davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica (NC)

When I was in North Carolina on   XXXX   XXXX   , 2017, I   no ticed my checking account at Comerica Bank had insufficient funds. I located the card with the bank routing number and the full account number because that information was NOT on the documentation the bank sent me. I called customer service on Friday,   XXXX   XXXX   , 2017 to as k about wiring funds into the account. I was told my account had already been closed and the only way to resolve the matter was to send a check. Within two hours I wrote a letter, copied it, and mailed a check for {$160.00} to the  XXXX   ( Texas ) o f Comerica Bank. On Friday,   XXXX   XXXX   , 2017 I re ceived a letter from  XXXX   XXXX   XXXX     XXXX   XXXX  attempting to collect a debt I had already settled and indicating the amount had been reported to  XXXX . My account was open for nearly  25 years before it was closed eleven days before I called to make an electronic funds transfer into the account. C omerica Bank acted in bad faith by refusing to allow me to execute a wire transfer, demanding a check, AND submitting my matter to a collections agency on the SAME day. If the only option for settling the matter is for the customer to send a check, then ample time must be allowed for the check to actually be received before the matter is submitted to a collection agency. I have disputed the charge with the collection agency and written multiple entities of Comerica Bank to communicate my view that the bank 's business practices are unacceptable. I am contacting this federal agency because my husband had a similar experience with a Comerica account he held in Michigan for many years. It is not an accident that a couple married for nearly  26  years would have peculiar experiences with branches of the same bank opened in states as distant as Texas and Michigan. I respectfully request exploration of Comerica Bank 's business practices because they are not clean.
Consumer complaint received 2023-11-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

I am writing to file a formal complaint against Home Depot Credit/Store Card via Citi Financial regarding persistent and intrusive phone calls and unauthorized transactions on my account. The details of the complaint are as follows : Harassment through Multiple Phone Calls : Over the past month ( XXXX XXXX ), I have been subjected to relentless harassment by Citi Financial through multiple phone calls daily, at various time frames, XXXX days a week. It is essential to note that I have never provided my new phone number to Citi Financial, and despite my repeated requests for them to cease these constant phone calls, they have continued unabated.

Unauthorized Transactions : Furthermore, I recently discovered that Citi Financial has been deducting funds from my account since XXXX of XXXX  in varying amounts without my explicit permission. This has occurred even after the closure of the account in question and removal of payment sources from their website. I have reached out to Citi Financial via written correspondence, questioning the basis for these transactions and seeking an explanation for their actions. However, I have received no response from the company regarding the unauthorized withdrawals. 

I am deeply concerned about the impact of these intrusive and unauthorized actions on my financial well-being. The constant harassment and unauthorized transactions have caused significant distress, and I believe that Citi Financials ' conduct is not only unethical but also potentially illegal.

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Citi Financial to halt the harassment and ensure the restitution of funds wrongfully taken from my account.
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: EQUIFAX, INC. (CO)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-15
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. (CA)

My account with XXXX XXXX XXXX XXXX has been charged off yet they continue to report both the charge off and late payment every month. I'm being penalized 2x for the same account. I checked my on line account with XXXX and they have a monthly payment due each month, yet there has been no agreement after the charge off. I've contacted TransUnion and XXXX. TransUnion advised I call XXXX directly on XX/XX/. On XX/XX/XXXX  I called XXXX in which they transferred me from several departments to redirect me back to the credit bureaus. 

I'm trying to get clarification on the how the information is being reported but no one is able to answer.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (FL)

And according to 15 usc 1681a ( 2 ) ( 1 ) late payments are illegal according to this law and under exclusions. Charge off is considered to be written off as a loss and considered when filing taxes as to be taxable income and should not be used and against the law to use in credit reporting and I have tried to fix this with the XXXX  and with CFPB as well and they still have not corrected my report. And past reporting to credit. The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

With that being said you cant report a charge off and current late payments on a credit report and this is clearly a violation of fair credit reporting. Thats like double damage to credit reporting on me in all credit agencies. I have been disputing this same is time and time again and this is causing a hassles for something that should be deleted because it violates the law of credit reporting by all agencies. And reporting a past due amount on an account that is charged off as well.
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  XXXX Account # XXXX Has Violated My Rights.

15 U.S.C 1681 Section 602A States I have the right to Privacy, 15 U.S.C 1681 Section 604A Section 2 : It also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-06
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: Experian Information Solutions Inc. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company   XXXX   times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by Experian and   XXXX   because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Consumer complaint received 2023-11-24
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: KEYCORP ()

Sir on XX/XX/XXXX  my daughter met with an accident due to which I was facing a lot of difficulties and due to this I could not access these documents. 
Now, from what I have seen, the last way was to seek guidance from you. I hope you will guide me.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. ()

Since XX/XX/XXXX, Navient claimed that it was not possible to defer the loan because the U.S. Department of Education did not allow it. It is just no longer possible to take out federal student loans for enrollment at the deferment-only foreign university. It does not mean that the loan can not be deferred. 

In XX/XX/XXXX/XX/XX/XXXX, Sallie Mae Bank had exclusive rights to issue Federal loans to XXXX students. Sallie Mae Bank cheated the system and refused to issue XXXX XXXX   but private loans only, when XXXX was still eligible for XXXX XXXX. Navient is now the servicer for this loan. 

Last week, I sent complaints to Office of Inspector General ( ref # XXXX ) and FSA Feedback System. The XXXX said that the students that stayed at XXXX to finish the education can still get deferral. FSA Feedback System also advised that CFPB should directly handle the case. Navient must not be allowed to keep on closing a CFPB complaint by just sending in a response without taking action to solve the problem.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

XXXX  XX/XX/XXXX my Credit karma account was hacked. I received a call from credit karma advising someone was trying to apply for a XXXXXXXX XXXX XXXX XXXX and to verify if I approved it. I advised I did not approve and they advised they would send a code to my phone to enter. I entered the code they sent and they advised that it was incorrect and the call ended on their behalf. About XXXX minutes later I received emails stating that my password, email address and phone number was changed and to contact them if I approved these changes, I called the company and told them I didn't approve this. I tried to update my information from my app, but I couldn't. I got onto a desk top and the user name that my account was changed to came up when I pulled up credit karma on my desktop. I don't know if this is because I have my setting set to remember user name. I was able to get back into my account logging in with the last XXXX of social and the email that it was changed too. I get into my account and there is an international charge of XXXX to a company named XXXX. I XXXX  XXXX and they are in XXXX, I also tried to contact XXXX, but due to that I don't have international calling my call attempt was unsuccessful. I advised credit karma of what was going on and advised them I was also able to gain access back to my account again, but the charge needed to be disputed. We disputed the charge, 2 days later my account was frozen. I received my direct deposit and can't access it or transfer it to my other linked account. Right now I have bills that are late because I can't get to my money, I am racking up late fees and I have contacted this company over XXXX times and still no help. I received and email 2 days ago asking for my ID and a selfie of me and I still have not gotten any help. I just want my money back.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX erroneously flagged my accounts to the consumer credit reporting companies. XXXX XXXX notified me a " skip can not locate '' alert appeared on my credit report and Experian notified me, " XXXX XXXX XXXX has flagged your account as Not Paying Off Your Balance and Can not be Located on XX/XX/2024. '' I am currently on an income driven repayment plan and my monthly payments are XXXX XXXX I called XXXX to discuss why I was flagged as a " skip '' account as I have never missed a payment and recently received mail correspondence from them dated on XX/XX/2024 with the total amount due {$0.00} ( please see attached ). The representative informed me the address they had on file was not correct- the address she provided I told her was in fact correct and has never changed. I additionally told her I have been receiving their mail correspondences. She then opted me into paperless option. The measures XXXX took for an account that was not delinquent were very extreme. My credit score plummeted into the XXXX and my FICO score dropped consequently. I filed a complaint through the XXXX and XXXX responded via their portal in my messages with the attached " personal letter ''. They agreed my payments are {$0.00} and still will not correct the errors they made. My account has never been a delinquent account and my address has never changed. I am an extremely responsible consumer and always pay my bills not only on time, but in advance. My credit score was almost XXXX prior to this incident.
Consumer complaint received 2023-04-18
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have contacted in multiple with occasions Experian, XXXX, and XXXX to dispute inaccurate personal information on XX/XX/23 and to get that information removed and they refused to remove it.

According to 15 U.S. Code 1681, I did not give written permission furnish anything on my credit report.
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. (FL)

30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-13
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: FIRST CITIZENS BANCSHARES, INC. (WI)

My loan matured XX/XX/2023. It took First Citizens bank 6 months to complete the modification. During this time I continued to make monthly payments. First Citizens failed to complete the modification in a timely manner causing my account with them to show delinquent. I also spoke with XXXX XXXX regarding the delay as well as the late charges assessed to me. He stated that he showed that I was current at the time of maturity and that I continued to make monthly payments during the extensive amount of time it took them to complete the modification. As of XX/XX/2023 First Citizens Bank still had not updated my account. I received my monthly statement XX/XX/2023 showing that nothing was due. In reviewing the statement it showed that First Citizens took a portion of my last payment and applied it to late charges. XXXX XXXX stated that those late charges would be waived. I submitted a credit bureau correction and received a letter from First Citizens stating that their records were accurate and no correction would be made. It was of no fault of mine that it took First Citizens 6 months to complete the modification. They had everything needed by XX/XX/2023. During that period I continued to make payments each month in a timely manner.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

I've noticed these credit card inquire that I do not recognize. These bank did not take part of making a solution when the inquires was made. Dates provide below are the dates inquires was reported and when the they was informed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!