davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My Bank of America credit card was closed on early this year because I was not making my payments. I contacted Bank of America through letters stating that I was going through a  financial hardship and they still closed my account as well as keeping 4 late payments on my account. For the months of XX/XX/XXXX to XX/XX/XXXX I was struggling to make my payments because of my financial situation back then. I have been a loyal customer with Bank of American since XX/XX/XXXX. For them to close my account and not waive my 4 late payments knowing that I was going through a financial hardship is not great customer service but terrible.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (GA)

On XX/XX/, I submitted a letter to the Consumer Financial Protection Bureau about the late reporting error being reported by the creditor, American Credit Acceptance. 

According to their response, my XXXX payment was 19 days past due as of XX/XX/, but on XX/XX/, they reported my XXXX payment as 30 days late, which reflects their error in reporting. 

According to the payment report they submitted to the Consumer Financial Protection Bureau, my payment was made on XX/XX/, and was 10 days late. 

Not only did they report my payment as being 30 days late, but the error in their reporting caused my credit score to drop XXXX points. 

On XX/XX/, I submitted a reporting dispute with the credit bureaus, XXXX, XXXX, and XXXX to have their error corrected and on XX/XX/, American Credit Acceptance updated my credit file to reflect my XXXX, XXXX, and XXXX payments as " unknown '', added my current payment status as " 30-59 days late ' and added a note on my file which reads, " affected by natural disaster '' which this inaccurate reporting caused my score to drop even more. 

The erroneous information remains on my credit report in violation of Federal Law.
Consumer complaint received 2018-09-30
Product: Mortgage — Other type of mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENTAGON FEDERAL CREDIT UNION ()

I browsed online to XXXX XXXX XXXX, following an advert online XXXX XXXX ] and was unable to file an application for a credit card notwithstanding receiving advertisements for application where my email address is being blocked for some reason. 

The web-based email address is XXXX hosted by XXXX XXXX a US-based technology company quoted on the XXXX XXXX so providers need to sort out these market-based oligopolist issues between them. 

Misleading advertising is in breach of law when liaising with customers within the XXXX XXXX and we trust you work towards better standards eventually.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

I had filed a complaint before with CFPB about fraud and identity theft using reporting and selling my data and information without my written consent from me. It is called fraud and Identity theft when your information and data are gathered stored sold and that information is making you be seen in a bad light. My privacy is important and should not be sold by an agency to all to examine. My name and any derivatives of it are copyrighted on the public record and can not be used unless written permission with my wet signature. No Credit Reporting Agency, XXXX, Equifax, XXXX, XXXX XXXX XXXX XXXX or any other corporation, court municipalities, Federal, or State is allowed to use it without my wet signature, Debt collectors that have been given and sold my information have violated my privacy.
Consumer complaint received 2017-07-31
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. (LA)

After reviewing the new law which became effective XXXX XXXX, 2017 and public record data must include the name and address as well as a social security number or date of birth in order for it to appear in my credit file. The Credit Bureaus have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report immediately.
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BETHPAGE FEDERAL CREDIT UNION (NY)

At the start of the pandemic, end of XXXX of XXXX, I called the leasing company to make a payment for XXXX of XXXX and was told by an agent who took my payment over the phone ( at their company ) that my leasing company that due to the pandemic, they would defer my payments for 4-6 months. I went through a series of questions and was told it was being recorded to which I agreed to everything and at the end of the phone call was told nothing else needed to be done on my end and to stay safe. 

Come XX/XX/XXXX, I was speaking with a friend at his place of business and there was a gentleman outside who hooked up my car and told me it was being repossessed for non payment. He gave me a number which led to about 5 other numbers and calls to get in contact with someone. 
After wondering why my car was being taken away, I was told me there was no documentation on the deferment and said they would give me the car back only if I paid {$47000.00} something the remainder of the car. Which made no sense because it was a lease. 
I asked to speak to a supervisor and within two days someone called and told me that I had to pay the full balance on the car. I was never late EVER until COVID. 

I actually offered to pay the 4 months I was behind and another 2 months forward. They declined and told me that they would accept the {$47000.00} plus payment to release the car. When I asked why I was never called about any matters to being denied of this deferment and was informed they were calling my ex husband, my mother and my daughter 's cell phones to which NONE of those numbers were listed on my account when I signed up for the lease! 

On XX/XX/XXXX, at XXXX, a woman named XXXX XXXX XXXX and asked me what happened ONLY after I replied to an email ad I received from Bethpage Financial. I told her the whole story to which she told me the way the situation was handled was incorrect and she would look into it. 

She never got back to me and neither did anyone at BethPage. But they posted a repossessed on my credit which I had worked tirelessly after my divorce to improve and NEVER was late on any payments. 

COVID was and still is a financial disaster. So many hard working people are penalized and have lost everything they own to this pandemic. I tried to make a deal with them and keep my car which I loved so much. To no avail, only to be penalized and had my car taken from me.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

There is no timeframe mentioned on when a Deposit on Demand Account may be closed with a XXXX balance. Consumers should be informed that have to keep at least a balance ( whether it is {$0.00} or more ) before restricting services. Without this expressed in writing, I emptied my bank account on XX/XX/XXXX. My next direct deposit would XX/XX/XXXX. My account statement cycle ends on the XXXX business day of every month. 

On XX/XX/XXXX, I sent a payment of {$27.00} through XXXX to another account from my personal Regions Bank checking account. After I sent the XXXX payment, my account balance was XXXX. My direct deposit was not expected to be delivered into this account until XX/XX/XXXX. I have this account established solely in my name and the account is over 5 years. I was told on XX/XX/XXXX that XXXX account was not in an open status. 

XXXX, a personal banker from Regions XXXX by phone, said my account could not receive a XXXX payment of {$25.00} on XX/XX/XXXX. XXXX said my account status requires me to go into a Regions bank location or use my debit card at a ATM to deposit because I left my account at a XXXX balance. 

I asked XXXX to send me a copy of the deposit account agreement. She said she could not because Regions does not do that my phone. She transferred me to another personal banker named XXXX to further assist me. XXXX confirmed that Regions could not mail the Deposit Account Agreement by phone request. After looking at my online banking, I finally obtained the current copy of the Deposit Account Agreement. In it's 78 pages revised as of XX/XX/XXXX, no where in the agreement does it state Regions reserves the authority to " soft close '' my account because I emptied my funds.
Consumer complaint received 2022-05-31
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. (FL)

IN RESPONSE TO CFPB:XXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.
Consumer complaint received 2022-05-31
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. (TX)

On XXXX I reported that I have unauthorized inquiries on my credit report : XXXX XXXX, XXXX XXXX XXXX, XX/XX/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 I have a filed FTC report that I've mailed and faxed to Equifax along with this complaint an they said they VERIFIED that these belong to, but they don't and have a fraud report filed.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/22 My XXXX XXXX account was hacked and my debit card bank of America was attached. So there were 3 transactions and 2 went through {$990.00} and {$700.00} and {$280.00} were declined. Money was sent to XXXX. In XXXX XXXX they explained me only Bank can help me. I did everything from my end. police report but bank denied my claim 2-3 times. Moreover they didn`t even try to investigate what they supposed to do police told me. the time the claim was open not more than 1-2 weeks. I sent them all profs from my email how many times they changed my XXXX XXXX account for 2-3 hours. And that bank of America sends me account alert on my phone only in 8-9 hours after transaction was made. I already complained on it too. But they said there is nothing they can help me with. Under regulation E they have to give my money back. But I never receive it back
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi - My bank authorized $ XXXX to be taken out from my account on XX/XX/22, the teller obviously did not make proper questions nor screened the individual before giving away the funds. I have possession of my debit card and pin as well as my driver license and I can not imagine what was asked to identify for this transaction. Besides the monies withdraw was in an are where I have never been before.
Consumer complaint received 2022-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Finkelstein, Kern, Steinberg & Cunningham, PC (TN)

On XX/XX/XXXX I received a call from Finkelstein Kern Steinberg & Cunningham of XXXX TN threating me with further legal action if I dont increase my payment on a judgment that I pay on monthly. The judgement was entered on XX/XX/XXXX for two accounts. They were setup on a XXXX XXXX  monthly payment for each account. I was never told this was temporary. I was able to pay one account off last month. Now they are demanding I restructure the agreement to pay more. I am currently unemployed and can barely make the {$50.00}. I have most months since judgement paid more than agreed never late nor missed.
Consumer complaint received 2021-08-23
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. (CT)

XXXX  XXXX XXXX, During the time my loan was in deferment I was reported to the credit bureaus that was late on payments. I had to call the company and straighten it out each time. I had to dispute this through the credit bureaus because they took forever to correct this issue. This would happen XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX. I am making a complain now because I started paying on my loans in XXXX and was current. My mother the cosigner is in the process of purchasing a property. I called immediately to rectify this with the company to say I am current and this needs to be fixed immediately because you are going to cost my mother a loan. The customer service stated that he didnt see that they reported anything on my account, I had to take a screen shot of my credit and send it to him proving that they did report a 30 day late on my credit. My mothers credit went down 90 points. I have been calling for updates and keeps getting the run around. Its almost been a month and still no change.
Consumer complaint received 2022-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (LA)

On XX/XX/XXXX, at XXXX XXXX, I clicked on an online store to purchase a softball bat from XXXX XXXX the page routed me to a spoofed online store of XXXXXXXX XXXX and the online seller even stated their location was that of XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX as soon as I clicked Paypal and made sure I was covered on the transaction for {$85.00} for a softball bat. I noticed I sent my money to a personal email address that looked fishy. I tried to cancel the transaction immediately but there was no option to cancel. 

the paypal email address was XXXX for XXXX XXXX I knew at this point I was being scammed and submitted a claim to paypal. 
I open a dispute XXXX which was denied the seller uploaded a fake tracking number for USPS XXXX which showed that " A DELIVERY '' was made to XXXX but paypal could not verify the actual address. instead they denied my claim and closed the case not allowing me to dispute the transaction. 

after contacting the usps, we found out that the 'tracking " number used was for a 1oz ( much less than the size of a softball bat ) package and the shipping address was XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX THE ADDRESS this particular item was ACTUALLY delivered to was XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX XXXX I am opening up this complaint due to the fact that paypal did not contact me to make sure I received this item and other individuals are most likely also being scammed.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  - # XXXX XXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-05-31
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. (OR)

in accordance with the Fair Credit Reporting act XXXX  Accounts XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - # XXXX XXXX - # XXXX JXXXX XXXX - # XXXX XXXX - # XXXX Have violated my rights. 
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1691 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instruction 15 U.S. Code 1681c - no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-30
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. (CA)

Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (IN)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX ALL RIGHTS RESERVED WITHOUT PREJUDICE