davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Utah System of Higher Education (UT)

My wages are being garnished by UHEAA already and therefore, I have little money to actually live on. They have begun calling my work and I am not allowed personal calls at work. I have told them that twice now and the gentleman I spoke with today, XXXX, said they would continue calling my work because I am not on an approved payment plan. I told them they can email me, write me letters and call my personal phone all of which they have and he said they will continue to call my work. 

I can not currently try to get on a payment plan because they are taking so much money I wouldn't be able to support myself and my son having to pay both for six months. If I get fired from my job, I will be unable to work and pay them at all.
Consumer complaint received 2019-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (CA)

I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . 

On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. 

But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. 

On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.
Consumer complaint received 2018-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F.H. Cann & Associates, Inc. (WI)

On XX/XX/2018 I was contacted while at work by XXXX XXXX. Our brief conversation was XXXX stating she is calling " regarding '' XXXX XXXX. She never stated where she was calling from nor who she represents and every time I asked her who she was she just stated she is calling in regards XXXX XXXX. When I asked what this was pertaining to, she kept insisting for me to give my personal information first before she will talk. I was very busy at work and because it was unclear of who she was and where she was calling from, I refused to give my personal information she was asking for. I told XXXX XXXX that I will contact her when I have some free time and not at work. A fax was then received moments later on our main office fax machine and was then delivered to my desk. The fax 's letter head states a company named F.H. CANN & ASSOCIATES located in XXXX XXXX, MA with a return of ATTENTION : XXXX XXXX xt XXXX. *Fax is attached* As of yesterday, XX/XX/2018 my HR department reached out to me stating that XXXX XXXX has contacted them, shared that I have a debt they are collecting and needed HR to give my personal information to her. When HR refused because there was not a court order, she stated " there will be. '' Whether or not the debt is legitimate, it is not acceptable for this company to contact me at work nor violate my rights, sharing my personal information and threatening my employer that there will be legal action. 

I want this to be on record and have this company stop violating my rights. If needed, I will seek out legal advise to insure that my rights are protected.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over the last 90 days I have contacted the Transunion and XXXX regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (MN)

I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.
Consumer complaint received 2019-03-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: URS Holding, LLC (OK)

I called the US Department of education in regards to my student loans they advised me it was handled by an outside collection agency. I contacted An agency called Al.Tran Education. I have no problem paying back my student debt as i am making low monthly payment. If i had realized i had option to pay back my loans i would of done it in the beginning. The negative effect of the late payments being on my credit report has but a strain on my ability to apply for loans and apply for credit as needed. This also has placed a financial burden on my ability to live. I have contacted Obudsman Case # XXXX in regards to asking for a good will in having the late payments of my credit report removed and was advised they do not do a goodwill removal of late payments. I am asking for a fresh start to move forward as negative payment information will stay on my reports until 2023 at the latest. i have attached my payment agreement with Alltran education for your reference.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — Store credit 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. (GA)

I paid off my Best Buy card.I realized there was a reoccurring charge of {$20.00} continuously being added to the card every month Ive called ( on phone long hours ) citicard l, Ive called Best Buy several times they said they would remove it continues to show up. I dont know what its for theyre saying its for XXXX XXXX subscription for a tv, but I never signed up for anything. I was told its been there every month since i purchased the tv. Again I didn't signup for anything, I have asked to please remove, they continue to add it and now late fees, its now affecting my credit score. They both are now giving me the run around saying its the other entity ( citicard or bestbuy ) responsible to remove it. This is impacting my credit negatively and i feel abused by them. It went from XXXX balance to XXXX {$80.00} this is fraud and i will not continue to pay for something I didn't authorize or buy. And it seems like i have been paying for this for over two yrs now unknowingly. I closed the acct and they are still upping the bill and now harassing calls for payment
Consumer complaint received 2022-06-14
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. (TX)

Credit Bureaus are refusing to delete these inquiries due to IdentityTheft!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry fXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/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 an account without written instructions.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have paid the account in full before XX/XX/ 2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (FL)

My husband died. He owned the account and I am an authorized user. I am owed a credit of XXXX from a credit on the account and am also owed XXXX in rewards money. I have sent a copy of the death certificate which they acknowledged receiving and now say they don't have. I also sent a copy of the will with a request for payment which they said I would receive this billing period. All I got was a statement showing tge credit I'm due. When I called this time they said they don't have the death certificate and didn't know the person I spoke to previsouky. All I want is what I am owed and I getting the run around. Thank you! 
I spoke with the company in XX/XX/XXXX and XX/XX/XXXX. It's a XXXX master card that has been paid in full every month since we've had it.
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NV)

Received a notice from my new monitoring service regarding an account from XXXX XXXX XXXX in regards to a fraudulent debt that does not belong to me. I am a victim of identity theft in which this account is a fruadulant account that has been reported to the FTC reporting a debt of {$2500.00} I have attached a copy of the FTC report to identify this fruadulant account to have this removed from my file asap.
Consumer complaint received 2018-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

We are a small non-profit corporation with a PayPal account. We have been unable to download any reports from our account for more than two months. 
XX/XX/18 sent an email via " contact us '' link on the company 's website ; no reply was received. XX/XX/18 had an online " chat '' with the company 's representative who said he couldn't help. 
XX/XX/18 tried contacting the company again through its " contact us '' link ; no reply. XX/XX/18 had another online " chat '' with " XXXX '' for over 30 minutes. XXXX couldn't help and toward the end of the chat, gave a website for the company 's support office. That website was not correct ; the company changed it two days prior to XX/XX/18. 
XX/XX/18 contacted via the website and received an email from XXXX at PayPal. XXXX requested a screenshot of our account report page in order to determine the problem ; it was sent to him. On XX/XX/18 received an email that the case was closed! However, we still can not download reports and can not reach a responsible person at PayPal to fix the problem.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I'm responding to case number : XXXX with Capital one credit card services. I tried numerous attempts to rectify the matter. Only to be ignored without the proper investigation. This debt was settled over 5 years ago as settlement in full for lesser amount. The representative that took my payment in XXXX agreed to remove the charge off status from all three major credit bureaus since the account wasn't sold to a 3rd party agency, since the account remained in Capital one collection Dept.  Okay..for years as agreed the charge off was removed from my credit report. Well ... .here we are in XXXX, I recently filed Chapter XXXX and was discharged. As of XX/XX/XXXX, " Charge off '' status was update on the account from Capital one. Knownly, that I'm trying to establish myself, this account reflects negatively on my credit report. This debt is scheduled to be removed from my credit reports XX/XX/XXXX. I need this matter updated correctly immediately. I mailed 2 separate letters Capital one dispute department and my last letter, I went as far as addressing it to the president of the company. The out come of the investigation, Capital One said they will not update my report because it's reporting accurate, and since the account was in default at the time of payment they aren't obligated to make any adjustment. They are wrong on so many levels, they need to pull the tape with me and the representative in XXXX to validate my claim and honor the promise of removal of " charge off status ''. I'm so disgusted that I also contacted XXXX and file a compliant today complaint # XXXX
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

I have been with American Express for more than 10 years and I have had a few or maybe no late fee and interest charge on my card. I an attempt to upgrade my gold card, I was offered to apply for a new platinum Delta Skymile card. Since I had an autopay on the gold card, I thought it will be automatically applied for the new platinum. On XX/XX/XXXX, I saw that there is a {$27.00} charge on my card as a fee for late payment. I immediately called and asked for a courtesy reimbursement which was done, then I realized that there is an interest fee that Amex also applied to my account : {$480.00} ; I called Amex and a lady answer my phone, she told me that they would reverse the fee to my account if I pay the amount due, which I did immediately with her on the phone. She told me that the payment will take effect between 24-48hrs and I should just call after than to get the money back ( she made a note of it ). Today I called to ask for the reimbursement, but this time the customer representative and the supervisor ( XXXX ) I spoke with where no help and drove me to a point where I would like to cancel my card.

They where not understanding and kept interrupting me and going in their own loop. In the end, I hung up frustrated and annoyed. I am using this card a lot for my travelling and others, unfortunately I have to cancel this card, my wife 's and my other blue Amex if no action is taken. I will also take legal actions against Amex and XXXX, because this is unfair and limit taking customer money when you are supposed to be protecting customer 's interest
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IN)

XXXX XXXX ( a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. ) is not delivering my monthly Lease Statements by mail. I have called their customer service number at least five months in a row ( most recently speaking with XXXX in the " Executive Office '' ), and they still have not resolved the problem. I have received other mail from XXXX XXXX, but not my monthly Lease Statements. Each time I speak with them, they say they have resolved the problem, but that is never correct, as I still have not received my monthly Lease Statements by mail.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

During the week of XX/XX/2019, I contacted the credit inquiry companies that had no authorization to inquire, with little success. 

In XX/XX/2019, I contacted credit reporting agencies to remove the unauthorized inquiries to no avail. No unauthorized inquiries were removed.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates (GA)

XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 2 days ago ) to me I have attempted to write several letters since XX/XX/2020 to this company, and for some reason my certified return receipt letters would mysteriously disappear and never come back to me confirmed with the United States Post Office . 
I then sent my dispute letter to them on XX/XX/2020 via XXXX. Per XXXX, my dispute letter was received by Credit Bureau Associates on XX/XX/2020 at XXXX and signed by an individual named XXXX . I have attached evidence of this, along with the dispute letter I last sent them in where I requested they attach copies of any agreement with them that grants them the authority to collect on this alleged debt, or proof of acquisition of purchase or assignment, or authorization under subtitle D of the ARRA, SEC 13401. Application of security provisions and penalties to business associates of covered entities ; and SEC. 13407 ( 1 ) Breach of Security. By breach of security, I meant in respect to unsecured PHI ( PHR ) and where did I sign a waiver to my HIPPA rights. As of today, they have yet to send me this information. This is damaging my credit worthiness.