davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I opened a U.S. Bank. Gold Checking account on XX/XX/2019. after receiving an offer of {$300.00} bonus on new accounts. The account was opened online with promo code XXXX provided to me. 

I satisfied the bonus offer requires but did not receive the bonus as agreed upon. 

To earn the {$300.00} bonus offer, you must open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) online by XX/XX/2019. Additionally, you must complete recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening, and be enrolled in either U.S. Bank online banking or the U.S. Bank Mobile App by XX/XX/2019 When I called U.S. Bank consumer service, the customer service supervisor claims she couldn't find any information about the promo offer and refused to issue {$300.00} bonus.
Consumer complaint received 2021-11-17
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: BARCLAYS BANK DELAWARE (GA)

My name is 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 BRCLYSBANKDE XXXX Balance : {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-02-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TN)

I have a TN Way2go Child support card. I have not received a child support payment since XX/XX/XXXX as the custoldial parent of XXXX children. During the last year while the support has been in arrears my card expired, XX/XX/XXXX. I attempted to get a replacement but was told there had to be {$5.00}. On the card to get a replacement. Finally on XXXX XXXX a payment was made to the state for my child support. Wednesday XX/XX/XXXX I called customer service for the card and I explained my situation. I was transferred to the card replacement area and was on hold for over an hour. I was at work and had to hang up. Nobody ever came to the phone. On XX/XX/XXXX at approximately XXXX XXXX. I called back and was again transferred and after approximately 45 minutes to an hour my call was answered. It took another hour to get my address updated. I was told it would take 7 to 10 days to get a replacement. After having waited almost a year for support that was not sufficient. I was told I could pay {$10.00}. Plus the {$5.00}. Card fee to have it expedited within 4 days. I agreed. It is now the XX/XX/XXXX and I have not received my card.I have called 2 times both transferred and placed on hold. The last time was an hour and a half and nobody ever picked up. This is my money intended for the care and support of my children. The fact that I am being charged to use my child support is bad enough but this is not expedited and I am sure I will still be charged. The wait time is completely unreasonable. I work and have XXXX kids. I do not have hours at a time to sit on hold and the length of time it took to communicate the one time I was able to speak to someone was unacceptable. This money is in extreme arrears and this company is holding it hostage. I need my card and due to the lag in time I most certainly should not be charged. Is there a number to contact someone without hour and a half hold times where my card situation can be resolved. As of right now I have waited almost a year and I have finally received a payment, and for almost 2 weeks have not been able to gain access to it. This is completely unacceptable and terrible practice. I am a captive audience and have no choice but this bank knows this. At what point are they violating banking or commerce practices when I am not able to use my support. This needs to be resolved.
Consumer complaint received 2022-12-16
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. (CA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/2015. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

As of XX/XX/2020, I have sent monthly letters to XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Consumer complaint received 2024-03-09
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX, 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 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian 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 tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-02-16
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. (NV)

The following student loans were reported on my credit report DEPTEDXXXX XXXX, DEPTEDXXXX XXXX Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX 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 tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-02-16
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: EQUIFAX, INC. (AZ)

Using the Consumer Finance website I went down the list to freeze my credit on all four credit bureaus. I tried to create an account on Equifax but their registration site would not accept my email address saying it was invalid. I called them and customer support was able to freeze my account after validating my identity. They then sent me to tech support to fix the email issue but they told me they could not fix it and that I will have to get a different email address. Without an account I would not be able to unfreeze my credit with them. I then asked them to unfreeze my credit and also asked them to escalate my problem to get it fixed on their website. They pretty much told me I was out of luck and would not be able to freeze my credit with them. I logged into the other three bureaus without any difficulty and easily created an account and successfully froze my credit. Equifax is not allowing me to freeze my credit with them. I told them I had a legal right to do so but they don't care. I need help with them correcting the problem with their website so I, and potentially others, can create accounts and manage their credit. I am nearing retirement and want as much protection as possible for my assets and identity.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XX/XX/2021, i sent TRANSUNION a letter about some inaccurate and old items reporting on my credit report, i have sent the letter off usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX and i have not heard from them nor have they delete any of the inaccurate items they are reporting.
Consumer complaint received 2020-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TN)

