davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXX   USA DPT ED/XXXX
Consumer complaint received 2020-03-19
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: ID Analytics, Inc. (GA)

I want to report an identity theft in my credit file, I checked my credit for accuracy and I saw a number of accounts that I didn't recognize, resent bills in the mail make me suspect that my identity was stolen, now I'm following the steps to try to remove these account from my credit.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Money from my card in the amount of XXXX was withdrawn from an atm without my consent. I opened a dispute twice with the the card company and filed a police report also maintained a letter from the store manager stating it was not me at the atm on the day and date of the theft .provided a picture of the suspect as well. Still my claim was not honored.
Consumer complaint received 2020-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (FL)

I received a response after a complaint on the balance on my loan. I voluntarily surrender my car after releasing payments were too high and at the time I could no longer afford it. They called and set up a towing pick up to leave the key in the car and take off plates and towing company would pick up. So I did that night theft got to the car before the towing company it was a Friday morning I woke up show the car gone and thought the towing company took it. it was still a couple of days later I received a call that the car was never picked up. I called my apartment complex and asked if the car was towed by them they said no so I asked to run the camera for that night and on video, there were 2 men going in the car and finding the keys and going off in my car. I reported to the police they found my car and told me who had it, I called the bank to advise them the police found the car and it was at a towing company should I pick it up they told me no to tell them the company and they will set up a pickup. If I would have known they would have charged or set up a pick up so far apart to accumulate a bigger charge I would have picked it up myself. Also, I could have told the police the charges and the theft would have been a force to repay my lost funds. I've never had a car stolen so I'm in shock they would of charge to pick up my stolen car. Besides that this contract was a flaw and I was sold into a payment that would never have paid my loan. I was paying and paying and my balance remain the same for 2 years. When i surrender the car i was told it would be sent to auction and whatever the balance that paid would be taken off and i would owe the rest. How the XXXX did they sell the car for XXXX XXXX and then still jump right back up to XXXX XXXX where i started. I was young when i purchase this car and what they told me was not to explain thoroughly i believe they took advantage of my uneducated self. I do not find fairness in this balance would like to take this up to the highest possible outcome even if nothing happens I rather fight on this balance this is unfair.
Consumer complaint received 2020-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (IL)

In the month of XX/XX/XXXX, I went shopping to XXXX to buy my mother a gift of {$83.00} for her birthday. The lady who rang me up at the end of the purchase asked if I wanted to apply for a XXXX card and she pressured me to apply. She said if I applied today I would get 15 % off of my purchase and it would help her out with her boss if I did. So I thought it would help her out not knowing it would damage me instead. 

In XXXX of XXXX, it says I have an inquiry at Target because I was trying to take out a credit card as well. I never applied for a credit card there.
Consumer complaint received 2020-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OR)

Late Start to Qualified Public Service Loan Payments ( 8 months ) The over-all problem is that FedLoans began my qualifying public service loan payments two months late because they were slow at getting their paperwork done. On XX/XX/XXXX, I filled out an IDR Plan Application on my federal student loans both with the FedLoan company and XXXX company who both service approximately half of my loans. I graduated in XX/XX/XXXX. I submitted an application to switch from IBR to REPAY in XX/XX/XXXX with the expectation my first qualifying payment for Public Service Loan Forgiveness ( PSLF ) would be XX/XX/XXXX as indicated on my billing statement with both companies ( Your first payment is due XX/XX/XXXX ) and per multiple phone conversations with representative at FedLoan. XXXX XXXX approved my REPAY plan XX/XX/XXXX and FedLoans on XX/XX/XXXX, therefore FedLoans had a three and a half months delay in getting paperwork done. I would like to add that there is no difference between these loans as documented in the paperwork provided. My XXXX Plus loans with both companies went from IBR to  REPAY and there should be NO difference in processing time. However, since FedLoans has taken significantly longer to process my paperwork, my first qualifying payment under REPAY is scheduled for XX/XX/XXXX instead of XX/XX/XXXX for the Public Service Loan Forgiveness Program. This means I will lose 2  months of qualifying payments and my grace period with FedLoans is 8 months. 

