davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX 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 2021-11-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I took out a loan for XXXX, but I made a XXXX dollar payment online. On XX/XX/XXXX, Cash Central tried to take XXXX out of my husbands and my account, but our bank thought it was a fraudulent transaction. Cash Central collection dept is contacting me and telling me to call them so they can charge me extra for my account being past due or where my payment is.
Consumer complaint received 2019-07-26
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. (NV)

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home DEPTEDXXXX   XXXX
Consumer complaint received 2022-12-16
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)

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because, According to 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX  XXXX - {$500.00} Closed account XXXX XXXX {$300.00} Closed account XXXX and {$99.00} Closed account account XXXX
Consumer complaint received 2022-12-16
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. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Consumer complaint received 2019-07-26
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. (NV)

The following multiple entries on student loans do not belong to me.. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX , DEPT OF ED/XXXX XXXX XXXX
Consumer complaint received 2022-03-29
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. (DE)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-12
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: Aargon Agency, Inc. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The following student loan account is in DEFERMENT STATUS and should not reflect a late payment or negative. This is a violation against the FCRA. Why should they hold it against me? I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home. 
DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX,
Consumer complaint received 2023-09-25
Product: Credit reporting 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: Experian Information Solutions Inc. (IL)

Since XX/XX/2022 I havent be able to view my current credit report on experian.com I have made several attempts to get current access but no success. Then when I do talk to someone they tell me my adddress isnt on my credit report then I have them to add it but I check the dispute and they still dont update when I sent a current copy of my identification. This last time I call to get this issue resolve they told me it would be resolved in 24-48 hrs and 4 days has passed and still I cant view my current credit report and my address is still not attached to my report. Also every time I try to get a current report it states that they have different personal information than my lenders and I dont see how. Please help me resolve this issue.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I received a promotion from Experian in XX/XX/XXXX via email and accepted the offer at the time. I paid a one-time fee to receive services for the annual year of XXXX that I never received. As a result of already having a credit monitoring service ( Discovercard ) of whom I have a trusted 30-year relationship with, and receive monthly digital reports, quarterly reports and hard copy quarterly reports via USPS, I determined in XXXX I did not need any further monitoring services like Experian. As I was preparing my XXXX quarterly tax reports, I discovered a charge of {$24.00} monthly since XX/XX/XXXX from Experian. I contacted them and learned that : XXXX ) They have been charging my bank automatically, without my permission the amount of {$24.00} since XX/XX/XXXX. 

2 ) I had not received any services or notifications from Experian via email or USPS mail EVER for these charges. 

3 ) I never received any service support, company communications, or personal reports that would alert me of our relationship. Nothing. 

4 ) When I contacted Experian regarding these charges, they agreed to cancel my account immediately but would not credit or refund the {$140.00} they fraudulently charged my bank account without my permission or acceptance. 

5 ) Instead, Experian advised me to contact my bank to reconcile this dispute. 

6 ) Further, they disregarded my concerns that my personal data had been compromised and this was instead, a security issue as I have had no interaction with their web services since XX/XX/XXXX as is easily documented from user tracking. 

7 ) This is not only about a refund of {$140.00}. This is about false promotional advertising that takes advantage of consumer 's engagement to learn more information about them, and in doing so-provides Experian access to one 's personal and bank information long-term, allowing them to store and leverage that information without permission or approval. 

8 ) This is also about tens of thousands of consumers like me that follow a promotional campaign online, and as a result, a year or years later, discover they have been charged fraudulently for no services delivered or value. Imagine the hundreds of millions of dollars I am trying to point out. 

I am contacting the CFPB for assistance in the investigation of this matter ; and to elevate this to the American consumer as I am sure, when posted, you will receive thousands of similar consumer experiences where, like me, we accept our losses as a bad mistake, while Experian continues to fraudulently mislead and profit from user data. 

I have NEVER charged my clients for services I never delivered. Why can financial service companies get away with this? This must be elevated and stopped and fiduciary penalties and consequences must be pursued, prosecuted and served. Thank you for your attention to this matter. I will look for your response.
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I've been trying to get the auto payments accounting from Bank of America for months and this isn't the first time I've had problems with them. If you examine the attached screen shot, you will see 'misc payment ' twice in the month of XXXX and note that the XXXX payment draw isn't the same as the value in the amount due line and by a significant amount. BoA is unresponsive, at least in part, because I can't attach a screen shot and they keep 'misunderstanding ' my description of the problems. 

BoA bought this mortgage. I want to fire them. Please help. I've been paying mortgages for over 40 years and BoA caused more problems than the entire prior experience.
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. (IL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to 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 2019-07-26
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. (NV)

I am not the person responsible for the charges made on the accounts. Transunion put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX
Consumer complaint received 2022-08-30
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc. (PA)

I have requested a Cease and Desist from this company this company is still communicating with me through third party mediums. Communication defined is : a system ( as of telephones or computers ) for transmitting or exchanging information. 
This company must cease exchanging any of my information to the credit agencies as I am requesting a cease and desist of all communication. As defined!
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo , Inc. 

As a member of this financial institute of at least 40+ years that I would be looking for such treatment of service. 
Contact via tele call to your firm on XX/XX/2022 ( XXXX ) of the existing monthly charges of {$10.00} based on a specific criteria has to be met. Your Associate indeed professional and pleasant with me regarding the new criteria. 
Of course, he and all other associates are limited on the provisions when handling such an inquiry of : Why {$10.00} service charge? 
I was appalled and shock with the noted requirements of this checking account your firm will not embrace a member who is of a XXXX XXXX such as me but to your young adult community. 
Realizing my income is now limited with a specific monthly income of my social security benefits and retirement benefits it has been challenging to maintain. My history will reflect the movement of Social Security benefits because of undue cost with your firm. I remain with the firm with my monthly funds from a private firm. 
XXXX XXXX, I expected a level of understanding and compassionate service for myself and the XXXX XXXX from your company, I am quite disappointed. 
I would certainly hope your team will return to the board room and regroup on the needs of a large and dependable market of XXXX XXXX that will provide consistent deposits and business in assuring us we can continue to look to your firm for assistance in existing thus so far.
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MN)

Missing XXXX $ credit card sign up bonus after meeting terms ( {$1000.00} Spend  ) Here are the terms : XXXX XXXX XXXXXXXX ThXXXX XXXX  Credit Card lets you earn custom cash back to send, spend, or even to auto-purchase the crypto of your choice from your XXXX account. Syncing seamlessly with the XXXX XXXX its the simplicity, convenience, and fun you know and love only more. 
For a limited time - score a {$200.00} cash back bonus after you spend {$1000.00} in the first 6 months of account opening. * Apply now through XX/XX/XXXX to be eligible for the {$200.00} cash back bonus. Subject to credit approval. See terms below. 

*To qualify for this cash back bonus offer, you must apply for a XXXX  Credit Card account by XXXXXXXX XXXX XXXX on XX/XX/2022, and subsequently be approved. Offer may only be redeemed by the eligible participant, such eligibility to be determined by XXXX  in its sole discretion. Cardholder must make net eligible purchase ( s ) ( minus returns and other adjustments ) of {$1000.00} or more with their XXXX Credit Card within 6 months of account opening in order to qualify for the {$200.00} cash back bonus ( maximum of one cash back bonus may be earned per person ). Cash advances do not qualify towards the net eligible purchases of {$1000.00}. Fulfillment of the cash back bonus via an automatic transfer to the XXXX account will occur no later than 45 days after net eligible purchase qualification threshold is met. Both your XXXX account and the XXXX Credit Card account must remain open, be in good standing, and not become delinquent at the time the cash back bonus is awarded. Once reflected in your XXXX  account, use of the cash back bonus is subject to the terms of your XXXX account. This promotional offer is in addition to and does not replace the Cash Back Rewards program as detailed in the Rewards Program Terms.
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. (IL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts to 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 2021-11-12
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on PORTFOLIO RECOV XXXX Original creditor : XXXX XXXX XXXX  Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-11-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Palmar, Inc. (TN)

Jefferson & Associates XXXX call me, my family, & employer several times a day. I have asked them to stop. They refuse. I have asked them to send me documentation showing my debt. They refuse. They have even disclosed this situation with my employer. My employer has asked them to stop. They reuse.
Consumer complaint received 2022-03-29
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. (TN)

Collections account reporting on my transunion credit report from radius global should be removed. The account was incorrectly placed on my credit report b/c my insurance should have taken care of this charge. I reached out to radius gobal and was told if I pay the account in full, which was {$220.00}, that it would be removed. I paid the account in full and it has been removed from XXXX and XXXX but Transunion has not removed. I reached out to Transunion and denied my dispute to remove it.
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (FL)

Hello, I'm a borrower of Cross Country Mortgage at the XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I'm a young XXXX  also in XXXX trying to buy my first house. 

Unfortunately, my mortgage application has been poorly managed by the branch above and I am about to loose a good deal on a condo in XXXX because of this. 

My case has been delayed and closing date rescheduled due to the inefficiency of the assigned underwriter. 

My case was finally assigned to a more senior underwriter today and it seems that the documents part are now cleared out. 

As of now, I still do not know if I'll have a closing by Monday or not. This delay already caused me financial loses, and the seller will not extend the closing again if I do not have a closing by Monday at the latest. 

I tried reaching out to the branch manager XXXX XXXX however the phone listed on his website does not work. 

Also, the email compliant address given by the company does not work. 

Please, if you can kindly assist with this matter it would be truly appreciated. 

Best Regards, XXXX XXXX XXXX