Ive been with Mr Cooper home mortgage for over 6 months. Ive not once gotten a bill called several times to get one. Beginning of 2020 they went up due to there miss calculation on escrow it went up. Well heres another problem I dont get bill so only reference I have is I keep copying the slips they gave me at closing. I was short this month. Got call last week about that on Saturday paid that. Then they get call this week on Saturday saying I was short again. Ive pleaded with them to mail be a bill. They will not do it unless I call and ask them.
Consumer complaint received 2022-12-02
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. US DEPT ED XXXX Balance : {$1800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XXXX now it is XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX  and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against me.
Consumer complaint received 2020-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (AZ)

After sitting on hold for over an hour, i told this faux hospital i have never been to the Carolinas let alone went to the hospital there. They sent me some long impossible to read and fill out form to prove they never treated someone who lives on the west coast and i wish i had the funds to sue these jerks.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

I am writing to : Dispute a letter from Shellpoint Mortgage Servicing stating I had insufficient funds in my checking account to make a scheduled ACH  withdrawal payment in the amount of {$820.00} on XX/XX/XXXX. This was the second schedule installment of a three trial period payment plan. 
I scheduled my 3 payments with Shellpoint 's ACH withdrawal system on their website. My first  payment for XX/XX/XXXX and third  payment for XX/XX/XXXX both, in the amount of {$820.00}, successfully cleared Shellpoint Mortgages ACH  withdrawal system. 
I emailed and spoke to Shellpoint representative on the error that occurred for the 2nd scheduled payment submitted on XX/XX/XXXX for XX/XX/XXXX. I told her that I'm willing to provide proof from my bank account that : I had sufficient funds available for the Payment of {$820.00} No attempt was made from Shellpoint on my account ending in XXXX to withdrawal a payment of {$820.00} that I scheduled on XX/XX/XXXX. 
I asked her for the Bank routing and account number that Shellpoint showed setup in their system for processing ACH withdrawals from my account to make the 3 scheduled payments. She said it is my bank account and an account number ending XXXX. 
I said, Theres some mistake in Shellpoint 's ACH  withdrawal system because my account does not end in XXXX but it ends in XXXX. She said thats not true because shes looking at my information in their system and it shows all of my payments are setup with the account ending in XXXXfrom my checking account. I told her I can send proof showing my correct account number ends in XXXX, and I'm willing to make the payment today to correct the ACH Withdrawal error.

She refused my proof, and offer to make the payment for XXXX. She refused to investigate the ACH  withdrawal error from their system showing my account ending in XXXX. 

I contacted my bank and asked if they could provide me proof on this ACH  withdrawal error that occurred on XX/XX/XXXX. My credit union found evidence that Shellpoint Mortgage attempted to make a withdrawal from the wrong account that ended in XXXX. 
I also would like to add that Shellpoint never Called or emailed me about this payment error. However, they sent a letter with incorrect address. When I reviewed the emailed copy of the loan modification letter from Shellpoint, I informed them that this address was not correct and needs to be updated to my correct address. The lettered was dated XX/XX/XXXX, and I did not receive the emailed copy until XX/XX/XXXX. This only gave me 4 days to review the loan modification or any errors and begin making payments. 

I paid the Legal advocate team over {$2000.00} to help with the loan modification which started in late XXXX. After my house went in foreclosure  in XXXX of XXXX I gave them nearly {$900.00} to help resolved this issue. But as of today they have not done anything.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Zimmerman & Zimmerman, P.A. (KS)

I don't remember exact dates anymore, but Zimmerman & Zimmerman no longer have XXXX XXXX as a client. When my credit card went over and had to pay all fees etc, my checks were garnished and the fee paid in whole and satisfied. XXXX AND Zimmerman & Zimmerman did NOT report this to collections. As such, I still have a civil suit against me ( showing on my record from FIVE YEARS AGO ) to where lenders can't loan me money for a much needed new vehicle. I HAVE THE SATISFACTION LETTER. In the days this has happened, I found out XXXX is NO LONGER a client of Zimmerman & Zimmerman. As such neither have ANY record of my satisfaction letter, but I DO have a hard copy.
Consumer complaint received 2020-02-16
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)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap 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
Consumer complaint received 2020-02-16
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)

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap 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
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

In XX/XX/2021 Chime suspended my spending account. They asked me to send in verification documents. I did send the requested documents. I was advised at a later date XX/XX/2021 that my account was closed and my funds were not refundable. I sent another email asking where the remaining funds would end up. I was advised if I send in proof of the funds origin I would receive a paper check. I did that but was later told in XXXX that the funds would be sent to the original sender which is the XXXX. Now I can no longer get in touch with Chime. They only send prepopulated email responses and the XXXX has not received the funds.