davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX  XXXX - XXXX
Consumer complaint received 2019-11-27
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (GA)

Navient Department of Education ... Student loans are reporting past due and will not fix the reporting of past-due student loans. loans we consolidated during the time and have all been paid off! Paid off XX/XX/2019 {$63000.00} Loan # XXXX
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (VA)

On XX/XX/2021, I received an email from XXXX the issuer of XXXX XXXX XXXX about an offer where you receive {$30.00} in a form of statement credit if you sign up for a new XXXX membership before the end of the month, I signed up on XX/XX/2021. The terms mention that the credit should post within XXXX billing cycles. Since then my statement closed not twice but three times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I reached out to customer service in the first week of XXXX to ask why the credit hasn't posted even though it's been over 2 months since I fulfilled the offer and they promised it would post by my next closing date on XX/XX/2021. The credit never posted on XX/XX/2021 so I called on XX/XX/2021 to ask again and the XXXX mentioned that they will escalate it to a XXXX and I will hear back within 2 days. I called four days later on XX/XX/2021 to check the status and I was told that I will definitely hear something by XX/XX/2021, so I called late on XX/XX/2021 and I was told by a new XXXXt that no timeframe is determined for the response and to just hold so I pressed them by citing that I have called about this way too many times so they put me on hold and came back saying they are working on it and will call shortly with an update. I did receive a call less than an hour later but I couldn't get it so I called customer service again where the final XXXXt delivered the message that I should wait until the next statement closing date to see the credit post to the account.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My mortgage loan opened in XX/XX/2021 was initially with XXXX XXXX XXXXXXXX. They transferred my mortgage loan to a new servicer in XX/XX/2021, Carrington Mortgage. My mortgage payments to Carrington, since XX/XX/2021 have not been reflected on my credit report as of XX/XX/2021. My credit reports only shows mortgage payment up until XX/XX/2021, and there is no current mortgage loan from Carrington reported on my credit report. I contacted Carrington in XXXX, XXXX & XXXX with claims of waiting another month. They claim to have reported my payment history as of XX/XX/2021. My credit history shows no mortgage since XX/XX/2021 under XXXX XXXX  and this has been incorrect for 6 months.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Paypal banned my account. I comply with their legal agreements but they shutdown my account. According to paypal I violated on their agreement specifically, on sales of XXXX XXXX XXXX XXXX certain XXXX XXXX  or other products that present a risk to consumer safety. I did tell them that I did not use my account on XXXX XXXX But still they did not accept my reason. Please help me restore my account. Because I am using it on my business and I am having trouble on receiving money internationally because of what happened.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

The account was opened under an offer code XXXX where-in {$500.00} should have been deposited in case I fulfill the conditions of 2 direct deposit transactions which was done but the bonus was not credited till date. 


Also, I opened up a business account with them and they asked me to deposit some money in that account to make it active and when I did, the bank sent me a letter stating that they found some inconsistencies in the account info and they will not be able to process account opening. 

Post that, the account was closed by the bank and no 3 days after, account suddenly got opened automatically and the money also got deposited from somewhere.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Have reach out multiple times to TransUnion XXXX and XXXX and the companies of the misuse information on my credit report under consumer law 15usc 1681B that I'm conclusive from the the experience of this and not inform of this information and should be removed from my credit file
Consumer complaint received 2021-12-22
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)

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-22
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. (TX)

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-12-22
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. (MA)

On XX/XX/XXXX I requested via certified mail that Experian investigate XXXX collection accounts on my consumer credit file. On XX/XX/XXXX, I received via email the results of their investigation. 
Experian concluded that the information supplied by the alleged creditors were accurate and updated one of the accounts with new information. 

