davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (IL)

Filed complaint # XXXX regarding issues closing my account. Found Barclay business practices deceptive and inconsistent with standards at other banks and requested my accounts be closed in avoid complaince hassles and deceptive communication. 

I was called by someone in the office of the President and she verified and apologized for the behavior of the rep over the phone by not permitting me to close my credit cards without submitting my IRS tax returns. She informed me my accounts will be closed and fee refunded. In addition, I pointed out to her my access to my acocunt online was restricted and I could not review account information nor change any payment methods to pay the final balance. She informed me that my {$99.00} account free would be refunded on Barclays letter on XX/XX/XXXX as part of their response acknowledges this. 

On XXXX XXXX, I was notified by email from Barclays ' ( attached ) that they withdrew {$99.00} from my bank account. This is inappropriate, against what they stated and likely illegal. They might blame their poor IT, but they need to fix their internal issues with IT and compliance to be more consistent with other banks and consumer friendly. 

Consumers are spending way to much time with banks like this harassing them and abusing terms as well as not doing what they say they are going to do. So I am filing yet another complaint due to the {$99.00} fee withdrawal that was impossible for me to prevent, which i proactively attemtped to head off, which Barclay 's acknowledged would be refunded, but in the END, they still took the money and likely violated the law by doing so.
Consumer complaint received 2024-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (SC)

I contacted PNC Bank numerous times over XXXX XXXX to have my mailing address changed since I have moved and no longer receive loan statements from them. For the last XXXXXXXX XXXX, I have called and spoken to their XXXX XXXX XXXX and they indicate that they have my correct mailing address ; they have no idea why I'm not receiving loan statements, and they have never experienced this problem. I know the statements are being mailed to my old address because the residents there have notified me that they still receive my loan statements. I request that PNC Bank change my mailing address and send me loan statements.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon checking my credit, numbers are missing from my credit report ( s ). Please add and update my phone number ( s ) on my credit report immediately! XXXX XXXX Also add address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (CA)

I borrowed {$1300.00} from them around the end of XXXX. My first payment was in XXXX for {$540.00} and thats when they told me how Many payments and the amount I still owed them. {$6000.00}! They said my payments will continue until XXXX of 2024.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On a Bank of America credit card ending in XXXX, I paid the amount due within the 30 day payment policy according to the Fair Credit Reporting Act ( FCRA ). This was done electronically. I spoke with a customer service agent at B of A on XX/XX/XXXXat XXXX and his name is XXXX. During this call it was made clear to him that the payment was made within the 30 day limit according to the FCRA. He did state that a credit of a late fee assessed on my account would be shown on my next statement. Additionally, and more importantly, he said he would make a correction with all four credit bureaus to show " paid as agreed '' for XXXX, the period in question. The credit reports were not updated as per our conversation. 

I made the payment electronically. This alone should invalidate any type of negative reflection on my credit report. 

My entire credit report prior to B of A 's improper reporting to the bureaus showed no negative information for any account. 

The FCRA has a penalty assessment for the improper filing of improper data. I would expect the full amount of financial penalties to be assessed in this case. B of A is handing these situations as if they don't care. They must be held accountable.
Consumer complaint received 2023-10-03
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: EQUIFAX, INC. (PA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I had made XXXX XXXX payments to a jewelry in the total of {$4000.00} for a custom made pendant which was initially supposed to take a week and is now going into over a month I havent been able to contact him for XXXX weeks now regarding update on my order since he has been unreachable a lot of stories of his fraudulent pass and current activities has been shared over social media by other victims of his scam he had even reached out threatening the victim to remove his identity from the social media post or no money or item would be returned to her which means he has been seeing all of his victims including me trying to contact him whiles he is quoted riding around drinking with our funds I had reported the matter to truist in which my claim was denied when I feel a chargeback should be made and my funds returned to my account.
Consumer complaint received 2023-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

The unverified accounts 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 XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XXXX of XXXX  I have been trying to get negative information off my credit report including inquiries. Most accounts on my report are not mines/accurate. I have been trying every month since XXXX of XXXX  to contact TransUnion, XXXX, and XXXX about removing negative items from my report and have not gotten any results.
Consumer complaint received 2023-12-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (TX)