This could amount to a loss of approximately {$1600.00} depending on my income in the last two months of payment. I have called FedLoan two times since XX/XX/XXXX when I realized my qualifying payments for PSLF would be delayed. I have spent hours researching how to navigate the complicated details associated with student loan repayment and I have done my job to get the paperwork turned into you on time. If FedLoan is requiring me to get my paperwork done on time each year, FedLoan also needs to get its paperwork done one time. Over  the phone their excuse for delaying my public service loan qualifying payments was because I started making payments, while I was still in school. However, I am not sure why this loop hole has such an unfair consequence. 

When comparing the two companys ability to complete paperwork on time, it is evident that FedLoan is at fault for not processing paperwork in a timely manner. Therefore, I am requesting FedLoan to correct their error by granting me REPAY payments starting on XX/XX/XXXX.
Consumer complaint received 2021-06-18
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. (NC)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved. 

These companies are in complete violation of the Fair Credit Reporting Act 15 U.S.C Section 1681 for Unlawfully obtaining my consumer report.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit bureau XXXX XXXX refuse to remove an accurate information pertaining to a public record. I went to the furniture of the information obtained a letter stating that the information Is reporting in error and they refuse to remove the information. I would like for them to remove in accurate information immediately per the fair credit reporting act. Attached is the document from the federal courthouse of XXXX Georgia stating that the information is reporting in error.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My bank of America credit card was accidentally overpaid by an automatic payment that I had previously set up. On XX/XX/20, a payment of {$3700.00} was transferred from my XXXX checking account to my Bank of America credit card. This resulted in a negative balance of approximately {$2600.00} on my Bank of America credit card. I contacted credit card services at Bank of America on XX/XX/20 and asked for a balance transfer back to my XXXX checking account, which they are required to grant by federal law. They agreed to process this, but then I was told that as a routine matter, the fraud department would not transfer the money for 10 days. The 10 days elapsed on XX/XX/20 at the close of business. I have called customer service multiple times and they don't know why my transfer has not been processed, and they keep telling me that they can not get in touch with the department that investigates these transfers to see what is causing the delay. I would like to get my money transferred back to my checking account as soon as possible, and this unjustified delay is unlawful. The latest person that I spoke with is XXXX on XX/XX/20 ( ID number XXXX ) - she stated that she would send a note to the fraud department asking them to expedite this investigation, and promised to call me back by close of business today to update me on the situation, but has not called me back. I would appreciate your help in resolving this matter.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (FL)

I paid for a service to protect my credit for a trial of seven ( 7 ) days with the right to cancel in 7 days. I tried to cancel on XX/XX/2020 before XX/XX/2020 according to the agreement or else they will deduct from my credit card for 12 months. 
When I tried to cancel online it would not accept my login information. 

I got a message to call customer service they claim their system would not allow them in because I had tried earlier that I had to mail or fax a copy of identification with my social security number and address to them. 

Now it's gone from just login to cancel to call customer service to to mailing or faxing in my personal information to cancel their program before XX/XX/2020. 

I sent them an email 3 times but I got a generic response. One said they are overloaded because if the virus and will get back to me as soon as they can. 

Another email on their site response sorry we don't have that product. 

The latest this morning when I tried to login their site an Oops popup. 
If you ask me a scam is being run concerning cancelling, getting your card identification and wanting me to fax or mail in my information to a p.o. box in XXXX, georgia. 

MY AGE BRACKET WAS TOLD NOT. TO GO OUTSIDE FOR ANYTHING. I DON'T HAVE FAX MACHINE NOR A PRINTER TO MAKE COPIES OF MY ID AND ADDRESS AND SOCIAL SECURITY NUMBER FOR THEM TO CANCEL MY MEMBERSHIP BEFORE THE CANCELLATION DATE. 

