davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

They called my wife from a new number, she answered, let them know we get bonuses at the end of the year and can pay then. He ( XXXX XXXX stated that it's being marked as a refusal to pay and that we could fill out a hardship form to avoid this. She stated she'll call them later in the year when we can pay and hung up. 

Following this conversation, her cell was then called 4 times, my cell 3 times including once where I confirmed it was Genesis and asked they stop calling, text both cell phones, then called my work line - this all occurred starting with the first conversation at XXXX and ending with my " conversation '' with XXXX on my work line at XXXX. I was certainly frustrated with their tactics by this point and told him, roughly, in no uncertain terms, that he could do what he needs to do, but don't call again today, we can pay at the end of the year. 

The calls finally stopped after this last conversation. I was left so stressed by the event that I felt the need to take action, potentially even with a lawyer in the near future.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove. 
XX/XX/XXXX XXXX XXXX - I did not authorize this inquiry. Please remove.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (IN)

I received an alert from multiple credit reporting agencies that a hard application for credit in my name was submitted by CHASE BANK. I called Chase and told them it was not my application and to not issue credit and asked it be removed. After I validated my information and identity they confirmed there was an online application submitted. I asked them to remove it and they said it would take 30-60 days to process. I also then called the three main credit bureaus to also report the issue. 

FYI I had a credit fraud alert on my report since XXXX and it was current through XXXX. I extended that alert statement. 

XXXX said I needed to file a police report or FTC report and then upload the report into to their system to remove the inquiry. I went to FTC and it referred me to the CFPB.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I have some unauthorized inquiries on my report that I don't recognize. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (TX)

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2019 as if this medical account belongs to me it should have been paid for by my insurance. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that may not be mine and should have been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account is mine and was not paid for in full by my insurance and that all information is correct.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My husband gave me a 4 gift cards for {$250.00} from XXXX XXXX XXXX & someone got my number & used one at the Saks in XXXX XXXX XXXX on XX/XX/2018. I called the asset protection & they are not being much help. The New York store does not seem to know how to investigate in this matter. 

The other 3 cards were used on XX/XX/2018 in XXXX XXXX. They were very helpful & already got the persons name. Theyre sending me a new gift card for {$750.00}. 

I hope you can help me get my {$250.00} gift card back from the Saks in XXXX XXXX XXXX & find out what happen. 

Thank You
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2022-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (TX)

My loan service EdFinancial are terrible when it comes to requesting a refund for student loans payments made during the pandemic forbearance. Every individual that made student loan payments during the pandemic has a right to ask for a refund and should get it. I asked for a refund ETA and they gave me the run around and said they don't know when they will get me the payment. They also said they will not send out confirmations that they've submitted for a refund on my behalf. Not even an email confirmation. That's ridiculous and very frustrating especially since there is a lot of uncertainty. I feel like EdFinancial are lying and don't want people to get their refunds back. It shouldn't take that long. This is just ridiculous. I should get refunded exactly this amount : {$1000.00}
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (GA)

I bank with Truist. Each week I deposit my pay check instead of using direct deposit. I have done this for over 3 years with no problem. Last week, without notice, Truist placed a 10-day hold on my paycheck. When I inquired why this happened, they could not give me an answer other than that " the algorithm flagged '' my check. They then assessed an NSF charge against my account. When I complained they notified me that, when the check clears, I can request a refund of the NSF charge. It seems to me that this is an attempt to illegally generate bank fees. Although I was able to come up with money to pay my bills during the " hold '' period, not everyone is so fortunate. Moreover, they have charged me an NSF fee although it was their actions that caused the insufficiency of funds and will only refund it upon request. This appears to be an unfair business practice designed to prey upon the ignorance of those most at risk of financial difficulties. One must wonder how widespread this practice is and how many tens of thousands of consumers it has, and continues to, affect.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX  XXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. The above 2 accounts have been removed from report but suppose to be open
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IN)

I made a {$1000.00} payment to our discover account credit card over a week ago. Today, the account still doesn't have the proper balance updated along with the proper credit being updated. We have called the Discover Bank about 10 times in one day. Every time resulted in us getting hung up on mid way through the call. The representatives are very unprofessional. They are saying I won't be able to access the credit for the payment until another 8 days. This is ridiculous and doesn't make sense. They have already takened the money out of my account but won't confirm with the bank that my payment has already cleared so they can un-lift the available credit. Quite honestly Discover has taken my money and isn't acknowledging my credit for it. We are being dicked on side ways by this company and feels like we have no help. It appears I we will need to elevate the our concerns any way we need to get this issue resolved ASAP. We are also closing our account with discover afterwards and I am also looking into law suit possibilities. I want someone help accountable for this unprofessional act. I am not done with them yet.
Consumer complaint received 2023-03-14
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. (MN)

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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have violated my rights. 

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

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

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Consumer complaint received 2022-12-25
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. (TN)

XXXX XXXX XXXX sent me an email on Thursday, XX/XX/2021 stating that " Your XXXX XXXX is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( XXXX XXXX XXXX XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.
Consumer complaint received 2022-09-13
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate. 

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose. 
15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the XXXX  loan WAS PAID off and the XXXX  loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact Experian. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.
Consumer complaint received 2019-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (GA)

I had a debt of {$28.00} with XXXX XXXX. XXXX XXXX offered to reduce this to {$8.00}. However, XXXX XXXX said the debt was in collection. When I called the collection agency -- Professional Account Management -- the agency refused to lower the amount to {$8.00}, as XXXX XXXX had. I tried many attempts and the representative, XXXX, refused. He refused to let me speak to a supervisor. He even offered to pay it himself. When I took him up on this offer, he declined. The call was being recorded so you may check for yourselves. This was unfair and predatory. I should have only had to pay {$8.00}. I want my money refunded.
Consumer complaint received 2019-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Dear CFPB I am writing to assist me to reopen my credit card that was closed what card issuer claims due to returned mail and not verified address. I applied this card 2011 and since then i did not change my address. I called card issuer was told that mail was returned and its flagged by system and they couldn't deliver my new card when old one expired.

Card issuer had my email address and my phone number and i did not receive any phone call or any email from them that they can not deliver my new card. I never changed my address i can only guess mail returned only because maybe usps delivery guy made mistake and couldn't deliver it properly.
Consumer complaint received 2023-06-13
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/ ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX*Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy DateFiled/Reported : XXXX Reference # : XXXX.
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (FL)

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. 

Personal Information XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX  XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Addresses XXXX XXXX XXXX XXXX XXXX FL XXXX 15 USC 1681 section 602 A. 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 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make and consumer report containing and 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 1681s-2 ( A ) ( 1 ) A person shall not furnish and information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-15
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. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy. 
XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  - XXXX XXXX ) Dept. of ED/XXXX - XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of ED/XXXX  -Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  - Acct # XXXX XXXX ) XXXX  XXXX Acct XXXX XXXX X XXXX ) Dept. of EDXXXX - Acct # XXXX XXXX ) Dept. of EDXXXX - Acct # XXXX 15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 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 reporting 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 2022-10-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation (FL)

Applied for the ARM XXXX mortgage with HomePoint Financial through XXXX who works with many lenders. I was supposed to close on the mortgage on XX/XX/2022. I had submitted every single requested documentation and I was told by my contact at XXXX everything is good to go. On XX/XX/2022, 2 days before we were supposed to close, XXXX came back saying they didn't have all the documentation and that I did not have the full amount in my checking account that would cover the closing costs. This is absolutely incorrect because I had submitted my transaction history and it showed that I had the money to cover the closing costs. My house as also closing on the same day so my contact at XXXX came and said we need to wait until my house closes and get the money to show that I do have the money for the new house. This process took 1 week to complete. The new owner of my old house charged me {$100.00} per day to stay in my old house until I closed with the new house with XXXX. I had change all my scheduled dates for everything. The movers I hired could not change it until the following Friday, XX/XX/2022. It cost me {$1000.00} total to stay at my old house until I could move into the new house. I hold both HomePoint and XXXX response for the additional undue cost that I had to pay because they did not do their job.
Consumer complaint received 2019-07-14
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. (NC)

The 3 Credit Reporting agencies, especially TransUnion, are not properly investigating and removing disputed items from consumer 's credit reports. 

Consumer 's feel that the entire Credit Reporting industry is one big scam and it exists to serve Banks, Lenders and the 1 % only. There are so many corrupt practices in this industry to skew things in the Lender 's favor. There is no other system which the Consumer has less rights - where is the CFPB?

We would like the CFPB to start investigating and holding accountable the entire Credit Reporting system - we'd like the CFPB to start shutting down this system in favor of one that serves the consumers, not solely the Banks/Lenders/1 %.