davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MD)

Around XX/XX/2022, I tried to deposit a check ( a safety deposit returned by my apartment ) into CITI bank. Two days later, I found out that my account has been closed. I called the bank and learned that they defined this deposited check as a fraudulent activity. They want me to provide a number for my apartment so that they can call and confirm the identity of the check. However, every legitimate number I provided to them was denied. They claimed that those numbers do not match their " public record ''. Instead, this check is cashed and held by CITI bank so that no other parties can cash it. After persistent calling every day, my call was finally picked up by the CITI bank USA fraud prevention department ( instead of the outsourced XXXX department ). The representative was able to verify with the issuing bank of the check that the check is valid. However, It was already about one month after the incident. They confirmed my current address and promised me to send the remaining amount in my account and the check ( that they thought this was fake ) to me. 

Two weeks have passed, and I never received a single thing from them. Due to a huge financial burden, I had to take a trip to New York, where I can visit a physical CITI branch. The bank manager helped me to call the CITI bank fraud prevention department and promised me that they will send out the two checks to me. Two weeks have passed, I still got nothing from them. Desperately, I tried to call them last week. After hours of waiting on the line for a representative, they keep referring me to other departments of the fraud department. More than 4 representatives told me rudely that they don't deal with this matter. I am out of options.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX I purchased a {$5.00} book on the XXXX XXXX XXXX as Paypal was offering {$10.00} to everyone who spent {$5.00} on the XXXX XXXX 

I purchased the book and sent Paypal copies of the receipt ( which was paid for via Paypal ), they have yet to reply nor credit me the {$10.00}. 

1 month ago I filed a complaint here against this same company for not allowing me to use my venmo account on a day I needed it, they company refused to provide any remedy and denied accountability, again. 

Today I am writing to illuminate petty harassments of the company, in their choices to ignore my correspondence and fulfill their obligations to their claims.
Consumer complaint received 2024-03-05
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. (NV)

An account fraudulently opened on my name by XXXX XXXX XXXX with account number XXXX. It is same amount and account that was removed previously and this company fraudulently misusing my info and trying to collect money fraudulently. Please remove this item from my credit report.
Consumer complaint received 2022-06-01
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 XXXX XXXX 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.
Consumer complaint received 2022-01-28
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. (WI)

On XX/XX/22 I sent Experian a letter by certified mail to remove XXXX inaccurate addresses that's currently reporting in my Experian credit file. Experian also disregard my request to send me credit reports to my physical address once an account is updated or a credit report is requested to be sent out.
Consumer complaint received 2018-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

This complaint is in regards to XXXX XXXX XXXX, a company that handles federal student loan repayments for the Dept. of Education. In approx. XXXX, I was told by XXXX XXXX XXXX that a company that I was considering working for was a qualifing company for their Public Loan Forgiveness program ( 120 income based payments ) .I accepted the job and started on their loan forgiveness program as time went on. I submitted yearly paperwork to maintain my qualifying status and was updated with paperwork stating how many qualifying payments had been made and how many were left.This exchange of information went on for years and is necc.to maintain qualification in their program.In XXXX, I took another job and finalized my paperwork with XXXX XXXX XXXX in regards to my previous employer and updated them with info on my new employer. I received paperwork in the mail soon thereafter stating that there had been a mistake made and that my previous employer was not a qualifying company but my current employer was and that they were terribly sorry for the inconvience. 
My previous employer was XXXX XXXX, I worked for XXXX XXXX a government agency contracted by Dept. of Labor. XXXX XXXX XXXX apparently did their research at the end of of my employment and found out that XXXX XXXX was a for profit organization. ( a non qualifier for the loan forgiveness program ) None of which, I knew anything about. I was misinformed at the beginning of this ordeal and am now being told that my otherwise qualifying payments are void. ( XXXX XXXX is a government agency and a 501 ( c ) ( 3 ) which are qualifiers per HR paperwork provided by XXXX XXXX XXXX ) This sort unethical business practice should not be allowed to happen. I am sending all the caloborating paperwork via fax and snail mail. I have spoken with XXXX XXXX XXXX directly and the ombudsman group of the Department of Education in regards to this issue but to no avail.
Consumer complaint received 2024-02-17
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. (CA)

This constitutes my fourth and follow-up complaint, underscoring my unfortunate victimization by fraudulent activities. I present this complaint to contest the inclusion of certain items in my file, directly stemming from criminal activity. The mentioned items bear no association with authorized transactions involving the acquisition of goods, services, or funds. I urge the expungement of these items from my credit file, as per the directives outlined by the respective bureaus : -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I have attached my new FTC report with reference # XXXX to this complaint.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX 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 XXXX XXXX XXXX. I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2022-06-01
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: Maximus Federal Services, Inc. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the Fair Credit Reporting Act the companies below has violated my rights. 

XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-10-17
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. (GA)

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. 

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  has violated my rights. Or a list of inquiries : 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 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the fair credit reporting act. XXXX 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.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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. 
XXXX Accounts 1. XXXX XXXX XXXX XXXX BALANCE SHOWN : {$7300.00} 2. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$11000.00} 3. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$4000.00} 4. XXXXXXXX XXXX XXXXXXXX BALANCE SHOWN : {$3000.00} 5. XXXX XXXX  XXXX BALANCE SHOWN : {$3500.00} 6. XXXX XXXX  XXXX BALANCE SHOWN : {$2200.00} 7. XXXX XXXX. XXXXF XXXX BALANCE SHOWN : {$10000.00} 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 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to demand removal of late payments from my account in accordance with us law. The FCRA reserves my right to privacy and in 15 usc 1681 section A2ai specifically states transactions and experiences are to be excluded from the report. I ask the all applicable laws be followed to preserve my right to privacy and credit worthiness. Thank you for your time and attention i hope you are well.

The accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-07
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: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express Gold XXXX XXXX credit card in XX/XX/2019. It came with a XXXX bonus mile offer after I spent {$2000.00} within 3 months. On XX/XX/2019, I satisfied the spending requirement when my credit card reached {$2000.00}. Attached are my first two billing statements that prove this. I've called AmEx XXXX times and they told me they have 8-12 weeks to put the bonus miles in my XXXX account, but that they 1 ) saw that I had met the required {$2000.00} spend limit within 3months of my open account and 2 ) that my offer does include a XXXX XXXX XXXX bonus. They told me they have 12 weeks from XX/XX/XXXX to pay the miles. XX/XX/XXXX was exactly XXXX weeks from XX/XX/XXXX, so on XX/XX/XXXX I had an online chat with AmEx. I was told that the marketing department has to review the matter, that I can not speak to them since they do not speak to customers, and that it would take 6-8 weeks for the XXXX department to review this. They said that they'd put a request to review the matter on an expedited basis and that I could try calling back in 3-5 business days, but since the XX/XX/XXXX holiday was coming up, I'd probably not get any result. As of today, XX/XX/XXXX, I still haven't received any bonus XXXX from XXXX. It has now been more than 13 weeks since I met my {$2000.00} minimum spend requirement.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I received no email notification about my Kohl 's store credit card until my account was 60 dpd and had been assessed a total of {$69.00} in late fees. I am enrolled in paperless statements. 

I received several marketing messages ( AT LEAST 1 a day ) during this time. Not a single statement or payment reminder. 

When logging into the account I could see the balance but had to dig into the PDF statements to find records of the late fees. 

Additionally, the customer portal does not allow for setting up auto payments. Or if it does, I couldn't find it when clicking through every screen in the portal. 

When calling their customer service they were happy to reverse the charges. I have had a Kohl 's credit card in the past ( since 2011 have had several cards ) and this is the first time this has occurred. I am submitting the claim because this is an unfair practice that can easily go unnoticed and result in cardholders paying late fees because the company failed to notify cardholders
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (MD)

On XX/XX/17, I submitted a complaint through XXXX regarding Credit Protection Association ( CPA ) in TX, which reported a collection on my credit report regarding an account. They agreed to delete it from my credit report and they did. However, last week I received a notification from my credit monitoring that CPA reported another, if not the same account that was deleted a year ago. 

I have not received any notice regarding the collection and I have the right to receive a notice and to be given a chance to validate the debt before Credit Protection Association reported it to the credit bureaus.
Consumer complaint received 2022-06-01
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. (PA)

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

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Date Opened : XX/XX/2014
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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

15 U.S.C 1681 section 602A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Date Opened : XX/XX/2014
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

I returned to school at the XXXX XXXX XXXX in XXXX to obtain my XXXX Degree when I was in my early 40s.  I took out student loans with the service provider being XXXX XXXX, then XXXX.  I have been a long-time government employee.  When I first learned of PLSF, XXXX misled and misguided me.  I later consolidated the loans with XXXX  over to the U.S. Department of Education, serviced by FedLoanServicing.  I had many conversations with FedLoanServicing about qualifying for PLSF and what repayment plan was required for me to qualify.

I was misinformed and misled by FedLoanServicing, and after several years of repayment, I was told that I was not in the correct repayment plan.

I recently retired in XX/XX/XXXX, and my income is considerably less than last year.  I need help in getting my student loan debt straightened out, if not forgiven.  The balance has increased so much that I cannot understand why or how.