davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (CA)

This is XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. 

Here is the remaining account : XXXX  XXXX XXXX Balance : {$5800.00}
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

Credit Report XXXX XXXX XXXX of Bankruptcy XX/XX/2023 Bankruptcy Type XXXX XXXX Creditor Name Equifax I believe that this bankruptcy information is incorrect for the following reasons : it does not belong to you. I never filed a XXXX  XXXX bankruptcy in XXXX of XXXX  I request that you investigate this matter and remove the inaccurate bankruptcy information from my credit report as soon as possible. Please send me a written confirmation once the investigation is complete and the necessary corrections have been made to my credit file. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any further information or clarification.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity.

( c ) The term " consumer '' means an individual.

( d ) CONSUMER REPORT.

Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) ExcLsions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi. 

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's the law.
Consumer complaint received 2023-09-02
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: CITIBANK, N.A. (AZ)

I am a licenced XXXX, very careful about only using my own secure wifi and not clicking on or answering unknown calls or links, etc. Financial and account security is a priority in my life. I opened a Citibank XXXX XXXXXXXX XXXX XXXX approx 3 months ago. When I logged in to pay my bill on XX/XX/XXXX I noticed a {$7000.00} charge from XX/XX/XXXX that was not mine. It showed no vendor or time, only " XXXX XXXX XXXX XXXX XXXX de XXXX XXXX XXXX which according to XXXX is a payment processing service, XXXX. I have emailed them with no response. I received no communication from Citibank about this, no alerts, text, emails, or phone call regarding this unusually large charge. I contacted Citibank immediately on XX/XX/XXXX and filed a dispute on the fraudulent charge and subsequently XXXX follow up calls, the last XXXX to their dispute department at XXXX and the fraud dept at XXXX. On my last call XXXX, they asked me to help them find a phone # for the fraudulent charge, it was at this point that I became concerned that Citibank has no idea what it is doing in investigating fraud. I know the technology is available to scan my card while out in public, but that is not the reason for contacting you. Aside from Citibank 's poor level of service in regards to crediting the charge back ( they haven't yet ), the other reason for my contacting you today is that Citibank appears to have suffered a security breach and compromised my information, which they have denied. On XX/XX/XXXX I received a text requesting I call Citibank at XXXX, an email that looked completely like an email from Citibank, and an automated voicemail identifying as Citibank asking me to contact them to discuss my fraud dispute and listing my credit card #. I didn't click anything, and googled the # and it was not from Citibank. I then called Citibank directly and they verified that XXXX is not a valid number for them. How did my card #, personal email, and phone # get out?
Consumer complaint received 2024-04-22
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. (PA)

The company in which I disputed the accuracy of the reporting to the credit bureaus was not resolved they are still reporting inaccurate and inconsistent with the other reporting bureaus which violates my rights for fair reporting because it is inaccurate which I provided a copy of my report that shows all 3 bureaus reporting differently. To resolve this issue I want this deleted or I will move forward with a lawsuit because reporting inaccurate information is against the law according to 15usc1681i 15usc 1681s2 15usc 1681i5 15usc 1681eb Please delete these accounts expeditiously!
Consumer complaint received 2023-09-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc. (NY)

On XX/XX/XXXX XXXX, my M1 finance saving account has been hacked and {$63.00} XXXX are missing.When i contacted them, they did not seem very responsive nor helpful. I asked to talk to a supervisor and nobody was available.They sent me a form to fill and told me they will investigate.It has been more than 10 days and the funds have not been refunded.
Consumer complaint received 2024-04-22
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. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of 2022 Chase Bank closed my 3 accounts with no explanation. In doing so they had promised to send me my balances in the mail within 30 days. It is now 6months later I still do not know why my accounts were closed and I have not received my money back. Please note on the documents I am sending where it states " OTHER WITHDRAWALS '' is the balances they supposedly they were sending to me. XXXX ending XXXX {$210.00} XXXX ending XXXX {$190.00} XXXX ending XXXX {$350.00} total {$760.00}
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023 I went to the chase bank branch located at XXXX XXXX XXXX XXXX in XXXX, XXXX XXXXXXXX to deposit {$1100.00} into my checking account using the atm. I inserted the money into the depositing part of the atm when the slot began to open and close multiple times before closing and then not even counting the money I deposited. I then got an error message on the screen and and a receipt printed. I checked my account via my app and the {$1100.00} was never deposited. I brought in the receipt slip into the branch where the banker said she had to open a claim and I would have my deposit in exactly 2 hours. This process took 20 minutes and it is has now been 4 hours I still don't have my money. I called customer service and they said it could take 2 days so I requested to speak with manager due to receiving incorrect information who then was very rude and said it could take 10 days to get back and she said " I couldn't do anything about it because federal law is on chase ' side. '' This has never happened to me in my entire life and I want others to be aware of how Chase has treated me throughout this. They never once said sorry and I still don't have my money, it's being held and not returned to me. This feels criminal on Chase banks end.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AK)

