davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit 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: FIFTH THIRD FINANCIAL CORPORATION (NC)

I was sent an email about earning extra money by using affiliate marketing by a company names XXXX XXXX. They advised me that I could withdraw my money at anytime and supposedly anyone who clicked on the site had to pay a fee and the fee was placed in my account with the company. I attempted to withdraw my earned amount and my payment of {$5000.00} which was charged to my credit card. When the company refused to give me by money back, I contacted Fifth Third Bank my business credit card holder. I requested paperwork from Fifth Third Bank to dispute the charge and an employee refused to send me any paperwork. This company was a scam and the phone number on the charge XXXX is located in XXXX according to XXXX I was also charged an international transaction fee of {$150.00}. If the company is in the XXXX. there should have not been charged an international transaction fee. Fifth Third Bank refused to assist me with this dispute while refusing to send me dispute paperwork. This transaction was never investigated by Fifth Third Bank. I want my dispute investigated and my {$5100.00} returned to my credit card for failing to investigate this charge. I have never made an international transaction.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (NH)

I opened a chime account and I sent money from a business account but it does not count as a employee direct deposit even if it's from a business account and I have a government check with all my information as well as the government 's information and they told me it doesn't matter I can only do direct deposit but the company I'm getting government checks from does not provide direct deposit neither does my job and I can't use anything on this app unless I have a direct deposit only even though a direct deposit is money that is directly deposited into a account according to the dictionary it does not say from an employer only. And when I called they told me there's absolutely nothing they can do and that I should just cancel my card and find a new bank because self-employed people are not allowed to use the app even though I have an employer that sends me my checks through XXXX XXXX account that should count as a deposit when you get it every month from an employers registered business account. I see that as a very big issue not everyone or every job offers or can get direct deposit only in order to set up your account and even to get a savings account I need direct deposit I can't even open a savings account on chime only a checking only and you can't use anything else on the app.. I am going to contact a lawyer in everyone else that is ran into any problem should too I got told by a friend lawyer that it is a perfect case.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

Incorrect/ Wrong Name, Address, and Work History Personal Information NAMES REPORTED XXXX XXXX XXXX INFO XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-13
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00}.
Consumer complaint received 2021-11-12
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. (OH)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX STATE OF OHIO Date Updated : XX/XX/2021 XXXX Date Updated : XX/XX/2021
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-29
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)

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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XXXX/XXXX/XXXX IS DATE GIVEN TO ME - I DID NOT OPEN AN ACCOUNT WITH THEM IN XXXX {$410.00} - I DO NOT OWE DEROGATORY MARK ON MY CREDIT REPORT WITH XXXX AND XXXX, XXXX HAS REMOVED IT. 
I HAVE DISPUTED IT TWICE BECAUSE THEY FAIL TO SHOW ME ANY TYPE OF CONTRACT BETWEEN I AND PORTFOLIO RECOVERY AT ANY POINT. 


XXXX XXXX, XXXX - PUBLIC RECORD A PUBLIC RECORD WAS REMOVED FROM MY CREDIT REPORT AND THEN LATER REPLACED. IT IS UNLAWFUL FOR THEM TO REPLACE ANY DEROGATORY INFORMATION ON MY CREDIT REPORT WITHOUT NOTICE. THIS HAS ALSO BEEN DISPUTED TWICE.
Consumer complaint received 2022-03-29
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. (FL)

In Accordance With The Fair Credit Reporting Act *XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX 15 U.S. Code 1681s2 ( a ) Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition ( B ) Reporting Information After Notice And Confirmation Of Errors APersonShall Not Furnish Information Relating To AConsumerTo AnyConsumer Reporting Agency Without My Written Instructions 15 U.S. Code section 602-A. States I Have The Right To Privacy. 

THE LAW CLEARLY STATES : Transactions Between The Consumer ( ME ) And : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX  Account 1 : XXXX *XXXX XXXX XXXX Account 2 : XXXX Making The Report Is Not INCLUDED On My Consumer Report! 
THE FCRA 15USC 1681a 2Ai By Reporting This Transaction Or Experience On My Consumer Which CONGRESS Clearly States IS NOT Included On My CONSUMER REPORTS.
Consumer complaint received 2022-03-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-03-29
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. (FL)

In Accordance With The Fair Credit Reporting Act *Professional Debt Account : XXXX *XXXX XXXX Account : XXXX *XXXXl XXXX Account : XXXX Has Violated My Rights. 

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors XXXX not furnish information relating to aconsumerto anyconsumer reporting agency.
Consumer complaint received 2015-09-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (UT)

I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC (GA)

This erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC was transferred to another collection company trying to collect on a debt not owed. 

XXXX XXXX XXXX XXXX XXXX is attempting to collect an erroneous and incorrect debt on behalf of Galaxy International Purchasing , LLC with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) as the original creditor for the account ending in XXXX and or Galaxy International Purchasing , LLC with account number ending in XXXX for the balance amount owed of {$1600.00} asserted as of XX/XX/2021, or any previously updated balances. 

As of XX/XX/2021, the balance is {$0.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the entire matter was written off upon a dispute of inaccurate, incorrect, false, and erroneous information. The credit reports show as of XX/XX/2021 a balance of {$0.00} is owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Any such attempt to collect on a balance by XXXX XXXX XXXX XXXX XXXX with Galaxy International Purchasing , LLC as the creditor is false, inaccurate, erroneous, and incorrect. There is no balance owed to Galaxy International Purchasing , LLC for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as the original creditor. XXXX XXXX XXXX XXXX XXXX 's actions are unlawful to collect on a default not owed with a XXXX balance. 

They continue to transfer debt collections that are unlawful and not owed.
Consumer complaint received 2017-07-15
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. (LA)

Company failed to send verification documentation bearing my signature a requested to prove that I actually owed or ever owned this account and just sent letters stating that they verified the information. The information was also once showing it was removed from my credit reports only to be later paced on there again at a later date.
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC1681 Section 602 states I have the right to privacy.

15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (FL)

My FICO score has been very high ( between XXXX and XXXX for the past 12 months ) so I was surprised to hear of my bad credit report/score from XXXX XXXX XXXX that SageStream provided. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that due to the bad credit report/score provided by SageStream I would be required to make a {$100.00} deposit to open add an account to my partner 's existing account. The letter stated that I had 30 days to request a copy of my report/score from SageStream. That same day, we both went online and requested our report/score -- we also froze my credit with many of the credit reporting agencies. I waited 30 days and had not received the report/score. On XX/XX/XXXX, I called the number for SageStream and left a voice mail ( since all operators were busy and the recording stated my call would be returned within 24 hours ). I waited the 24 hours and left another message on XX/XX/XXXX ( the same recorded message played and I left the same message ). The company has been non-responsive and hides behind recorded messages.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (NC)

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 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address  used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. 

I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.
Consumer complaint received 2022-03-29
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. (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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (NY)

I submitted my SAVE payment plan application in XX/XX/XXXX and I paid the {$5.00} per my requested forbearance with the application. Payments through SAVE are projected to be about {$59.00} per month. Despite numerous phone calls to Aidvantage since XX/XX/XXXX about my application, it STILL has not been processed. My last phone call with them at the end of XX/XX/XXXX, the representative couldn't figure out why my application has remained untouched and submitted a request to expedite the processing of my application. Instead of my SAVE application being processed, Aidvantage has instead decided to email me on XX/XX/XXXX advising that they will be ending my forbearance early and that I am to pay {$320.00} by XX/XX/XXXX. THAT'S LESS THAN 30 DAYS NOTICE! And I still can get no information from Aidvantage on why they continue to ignore my SAVE application.
Consumer complaint received 2019-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (TX)

Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

My husband had lost his job, so I was unable to make some payments on my loans. I was aware that at 90 days overdue the account would be reported as delinquent to the credit agencies. As I wanted to avoid this, I intended to make a payment or request a deferment or forbearance before the 90 days passed. When it came near the 90 day mark, I logged in to my account online to check the status and see what my options were. I was surprised to see that there was no overdue balance, only an amount of, if I recall correctly, {$53.00} due by XX/XX/XXXX. I was skeptical, so I checked again over the course of several days, and my account continued to show the same, not overdue, only {$53.00} due XX/XX/XXXX. I thought since my husbands loans are going into repayment status, that this had affected my account. A few days later I was surprised to receive an email stating that my account was 90 days overdue and it was reported as delinquent. When I logged back on at that point, the online account did reflect an overdue balance. 
Since I had every intention of keeping my account from going delinquent, and it did only because of an error on Nelnet 's website, I feel that I was not at fault. A correction should be made to remove this negative mark from my credit report at any and all agencies that they report to. I called and was informed by one of their reps that there was in fact a technical error in their systems around this time.