By doing so, Experian denied me the right to validate both debts and violated my right to privacy under 15 US 1681b by discussing my non public information with the creditor ( s ). Experian also updated one of the account with information from the alleged creditor, pursuant to 15 us 1681a ( e ) this is also a violation of my consumer right. 
Experian continued to report the accounts while being disputed, a violation of 15 U.S. Code 1681 [ A ] [ 1.A ] I was not provided me with the description of the procedure used to determine the accuracy of the information or proof of theses alleged items ( contract or any instruments bearing my name agreeing to pay the alleged creditor ) Best regards, XXXX XXXX
Consumer complaint received 2021-12-22
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

On XX/XX/XXXX, Chime Bank closed my account without my approval. Requests to get information on the validity of closing account have remained unanswered. They only stated that a closure check would be mailed within 14 days. 

XX/XX/21, I informed the bank that I had not received my funds, and that I had moved to a new address. They asked for my last four digits of my SSN, front and back of ID, a selfie with me holding my ID and a piece of paper with todays date and name written, and a proof of address. I submitted the requested information. ( they would ask me to resend multiple times throughout this ordeal, and would change what they would accept for proof of address ) XX/XX/21, informed chime that I had never received the closure check. They asked for the above information, again so I sent on XX/XX/21. 

XX/XX/21 - requests to speak to a supervisor denied. Multiple instances of being hung up on with customer service. 

XX/XX/21 - Submitted information again. They replied that a closure check would be sent 7-10 business days. 

XX/XX/21 - Check still not received. Inquiries on status of closure check sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX have gone unanswered. Bank is now refusing to communicate and they still have not provided me with a closure check.
Consumer complaint received 2021-12-22
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. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2019-09-09
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. (CO)

XXXX ; XXXX  and Transunion are reporting incorrectly ( 120 ) days late on the XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this, however I have been unsuccessful.
Consumer complaint received 2023-01-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of/items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-22
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)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$250.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX & XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$600.00} XXXX XXXX XXXX XXXX Balance {$960.00}
Consumer complaint received 2021-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi! 

- Was working a forbearance plan with XXXX XXXX XXXX for few month. 
- Right almost at the end of the plan when I was about to start making payments again, my loan was transferred to another servicer " XXXX XXXX XXXXXXXX ''. 
- We applied again for the continuance of the forbearance for few more months, and right in the middle of the application and even within the 60-days of transfer of servicers protection they reported me delinquent. 
- Transfer of servicers rights happened on XX/XX/2021 and I was never ever able make payments to the new servicer via the web or the app as my loan was locked due the current forbearance with the previous servicer. 
- Bottom line I was locked for payments, applied for new forbearance and home help, they replied and asked for more documentations, and regardless of this, and besides the 60-days protection for servicer transfer protection they still reported me delinquent for XXXX ( late 120 days ) to the credit bureau hitting me with over 200 points negatively in my score. 

Also the number of days delinquent is wrong!!!! They are reporting 120 days ... .or hey are really missing some payments from previous servicer. 

Can you please help? they don't listen or want to help or advise.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is doing fraud by charging interest on a balance that does not exist. 
Please check attached for documents & see the details below. 

Beginning balance as XXXX XX/XX/2021. 
{$4200.00} This balance was paid in full on XX/XX/2021 Bank of America as other credit providers give 28 to 30 days grace period to pay the last billing period balance to avoid interest charge & balance of {$4200.00} was cleared on XX/XX/2021. 

Balance was paid in full within the grace period so NO interest must be charged. 

Beginning balance as of XX/XX/2021 {$3900.00} This balance was paid in full on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( XXXX partial payments ) Balance was paid in full within the grace period so NO interest must be charged. 

BUT : I was charged XXXX $ interest on XX/XX/2021 Undoubtedly, bank of America has manipulated the algorithm & this is happening at large scale embezzling billions of dollars. 

I also need to mention this fraud has happened a few times within the last few years & every time I call they say : Sorry it was a mistake!!!! 

XXXX $ XXXX XXXX innocent BOA preys = XXXX $ in just one month!!!!
Consumer complaint received 2019-11-27
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. (OH)

the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX