davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
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. (CA)

On XX/XX/21 i sent disputes to the credit bureaus about UNLAWFUL activity on my credit report I noticed a few days prior. Transunion, XXXX, and XXXX have all failed to adequately response to me in a timely matter as all disputes should be resolved within 30 days!! it is now XX/XX/21 as I write this which is basically 45days and still haven't had my credit report updated!! It is law that failure to resolve and validate these accounts is grounds for them to be DELETED IMMEDIATELY.

Thes companies just do what they want to consumers like me and I won't stand for it, I know my rights and laws! Section 611 ( a ), it plainly stated 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 30 days so they should be deleted promptly. I demand these accounts be deleted immediately, failure do so and i will file for litigation due to violation of LAW and FCRA!

Also late payments that were reported while we were all in a pandemic is against the LAW! The CARES Act protects consumers from theses unjust reportings.The Coronavirus Aid, Relief, and Economic Security ( ChChch ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ).
Consumer complaint received 2018-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I went through a very turbulence time of my personal life, iwas not aware that bank of America have systematically release fund from my acct to a hacker, I found out and have contact the bank fraudulent department they have reverse some money but during that period the bank also charges me approximately 1300 to 1400 overdraft fee I have demand them to give back the fund they have refuse and claim it was to old, I have been a victim of both side please help
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Repeatedly called TransUnion to cancel my credit monitoring service with them ( {$17.00} monthly ). The first representative went on for 10 minutes about other products and became argumentative when I declined even the 'free continuation ' ( which XXXX **still** requires further cancellation later or it becomes a {$9.00} monthly charge ). I asked her to just process the cancellation, at which point she started rattling off facts about different products again. 

I eventually hung up and dialed again. The second representative hung up on me as soon as I mentioned cancellation. 

I eventually canceled online. This requires the following navigation : after logging in, click on 'frequently asked questions ' near the bottom of the page ; then go to the 'payment ' category, then 'How can I cancel my membership? ' This recommends calling, but also has a small link ( again, near the bottom ). After that, click to confirm three more times (! ). 

This process is ridiculous.
Consumer complaint received 2022-01-22
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one reported a late payment of {$19.00} on the account I paid in full last year. I was never notified of the outstanding balance, I never used the card after fully paying it off, so I paid it again in full. The ding on my acct should never have occurred. I paid the {$19.00} immediately when I saw it on my C-K report. It still reflects a negative remark that it was late. Look at all of my cc and other payments, not one of them are tagged with a " late payment ''. I filed a complaint against Capital One, but your investigation did NOT give a final decision to remove the derogatory. I ask that this " late payment '' remark be REMOVED FROM MY REPORT. THE ACCT IS PAID IN FULL.
Consumer complaint received 2022-01-22
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (TN)

Re : CEASE AND DESIST NOTICE ; ACCOUNT NUMBER : XXXX I am a natural person and federally protected consumer. In pursuant to 15 U.S.Code 1692c ( C ), this is my written notice demanding that you cease and desist all communication through all mediums including ( XXXX, XXXX and XXXX ) regarding this alleged debt. 

Pursuant to 15 U.S.Code 1692e ( XXXX ), the false representation of the character, amount, or legal status of any debt is a violation of federal law. The balance is a positive balance and seems to be owed to me. If the balance was owed in a bank account the balance would be negative. In pursuant to 15 U.S.Code 1692g, I am demanding that you provide me with documentation evidence and provide a contract bearing my signature for this alleged debt. 

Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Tennessee Attorney Generals office. 

Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws.
Consumer complaint received 2022-01-22
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. (NJ)

These student loans have been defaulted for years due to amount unable to pay. These accounts were closed and due to be removed however they were reported active after 8 years nonactive. This is past statue of limitations and should not have occurred. 
Please help. 
This school previously attended in which loans are from are from a closed down school back in 2007 due to fraud against students. XXXX XXXX
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank closed my account because I deposited a check and it took longer to clear. They assumed it was fraudulent activity. They started trying to close it. The check cleared. I came in the branch for verification and withdraw money. I left a balance of {$30.00} because they said if I took all they were going to close it. They turned around and did it anyway. They said they mailed a check out never received. They said they were going to investigate and send me a new check to my new address. The last check they claim they mailed was sent to my sister address. Which I still have access. I just want my money and to be done with this bank. Inconvenience. When I call now they give me the run around. You can't keep my money. They had no reason closing my account in the first place. The check cleared. I wouldn't have known it was close until I tried to send my money into the account and it wasn't going through. They froze the account and debit card. Then closed it.
Consumer complaint received 2022-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (MA)

Hello I have touched base with Guaranteed Rate to try and get my Year End XXXXXXXX for loan for account # XXXX. Guaranteed Rate were the original lenders and servicers of the loan before passing it on to another bank. I was told the statement will be in my online account. I am assuming this is the same online account as the portal that I used for loan servicing. I am looking for the Year End XXXX. Please provide me my XXXX. 

Thanks XXXX
Consumer complaint received 2022-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. The information which appears on my credit report, does not relate to any transactions that I have made and are related with my current open accounts. The following are the results of identity theft.
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (ID)

HAVE PLACED A CREDIT FREEZE ON PROFILE AND ACCOUNTS CONTINUE TO BE OPENED IN MY NAME. HAVE REPORTED IT TO XXXX XXXX, XXXX, XXXX AND NOW XXXX  XXXX. WITH ONLY XXXX XXXX REPORTING INQUIRY AND ACCOUNT AS FRAUDULENT AND NOT ON MY CREDIT REPORT. THE OTHER COMPANIES ARE STILL REPORTING AS IF OPENED AN ACCOUNT THAT WENT BAD.
Consumer complaint received 2021-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (LA)

On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX for {$710.00}. I realized it was an ER visit I had on XX/XX/XXXX due to a workplace accident. An authorization was obtained from my office manager before I even left the office, and they called the ER to let them know I was on the way, and it was to be paid by workers comp. I was able to return to work the next day, as I sustained no injury. I know of no previous collection attempts prior to the notice I received XX/XX/XXXX, and was unaware of the unpaid status of the claim. I sent a written debt validation letter by certified mail the next day on XX/XX/XXXX. It took them nearly 4 months to respond, and included were my diagnosis codes and treating physician. They did not include any evidence that I am contractually obligated to pay this debt. I did not give them permission to have my diagnosis codes / personal medical information.
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

Simple Bank ( an online bank ) was acquired by BBVA USA. On XX/XX/XXXX, BBVA converted all Simple accounts to BBVA accounts.

During this conversion, the bank encountered system errors and I ( and many other ) users were prevented from logging into their system to complete the conversion.

I have been unable to discern the correct path to regain access to my money. The bank ( BBVAUSA ) has not informed impacted members on how to gain access to their money. 

Their callcenters are not answering phones. I want to close the account but I can't do that without any access.
Consumer complaint received 2018-07-10
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. (FL)

I had a credit card with XXXX XXXX. Card # XXXX XXXX XXXX XXXX. Card was open on XX/XX/XXXX with a limit 0f {$1600.00}. At some point I had financial difficulties and was not able to keep up with payments. Eventually, credit card amount was charged off by the company. But I was able to settle the account in XX/XX/2014. Despite meeting my obligation, the account has not been updated w/ credit bureaus. I have discussed this twice with XXXX XXXX without getting anywhere. I would like help to get XXXX XXXX to update this account with credit bureaus. 

Thanks.
Consumer complaint received 2022-04-08
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. (IL)

Transunion XXXX XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692
Consumer complaint received 2021-05-13
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: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-07
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. (MA)

In accordance with the Fair Credit Reporting act 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  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-07-07
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. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

the account was frozen by capital one. false promises to lift freeze claiming account that I have been using to pay is not mine. the same account I have been using for 8 months. they refuse to call back and refuse to unfreeze my card. They keep making up a bunch of jive to justify it. but after a year holding this card and not having any issues, it seems they are just debt climbing their customers and dumping on them.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Bankruptcy — 
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I filed for chapter XXXX bankruptcy and was confirmed in XXXX 2013 and first national bank of omaha was XXXX my creditors. they are reporting late payments and overdue balance in violation of the agreement. i believe this is in violation of the fair credit reporting act and an aggressive attempt to get me to pay a debt that is under bankruptcy protection. i have tried and failed to get any resolution from them and this is destroying my efforts to rebuild my credit and preventing me from doing an fha streamline on my home.
Consumer complaint received 2022-01-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/21 around XXXX, I received a fraud alert text form a number posing to be Wells Fargo XXXX when I responded no ( as in No the transaction being put on fraud alert is not me ) I received a call from XXXX, with a person claiming to be a Wells Fargo fraud center rep, who advised me I had multiple fraudulent XXXX transactions being pulled from my account. They then proceeded to explain I needed to go into my mobile banking and sign on to XXXX, create myself as a recipient and give them the code, so they can receive the money being pulled out and send it back to me. I asked why they could not just stop the transaction, and was advised because XXXX is a third party app, they were not able to do so. Therefore I proceeded to comply thinking I would just stop the money from being fraudulently taken from my account. Once the transaction was completed, they hung up on me. It was not until after, that I realized they swapped one number out from Wells Fargos XXXX number ( XXXX ). I immediately called my bank an filed a fraud claim and asked if they could stop the transaction and refund my money. After multiple phone calls to check on on my claim status, Wells Fargo advised me they Do not guarantee goods and services through the XXXX app, and denied returning my money. I have now lost {$3000.00}, that I will never see because I trusted my financial institution. I believe this is a violation of the electronic funds transfer act/regulation e, and am trying to find a channel where I am pursue resolve. I hope the cfpb can help me. Thank you.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

My Synchrony Bank Care Credit account statement closes on the XXXX and is due on the XXXX. My promotional balance is due on the XXXX, so I scheduled payments for the XXXX so that I would not be late on my promotional balance. I got charged late fees for XXXX months, {$37.00} and then {$49.00} even though I had been paying my statement ahead of time. I called and the automated voice mail reversed the first fee and then they sent me a link to fix any other issues. The link did not work, so I called back the second day and after an annoying automated phone system, I was able to speak to a very nice lady XXXX who told me that the reason I was being charged late fees is because I was paying my bill on my statement closing date! I was ahead on my payments but getting charged late fees! That makes no sense. I wonder how many people end up just paying it. I have had issues with this company before, charging me late fees when I had a balance, and they did not apply my balance to my expense.
Consumer complaint received 2023-01-13
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. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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
Consumer complaint received 2023-01-13
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX