davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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. (TX)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (PA)

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. 

Account name : XXXX XXXX XXXX, Account name : 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 an 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 2023-04-14
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. (TN)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2017-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (OH)

I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account
Consumer complaint received 2021-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit, Inc (NJ)

VW credit did run my credit four times. According to the document I signed. It was supposed to be one credit run in XXXX however, they did run my credit four times causing my credit to decreased almost 40 points. Now I cant close on my mortgage. 
I did mail them letter but haven't heard from them. Hopefully you guys can help me with this situation. 
This is their address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX VOLKSWAGEN CREDIT XXXX XXXX XXXX XXXX, OR XXXX
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NM)

I tried to do my free credit report on   XXXX   and some of their questions do NOT pertain to me and because I could n't give them a correct answer, I was denied my credit report. I paid off   XXXX    major bills and then they lowered my credit score and this is NOT right!! Experian is NOT doing their job and they are lowering my ability to obtain a loan even though I do not have ANY high balances ( except my mortgage ) on all my accounts.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (FL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (TX)

This notice is regarding a secured card account that was opened on ( XX/XX/22 ) that SELF FINANCIAL/LEAD XXXX  reported to the consumer reporting agencies with my information with a current balance of {$130.00} owed. I am requesting SELF FINANCIAL/LEAD XXXX  to remove all XXXX late transactions that was reported after I pay off the full balance owed that is past due on this account. If SELF FINANCIAL/LEAD XXXX will remove all the late transactions reported in this account, I wont hold them liable to their violations listed below or in any of my past notices. According to the FAIR CREDIT REPORTING ACT This section of the law - 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to SELF FINANCIAL/LEAD XXXX are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.
Consumer complaint received 2023-02-02
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)

The XXXX/Transunion Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets delete this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about this complaint. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2023-02-02
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. (PA)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (PA)

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. 

Account name XXXX XXXX XXXX XXXXXXXX, Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (KY)

On XXXX XXXX, 2023. XXXX XXXX XXXX in error charged me 3 times for one service {$630.00}. They admitted that it was their error and notified CitiBank. Citi took off one charge. The next one was conditional. Then someone their decided to put it back on my statement and even charged me interest. XXXX  XXXX  lowered by score by XXXX? points. I have called Citi at least a dozen and a half times, even talked to a few supervisors. I have a case # XXXX. I sent an email also to the XXXX. This week I sent a certified letter to The CEO of Citibank, she should receive it Monday, the XXXX ( Tracking with XXXX. ). All I get it the runaround. It's been 3 month and a week now and it's still on my account. I am a senior citizen and on SS. This has stressed me to no end. I am so frustrated. I need someone in my corned. Please help me.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (NH)

I am receiving several calls a day for debt collection from the following phone number for Discover Card : XXXX It is possible they are calling me from other numbers as well, but this specific number keeps calling. 
I was settling my account and missed a payment due to not enough funds in my bank account. I have received phone calls on the following dates and times : Mon XX/XX/XXXX XXXX XXXX Tues XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Wed XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Sat XX/XX/XXXX XXXX Mon XX/XX/XXXX XXXX XXXX XXXX ( XXXX times, back to back calls ) Tues XX/XX/XXXX XXXX XXXX XXXX XXXX ( twice, back to back calls ) Wed XX/XX/XXXX XXXX XXXX XXXX ( twice, back to back calls ) Thurs XX/XX/XXXX XXXX I believe they will try to call multiple more times today I am aware that this is legally harassment, based on debt collection rules that they must follow. I would like them to stop. I do not want to speak with them based on their calls harassing me. I plan to pay off my debt and understand they will stop once I pay it- but this is causing me distress.
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MD)

For starters, I was forced to transition from my original loan servicer Great Lakes to Nelnet. Nelnet took it upon themselves to changed the the amount of my monthly payments and change the term length of my loan without my knowledge and without my consent. 

Nelnet is also trying to force me to make payments on loans while XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They screwed up my grace period, they are screwing up my payment time tables, and since I just learned that they changed the terms and conditions of my loan without telling me, I now have to deal with that too. 

I need this company to be sued into fixing the issues they are creating.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (DE)

Reporting late payments as of XXXX, XXXX, XXXX and XX/XX/XXXX but payments were made balanced was cleared XX/XX/XXXX. 

I reached out to the company because payments were auto draft and the advised this would be corrected. 

Made all payments on the account on time.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I do not understand the payment history on my account. Repeated attempts to find out why there were repayment plan payments applied when I never agreed to a repayment plan. Local branch and mortgage loan opertations could not explain. I also do not understand why they were satisfying Late charges and expenses instead of trying to get my account current. what was going was to no avail. Credit History has been impacted.
Consumer complaint received 2023-01-10
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed from my file immediately : XXXX XXXX XXXX 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 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (VA)

Ive requested XXXX state level benefits under KP state Louisiana to American Express and was denied. I sent in a copy of my LES to verify proof of residency and all supporting documents. I received letter stating I wasnt eligible due to card account being open after XXXX XXXX service, even though Louisiana KP state XXXX. Enforcement of Servicemembers Civil Relief Act ; Uniformed Services Employment and Reemployment Rights Act state it cover while on XXXX XXXX service.
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (TN)

I deposited money into my Charles Swab account and a couple days later they locked me out and told me to go to the bank I went to the bank and they couldn't help me they told me to call the money management department and when I called them they told me my money was moved to a safe deposit and I would have to verify my identity and I went through that process and told I passed it and I should be getting my money back uploaded to my card but It never did. It's been a whole year and nothing has came up no one called me. The person that I was talking to on the phone from the money management department told me not to go back to the bank and that everything would be solved. This was a very frustrating experience and I just don't understand why they held my money and never gave it back.
Consumer complaint received 2024-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MS)

On XXXX XXXX am XXXX Status : XXXX Amount : {$40.00} Last XXXX of card used : XXXX Type : XXXX XXXX Statement Description : XXXX XXXX XXXX Cashapp case # XXXX, well Cashapp refused to provide any information about the vendor, I informed Cashapp it was a scam & I DID NOT receive a receipt. I informed Cashapp that I was continuing and I still am continuing to receive scam calls from the criminal organization, but Cashapp is a key participant in the scam. Cashapp refused to refund My monies, refused to provide any information about the fraudulent vendor, refused to provide a copy of My complaint. I made a purchase with an AI of {$40.00} to a XXXX organization for resources fo assist in My nephews XXXX battle. I only learned it was an AI voice system that captures your voice for later scams and responds amazingly real. Its similar to XXXX XXXX customer service system, I didnt know when I was communicating with the AI or a Actual Human.
Consumer complaint received 2023-03-01
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)

I am writing to dispute the conduct of XXXX, TransUnion, and XXXX in violation of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph 5 Treatment of Inaccurate or Unverifiable Information on XXXX XXXX Acct # XXXX As a consumer, I have exercised my right to obtain my credit reports from each of these credit reporting agencies. Upon review of my credit reports, I have identified numerous errors and inaccuracies that are affecting my credit score and financial well-being. 
I have followed the appropriate procedure outlined in 15 USC 1681i and have submitted disputes with all three agencies, providing evidence to support my claims of inaccuracies. However, I have found that XXXX, TransUnion, and XXXX have failed to properly investigate and correct these errors in a timely and efficient manner. 

Specifically, these credit reporting agencies have failed to comply with Paragraph 5 of the Procedure in Case of Disputed Accuracy, which requires them to promptly investigate and correct inaccurate or unverifiable information. Despite providing evidence to support my disputes, I have found that these credit reporting agencies have failed to conduct a reasonable investigation and have not taken appropriate action to correct the errors. 

Furthermore, I have found that these credit reporting agencies have failed to provide me with timely and accurate responses to my disputes, as required by 15 USC 1681i. I have experienced significant delays in receiving responses, and in some cases, have not received any response at all. 

The failure of XXXX, TransUnion, and XXXX to comply with 15 USC 1681i and to promptly investigate and correct inaccurate information has resulted in harm to my financial well-being. These inaccuracies have affected my ability to obtain credit and have resulted in higher interest rates and fees. 

I urge the Consumer Financial Protection Bureau to take action against XXXX, TransUnion, and XXXX for their violations of 15 USC 1681i Procedure in Case of Disputed Accuracy Paragraph XXXX Treatment of Inaccurate or Unverifiable Information. These credit reporting agencies must be held accountable for their actions and are required to promptly delete the inaccurate information. 

Thank you for your attention to this matter.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

I had a XXXX account before and I canceled it last XXXX and joined my friends att family plan. And I got a {$1.00} charge from XXXX XXXX XXXX, which I think its weird, I disputed it. XXXX didnt contact me at all for a year and sold it to a debt collection company with the late fee which is {$38.00} for total. And XXXX said they cant help me with it since they already sold it to debt collection companies and I can either pay the {$38.00} and talk to the debt collection company which dont even even to me just keep repeating my transactions from the XXXX bill they got. As a company I dont think they should just sold the customers information with not contacting or verifying with their customers for any unpaid bill. How can I know what kind is that bill after I canceled my plan and they closed my account on XXXX