davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 
XXXX Account # XXXX, has 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 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 2023-02-12
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. (MS)

To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-11
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. (MD)

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. 

XXXX : # XXXX 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my second complaint with CFPB for XXXX for reporting the incorrect status on a closed unsubsidized student loan. There is ABSOLUTELY NO WAY an account can be current to 90 days late in a month with no prior late payments. The student loan was opened on XX/XX/XXXX, and closed in XX/XX/XXXX by consolidation. XXXX continues to report 90 days late incorrect payment history, payment status, current payment status, and worst payment status for this closed account. The account should show all on-time payments and never late. The account number is XXXX. I have also attached screenshots of Transunion and XXXX credit bureaus where the inaccuracies are being reported.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

With the prepaid card " paysign '' through bank of America produced for the company XXXX XXXX, on Saturday, XX/XX/XXXX between XXXX and XXXX XXXX charged a fee separately for multiple declined transactions at the same location where no money was spent as it is not possible to overdraw through this account. 

After checking the cards " complete '' list of fees, there is no mention of a fee for declined transactions, and further more, I am unsure if it is even legal to charge a fee for a transaction that never took place, disclosed or otherwise.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (FL)

I have a credit card from US Bank and I receive a statement for a {$2500.00} dollars purchase, but I wasnt me because at the time of the purchase I didnt receive my credit card ( I applied for the card I have approve but at the time of the purchase i didnt received my card ) I put a dispute with the bank and they said that I have to paid for that charge, am going to do a police report because I wasnt me who spend that amount of money.
Consumer complaint received 2022-05-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CBC Companies, Inc. (NY)

On XX/XX/2021 my realtor told me to inquire to a home buying agency that helps find a mortgage that is best for me. She said they would only run 1 hard credit pull for an unlimited amount of inquires within 30 days. Now I have 91 separate hard inquiries and my credit score decreased by nearly 200 points. I never agreed to this.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MN)

In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-26
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. (TN)

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. 
XXXX : # XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, has 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 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 2017-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

In XXXX of 2022 my SSN was compromised, my debit card which is set up to make payments for Kohl 's card was compromised therefore making my XX/XX/2022 late. My back froze and canceled my activities during the week of compromise. The comprise of my SSN took place on a holiday weekend, therefore resolving my issue with my bank due to compromised SSN further delayed.
Consumer complaint received 2022-05-20
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. (NY)

In accordance with the fair credit Reporting act XXXX  account # XXXX ( XXXX  XXXX ), # XXXX ( XXXX/XXXX  ), # XXXX ( XXXX XXXX XXXX ), and a few hard inquires from XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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
Consumer complaint received 2023-02-11
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. (NJ)

On XX/XX/XXXX I sent a dispute to Equifax which consisted of two disputes. The first stated I had not received a debt validation letter for the XXXX XXXX collection entries on my file. That dispute was addressed. The second dispute was not. XXXX account # XXXX is reported as two different amounts due and XXXX. XXXX is reporting {$510.00} and XXXX of XX/XX/XXXX. Equifax is reporting {$22.00} and XXXX as XX/XX/XXXX. I requested these entries be deleted since they are being reported inaccurately. Please review dispute and documentation.
Consumer complaint received 2023-02-11
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: Possible Financial Inc (TX)

This account is closed but still showing Collection/Charge-off as a payments status and {$710.00} past due plus account remark as " Account seriously past due/account assigned to attorney, collection agency, or credit grantor 's internal collection department. ''
Consumer complaint received 2024-03-12
Product: Credit reporting 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. (NC)

Transunion was notified that I was a victim of identity theft and requested the block and removal of the unauthorized inquiries. Transunion has not blocked or removed these fraudulent inquiries. 

XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX
Consumer complaint received 2023-02-05
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: EQUIFAX, INC. (MI)

I sent a letter on XX/XX/XXXX XXXX and Equifax asking to verify inaccurate information on my credit report. its been more than 30 days and I have not yet heard back from either bureau regarding the investigation
Consumer complaint received 2023-02-14
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. (MA)

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXXXXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-01
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-14
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. (MA)

I PULLED MY EXPERIAN REPORT AND NOTICED TWO XXXX XXXX ACCOUNTS THAT SHOULD NOT BE ON MY REPORT. XXXX XXXX FOR ACCOUNT BALANCE XXXX, XXXX XXXX ACCOUNT BALANCE XXXX. MY CONCERNS THAT THE CREDITORS ACCOUNT NUMBERS ARE DIFFERENT FROM EXPERIAN CREDIT REPORT. THIS IS FRAUD AT AN ALL TIME HIGH. I KNOW MY CONSUMER RIGHTS. I AM BEING MISS TREATED. 

THERE ARE LAWS IN PLACE AND I KNOW MY RIGHTS! 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-02-11
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. (AL)

I HAVE REACHED OUT TO THIS COMPANY NO LESS THAN 3 TIMES. THEY HAVE FAILED TO PROVIDE PROPER VALIDATION AND CONTINUE TO REPORT THE ACCOUNT IN ERROR. ACCOUNT NUMBER IS REPORTED WITH SYMBOLS. ACCOUNT STATUS IS NOT IN COMPLIANCE. IT HAS NOT BEEN 12 MONTHS SINCE THE ORIGINAL DATE OF SERVICE. HIPAA VIOLATION AS I GAVE NEITHER PARTY PERMISSION TO SHARE MY MEDICAL RECORDS. THE SUPRISE BILLING ACT HAS ALSO BEEN VIOLATED.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (GA)

I opened the account through iXXXX because Chime was advertising a {$250.00} bonus if you opened a new account with them and you signed up for direct deposit and you deposited {$200.00} or more within 30 days after opening the account. I met all requirements that were asked of me. I have spoke with SEVERAL members from their support department as well as SEVERAL supervisors from their escalation department. I've got well over 30 emails of the same emails just in this last attempt to resolve this and they keep asking me to send in screenshots of multiple things to which I have done SEVERAL times. They just keep starting me over wanting the same requests over and and over again. I've even got a email from one of their support members stating I've met all requirements but they still haven't made true to their advertisement. Im not the only one that has made several attempts to get them to hold truth to what they advertise. I've also seen that they have just closed accounts saying that people didn't meet terms and conditions to have a account with them. I just want this resolved and someone put a stop to their fraudulent advertising. I've been dealing with them since XXXX XXXX and only started trying to contact them after I met all requirments after the 30 day period yet they never held up their end of the deal that they advertise. Is there anything that can be done about this misleading false advertising?
Consumer complaint received 2022-10-05
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. (TX)

XXXX XXXX XXXX XXXX showing negative for both XXXX and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. Experian now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX  XXXX agreed to update so it wouldn't show as a negative. Experian is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Consumer complaint received 2022-10-05
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. (TX)

CXXXX XXXX XXXX XXXX  showing negative for both Equifax and XXXX. XXXX XXXX stated they sent the letter of deletion to all 3 companies. XXXX now shows " account paid as satisfactory ''. This was an auto loan from XXXX, I was originally advised it'd be removed in XXXX, however, XXXX XXXX agreed to update so it wouldn't show as a negative. XXXX is the only one who made an update, not a removal though. I want this removed or updated so it's not a negative.
Consumer complaint received 2023-01-19
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 Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2018-11-06
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. (NY)

I submitted a complaint online with Equifax and received an email telling me the dispute was resolved and to check my results. I tried checking results online and the system keeps telling me my information is incorrect and won't let me access my results. I then tried their automated phone system which asked me for my 10 digit confirmation number. Each time I entered it CAREFULLY it told me it wasn't 10 digits - it WAS!. I then called and was asked about 7 security questions, giving them exact info off my various statements and they would tell me my info was incorrect - even though I was reading it directly off the statements. Finally pass this test and they tell me that the address on my utility bill I submitted matched what was on file for my address and the woman even read what was in the file - how do I get through to these people who are clearly working in another country that my address, although it has one part of it that has the same name as the address on file, is not the same as the one on file. The address on file is 2 miles away, I have never lived there, and I get mail delivery problems all the time  because it is a similar address, but it is NOT my address nor has it ever been my address.