There are 2 credit cards companies that were showing on my credit reports. I file a dispute with all three and they investigated and XXXX and XXXX removed them both but XXXX said that it was verified. I received I letter stating it was verified by the company.
Consumer complaint received 2023-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I made my first student loan payment after the pause days before the due date and was on the SAVE plan per their site. I was placed on administrative forbearance and saw my due date is now XX/XX/2024. Any payments I made continue to accrued interest which they should not per the SAVE plan. Also should not gain interest per their website description of administrative forbearance but Im still gaining it When I tried to pay down the interest - usually they apply the money to interest first and then principal but instead they applied it to principal first, again causing my interest to increase Their live chat is just a chat bot that links you to FAQarticles on their site- it is not a live agent and is misleading I have emailed them and made a complaint only to be told they are not responding to emails at this time. I have tried calling repeatedly during the week on my days off only to sit on hold for hours at a time and never reach anyone. They have turned off messages on XXXX as well. So right now, unless a miracle happens, - theres no way for me to actually talk to anyone about getting off forbearance, my interest forgiven because Im on the SAVE plan, and actually make my payments on the plan, instead of them racking up compounded interest. And there is no communication from nelnet as to why this is happening to not just me, but many loan holders ( just search nelnet on XXXX XXXX to get a good idea )
Consumer complaint received 2023-10-03
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. (KY)

The unverified accounts 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 accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-21
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX 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 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: MECHANICS BANK (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. 
I negotiated a purchase price of {$30000.00} + tax and license prior to the sale. I was pre approved and I only intended to pay for a service in addition to sales price. I put {$7000.00} as downpayment. They packed the price of the car with other fees to maximize the reserves in the approval. 
This vehicle was totaled in an accident on XX/XX/XXXX and was taken to XXXX XXXX reported information to protect consumers were misrepresented by them. They had no regard for timely reporting to state agencies per state laws. They rebuilt the vehicle and washed the title.I was sent a vehicle title from another state that had been expired since XXXX. No fees or registration had been paid either.I live out of state. At the point of sale I asked about the accident, title and repair estimate ( cost ) .I was told the information was locked up in the business office.It was Saturday morning and no business office personel was there. I took delivery and drove the vehicle home. 
Since then I have been ignored, bullied and publicly ridiculed by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX is located in XXXX, XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's XXXX XXXX equifax XXXX XXXX  are correctly investigating these charge off 's and collections, i pay % XXXX apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live XXXX i coulda had a house if these bureaus did due diligence
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX calls my phone every other day i tell them im at work they still call, i ask for debt validation and the representatives dont understand, they call me even when accounts are in dispute, they call and hang up when you call back its them, none of the three bureau 's trans union XXXX XXXXXXXX XXXX  are correctly investigating these charge off 's and collections, i pay % XXXX apr on car i couldnt get a house im a single father, i could apply for a home loan cause of this, and now the market has doubled, i need compensation, XXXX for violations and i need {$100000.00} from each credit bureau and all collections and charge offs removed, i lost the opportunity to do so many things in life im XXXX no house just because no one is actually checking these accounts, i live XXXX  i coulda had a house if these bureaus did due diligence
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXXXXXX Balance : {$5300.00}
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NY)

Cash app offer all users free cash card, which is connected to big number of their services or you cant use them without a card. Whenever I apply for cash card ( many times for months ) at the final step I receive error message : " An unexpected error occured. Please try again later. '' which indicates technical issue, however when I report issue to cash app support I receive different answer : " Your request to activate/order your cash card wasn't APPROVED. and we CAN'T PROVIDE FURTHER DETAILS regarding this decision at this time. '' Than a list of possible reasons/violation of cash terms none of them apply to me. 
So it's not an error but formed decision and 'try again later ' is misleading and untruth. 
This is so discriminatory and without giving exact reason or what violation was I accused for. 
First, I deserve correct information after my application. 
Second, I deserve to know what did I do wrong ... or they just dont like me cause XXXX XXXX .... could be anything. 
But third and most important I deserve same treatment as other cash card users with all perks.