davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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: U.S. BANCORP (WI)

I made XXXX payments related to XXXX purchase order - {$290.00} and {$360.00}. product was never delivered, and vendor stopped communicating. I opened a dispute with the credit card company, and they behaved in an arbitrary and predatory manner where they " randomly '' and illogically reveresed the EARLIER, and LOWER, of the payments ( {$290.00} ) and did not refund the other payment ( {$360.00} ) I made a purchase of a XXXX device - a customized digital storage device - from a company in XXXX XXXX The reservation order was made on XX/XX/2023 for {$290.00}. The estimated delivery date was stated as " End of XX/XX/2023 '' A couple of weeks later I made payments on the customizations option of the device with a {$360.00} payment on XX/XX/2023. 

After the delivery date lapsed, I reached out to vendor who said it would be delayed and later totally vanished and stopped responding. At that point I submitted a dispute with the credit card company and was shocked to see how they are acting in a predatory, abusive, and arbitrary manner. 
If the payments are related to the same purchase, how can you logically reach a different outcome? 

I have made multiple calls to the credit card company trying to resolve this. The service reps acknowledge how ludicrous this situation is but kept claiming that they " follow policy '' and this is " out of their control ''. This is especially worrisome, because it highlights that they maintain this predatory and abusive behavior as part of a corporate policy.
Consumer complaint received 2022-10-18
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. (FL)

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE THEM WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

TO MAKE THE DELETION PROCESS EASIER, I ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! 

Account Name : XXXX XXXX XXXX ( Transunion, XXXX, XXXX ) Original Creditor : XXXX Account Number : XXXX Account Name : XXXX  XXXX ( Transunion, XXXX ) Account Number : XXXX
Consumer complaint received 2023-08-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was just made aware that my bank, Bank of America, was ordered by CFPB to pay customers in Florida for systematically double-dipping on fees etc. my account. I have had an checking, savings, credit card and loan accounts with Bank of XXXX for over 20 years. 
According to recent document " customers don't need to take action to receive a payment as the burden is on the bank to either put funds back in consumer accounts or send a check. 

I have NOT received any funds back from Bank of America. 

HELP
Consumer complaint received 2018-04-18
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: NCC Business Services, Inc. (IL)

NCC BUSINESS SERVICE # : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Im filing this complaint because this company is not treating me fairly. My name was attached to this account despite me not having any responsibility for it. They can not provide any written documentation that evidences my signature or bearing to this account. This account belongs to XXXX other people and I do not know why they will not release my name from it. 
My credit score is destroyed as a result of this account being on my credit. That is despite the fact that the account has also been paid and is a closed matter. I have a sick mother who is living in an apartment where the lease is not going to be renewed. I am trying to purchase a single story home that has no stairs and that is in very close proximity to her doctors office which she has to visit one to two times every week. This is a very difficult issue for us and Im trying everything in my power to help make her life easier. 
I would like for them to put in a request for them to remove this account from my personal credit reports.
Consumer complaint received 2023-04-14
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX Balance : {$16000.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Bankruptcy Discharged XXXX ; XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Discharged XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-18
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. 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 XXXX Account Number XXXX XXXX
Consumer complaint received 2023-11-06
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: OneMain Finance Corporation (NJ)

I was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated " no, there is not a hard inquiry until you verify your identity and income. " I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that " you should have read the fine print before filling out any information. " Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach.
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

It is now XXXX. I have not once received a monthly billing statement from MOHELA for the save plan they finally processed. I have asked repeatedly both through billing and through complaints. It has been XXXX months without a billing statement. 
MOHELA policy is to generate and send bills at least XXXX  days before they are due. They are not following their own policies. 
Sending a billing statement for a monthly bill should be automatically generated and sent at this point. They have not sent XXXX since they finally processed my SAVE. 
I have checked once again and my notices are to be sent via USPS. MOHELA will not send a billing statement and I have the right to be sent accurate and timely documentation.
Consumer complaint received 2022-10-18
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. (LA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. Its been well over 30 days and nothing have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been well over 45 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the XXXX data breach.
Consumer complaint received 2023-09-27
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. (MD)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-10-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit DEPT OF XXXX XXXX, XXXX OF XXXX XXXX
Consumer complaint received 2021-01-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a dispute to Transunion, XXXX, and XXXX well over 30 days ago. I still have not received an update or had the unauthorized accounts removed.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/year> NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MI)

About a year ago, XXXX Citi card gave me a promotional offer to increase my points. I didn't realize that by agreeing to the offer, I was enrolled in a paperless statement system. 
I didn't see the statements in my email box so I called the company to request that they resume sending paper statements. Instead, they mailed me old copies of previous months statements. They did NOT restart sending paper statements. 

I put this card away because the communication with them was TERRIBLE. ( Hold/wait times, talking to people in XXXX with very bad connections and only marginal skills in XXXX. ) I finally gave up. I called and paid whatever the balance was that they said that I owed. ON THE SAME DAY, I closed this account. 

Most recently, they started sending more " past due balance '' emails BUT NO STATEMENT. I called once again to tell them that I had paid the bill in full and closed the account. AGAIN, I spent XXXX minutes on the phone with XXXX people. They had to transfer me XXXX times to a " supervisor. '' Multiple times I tried to explain the reason that I did not feel that I owed them anything else and that I wasn't going to pay any " late fees '' that were assessed AFTER I had closed the account. Multiple times I told the agent that I could barely hear him because of the terrible connection. The combination of bad XXXX and terrible connection left me completely frustrated. I told him VERY clearly that I would not pay this balance and that I wanted to appeal their charges. He could not ( or would not ) try to understand my explanation.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NY)

I had some deposits with BMO XXXX high yield savings account. When I decided to transfer the money to external accounts it wouldnt let me saying the transaction had to be reviewed and would process in a business day or two. I tried with a few other transactions and they went through but then all of the transactions were refunded and my account froze. Ive been trying to get in touch with BMO alto for two days now not having much information about my account. The fraud department has not called me and the voicemail box is full and I can not access my account.
Consumer complaint received 2022-10-18
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: Experian Information Solutions Inc. (NJ)

After receiving a copy of my credit report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these accounts late will be corrected. 

XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXI Account Number : XXXX
Consumer complaint received 2023-04-24
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX  Balance : {$770000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$280000.00}
Consumer complaint received 2023-08-09
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)

.Legal Procedure for Disputed Information under 15 U.S. Code 1681i, CFPB Guidelines, and Consumer Protection Laws : Alleged Non-Compliance by XXXX and Trans Union XXXX legal landscape surrounding disputed credit information, collection practices, and charge-offs is multifaceted, encompassing federal statutes, regulatory guidelines set by the Consumer Financial Protection Bureau XXXX CFPB XXXX, and consumer protection laws. The recent allegations of non-compliance by XXXX and Trans Union in relation to these laws have cast a spotlight on the intricate interplay of these regulations. 

Section 1681i of Title 15 of the United States Code outlines the mandatory steps for addressing disputed credit information. Simultaneously, the CFPB enforces regulations aimed at safeguarding consumers ' rights and ensuring fair credit reporting practices. The alleged actions of XXXX and Trans Union, if verified, could potentially run afoul of these legal requirements, compromising consumers ' trust and rights. 

It has been asserted that XXXX XXXX not be upholding its obligations with the necessary diligence, potentially infringing upon provisions set forth under the Fair Credit Reporting Act ( FCRA ). Moreover, the purported refusal by these credit reporting agencies to acknowledge disputes submitted by individuals might contravene the FCRA 's intent of addressing consumer concerns. 

The following account details, along with corresponding account numbers, have been implicated in these disputes : Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX : XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Amidst these allegations, it is imperative that individuals facing credit inaccuracies, collection actions, or charge-offs familiarize themselves with their rights as outlined in various consumer protection laws. By seeking legal counsel, individuals can ascertain the veracity of these claims and explore potential legal avenues for remediation. 

In light of the comprehensive legal framework in place, it is essential that XXXX, Trans Union, and all entities involved in credit reporting adhere to their obligations. Upholding the FCRA, CFPB guidelines, and broader consumer protection laws ensures not only the accuracy of credit information but also the protection of consumers ' financial well-being and rights.