davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 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: NAVY FEDERAL CREDIT UNION (FL)

I DISPUTE THIS ITEMS OFF MY CREDIT REPORT. THIS ITEM WAS OFF MY CREDIT REPORT NOW ITS BACK ON MY CREDIT REPORT NOW ITS DAMAGING MY LOANS AND CREDIT IAM GETTING XXXX. THIS WAS NOT ON MY CREDIT. PLEASE BLOCK THIS ACCOUNT AND KEEP IT FROM COMING BACK ON MY CREDIT THIS IS THE THIRD TIME THIS HAPPEN. XXXX NEED REMOVE OR THIS ACCOUNT
Consumer complaint received 2023-01-26
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. (PA)

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : TU secured XXXX secured cXXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last payment XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Consumer complaint received 2023-05-22
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. (KY)

I had filed a dispute on the reporting of XXXX XXXX  account # XXXX stating that the dates were inaccurate. I feel they didn't do a proper investigation because they have the open date as XX/XX/XXXX and said that was verified how is that possible when I have the date showing XX/XX/2018. This is causing me stress because it just seems like their process is hopeless
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request a correction of the following information that appears on my XXXX, XXXX, TransUnion consumer report : XXXX, Account number : XXXX XXXX XXXX XXXX  AWD. The report shows I currently owe money a balance of {$2800.00} to your company that I has already been paid from XXXX XXXX XXXX on XX/XX/XXXX when the vehicle was returned. The vehicle was purchase from the dealership and as well as all payment obligations were also handled with buyer. Also upon viewing my credit report payment history was reported incorrectly. Payment history has not been reported from XX/XX/XXXX to XX/XX/XXXX and for the year of XXXX it is reporting I made no payments. With this inaccuracy reporting has hindered me from any lenders to deal with me. This is not fair to me at all!
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citibank XXXX XXXX Master card charged me interest for standard purchases even though I paid the full amount. I contacted Citibank customer service and they can not explain why I was charged the interest charge and refused to reverse the charge. The interest amount charged was {$56.00} on XXXX XXXX, 2021. 

My credit card was recently used fraudulently for 2 purchases in XXXX. I immediately notified Citibank fraud investigation. Citibank canceled my existing card number and issued a new card to me. However, Citibank keeps on insisting that I provide receipts for these 2 fraudulent purchases. I have made 6 separate phone calls to Citibank customer service explaining that these are fraudulent charges and I do not have any information or records of these purchases. Citibank still refuses to credit me for these 2 fraudulent charges.
Consumer complaint received 2023-10-21
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. (TN)

TransUnion has not updated my accurate credit report after my identity theft. The other credit reporting agencies have corrected them after I followed the process to correct my credit report. I have been unable to get anyone on the phone to help and their website is an impossible maze that is not user friendly, that always leads to a dead end.
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. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021XX/XX/XXXX
Consumer complaint received 2023-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NC)

Someone messaged me on XXXX selling and item. I asked questions about the item and when it would be sent. The seller answered my questions and put my worries at ease. Once I sent the money, the seller only responded once and I never heard from them again. The last response I got them stated, they would be shipping the item the following morning but that never happened. I messaged the seller numerous times trying to get them to send the item or refund my money. But that failed and never received a response. At that time the {$400.00} charge still showed pending on my Chime account, so I put in a dispute with Chime. Chime never once asked for any evidence supporting my dispute so I decided to reach out to them and get the email of where I should screenshots of the conversation I had with the XXXX seller that scammed me. I sent them screenshots of the entire conversation that included the agreed price, the date the seller said they would ship the item, my multiple attempts trying to reach the seller when they never sent the item. But even with clear evidence that I was scammed and with the charge still pending Chime denied my dispute. After that I looked online and saw that this was common for Chime and that they screw a lot of their customers out of their hard earned money or they don't protect their customers like other financial institutions. But according to Chime 's Terms of Services, they should have force charged the money back to my account once I submitted the evidence for my dispute because of how blatant it was that I was scammed. So Chime violated there terms of service by not doing what they were supposed to do in this type of situation.
Consumer complaint received 2021-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (WA)

I store my money in coinbase wallet with amount of XXXX and those money was unauthorized to send to a unrecognized entity in XXXX XXXX XXXX. The XXXX token it was sent to is XXXX. This fraud stolen was happening without any notice/alerts and my money is totally stolen. I have contacted coinbase wallet customer service and they said there is no way to revoke this transaction.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (NY)

Dear Sir/Madam I am reaching out to you as I am left with no option for help as this debt collection agency has hit my credit score without even interacting with me and engaging with me. 

I had gone to XXXX XXXX XXXX XXXX ( DC ) XXXX XXXX XXXX  back in XX/XX/2019 for a minor XXXX XXXX. I had provided all my insurance details ( XXXX ) and the hospital confirmed that they have all my details and the insurance will take care of it. After 3 months I got a bill of ~ $ 2k which I was asked to pay- I immediately reached out to the hospital and they mentioned that the insurance didn't pay. I subsequently reached out to XXXX XXXX  and they mentioned the hospital filed a late claim ( past the claim window ) but subsequently they did take a look and paid ~ $ 1k which they believed was what the hospital owed. I got a verbal confirmation from XXXX that everything is settled. 

Now 2 yrs later, I get this multiple chases from this debt collection agency ( Aargon Collection Agency, details below : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX XXXX XXXX XXXX XXXX  ) saying I owe them ~ {$400.00} from back then, I respond to them in a detailed email citing the history and ask them to sort it with the hospital. Instead they make a derogatory mark on my credit score and refuse to take it out while I am still interacting regularly with them. The agency also mentioned that they haven't yet spoken to all parties ( insurance, hospital etc ) but want me to pay up and refuse to take out the derogatory mark. This is extremely frustrating as I am an extremely disciplined person with respect to payments and have never missed a payment in my entire lifetime. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this. 

I have been requesting them to take the mark off while they investigate and speak to both the insurer and the medical company but Aargon agency has refused to do that. This case is an inaccurate payment which I am not required to pay and I would appreciate if you can help me on this.
Consumer complaint received 2021-07-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TX)

Had to file for bankruptcy due to financial problems. The mortgage loan, M & T Bank hold our VA loan. Ever since then the mortgage lender continues to increase my mortgage rates. They have not and will not work with me on any of this. They put my home in foreclosure status. I had to find help with a bankruptcy claim in order to keep our head above water. Have been out of work due to COVID and still they do not care. They keep increasing my mortgage amounts. This company does not work with anyone, they told me they want their money or they will foreclose on my home.
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Remove the fraudulent account listed in my credit file immediately, per the law ( FCRA 605b ), or face legal action. Provide documentation bearing my signature within 4 business days ; otherwise, delete the information. I do not consent to E-OSCAR or automated verification. I demand swift resolution to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please remove.
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (NJ)

Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their promotion campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$600.00} opening bonus as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the response I received from U.S. Bank and the promotion terms and conditions. Attachment XXXX confirms that I opened my new account with the promotion code and within the specified timeframe, well within the 90-day window. 

According to the terms provided, this promotion was open to customers using the XXXX promotion code but deemed ineligible for those utilizing XXXX XXXX. Regrettably, this policy regarding XXXX XXXX was neither adequately defined nor documented, leading to considerable confusion. To add to the confusion, despite opening the account through the XXXX XXXX XXXX the promotion code " XXXX '' was validated and recorded in their system. Additionally, the U.S. Bank customer representatives confirmed they acknowledged the presence of the promotion code on my account. 

To my dismay, I received correspondence from U.S. Bank asserting my ineligibility for the opening bonus, citing the XXXX XXXX. This contradicts the information provided during the account opening process and is a significant source of frustration. The practice of validating the promotion code through XXXX XXXX during the account opening process, only to later deny eligibility based on the same, is deeply misleading. This not only creates confusion but erodes the trust customers place in the bank 's communication and processes. 

I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!
Consumer complaint received 2023-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (IL)

My account is now split into 2 identical accounts. The only difference is that one has a balance and the other does not. I am owed a refund for money paid as a result of the XXXX settlement.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am submitting a formal complaint against XXXX regarding my student loans with account number XXXX. Despite receiving a 1099-C Copy B from the IRS, signifying a discharge of debt, XXXX persists in reporting an outstanding balance on my credit report. Moreover, numerous violations of federal laws and regulations have transpired concerning the management of my XXXX  loan data and credit reporting. 
The 1099-C Copy B, furnished by the IRS, denotes the discharge of debt pertaining to my XXXX  loans. This discrepancy indicates potential fraudulent activity and misinformation on my credit report, a concern corroborated by the attached documents. XXXX has infringed upon the Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) rights, which safeguard the privacy of student education records. Under FERPA, unauthorized disclosure of educational records to data furnishers is prohibited. The Privacy Act and FERPA, established in 1974, apply to all public or private elementary, secondary, or post-secondary educational institutions. According to 20 USC 1232g ( b ) and 5 U.S.C. 552a ( b ), agencies must not disclose records within a system without written consent, a protocol that was not adhered to in my case. 
XXXX has reported an outstanding balance on my credit report without my consent. Moreover, consumer reporting agencies like XXXX and Equifax have provided information regarding my student loans without my explicit authorization, contravening 15 USC 1681 ( s-2 ). The failure to inform me of my nondisclosure option, as mandated by 15 USC 6802, and the reporting of adverse information without my consent, as outlined in 15 USC 1681C ( a ) ( 5 ), are additional violations of the Fair Credit Reporting Act ( FCRA ). XXXX has also furnished inaccurate information to consumer reporting agencies, violating 15 USC 1681s2 ( A ) ( 1 ). 
XXXX, along with consumer reporting agencies such as XXXX and Equifax, have failed to uphold reasonable procedures to prevent FCRA violations and to restrict consumer report furnishing to the purposes delineated in 15 USC 1681b of the FCRA, as mandated by 15 USC 1681e. Furthermore, XXXX neglected to inform me of my right to opt out of their reporting services, contravening 12 CFR 1016.7. 
In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate action against XXXX and the implicated consumer reporting agencies. Additionally, I request that XXXX rectify the erroneous information on my credit report and desist from further reporting of my XXXX loan details without my explicit consent. 
Thank you for your attention to this matter. I anticipate a swift resolution.
Consumer complaint received 2023-02-08
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: Self Financial Inc. (IL)

XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also Self lender as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

Line XXXX XXXXXXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes