davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/XXXX, I signed up for TransUnion 's 3 Bureau Credit Reporting. I  have no recollection of the site plainly stating that signing up would be a recurring/subscription. What I was intending to purchase was one-time access to reports, i.e. a single charge for a single service. That was {$19.00}, and a transaction of that amount is fairly regular, so I did not notice the next 12 months of charges from TransUnion. I received no emails, no reminders, or notices of any kind that the charges were renewing each month on the tenth. From XX/XX/XXXX to XX/XX/XXXX, I have been charged a total of {$230.00}, only {$19.00} of which was intentional. 

I noticed these charges for the month of XX/XX/XXXX, on the night of XX/XX/XXXX, and then looked back to each previous month and saw charges from TransUnion. Navigating on the site, the option to " Get the full picture '' on a Credit Report and Score is one of the most prominently featured links. Clicking on that link directs the user to a page that requests {$29.00} for these services. At this point I don't know what it is that the recurring XXXX charges are for, since the original charge was supposed to be for access to a Credit Report and Score. 

I was unable to find a link to cancel the subscription while navigating within the site. A XXXX search found the page, but there were no links that I could find from internal site navigation. I submitted a cancellation for the subscription on XX/XX/XXXX, and received a confirmation of the request shortly thereafter.
Consumer complaint received 2023-01-23
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX 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 XXXXXXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-09
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: CITIBANK, N.A. (VA)

On XX/XX/2020, Citibank send me an email addressing me by my first name in the subject and in the email body, inviting me to apply for Citibank Reward+ card and to receive XXXX bonus ThankYou points. In particular, the email subjects reads : <FirstName>, we've enclosed details on our lowest intro APR plus XXXX ThankYou Points after qualifying purchases. Consider the Citi Rewards+ Card | Offer expires XX/XX/2020 I have got interested in this offer and applied for the Citi Rewards+ Card on XX/XX/2020. My application was approved, I received the card, and within two first billing cycles I fulfilled the offer terms. However, I did not receive the XXXX bonus ThankYou points. 

On XX/XX/2020, I mailed to the Citibank Customer Service an inquiry about the promised bonus and a confirmation of the offer I received. In response I received a letter dated XX/XX/2020, saying that " Special offers are not available when an existing account in the same product has been approved or closed with 24 months. '' I'd like to point out that : ( i ) I have never had Citibank Rewads+ card before I opened it in XX/XX/2020 ; ( ii ) I do have another ThankYou points earning card, but since the invitation email mentioned " a limited-time offer for our Citi cardmembers '',  this other card was a reason ( not an obstacle! ) for receiving the offer at first place ; ( iii ) the offer was addressed directly to me and mentioned my name ( even in the email subject! ), so I consider it a targeted advertizement ; ( iv ) Citibank knew the history of my approved or closed accounts with them, and it did not stop them from soliciting an application for Citibank Rewards+ card from me and offering me a bonus. 

All in all, I view the practice of calling my name and offering me a bonus and then denying it deceptive at very least. It is also misleading first to advertize " a limited-time offer for our Citi cardmembers '' and then cite the history of opened accounts as a reason for denying the bonus. 

My attempt to contact Citibank and explain the situation did not succeed, and therefore I file a complaint here.
Consumer complaint received 2020-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NC)

I opened a company business checking account with TD Bank in early XXXX. My office manager at the time also had a signature on the account. In XXXX, I turned over day to day operations to two others, though maintained my financial interests in the company, of course. 

Sometime later, unbeknown to me, my signature was removed from the account. The company suffered great losses as a result of flooding resulting from Hurricane Matthew in XXXX and ultimately failed following flooding resulting from Hurricane Florence in XXXX. All paper and computer records were essentially lost although I do have bank statements. 

In my ensuing attempts to obtain detailed transaction information, especially check payees, in order to complete financial reporting per my fiduciary duty and regulatory requirements, I have been denied by the bank repeatedly in spite of presenting copious evidence of my obvious entitlement to the information. 

TD Bank states their banking policy requires that account information may only be provided to people with signatures on the account. They have no policy to protect an account holder from having their signature removed from the account without their knowledge or approval. I have provided copious documentation illustrating my ongoing interest in the company. 

Furthermore, they have been increasingly unresponsive to my inquiries leaving me no other options short of expensive litigation to obtain information I am entitled to. I have been dealing with this for well over a year now, and the delay in filings because of this is no doubt going to result in significant penalties and interest when this is finally resolved.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC ()

Capio partners continues to send us debt collection notices in the mail and call to harass us saying we owe money to urgent specialty associates. I have talk to the billing company affiliated with them on three different occasions and they say that they did not sell them the debt and they dont even use them as a collection agency. They have also told us three separate occasions that we do not owe anything to them. We have provided this information to Capio on several occasions and they still continue to call us send us notices and harass us to send them a check in the mail. They have never been able to confirm the doctor trying to collect the debt or the service that was rendered regarding the debt. This is very concerning. We believe this is a fraud and we will not send money to anyone that just asked us for money without confirming with the doctor that we owe.
Consumer complaint received 2019-12-30
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. (MO)