IT'S ALL A SCAM.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (AZ)

BMO advertised a {$500.00} bonus for their Checking and Savings, which includes a {$400.00} dollar bonus to open a checking account and a {$100.00} bonus to open a savings account within a time frame. Account was opened in person in XX/XX/2019, and the promotion code was put in by the banker and confirmed to be applied by her. A copy of the promotion terms and conditions was printed and provided to me at the time of account opening. I met all the requirements for the bonus, and only received {$400.00} for the checking account not the {$100.00} for the savings account. When called and inquired details, representative said it's because the promotion code was not applied when Savings was opened? And they can't do anything but to send my question to the banker who opened the account to resolve it. Time passed and nobody ever reached back to me, tried two more times including calling and online messaging them. They always promise to escalate it and have the banker reach out to me, but nothing never happens. I did a research online and found a number of other people were having the issue ( not receiving bonus and fail to pursue it even though all requirements are met ).
Consumer complaint received 2021-06-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I contacted Experian on XXXX to inform Experian that I am a victim of identity theft. They resolved some errors however theses accounts that do not belong to me remain. 
XXXX  XXXX {$720.00}, XXXX  XXXX {$0.00}, XXXX XXXXXXXX {$0.00}
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (MI)

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Consumer complaint received 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I went to XXXX for my entitled free credit reports. 

As soon as I downloaded them, my PC messed up on me before I had a chance to copy or print the information. 

Now they won't let me see the reports.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TN)

I had 4 fraudulent charges were made against my Direct Express debit card on XX/XX/2020, which i get my government benefits sent to each month. All four transaction were international orders placed against my card. I believe there has been a security breach. 

1. ) XX/XX/2020 XXXX XXXX, XXXX {$3.00} International purchase fee 2. ) XX/XX/2020 XXXX XXXX, XXXX {$98.00} Cash purchase 3. ) XX/XX/2020 XXXX, XXXX {$.00} International purchase fee 4. ) XX/XX/2020 XXXX, XXXX  {$46.00} Cash purchase
Consumer complaint received 2022-12-30
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. (CA)

In accordance with the Fair Credit Reporting act XXXX, XXXX, and Transunion 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. Accounts XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX are in violations. 

According to 15 USC 1681i XXXX, TransUnion, and XXXX shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account XXXX Acct # XXXX has be verified as accurate and updated but yet hasnt updated status as disputed and XXXX has the account listed as open when its closed. Evidence provided below
Consumer complaint received 2020-03-31
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)

I have filed a previous complaint against Equifax and the creditor for defamation. i provided both agencies with pertinent information to validate my claim and my wish of having this erroneous and negative information from my credit report. I am in the process of buying a house and can not move forward without resolving this issue. 
I have attached the credit reports that highlights the inaccuracies for your review. Also, if you are not able to complete the investigation with results, I am wondering what the purpose of the CFPB? Why file a complaint if nothing can be done.
Consumer complaint received 2021-06-18
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. (MI)

I checked my credit report recently and saw some items on there that I do not recognize. There are some negative collections accounts and inquiries that were not authorized to be printed on my report. This violates my rights as a consumer under the FCRA ( 15 USC 1681 ). I sent the company an affidavit stating these violations on XX/XX/2021 and it was received by them on XX/XX/2021. They said my information didnt match up the last time I contacted them so they couldnt do much but Ive since updated my info and I am exercising my right to have the items furnished by world finance, XXXX XXXX and XXXX  XXXX XXXX, along with the inquiries from XXXX XXXX and XXXX XXXX XXXX removed from my credit report, as I did not authorize or consent to them.
Consumer complaint received 2024-10-15
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. (PR)

This is my XXXX attempt with Experian to solve this situation .They are reporting inaccurate late payments and incomplete credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately XXXX XXXX XXXX XXXX XXXXXXXX I respectfully request for the XXXX time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last XXXX years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation