davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: LendingPoint Holdings LLC (FL)

I applied for a personal loan 4 months ago. Was denied by the company. On XX/XX/XXXX, I received call from someone who said they were with Lending Point company that I applied with. The man said I was approved for the loan. I gave them personal information such as bank account number, routing number ( XXXXXXXX XXXX ) and copy of my drivers license. The guy sent a {$2600.00} payment to my credit card associated with my checking account. The guy said I had to transfer the money to my checking account and then send the {$2500.00} back to them via a XXXX XXXX I told the man I dont use XXXX XXXX. He then said to send the money to XXXX XXXX. I told the man i dont use XXXX XXXX. The guy then said I had to go to the ATM withdrawal the {$2500.00}, go to XXXX and the guy said he would send me a XXXX XXXX and the people at XXXX would then send the {$2500.00} back to him for the verification process and he said that after its verified the man would deposit {$5000.00} for the amount of the personal loan I applied for into my checking account. I kept questioning him and refused to do what he said. I hung up called the company and they dont have a loan for me. I told the man to stop calling, textin, and emailing me. I reported it to my bank, my credit card company, and have blocked all numbers associated with that man. Then the man threatened me with legal action and that they would sue me for the {$2500.00} that they sent me. The REAL lending point company told me that this was a scam and to report it to my bank, my credit card company, my credit report. Etc. I have done so. 
The man said all the right things for the loan process but after he sent me the {$2600.00} payment to my credit card and to send {$2500.00} back, I know I had been scammed. 
The man also said that he would reimburse me for gas for having to go to XXXX to complete the loan application and verification. 

The mans contact info is as follows : Name : XXXX XXXX ( listed on his email ) Email address : XXXX XXXX XXXX Phone numbers : XXXX and XXXX ( text from both numbers ) Called from : XXXX, XXXX, and XXXX. 

Have told them to stop calling, stop texting, and to stop emailing me and to leave me alone.
Consumer complaint received 2023-10-31
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. (IL)

Account to be removed from your credit report In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX, Account XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (MI)

At the end of my lease with US Bank, I went through the process of paying it off. I called to get the final payoff amount, which was {$25000.00}. The day I called and got the balance ( XX/XX/XXXX ), I went to my bank and withdrew the amount of {$25000.00} in a cashier 's check and overnighted the check to the address that was given to me. Within a few days the {$0.00} balance was reflected on my account and we were just waiting for the title to arrive. Then, on XX/XX/XXXX, US Bank withdrew the auto debit payment of {$340.00} after the vehicle had been paid off. I called multiple times to have this corrected and each time I was told there wasn't anything they could do. Finally, I filed a complaint with my personal bank, XXXX, and they said they would take care of it. We received a reimbursement for the {$340.00} on XX/XX/XXXX. Then we noticed on XX/XX/XXXX that the claim was reversed and we were charged yet again for the {$340.00}. I called US Bank again on XX/XX/XXXX to try to resolve this. They asked me to verify my address, which I did and they told me that was incorrect and that they could not help me unless I could physically go to a US bank. I attempted to explain to them that I changed my address with them on XX/XX/XXXX to the address I gave them. I tried to give a previous address but they said they could not accept it. I let them know that when I changed my address on XX/XX/XXXX with US Bank that I received a confirmation letter. I told them I could provide evidence of the address change and again I was met with, " I'm sorry, there is nothing we can do ''. I told them that I am currently living abroad and that going to a US Bank was not possible. I gave them our US mailing address but they still refused to refund the amount.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

Working with Citi, we had taken advantage of a balance transfer with the promotional period having 0 % interest expiring in XX/XX/2023. 

As we were making payments they offered an additional balance transfer promotion with 2.99 % interest. When we received this offer, we contacted them to see how it would work having two promotional programs active. We were assured that we could finish paying off the 0 % promotion that ends in XXXX of 2023, and then pay the other balance off. We made a payment in XXXX of 2023, and Citi split the payment between the 0 % and the 2.99 % promotional balances. When we contacted them to pay off the 0 % in XXXX completely, they advised that it was impossible. We were told the federal law says you must pay the higher interest rate off first before the 0 %, and there was no way around that or the IRS would get involved against Citi. 

When we questioned the representative about how this is essentially setting people up for failure to pay off the 0 % promo balance without incurring the deferred interest, were were met with essentially, tough as a response. 

When we questioned why then was the last payment split between the two, which in their words violated federal law and should be reported, we were met with resistance and anger. Upon further pressing and advising that we would be reporting this incident ourselves, the manager stated he would extend the 0 % promotion for 12 additional months. 

While this may have resulted in a positive outcome for us, this is deceptive and inappropriate business practices. Some folks my not be able to advocate for themselves with a positive result and it should be looked into.
Consumer complaint received 2023-08-07
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MS)

This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AZ)

I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to follow up on my previous disputes regarding an unknown account that is still appearing on my credit report. Despite my repeated efforts to rectify this issue, the account in question remains unresolved. 

As I have previously stated, I have no knowledge of this account and have never opened or authorized it. Its presence on my credit report is not only erroneous but also detrimental to my creditworthiness.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX  Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates (LA)

I am disputing this collection account with CFPB concerning Retail merchant Association placing a collection account on my XXXX credit report. I recently sent Retail Merchant Association a letter asking for validation of the alleged debt amounting to {$10.00}. Retail Merchant Association did not provide any documents or evidence to validate the account, but instead gave me a print out of the bill. This company kept this account on my XXXX   credit report despite providing proper validation of this debt, but instead of verifying ( identifying ) the debt. Again, Retail Merchant Association did not provide any documents or evidence to validate the account. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with PHYSICAL PROOF, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (MI)

I have had a Lowes credit card for many years.

When I went to the hospital this summer, I wanted to have my son and his friend be able to pick up things from the store for me.

When I called Lowe 's to add them to my account, Lowe 's canceled my card and issued two cards to the boys. When Lowe 's did this, they put hard credit hits on each of the boy 's credit reports without their permission. 

I still await my replacement card that was taken and blocked during a time when I have needed to use the card. This has been very inconvenient for me. 
When I called to ask them to take the hard hits they put against the puts off, Lowe 's refused and said the boys would have to call them themselves and provide social security numbers and driver 's licenses to have the hits removed.

This is not fair to the boys who did not ask to have Lowe 's search their accounts.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX  XXXX This Information is Incorrect. Please remove this inaccuracy from my report XXXX XXXX XXXXXXXX I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-09-05
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. (NJ)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I have a free Experian ID account because of a breach several years ago when my financial information was stolen. I am supposed to be able to access my score a rundown of attempts to access my accounts as well as lock/freeze and unlock? unfreeze my credit. 
My problem is it takes several hours of phone calls to be able to login this has been an ongoing problem since the breach. I know longer remember the date of the breach but it has been several years. 
I tried reaching my Account on XXXX XXXX and again today XXXX XXXX at approximately XXXXXXXX XXXX it is now XXXXXXXX XXXX I just ended the call to Experian and and decided the CFPB may need to get involved. I am pretty sure I'm not the only one with this problem. 
Id theft has no consequences for the Company 's credit bureaus and others who aggregate our personal and financial information. his has to change. 
The reason i wanted to check my report is I was notified of another breech we were involved in. 
Contact numbers for these Credit bureaus are buried so you have to jump through hoops to find them, when you do find them you have to jump through more hoops to get to a Human and generally they are from overseas and their language skills are extremely limited. 
Thanks for listening please help. 

XXXX XXXX XXXX XXXX, Oh XXXX
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (DC)

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 2023-08-31
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. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: CCF Intermediate Holdings LLC (AL)

Went in store Check into Cash XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX to Cash an check. Lady at store showed the check to her manager and the manager asked me what was the check for and from and amount on the check. She she told the lady to email the check to someone and call them. She called another lady on the phone and the lady said '' I'm looking at the check now is the customer there, yes, yes it looks suspect to me, have you called the bank, no, okay tell them you tried to verify and it couldn't be verified. " So I told the that's fine give me my check since you about to lie to me and I left.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I have a Citi checking and savings, on XX/XX/XXXX there was a check presented writtem out mt account ending in XXXX for XXXX ( XXXX ) XXXX dollars. The fraud department phoned, I spoke with them and informed them that the check that was presented was not written out by me do not let it go through. They assured me it would not go through, the check did in fact go through thus promoting a fraud/hold on my account. After countless phone calls leading me no where I went into XXXX Citi banks meeting with bankers trying to get clarity on what was going on with my account, the banker at the last branch I went into assisted me in getting all the necessary documents signed and sent into the proper departments of Citibank back office. 

Was told that it would take 90 days for the investigation to take place. Not understanding why at minimum I can not receive a temporary credit and why it is taking so long for this internal investigation to take place when the check that was written is not my handwriting and or signature. 

I had to open a new account at a different bank in order to pay bills.