davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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 to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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. (IL)

Ive submitted disputes to the reporting agencies and I get nothing in return and when I call they hang up on me or refuse to transfer me to the right department
Consumer complaint received 2023-02-08
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. (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 10 months to no available. I have been disputing 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 2023-02-08
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

I purchases two items from Express with my Express credit card ( ending in XXXX ) via Comenity bank on XX/XX/XXXX in the amount of {$99.00}. The order # was XXXX. It was a sweater and a pair of pants. I received the order and promptly returned the items on by creating a return label on the websites online portal on XX/XX/XXXX. I then received an email on XX/XX/XXXX stating my return had been processed and I should see the amount of {$99.00} refunded back to me within 7 business days. I did not receive the credit. I reached out to the the company on XX/XX/XXXX and XX/XX/XXXX, they told me to give it up to 3 weeks. I also called and opened a dispute via phone. I now recently received a letter closing my dispute as they claim to have no record of receiving the return, even though I have an email from them acknowledging the receipt of the return. I have also now been charged interest on these items, which they also assured me would not happen while my claim was being investigated. I have also now written them a letter with the attachments I have included here, including their acknowledgement of receiving the return. 
I want my credit of {$99.00} and the interest I was charged returned to me.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMPQUA HOLDINGS CORPORATION (WA)

President Biden spoke about this issue with bank overdraft fees in his State of the Union address last night. It is an unconscionable practice that preys on the low income and disabled population, who are least able to navigate it. Biden said that credit card overdraft fees should be {$8.00}, instead of the much higher fees currently charged. 

My son XXXX XXXX XXXX XXXX, who has a XXXX and no income, has overdrawn his Umpquah Bank account and has incurred {$770.00} in fees. The account was opened when XXXX was in residential care in XXXX XXXX XXXX in XXXX 

XXXX moved back to XXXX in XXXX and overdrew by {$650.00}, and in XX/XX/XXXX and incurred 5 overdraft fees of {$35.00} = {$170.00}. I called the XXXX XXXX XXXX XXXX ( XXXX ) branch of the bank and was told that some of the fees could be refunded if we brought the account to a XXXX balance. We brought this to a XXXX balance on XX/XX/XXXX - and only one fee of {$35.00} ( of the {$170.00} ) was refunded. 

XXXX overdrew again in XXXX with a XXXX charges of {$88.00} and {$44.00}. XXXX did not know that XXXX kept trying to charge the account and he incurred 17 charges of {$35.00} = {$590.00}. 

XXXX XXXX, the bank manager at the XXXX branch XXXX has been helpful, but unable to refund any of the fees. XXXX called XXXX XXXX, the branch manager of the XXXX XXXX branch, and XXXX said will refund {$150.00} of the {$730.00} in new overdraft fees if we bring this to XXXX balance again. XXXX is at the branch on XXXX XXXX XXXX, XXXX XXXX, ID XXXX, XXXX. 

The balance is negative {$1000.00}, of which {$770.00} ( minus the {$35.00} refunded ) are fees. We are unable to bring it to a XXXX balance again because I am unemployed, and my husband is retired. 

XXXX was going to a local branch of the bank in XXXX, and that branch was closed down in early XXXX and XXXX did not have a branch that was close by to where he was living. He was therefore unable to deal with this issue in person.
Consumer complaint received 2024-01-25
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. (GA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX CARD XXXX Balance : {$5000.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$4300.00} XXXX  XXXX XXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (IL)

( XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XXXX, XXXX ) XXXX  XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( XXXX XXXX, XXXX ) XXXX XXXX Please remove these inquiries from my Equifax Report
Consumer complaint received 2023-02-09
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXXXXXX Balance : {$700.00}
Consumer complaint received 2023-02-09
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. (FL)

This is one 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 ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2023-02-09
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. (FL)

Reinserted a collection in the past due amount of {$430.00} also, a opened date of XX/XX/2022. This account was removed and resolved with previous assistance of a cfpb complaint and has been reinserted without my knowledge and or a written notice. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681i 5 ( B ) section states Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information ( ii ) Notice to consumer ( iii ) Additional information : written notice to consumer ( C ) Procedures to prevent reappearance ( D ) Automated reinvestigation system
Consumer complaint received 2024-01-25
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. (MS)

Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.
Consumer complaint received 2023-02-09
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. (AR)

I have a loan with XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$320.00}
Consumer complaint received 2023-02-09
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : 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 2023-02-09
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. (AR)

This is a follow up CFPB Complaint to the first Complaint I submitted requesting that you remove the Fraudulent accounts and information off of my Credit File under the provisions of the Fair Credit Reporting Act sectiob 605b. I have read that under the said Federal law, you are required to remove any account and information from my Credit File. Please have the disputed items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXXXXXX 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 XX/XX/XXXX. I am requesting that you remove the disputed items from my Credit File in accordance with the Fair Credit reporting Act section 605b. If you believe that the disputed items belong to me, please send me copies of proof of verification or any documents bearing my signature to prove that I own such items. Without these documents, immediate deletion of the disputed items is to be expected.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX XXXX XXXX website, I purchased 2 adult tickets and 1 child ticket from XXXX to XXXX XXXX XXXXXXXX XXXX. They quoted me upfront {$3700.00} but with my points, the price was reduced to {$2200.00}. Then on the next page, the price was {$2500.00}, a difference of {$250.00}.
Consumer complaint received 2023-02-09
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. (NY)

I discovered some inaccurate information in my credit report after looking into it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), the three credit bureausmust authenticate these items ( 1 ). ( A ). If no proof is provided within the specified time frame, it is unacceptable to classify these reporting items as unverified information. Specifically, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly look into the unverifiable items right away. 
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 2022-10-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (TX)

Car loan was responsibility of ex husband. Car was involved in an accident that totaled car in XX/XX/2020. Car loan was paid in full by insurance and/or XXXX. Company is still reporting recent charge off.
Consumer complaint received 2023-02-09
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)

This is one 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 updated : XXXXXXXX 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 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

At some point in the last month, CapitalOne bank inflicted a change to their online bill payment service from XXXX XXXX XXXX. This resulted in an abyssmal reduction of the usefulness and functionality of the online bill payment service, and neither company is offering support. 

XXXX XXXX  itself as being " fintech '' and " anti paper check '', noting that the very first result for XXXX in XXXX search is " XXXX scams '', and that they have no meaningful social media presence since XXXX and no one answers their phones. 

I set up a single online payment to my cable internet service provider on XX/XX/XXXX for the amount of {$110.00}, which was due XX/XX/XXXX. In the process of setting that up, the cable provider payment address information was prepopulated and I had to provide the account number. The screen informed that it would be processed as an electronic payment and paid within 1 to 2 business days. 

Instead, I learned on XX/XX/XXXX that my bill had not been paid and that they had mailed a paper check, guaranteeing that the payment would be received late. That notification came in an email. There is no indication of this in the online bill payment screen. The screen only says that the payment was made on XX/XX/XXXX, and the money was deducted from my account on XX/XX/XXXX. 

I contacted the bank on XX/XX/XXXX and was forced to go through their standard dispute process, to put a stop payment on the check and now the bank wants me to wait 10 business days to have the money credited back to my account for a basic theft that they enabled from my account. Now I also have to expose my debit card to yet another third party payee due to misleading bill payment information on the part of both Capital One and XXXX, in order to pay this bill on time. AND be denied the use of my funds for 10 business days for having to essentially pay this bill twice. 

I should not be penalized 10 days use of my money without interest or other consideration for 3 hours on the phone trying to resolve this issue and basically being told " too bad XXXX  customer, that is the process '' -- when it is the bank themselves that created the process and enabled this robbery. I do not give CapitalOne or XXXX consent to free use of my social security benefits. 

I was told that I could receive a " good will letter '' sometime next week that the bill was paid on time but processed incorrectly, but this does not solve the problem, and as far as I can see this bank does not have an ounce of good will to give. This was escalated to a formal complaint, but none of the managers I have spoken to at Capital One are willing or able to correct their own error in any way to benefit the customer. I do not feel that as a customer having been intentionally mislead about the banks service and process should be penalized 10 days use of my funds without compensation due to the bank 's own falsified bill payment process and intentional misinformation.
Consumer complaint received 2024-01-25
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. (IN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or resolve the following inaccurate accounts in my report : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

The lady at the bank told me it was not their job to File a fraudulent claim on my behalf or to cover me for any fraudulent activity on my account that I would have to hire somebody else that would help me.. then they closed my account I still have not given me my money that was in the account
Consumer complaint received 2020-06-11
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: Experian Information Solutions Inc. (NC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AL)

I reached out to Navient a year ago for assistance with lowering my student loan monthly payments and I was directed to complete the details through StudentLoans.gov for consideration. I was approved for a lower payment of approximately {$70.00} per month of which I paid {$100.00} each month on time. My time for renewal (  XXXX  ) came and again followed the same steps outlined by Navient to go through StudentLoans.gov. I submitted all of the details requested and one question that was asked was " was there an increase in income '' of which I answered " No '' because my income situation has not increased. I was approved for for income driven repayment, but my monthly amount has increased from {$70.00} to over {$220.00} of which I can not pay and is putting me in default. I need help to bring the monthly amount due down to something I can pay. I do not know what to do.