davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

Girlfriend and Grandparents debit cards were linked to my account ( with their permission ). Chime saw it as suspicious activity and they closed/locked my checking account even though Ive sent all documents theyve requested showing that the activity was authorized. Ive been trying to retrieve my money for almost 3 weeks and they keep asking for the same documents and continue telling me they cant resolve the issue. I have no access to my funds.
Consumer complaint received 2023-11-22
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (NM)

My debit card expired on XX/XX/XXXX of this year. I contacted Direct Express customer service on the XXXX of XXXX. At this time I was informed that a card had been mailed on the XXXX of XXXX. On XX/XX/XXXX, still without a card, I contacted customer service once again. During this call I was issued a second card. On the XXXX of XXXX I contacted customer service yet again. This time wanting to transfer fund to an account I am actually able to access. I was told this can not be done without a card and that the replacement card for the one that expired on the XXXX of XXXX technically isn't late yet as it hasn't been XXXX business days since it was order. 
So, through no fault on my part, I have been unable to access any funds in my Direct Express for the past 22 days and all the customer service people could do for me was to tell me that my replacement card isn't late yet because it hasn't been XXXX business days. 

How is this acceptable? Why is it that Direct Express is allowed to continue to work with the federal government when they have such disregard for the people that are their customers?
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I woke up to find out that my paypal account had been permanently limited with no valid reason as to why this happened in the first place. I only truly started using my account more towards the middle of XXXX and had no issues until 2 months ago. 

I would use my account for things such as payments towards subscription services, the purchasing of video games, or even commissioning artists for my own personal passion projects. But one day without warning my account is permanently limited, barring me from the one service that everyone else can use without any issue, making my business related transactions much harder to complete on my own now.
Consumer complaint received 2023-07-15
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. (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.

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 inructions 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 2023-09-07
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)

In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

U.S.C. 1681A States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

Barclay Wyndham Visa Card - company clearly states on their statements the total to be paid monthly to avoid interest charges, you pay it, then they still charge interest - I have had to call repeatedly to get these erroneous interest charges reversed, always pointing out to them their own documentation outlining what is to be paid to avoid interest, which I pay monthly- this is time consuming & I am sure most people don't bother for that reason, but it is the principle of this practice. I have spent numerous hours on the phone with them as this happens every couple of months and in spite of me asking them to resolve the issue ( the charging in the first place ), it continues to go unresolved ( although they do always reverse the interest once I call and wait on hold, etc. ). 

Interest erroneously charged on XX/XX/23, XX/XX/23 most recently this year, in spite of their page XXXX of prior month statement stating amount to pay to avoid interest, which I paid in both cases. XXXX, XXXX, XXXX & XXXX statements attached for your review where you can see this.
Consumer complaint received 2017-05-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION (AR)

After hearing many good things about Penfed, I decided to join around XX/XX/XXXX. I am in the process of repairing my credit, so I thought it would be a good idea to establish a relationship with a creditable credit union. Upon joining, I applied for a few of their products and I was denied. XX/XX/XXXX, I had some more updates to my credit report and score so I decided to apply for an auto loan. It was denied as well. On XX/XX/XXXX, I sent a request for a reconsideration. Knowing that Penfed uses the same credit report for 90 days, I asked that they pull a new report. I also included an explanation of the credit issues. On XX/XX/XXXX, I received a response from XXXX XXXX, a Loan Processor, acknowledging that my information was received. On XX/XX/XXXX, I also received a request from XXXX XXXX, saying that in order to process my request a freeze would need to removed from one of my credit reports. She said to fax, email, or email them the PIN for access to the credit report or let them know when it was removed. I contacted the credit bureau and paid the fee to remove the freeze. I then emailed Penfed to let them know that the freeze was removed on XX/XX/XXXX. On XX/XX/XXXX, I received a response from XXXX XXXX, loan processor, stating that the information had been received. On I believe XX/XX/XXXX, I logged in to see that the reconsideration was denied. Mind you that I get alerts for all score and inquiry changes, so I am aware when things update. There was no additional pull from Penfed, only the one that was pulled when I joined. I sent a message addressed to a manager on XX/XX/XXXX, asking why the new report was not used and as requested. I also inquired about credit criteria for small bill consolidation loan. I received a response from XXXX XXXX, loan analyst, indicating that my credit does not fall within their lending guideline. I fully understand that and I will continue working on my credit. What I do not understand is why they would say they would pull an updated report, had me pay to remove the freeze from the report, and they never pulled a new one or never acknowledged that they employees failed to do as requested. I have since asked them to close my account. I hoped to build a long relationship with them, but I they do not follow through with what they say they will do. I will continue rebuilding my credit and try for an auto loan again with a company a different credit union in a year or so.
Consumer complaint received 2023-06-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I have been disputing this debt almost close to a year with all XXXX bureaus. XXXX to be exact had officially deleted this debt collector XXXX since XXXX of this year. As of XX/XX/XXXX both XXXX and XXXX have added this old and charged off debt with XXXX XXXX XXXX back on my credit report. I have submitted letters to both companies requesting proper validation and proof of the charge off and to no avail my request have been respected and or even honored. I am vehemently making my complaint for improper reporting on both XXXX, XXXX, and Resurgent ( who as of recently has mailed me correspondence on the same inaccurate debt ) I have enclosed XXXX of my many letters dated back XX/XX/2023, proof of it just being added back to my credit report without proper investigation from XXXX.
Consumer complaint received 2023-07-15
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. (TX)

I receive a letter about my student loan being suspended, the credit bureaus XXXX, XXXX, Trans Union, will not remove this from my credit report and will not verify the letter I sent them all the letters also
Consumer complaint received 2023-07-15
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. (AR)

On XX/XX/2023, sent and dispute letter containing several inquiries that were requested from a third party without my permission after car shopping. It has been over 60 days and I've yet to have received a response from Transunion regarding my dispute. Since these inquiries were ran without my permission or prior consent then they should be removed from my credit report expeditiously in addition to Transunion not responding to my dispute within 30 days in accordance with the Fair Credit Reporting Act.
Consumer complaint received 2023-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TRANSUNION - you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NY)

I have been trying to get Hyundai Motor Finance to complete a state title transfer from XXXX to XXXX  since XXXX. When I originally called in, they had me create a state title transfer request on their website. While the site said 6 to 8 weeks, I grew increasingly concerned, as my request continued to sit in the first state of review. 

When I called in XXXX, the representative told me the request I sent had actually got deleted and was never processed. They also told me I would have to start the process over on my end and submit a new request, which I couldn't do, as the original request was still visible on the site and there was no option to create an additional one. 

I call back again in XXXX. This time, I was told that they had actually sent me title out two weeks prior, and I should have received it. I hadn't though, so they said they would ship out a new one. 

I call back in XXXX. This time, I'm told that the person in XXXX must have been mistaken, because the title gets shipped to the DMV and not me. They said they had yet to send it to the DMV but would do so immediately. I also asked at this point in time if they could possibly create an email thread showing the actions they had taken to resolve my transfer. The representative on the phone said they would, but I never received anything. 

I still don't have my title. I'm unable to register my car in my new state. My inspection has also lapsed from my old state, but I can't get that renewed as my license and insurance is from my new state. 

Hyundai Motor Finance 's representatives have lied to me throughout the process. I have no clue if my transfer has even been started. I also have no idea where it will be going to or how I would know if the process has been finished, as they've been unwilling to document any of our conversations or actions taken on their end.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (OH)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

Under the 15 U.S.C. section 6801 code the DEPT OF ED/ NELNET XXXX XXXX XXXX XXXX, XXXX XXXX have violated my rights. At no time did I give them rights to share my information with any third party company. Nor was I offered the opportunity to allow such. There are 8 accounts open dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are being shared unauthorized.
Consumer complaint received 2023-03-23
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)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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: Experian Information Solutions Inc. (SC)

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 about : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


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 I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX XXXXXXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX CHILD SUPPORT XXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, XXXX and Experian operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX Balance {$240.00}
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

{$15000.00} was deposited to Bank of America on XX/XX/XXXX and they ( understandably ) placed a hold on the amount. However, the funds cleared the originating bank on XX/XX/XXXX, and they refuse to release my deposit until XX/XX/XXXX, costing me interest in paying off my credit card bill while scamming interest from the money I deposited. Had I known, I could have XXXX the amount which would have been immediately available.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

Credit Agencies are showing that I have been years late with student loan payments from XXXX through XXXX. I have ALWAYS completed the necessary paperwork and have NEVER just " not paid ''. I filed bankruptcy in XXXX my discharge date was XX/XX/XXXX. During that time documentation was submitted to all creditors including student loan servicers. Attached is communication with US department of education/loan servicers documenting I continued doing what I was supposed to do and should NOT have been in repayment. ( separate issue of complying with federal discharge ). Originally is was never showing " late '' or " past due ''. I was informed of " default '' status when I went back to school in XXXX which prompted the attached correspondence because I could not get financial aid. It was not showing on my credit report just in the fafsa system. I informed them of the bankruptcy and results ( also attached ) so the discussing of late was reportedly resolved but they would not discharge it. ( separate issue and not the primary complaint here ). I was able to dispute and correct dates from most of XXXX through today ( thanks to Covid and being enrolled in school ) but it still showing XXXX through XXXX as being late which originally was not showing as recently as XXXX XXXX. It has been disputed several times and is now effecting me significantly.