund of the total amount from their account.
Consumer complaint received 2018-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have now tried several times to deposit checks from a checking account which has already been saved ( though not yet used ) from another account in my Bank of America account. They said that the account is verified ( evidenced through my Pay From Account page on Mobile Banking ), and yet the remove each and every check that I have tried to deposit. These checks have already been saved. I have written express and demanding letters to Bank of America financial centers in XXXX, OH, in XXXX, FL, and in XXXX, DE. I have not yet received adequate compensation and it is now well over a month, and Bank of America is in significant arrears to me. Their customer service is frustrating me to an endless degree.
Consumer complaint received 2023-05-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-11-14
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2018-09-08
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: EQUIFAX, INC. (NV)

Equifax has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-08
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: EQUIFAX, INC. (NV)

Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-09-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Bank of America won't loan me any money, even though I am a customer and have my SSDI check deposited directly into my Bank of America account, they won't loan me any money because I participate in The Social Security Disability Program. This also violates my rights under ADA. I need a vehicle and have the funds in a payment strategy but they still discriminate against me. This puts a heavy strain on my legs. When I go for a car they put extra demands on me that they don't do to others. The vehicle has to be brand new and a certain model. Bank of America is being discriminatory and harmful towards a handicapped man and won't even loan money to a customer that deposits money in their Bank which they make money on in interest but because they say I'm poor they won't loan money to me! This is unfair and not right. 

- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico XXXX
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I went to the XXXXXXXX XXXX branch in XXXXXXXX XXXX to open a checking account and get the bonus offer. 

After providing my personal information online they required I go in person in a bank branch to finish opening my account. 

After arriving for my appointment and providing the offer from postcard I received in the mail. 

The XXXX bank employee made various claims not listed in the fine print about the offer. Such as the claim code is probably not going to work. Refused to agree to honor the code if it is no applicable. Refused to make any claims about the offer being valid at all. The employee claimed any remediation requires having an account open for 1 year first. 

After taking my personal information they saved it to their systems. 

It looks like a scam.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (PA)

i have tried challenging the 100 % accurate reporting of information being reported by XXXX, experian, and XXXX for an account that reads that the creditor is XXXX XXXX  various times ... ..each time they send letters saying that they are reporting accurate information... how is that so i am looking at my credit report as we speak and can see the inaccuracies... all 3 credit bureaus are violating my consumer rights so i am reaching out to you the cfpb for help .... 

this account is reporting 3 different dates of last payment XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX but if you look at XXXX  2 year history they are reporting XX/XX/XXXX as the date of last payment they are reporting XXXX  different dates of last active XXXX  is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX this company is reporting this as a charged off account but never send me a copy of a XXXX as required by law...
Consumer complaint received 2018-09-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

In XXXX, I took out a private student loan for {$10000.00} which is currently under the XXXX XXXX XXXX XXXX and another one for {$25000.00} which is currently under the Lender, XXXX XXXX  of PA. 

Today, my loan balance for the loan I took out in XXXX is {$11000.00} and the loan for XXXX is {$23000.00}. I have made monthly payments in the amount of {$120.00} and {$240.00} over a 12 year period. I noticed that my principle balance is not moving as I pay down my loans and there is no end in sight. Every year, it appears as if a new lender purchase my loans without keeping the proper paperwork. 

To date, I have paid a total of {$30000.00} on my private student loans and realized that I am currently being overcharged for private loans that are constantly being sold. This is a total scam, and I see no end insight. I am sick to my stomach because I have been paying on these loans without any end date for payoff. 

I would like a full investigation into all of the companies that have sold my private loans over the years and a full investigation into the amount that I've actually paid over a 10 year period. I have been taken advantage of and will be paying on these private loans for the rest of my life.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Was affected by covid lost job was originally told all Missed payments would go on to the of the loan. Then they required documentation that was never discussed this went on for over a year then my wife became ill and passed away. California relief will fund {$80000.00} and I need lender to accept difference from me and a statement showing past due under {$80000.00}.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (FL)

Opened US Bank XXXX checking account. Money was deposited from spouse into account. Tried to transfer money out of account to another of my business accounts ( XXXX XXXX ). US Bank responded by flagging the activity as fraudulent and closing the account without giving me any opportunity to verify the activity. 

I have reached out to the company several times since then ( been at least 60 days if not more since I was told the account was being closed ). Each time they tell me they're working on it and can not provide an estimated timeframe when I will receive my remaining balance. They are holding my money hostage.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (CA)

Consumer believes PNC Bank breached the terms of a personal checking account promotion : {$400.00} bonus to be posted within 60-90 days of qualifying activities. 

Consumer met the qualification criteria on XX/XX/. As of XX/XX/, the {$400.00} signup bonus as not posted. 

Relief sought : {$400.00}
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (TN)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX-unable to request a fraud alert with TransUnion XX/XX/XXXX-attempted to place a security freeze on my TransUnion report but I can not. I tried to create an account to do so but it says that I already have an account. I have not created an account with TransUnion and can not get through to them to get the issue resolved. I am afraid that someone has used the XXXX information ( my information was compromised ) to create an account on TransUnion. The security question was name of pet and none of the answers that I have used for prior pets is accurate. This leads me to believe that an unauthorized account was created. I was able to place a freeze on the XXXX  and XXXX reports. Thank you for your assistance.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX whose collection agency is XXXXXXXX XXXX is reporting a collection amount of a {$0.00} balance and was paid in full. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and Equifax respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-12-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I deposit a check under my uncles name to XXXX. We both have the same last name, and both of us sign the back of the check. We deposited the check not in the atm, but both in person with the teller, & it went through. The funds are in my account but are on hold to verify it. On XX/XX/XXXX, i received a notice saying my account is restricted and it would be closed if that check is not verified. The only way to verify it is through caller id. His phone number shows in the caller id, but dosent show on their system. XX/XX/2012, i keep calling to customer service, to remove the restriction and verify the check, and its the same story, that the caller id does not match.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

added an authorized user to my citi bank credit card in late XXXX or early XXXX, authorized user was my son, XXXX XXXX XXXX ; the authorized user account was fee-free. he never used the card. on XX/XX/XXXX, i was charged a new annual fee of {$590.00} for my card and an additional {$170.00} fee for the authorized user. i contacted citi today to request that the authorized user card be cancelled -- my son had never used the card. i also asked that the {$170.00} fee be cancelled for the same reasons -- and that because the authorized user card was being cancelled the {$170.00} fee ( for the forthcoming year ) should be cancelled. 

to my astonished surprise, i was told the fee could not be refunded or cancelled! this is comparable to my being charged for a pair of shoes that i had not received and in fact had cancelled the order for those shoes, which never had been worn -- but citi saying I must pay for the shoes! 

Was told that while there was no charge for the authorized user fee last year, there is a {$170.00} fee for such a card this year -- effective, in my case, on XXXX XXXX, I talked with citi this morning after doing an on-line chat and was told that's the policy. also was " offered '' to switch cards from the $ XXXX {$170.00} card I have now to a {$99.00} annual fee card, with some unspecified portion of the {$770.00} i've been charged prorated to the " new '' card. that makes no sense. citi also told me I was notified of this change in a ten-page letter sent to me on XX/XX/XXXX, XXXX i asked for a duplicate copy. citi repsenative said she would email a copy to me. seems to me that such a major change in fees and charges should not be hidden in a XXXX mass mailing