I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NJ)

On Monday XX/XX/2023 I reached out to TD bank to inform them that someone has used my card in a fraudulent activity and informed them which transaction it was. The next day I wake up to both my business and my personal account are locked and I have no access to any of them. I called TD customer Service, they told me that I had to visit a branch. I went to a TD branch for 5 days in a row on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sat and waited to see someone for over an hour each visit and each visit no one helped me get an answer of why my accounts are being closed, all they kept telling me they dont have the reason why TD back office is closing my account, and my funds are being held, every time I called the fraud department they told me the same thing and told me they dont know why my accounts are closed and that I have to visit a branch to find out why, I keep going in circles with them, I need my funds released to me, its my money, I worked hard for that money and I have bills to pay, my personal should have at least {$1300.00} and my business account should have at least {$49000.00} Im tired of wasting hours at the bank fighting for my money. I was told on XX/XX/2023 that I can come in to the branch on XX/XX/2023 and close my accounts and they will give me my funds, I did what I was told and when I finally got to speak to the branch manager she tells me I cant close my account because the bank is holding my money. Every day its been a different excuse and Im getting tired of fighting to get my money, please I need help getting my money. Thank you
Consumer complaint received 2024-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MI)

My loan was transferred from Home Pointe and since then I am unable to successfully set up my account through app. It repeatedly tells me my loan was paid off and no loan is on file. I indicate I forgot password as an option but never receive a link or when I do, it indicates no loan on file. It directs me to the website to retrieve my tax statement. I am unable to login and retrieve it. This is completely unacceptable. Mr. Coopers website and customer service is poor and a complete inconvenience to their customers!
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my accounts in my credit report, and disputing several accounts for incorrect information, Transunion has now reported all my closed accounts, that were closed within the last XXXXyrs, as having been opened within the last XXXXmonths, up to a year.
Consumer complaint received 2024-04-18
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. (NY)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$710.00}
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-27
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)

XXXX XXXX XXXX XXXX XXXX XXXX has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return.

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) An applicable financial entity has discharged ( canceled or forgiven ) original debt amount. Gross income is not part of credit report and is to not be reported. Per IRS Publication 4681 : Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. If you abandon property that secures a debt for which you are personally liable ( recourse debt ) and the debt is canceled, you will realize ordinary income equal to the canceled debt. You must report this income on your tax return
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

I spoke to the assistant bank manager regarding depositing ERC checks that came to my company XXXX XXXX XXXX XXXX XXXX. I already had an account with PNC under the parent company XXXX XXXX XXXX XXXX. I had the paperwork with me to open a new account for XXXX XXXX XXXX, so I can deposit the IRS ERC checks. He spoke to his bank manager about depositing it in XXXX XXXX. The bank XXXX told me that since the check was made out to XXXX I can make the deposit, I did the deposit on XX/XX/XXXX and the funds was released on XX/XX/XXXX. My account was frozen on XX/XX/XXXX, and I was told that it was under review. After, many attempts to get answers I am still being told its still under review. I have supplied all the documents requested by PNC, and I still have not access to my funds, 20 business days and I am still waiting with no answers. My small business has shut down because I can not access my funds to pay salaries, insurance, rent, bills, etc. I have no idea how long this will take before I can get my funds. The landlord already sent an eviction notice for unpaid rent. 

Please help, I have to pay my employees Thank you for your help. 

Respectfully, XXXX XXXX
Consumer complaint received 2023-09-02
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. (SC)

I am requesting information on my delinquency or derogatory behavior. I want any potential negative information to be confirmed and would like to know the absolute truth and facts about it, even if it is certified. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX, " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.
Consumer complaint received 2024-04-17
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 2018-07-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

I was denied extended repayment option based on incorrect information. My loans were disbursed between XXXX through XXXX. Nelnet claimed wrongly in their communication to me that my loan was awarded prior to XXXX.
Consumer complaint received 2023-12-27
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. (AL)

I filed FTC Report because I found incorrect ssn number reporting on my credit report on all 3 credit bureaus and fraudulant items on my credit report as well. Nobody has yet to help me and get this removed.