davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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. (MI)

Credit reporting agency and original creditor are in violation of my consumer rights. 
Account name : XXXX XXXX XXXX Account number : XXXX. The balance on this account is inaccurate. My limit was {$300.00} but my balance is reporting as {$500.00}. How can this balance be correct when my limit is only {$300.00}? Also the original creditor and the credit reporting agencies are continuing to report this account as charged off month after month for 13 months after the initial charge off.date. An account can legally only be charged off one time. Once the account is charged off there should not be any updates to the account per FCRA rules and regulations.
Consumer complaint received 2021-04-02
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: MARINER FINANCE, LLC (IL)

I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose. 

XXXX - XXXX XXXX, XX/XX/XXXX - XXXX XXXX, XX/XX/XXXX XXXX - XXXX, XX/XX/XXXX - CBNA, XX/XX/XXXX - MARINER FINANCE, XX/XX/XXXX XXXX
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (HI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-04
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. (OH)

I have a letter from XXXX XXXX XXXX stating that a 30 day delinquency on my report is to be removed. I have disputed this item TWICE though their website and given the the letter both times, and they are not only refusing to remove it but also updated the report saying the delinquency has carried into XXXX of 2023. This can not be legal!!
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent several letters to XXXX and Experian with no response to corrected addresses that do not belong to me on my credit report. 

XXXX  is reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA Experian is reporting the following inaccurate addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (VA)

RE : Complaint Regarding Debt Collection Practices for XXXX Loan # XXXX Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding unfair debt collection practices related to my XXXX loan, Loan # XXXX. The loan is currently being collected by XXXX I was not informed that my XXXX loan had been referred to the U.S. Treasury Department for collection or assigned to Coast Professional for collection activities., I did not receive a notice from the U.S. Treasury Department regarding the past-due balance on my loan. Additionally, I have been contacted by XXXX XXXX. 

While I acknowledge missing some past due payments, I believe I was not given adequate time to explore options for a payment plan or loan modification before the debt was referred to collection. The seasonal nature of my trucking business, XXXX XXXX XXXX, resulted in a temporary income decline that impacted my ability to meet the current payment schedule. 

Here 's what I have done to address the situation : several times : I contacted the XXXX loan officer to discuss my situation and request a payment plan or loan modification. I made a payment towards the outstanding balance Attached proof of payment. 
My concerns are : The lack of notification regarding the transfer of the loan to the U.S. Treasury Department and subsequent assignment to a collection agency. 
The lack of sufficient time to explore payment solutions before referral to collections. 
The potential negative impact on my XXXX XXXX due to collection activity. 
I request the CFPB to investigate these practices and ensure I am given a fair opportunity to resolve my outstanding balance with the XXXX. I am committed to repaying my loan in full and am actively seeking a solution with the XXXX. 

I have attached a copy of the referral notice from the U.S. Treasury Department and communication from XXXX XXXX. 

Thank you for your time and attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (KY)

My identity was stolen and I reported it to the credit bureaus. They have my information reporting wrong and theres increased from XXXXXXXX XXXX XXXXXXXX XXXX and from a lot of car loans in XXXX XXXX that I did not fill out for and they keep calling harassing me they will not stop calling me lol XXXX keeps calling me and they sold or linked my information out that I did not give consent to and they just keep calling sending emails about payments of about {$10000.00} that I owe and I dont know that and theyre reporting to the SBA into people the wrong credit report.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681 Account name XXXX Residential # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name XXXX XXXX  XXXX  # XXXX. Account name XXXX XXXX and associate # XXXX, XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX have 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 repporting agency may make any consumer report containing any of the following itemsof information. Any other adverse item of information other than records of convictions of crimeswhich adates the report by more than seven years.
Consumer complaint received 2017-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (AL)

I received a Payday  loan  XX/XX/2014  and  I was making payments until I lost my job and I contacted agency to see if I could post  pone  my payments until I began working again they refused my attempt and I have n't heard from them since until today I received an email threatening to arrest me
Consumer complaint received 2020-06-19
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. (GA)

There are 2 accounts that are reporting inaccurate late payments. The following accounts are : Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} ( XXXX, TU, XXXX  ) Dept Ed/XXXX  Date Opened : XX/XX/XXXX Balance : {$5400.00} ( XXXX, TU, XXXX  )
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NY)

By reviving a letter for a denial of credit application at Wells Fargo placed on XXXX XXXX XXXX XXXX I have found the my personal information has been stolen. I have alerted them to the fraudulent application as well as the credit bureaus through XXXX to the fraudulent application. Both organizations have filed the application fraudulent and put a alert on my account as well as a withdrawal of the hard inquire on my credit report.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2023, I was invited to sign up for a Rewards checking account. According to the terms of the email, I was offered a {$200.00} sign up bonus upon depositing {$5000.00} within 30 days of account opening and maintain that balance for more than 90 days. On XXXX XX/XX/2023, I signed up using the link from the email and deposited {$5000.00} into the rewards checking account according to the terms of the sign up offer. I have maintained the same balance as of today. Its been over 120 days and there is no sign of sign up bonus. When I tried to contact American Express customer service, I was given some lame reason stating that the sign up bonus was not offered because their transaction system somehow categorized the transfer as an internal transfer. I don't have own any account other than the rewards checking account and a blue cash credit card. Even if it is the case, there is no way, the funds deposited with them can be considered internal as I don't own another account on my name with American Express and I didn't have any deposits with American Express prior to this on my name. 

It feels like American Express is resorting to deceptive marketing to get deposits and then deny bonus with lame excuses. Even though I have patiently waited for 120 days with my money deposited with them, American express has not stuck to the terms of the sign up promotion but rather giving me a runaround. I want the sign up bonus promotion of {$200.00} to be honored and request bonus be deposited into my account. Request you to please check and update. 

Attached the first and the latest statement from the account for reference. 


Thanks and Regards, XXXX
Consumer complaint received 2017-05-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (CA)

On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX, XXXX claims they received the following inaccurate information from Transunion which has caused me not to secure housing and has rendered me homeless. I have not given Transunion of anyone consent to share any information regarding me or my credit history. 

The following information is what Transunion reported. below :. 
Your TransUnion credit score : SCORE DATE : XX/XX/2022 TransUnion scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PROPORTION OF REVOLVING BALANCES TO REVOLVING- This is a billing error since all credit is commercial and open ended. 
CREDIT LIMITS IS TOO HIGH, TIME SINCE DELINQUENCY IS- This is a billing error since all credit is open-ended there is no limit. 
TOO RECENT OR UNKNOWN, INSUFFICIENT LENGTH OF CREDIT HISTORY, SERIOUS DELINQUENCY- This information being reported is completely inaccurate
Consumer complaint received 2023-07-31
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)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-01
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

I received a cashier 's check from the bank lobby of XXXX XXXX on Tuesday, XX/XX/XXXX and deposited it in a lobby ATM at the closest Wells Fargo lobby to my house. The subsequent deposit confirmation said the money would be available the next day on Thursday, XX/XX/XXXX. On Thursday, I received another E-mail from Wells Fargo stating there is a hold on my check and the funds would not be available until Friday, XX/XX/XXXX. Cashier 's checks don't take XXXX calendar days to clear.
Consumer complaint received 2022-11-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-31
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: CITIBANK, N.A. (NY)

On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX  XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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
Consumer complaint received 2023-07-31
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: LEXISNEXIS (AL)

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. 

The letters are stated with items and issues. 

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 2023-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a personal and a business account with Truist Bank on XX/XX/2023. I deposited {$100.00} into the checking account and a paid a required opening fee of {$100.00} for the business account. I tried to log into my accounts with Truist bank and I was not able to access my accounts. I went to the nearest branch and I was informed by a teller that both of my accounts were closed. I was given a number to call in order to receive a report & possible answers as to why my accounts were closed. I called the number and I did not receive any answers. Also, the bank teller informed me that I can not get my money back that was deposited the day I opened both accounts. I feel that I am being discriminated against and that my account was wrongfully closed. The bank has record of my social security number and I believe my information is being used to conduct fraudulent activity. It is illegal for the bank to take my application and my social and not provide any services.
Consumer complaint received 2021-07-29
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. (AL)

The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On or about XX/XX/XXXX the balance on my Bank of America credit care account was {$8800.00} and regular monthly statements were being received at my address. 

In two separate transactions dated XX/XX/XXXX and XX/XX/XXXX the amounts of {$6200.00} and {$2000.00} were charged to the account as online banking advance to. The statement ultimately obtained from Bank of America provided no information as to whether such advances were by check or by wire, who obtained the advances, or any addresses or banks to which they were paid. Further, at no time did any person at Bank of America contact me to confirm the transactions. 

Shortly thereafter, though not noticed until XX/XX/XXXX, monthly statements from the Bank of America account stopped coming to my address. The XX/XX/XXXX statement was addressed to XXXX XXXX XXXX, XXXX, NC XXXX and the XX/XX/XXXX and subsequent statements were addressed to XXXX XXXX XXXX, XXXX, Nevada XXXX. The statements sent to XXXX continued through XX/XX/XXXX, when I discovered the fraud and contacted Bank of America by phone. I have never lived in XXXX or XXXX. 

Bank of America personnel acknowledged the claim by letter dated XX/XX/XXXX, but refused to give met any information about the bank accounts to which the moneys were directed or copies of the change of address communications instigated by the defrauder. Then, by unsigned letters dated XX/XX/XXXX and XX/XX/XXXX, Bank of America denied my claim, reinstating the fraudulent transactions and the bank charges that accompanied them. 

A letter sent by my attorney to the Bank of America legal division on XX/XX/XXXX has still not been answered.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION (TX)

I went to emergency room last year but after I got out from the emergency room I never received any communication from the hospital regarding the amount I owe. I called the hospital and asked them to provide the copy of statement but they never bothered. Finally they gave it to the collection agency. I never got any statement from the collection agency either. I was looking at my credit report and realized that I have an account in collection. I called them and raised the dispute with them around  XXXX  and asked them to provide the copy of the statement that they sent earlier so that the name and address can be verified. I was told that I need to file the complaint in written which I did on  XXXX  by faxing the complaint to their department. I have called multiple times after that asking for the status of the dispute but until now I did n't receive any response from them.