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXXr XXXX XXXX {$400.00} 5 ) XXXX XXXX  XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX   {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-12-30
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. (MO)

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXX XXXX XXXX {$400.00} 5 ) XXXX XXXX  XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX   {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

My original mortgage company XXXX filed bankruptcy and now shellpoint mortgage has taken over, and today I continue to follow up on having my account reflect the accurate amount I have paid since this transition & even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid anything I have called and called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse to update it & provide me an updated bill because they said they a debt collector and they trying to illegally take my home on false information for XXXX that they claim is past due which isnt. Please help. I have provided proof within my emails to them. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail saying Im in default when they have evidence that my mortgage should reflect current. They now have me on hold for long periods of time which is more than 30 minutes. They have NSF charges on my account but I paid by money order. They keep giving me misleading information verbally but in writing the direct agent sends emails as if hes been trying to reach me or excuses of why he didnt contact me but the entire time my phone is by my side and my daughter is also on my account with authorization to speak with them. Ive been threatened that they are taking my property since XX/XX/2019 but I have provided proof of XXXX, XXXX, & XXXX payments that were paid by money order but there system reflects NSF charges reflecting my payments bounced how do money orders bounce. 

They keep telling me to pay again because they didnt receive everything from XXXX but I provided proof of my payments nor did we receive anything in a timely manner of when to start paying Shellpoint. I paid XXXX & XXXX to XXXX when I was notified I sent XXXX to Shellpoint & XXXX payment isnt reflected on the account either and reflecting NSF when it was paid by money order as well. I provided proof still no update but I keep getting demanding letters and certified mail but they have proof.
Consumer complaint received 2019-12-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GRANITE STATE MANAGEMENT & RESOURCES (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have a Bluebird by American Express debit account. It has been open and in good standing since XXXX. My wife and I use this account as our primary banking for our family and her paycheck is direct deposited every 2 weeks. Yesterday ( XX/XX/XXXX ) her check of {$1200.00} was deposited. After several transactions for the day, the account was last known to have a balance of between {$900.00} and {$1000.00} ( estimated after a XXXX purchase made online ). As of XXXX this morning ( XX/XX/XXXX ) the app would not allow me to log in and the website server was down. I attempted to get gas and use the atm with my Bluebird debit card, and was declined at the register and atm. I have attempted to call every few hours to customer service and only received an answer twice. Both times I was told to call back in 1-2 hours. The website did load around 9am, however states that the website is not functioning properly and accounts can not be accessed online, but cards are still able to be used. This is not true. Any transactions I have attempted have been declined. All communication via XXXX from American Express is met with an auto response that they are aware there is an issue, and they are working to fix it. They also state your funds are safe. It was been 7 hours from the time this problem began, with no statements made by American Express, no attempts to console their very scared and distraught customers and no ETA for when the problem may be resolved. I am terrified our hard earned money will not be in our account when/if they ever resolve this issue. I have a family to take care of and provide for, we need food and gas desperately. XXXX being 5 days away does not help this horrible situation.
Consumer complaint received 2023-05-09
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. ()

These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL (NC)

I have an account with Paypal Credit. I have multiple Promotions on the account. They do not have a way to allocate your payments online so they tell you to chat or call in. I have a promo that ends XX/XX/XXXX so I wanted to pay it off so I do not have to pay any interest. I got on chat with two different people. I was told to make the payment and they would allocate it. Once I made the payment they told me that the payment would go toward next months bill and I had to pay more if I wanted to pay off my promo and not be charged any late fees.This is just not right. They do not want you to pay off the bill so they can charge you fees. Something needs to be done.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I had a joint business account with my now ex husband. He went into Wells Fargo and bullied a worker, XXXX, to take my name off the account. My permission was required to take me off this account. They didn't have my permission. When I went in to put my name back on they said I would need his permission to do that so I couldn't get back on that account. XXXXXXXX XXXX actions cost me access to my money.
Consumer complaint received 2023-11-27
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: Experian Information Solutions Inc. (TX)

I am writing to express my continued concern and disappointment with the unsuccessful outcome of my second attempt to correct late open accounts on my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the inaccuracies persist on my credit report, negatively impacting my creditworthiness and financial standing. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the late open accounts persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited correction of the inaccuracies related to the late open accounts on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to correct these late open accounts in my credit file : OAG CHILD SU XXXX Balance : {$25000.00} ; OAG CHILD SU XXXX Balance : {$72000.00} ; ATTYGENERL XXXX Balance : {$72000.00}.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

Greetings CFPB : Thank you for receiving my complaint. This message is about a closed revolving credit line still reported as open. 

I opened a revolving credit line with XXXX ( IL ) in XXXX, called " XXXX XXXX '', and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by their own reporting ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I receive warnings from my financial advisor that the number of accounts on my file is a problem which is lowering my credit score. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with XXXX directly, and also disputed it with the credit bureaus, to no avail. XXXX reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX