davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UMB FINANCIAL CORPORATION (CT)

DEAR XXXX XXXX XXXX XXXX XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' XXXX ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer XXXX. 

XXXX ) The account listed is " Deferred until XX/XX/year> '' XXXX ) When XXXX pulled my credit report from XXXX XXXX. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

XXXX ) This dispute alleges XXXX of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

XXXX ) The information generated from " XXXX XXXX '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

XXXX ). The failure to use a manual review for the extension of credit. 

XXXX ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (WV)

On XXXXXXXX XXXX  the owner of a salon charged me {$1100.00} for a Service I did not receive until XX/XX/XXXX. The service was a hair replacement and the salon absolutely butchered it and then refused to refund my money after Id been back three separate times for them to fix it. I disputed it with my bank because the merchant refused and it was disputed under quality of merchandise or services bc it was the worst hair Ive ever seen, yet my bank continues to deny said dispute stating that the transaction is valid, yes Im aware it was valid but nobody is saying it was fraudulent. The bank should not offer a dispute option of quality of services or merchandise if we can not dispute based upon that.
Consumer complaint received 2022-11-03
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. (DE)

Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2022-10-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-03
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. (CA)

DUE TO A CHAIN OF EVENTS, BECAUSE OF EQUIFAX DATA BREACH ( XXXX ). I SWEAR TO TELL THE TRUTH AND NOTHING BUT THE TRUTH IN REGARDS TO THIS MATTER. I HAVE BEEN SUFFERING FROM THE BREACH OF MY INFORMATION./ MAKING POLICE REPORTS/HAVING TO FREEZE MY ACCOUNTS/ MY MAILBOX HAS BEEN BROKEN INTO/CHECKS HAVE BEEN STOLEN/CREDIT CARDS/MONEY ORDERS/DUE TO THIS BREACH. I ASK OF YOU IN YOUR CAPACITY, XXXXXXXX ME ALLOCATE MY EXISTING PROBLEM AND DILLEMMA OF FURTHER LIABILITY, POLICE REPORT # XXXX XXXXXXXX
Consumer complaint received 2022-11-03
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)

to my knowledge I'm dealing with inaccurate incomplete and misleading information on my credit report that this company failed to thoroughly investigate. Anything being reported about me should be reported 100 % accurate.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

On XX/XX/XXXX I mailed a request to Equifax to lift my credit freeze from XX/XX/XXXX to XX/XX/XXXX. That letter ( which I have a copy of ) included my full name, my address ( which has been the same since XXXX ), my date of birth and social security number. As requested, I included a photo copy of both sides of my drivers license and a copy of a recent utility bill. On XX/XX/XXXX Equifax sent me a letter ( received XX/XX/XXXX ) indicating that what they have on file does not match what I sent. That is ridiculous unless they have incorrect inputs in their system which I can not account for. I no longer need to have my account unfrozen BUT I am very concerned that they could not match me to the information in my letter. That should be their job to correct.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I was notified by email XXXX saying " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon '' I called the bank immediately after receiving it and was told on the phone that the account was to be immediately closed, there were no further notes on the account, and the decision was final. 

I visted the branch on XX/XX/XXXX and was told the same. 

I had no means of appeal, I was told to remove my money and transfer it to another institution. 

The account has existed since XXXX, has been the same operating business account for the business since that date, and is the only checking account that business has. It hasn't done anything unique or new in the last months. 

They have said it will affect my personal accounts too " imminently ''.
Consumer complaint received 2022-11-03
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. (WA)

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 # XXXX closed, Account name : XXXX XXXX XXXX # XXXX closed, and has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NH)

On XX/XX/22, an autopayment of {$100.00} was applied to my CareCredit account. On XX/XX/22, I manually paid {$2700.00} to pay off my account. I then switch my autopayment from a specific dollar amount to Statement Balance to pay any future balance. 

On XX/XX/22, I received a letter from you that my autopay had change to {$0.00} and will be posted on XX/XX/22. However, on XX/XX/22, an autopayment of {$2700.00} was erroneously deducted from my bank account. This transaction was not legal. 

The payment was rejected because I only had about {$2000.00} or so in my account, not expecting an unauthorized debit of {$2700.00} from CareCredit. 

On XX/XX/22, I receive a letter that CareCredit has closed my account because I had two rejected payments. There is no record of a 1st rejection on your website. And the second rejection was an unauthorized, illegal debit from CareCredit. 

I have been a 20-year +customer, never had a late payment, and generally pay off my balances within the six-month promotional period. I called CareCredit three times, but I was told that no one could not reopen my account. So, I have subsequently filed three consumer complaints as noted and attached. 

My hope is this mistake was not intentionally in violation of the FDIC, XXXX XXXX XXXX XXXX, and other related financial regulations, but nevertheless, it needs to corrected. 

I would like my account reinstated immediately. I need this account for my pets in the event of illness or other unexpected vet bills.
Consumer complaint received 2021-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (MN)

My University Accounting Service LLC 's ( " UAS '' ) account number is XXXX. 

On, or about, XX/XX/2021, I mailed my loan cancelation form to UAS. Thereafter, I contacted UAS multiple times to ask for an update regarding my cancelation application and was told, " they have not received my application. '' I kept calling back and finally in XXXX, UAS said they received it. All this time, UAS told me, multiple times, to not make payments as it would backdate my account and make it current. I, also, noted on numerous occasions that I was worried my account would be too delinquent and asked for it to process my loan cancelation application promptly. It refused to do, and it stated that it would make notations to the account that it was still processing my loan cancelation application. 

On XX/XX/2021, XXXX emailed me and said that it needed a " certification of employment '' from my previous employer. Not even 24 hours later, it mailed me a notice saying that it was denying my loan cancelation application because it was incomplete ; it had not given me ample time to send in a response to its XX/XX/2021 email. I sent the " certification of employment '' and asked UAS to confirm receipt ; it never did. And so, I called it to check on the status. During this phone call, I was told that it never received it. I, also, was told -- despite asking for, and never receiving, a clear directive as to what it wanted to be included in the " certification of employment '' -- I need to update my letter to included the fact that I was a full-time employee during my tenure at my previous employment. Apparently, UAS was too bothered to look at my previous submissions of employment to show that I was a full-time employee. 

Putting aside my ever growing rage for the incompetence mill that is UAS, I did all of this and it finally sent me a email confirming receipt of my " certification of employment ''. Again, UAS kept telling me that I need not make payments to my loan because it will backdate my account and I should not worry. Well I am really worried, because its lack of action has real word consequences as I am currently delinquent on my payments and it is showing up on my credit report. 

Moreover, on XX/XX/2021, I received a letter from the loan provider and my XXXX matter, University XXXX XXXX XXXX ( " XXXX '' ). In the letter XXXX, threatens that if I do not bring my account current that it will take negative actions against me. I worry that, even though I am doing what I am supposed to be doing, UAS is going to cause my account to be charged off and XXXX is going to take legal action to collect on this loan.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (IL)

Truist BB & T incorrectly reported a late payment to each credit bureau which is shown on my credit report. The company claims that everything is accurate on their end, and verified that each payment has been made on time. I have filed a dispute through the company as well as directly with each bureau and each time Truist BB & T claims the information is accurate when it is not.
Consumer complaint received 2022-12-05
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. (AL)

I consistently check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct.This has damaged me and held me back for some time. I'm demanding the CFPB to enforce the correction and/or deletion of these items. XXXX XXXX account # XXXX has inaccurate last reported. Inaccurate date last active.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-03
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)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS. I HAVE ALSO FILED FTC REPORTS WITH PROOF.
Consumer complaint received 2022-11-03
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. (SC)

According to the Fair Credit Reporting Act these accounts have violated my consumer rights under 15 usc 1681. 
The listed accounts below have violated my consumer rights under 15 USC 1681. 

XXXX XXXX  Account # : XXXX Amount ( s ) {$16000.00} {$25000.00} XXXX XXXX XXXX Acct # : XXXX & XXXX Amount ( s ) {$22000.00} {$22000.00} XXXX XXXX  : Amount ( s ) {$100.00} {$240.00} {$300.00} {$240.00} 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 2023-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

This loan was already paid and I am asking for proof that it is not. From my understanding it was paid off with a surety bond when the loan was defaulted. I am asking for the contract with my wet signature and if can not be provided I would like this loan to be removed from my consumer reports. I do not owe this company and they are negatively reporting on my consumer report which in turn is causing me to be denied credit.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity. 
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved.
Consumer complaint received 2023-08-16
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. (MS)

I submitted a complaint last XX/XX/2023 and some fraudulent items got deleted but there are still a lot who is reporting on my credit that needs to be deleted. I submitted a complaint again dated XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that they will all deleted because there are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

i XXXX XXXX, natural person am submitting a dispute on my own with no help of anyone, my dispute letter is attached plus proof of violations please see attachments. 

XXXX you are also in violation of 15U.S CODE 1681N CIVIL LIABILITY FOR NON-COMPLIANCE YOU ARE ALSO IN VIOLATION OF 2. 15 usc 1681 e ( B ) 3. 15 U.S. Code 1693a ) 4. : 15 usc 1681 ( a ) ( 4 ) 5. 15 usc 1681b ( a ) ( 2 ) 6.15 usc 1681a- ( e ) YOU STATED IN YOUR LAST RESPONSE : " VERIFIED AS REPORTED '' IT IS CLEAR THAT YOUR COMPANY DECEITFUL AND YOU HAVE NO LEG TO STAND ON, LITIGATION HAS BEGUN AGAINST YOU
Consumer complaint received 2022-11-03
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions