davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Refinanced two loans back in 2008. Noticed wrong information on webpage a few years later including wrong schools attended. Told company said they would fix. This has gone on numerous times with no corrections. As a result I am questioning that Ive been paying consistently for 14 years and only have paid off {$9000.00} off my XXXX loan. Interest payments vary every month but {$20.00} or so and it makes no sense. I am consistent with payments. 
They ignore communications and I dont know what to do. I still owe AES {$30000.00} after all these years. Something isnt right.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

I reached out to US Bank who is my banker for HELOC for my primary home. Bank officials at XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) assured that I will get HELOC up to 80 % combined LTV based on home price and credit scores. My credit score is XXXX, and debt to income ratio is ~38 %. 

Once I submitted the loan, US Bank underwriting team asked me to prove US Citizenship, if I can not the combined LTV rule will be reduced to 65 %. Seriously? 

Because the Combined LTV has been reduced to 65 % the equity then can lend dropped down to {$15000.00}. Because {$15000.00} is very less amount to lend as per US Bank guidelines, they sent adverse action notice and denied loan. 

US Bank did not order appraisal to find out actual value of home either. US Bank did order my credit report. US Bank determined to discriminate and do not want to serve non-US Citizens it seems. 

I reached out to US Bank this is not fair lending practice, they did not respond or answer.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IA)

XXXX XXXX XXXX XXXX from Great lakes for {$5000.00} on XX/XX/XXXX XXXX dispersed for {$2400.00} on XX/XX/XXXX XXXX twice I only received it once and another XXXX XXXX XXXX  was taken out on XX/XX/XXXX XXXX for {$6000.00} dispersed XXXX for {$280.00} and another on XXXX XXXX XXXX for {$2800.00} my father only signed the XXXX for {$5000.00} I never received that full amount to {$5000.00} for the first XXXX and I never seen any of the {$6000.00} XXXX. My parents had paid off the loan in XXXX on XX/XX/XXXX and that is when I discovered how much they had been paying on this since XXXX and then we looked more into it and we seen this
Consumer complaint received 2018-04-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (FL)

In the first week of XXXX I moved from XXXX XXXX XXXX to XXXX XXXX. I had to change banks due to the fact there isn't a USBank for 1200 miles from XXXX. During that process I left XXXX dollars in the account, and placed a hold on the account to ensure no transactions were coming out of the account. On around XX/XX/XXXX I contacted USBank and asked them to remove the hold so I could XXXX the money to my XXXX XXXX XXXX account. During that phone call I asked them to then close the account. Over a month passes by and on XX/XX/XXXX I received a text notification that USBank had changed my address. This concerned me, as the account should have been closed, and they already had my new address. 
After receiving the notification I immediately called the bank and found out I had a negative XXXX dollar balance, mostly due to bank overdraft fee 's and penalties. At this time I attempted to close the account, and tried to pay what I thought was my actual expenses that came out of the account. ( I was actually double billed by my Student loan company. ) At this time I spent the next two hours trying to get them to close the account and settle up the difference of what was owed, minus and fee 's for their negligence. In this process they could not reach the right department, or could not find the right person to resolve the issue and close my account. At this point I am beyond upset, and am considering filing a lawsuit against the USBank. I need your help closing the account, removing any fee 's and help paying the actual money that I do owe to the company. During my two hours on the phone, they clearly demonstrated they should not be allowed to handle US citizens money, and the disorganization, and de-compartmentalization of the company clearly demonstrated they are attempted to defraud me as a customer. At this time, I now want my account immediately closed, and I will not be paying any fee 's or payments to close the account, including anything that was withdrawn from the closed account. This is the Banks error and they are liable for any payments withdrawn during that time. 

To anyone reading this statement, I do not recommend USBank to anyone, as they do not protect you as an individual customer, they care more about Bank prophets. They are a clearly should have their Business License, Operating License, Insurance, and another other US related rights revoked by the US government.
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: URS Holding, LLC (NC)

XXXX XXXX ( working on behalf of XXXX XXXX ) has continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (OH)

I wire transferred XXXX. To XXXX and then transferred into usdt, then deposited into XXXX platform. The XXXX refuses to allow any withdrawals until i send them XXXX. XXXX will not return my money for their mistake sending my money to a scam website. XXXX knows what websites are scams yet they continue to allow transfers to them.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (NJ)

Hi, I signed up for an M & T My Choice Premium Checking account promotion for holding a {$100000.00} average statement balance in the months of XXXX and XXXX to receive {$350.00} on XX/XX/XXXX and have yet to receive the {$350.00}. I reached out two times and called the support line numerous times. 

I finally got an answer from an agent that said that I was not eligible for the bonus because it was not transferrable, however, nowhere in the terms did it state that it was non-transferrable. Also, they claim that the promotion was expired, however, the promo expired on XX/XX/2022, per my record and I had applied ( and been approved ) on XX/XX/2022. 

XXXX attachment on this file shows the " current offer '' which is to open by XX/XX/XXXX and maintain the balance in XXXX and XXXX for a payout on XX/XX/XXXX. My offer was open by end of XXXX, maintain in XXXX and XXXX, with a payout on XX/XX/XXXX. 

The second attachment shows that I fulfilled the {$10000.00} balance prior to the end of XXXX. I can supply XXXX and XXXX statements of me maintaining the balance if necessary. 

My account number : XXXX Name : XXXX XXXX XXXX, XXXX XXXX
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 recently saw a copy of my credit report as I am in the process of purchasing a house. Transition has me listed as a joint owner on a vehicle loan that I do not own and did not take out. I sent a letter to them about the inaccurate information along with a FTC report and they stated the Information is accurate without no proof of investigation or documentation. The inaccurate information still remains on my consumer report.
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc (MO)

They furnished a report without my permission. Which Is a violation to pursuant 15 usc 1681b ( 2 ). I sent the two attachments and didnt receive a reply. They violated my right to privacy and failed to send me proof of me actually owing the company. They failed to comply with 15 usc 1692g and verify the debt. I also asked them to send an XXXX XXXX XXXX XXXX of the account and they failed to do so. I told them to cease all communications with me through any and all mediums and they are still reporting this account on my consumer report
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (MI)

I was a victim of identity theft, I was made aware on XX/XX/2022 when I pulled my free credit report online that's when I discovered that someone had opened an Credit Card with my Name and Social security number with XXXX XXXX and it is in collections with CAVALRY PORTFOLIO SERVICE. This Catastrophic error and negligence on behalf of CAVALRY PORTFOLIO SERVICE is causing a financial strain on my family as I am trying to become a first-time homeowner, now this process is delayed because of my discovery. Also, there are a host of unauthorized credit accounts opened when my identity was compromised.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

XX/XX/2023 Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Validation of Debt To Whom It May Concern : I am formally requesting that you validate all notation you have submitted to the three major credit reporting agencies by Southwest Credit Systems. 

I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, nor do I recognize the late payments associated with the account. Everything reporting here does not meet the FCRA.

1. Copy of the original contract with signature 2. A copy of the payment history 3. The name and address of the original creditor 4. Proof of collection authorization You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX, & XXXX or all that apply ) and update accounts to the positive. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
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. (MI)

TransUnion is reporting discrepancies with XXXX accounts, differing from information found on other credit bureaus. Having identified inconsistencies, it appears that TransUnion 's reporting may violate the Fair Credit Reporting Act ( FCRA ), specifically contravening FCRA XXXX XXXX ( a ) ( XXXX ) ( A ). I have submitted proof of these discrepancies and request prompt correction in compliance with the mentioned code.
Consumer complaint received 2021-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thrive National Corporation (TN)

XXXX of 2020 my XXXX National Fitness closed due to Covid. I called to close my account and end my membership. They told me I had to come in and fill out a paper to cancel. After months of continuing to stop by to sign the piece of paper, they were always closed when I went. I later found out the location closed completely. After paying for months for a membership that I could not even go to, I yet called again and got the run around that my membership was moved to another location and they could not close my account. I would have to come into that new location to cancel. I did that and they still did not cancel my membership. They continue to try and charge me and will not stop.
Consumer complaint received 2019-03-23
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. (WA)

Last Warning! Govern yourselves accordingly, Before i get to the aspects of my complaint I would like Equifax to know I've contacted my Secretary Of State to provide me the address to serve Equifax 's registered agent a federal Lawsuit for multiple negligent non-compliance violations. So Equifax Attached is the Cover Letter of Lawsuit papers i will issue if you dismiss my request one final time. 

Issue : Equifax removed items that were in dispute once, then lateXX/XX/XXXX they reinserted the negative information without properly informing me via a Letter and FCRA guildlines : FCRA 611 ( a ) ( 5 ) ( iii )  reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

DELETE THESE ACCOUNTS OTHERWISE I WILL FILE A LAWSUIT WITH OBVIOUS PROOF OF YOUR FAILURES. 
Accounts:1 ) XXXX XXXX XXXX 2 ) XXXX via Portfolio, 3 ) XXXX via XXXX.
Consumer complaint received 2019-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cadillac Accounts Receivable Management (FL)

Hello. I have an account with Cadillac accounts receivable. The highest I owed was XXXX $ I started a payment plan of XXXX $ a month to be paid on the first of every month through them XX/XX/2018. Everything went according to plan until we got the the last 2 . For what ever reason it was never deducted from my account. I have tried on numerous occasions to contact the viea phone calls. It's been over a month and no return phone calls were made to me. I want to be done with this as soon as possible. My credit is being affected at this point and it unacceptable. Please help me make them take my 2 . This is getting to be silly.
Consumer complaint received 2019-03-23
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)

Previous CFPB Complaint : XXXX Credit bureau is FALSELY reporting " Serious Delinquency '' on my credit report when all of my accounts have been in good standing for 7-10 years. 

The term " Serious Delinquency '' is erroneously used and represents defamation of character, as this false information affects my credit worthiness and credit score. 

I've attached screenshots of what I am referring to, where it shows TransUnion is erroneously reporting serious delinquency, and has recently dropped my FICO score from XXXX in XX/XX/2018 to XXXX currently when my report has not changed.
Consumer complaint received 2019-10-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/2019 USAA bank emailed my 2 CD accounts with the full account numbers listed in my email. I contacted the band requested to speak to security to ensure they stop this practice. They never connected me to anyone in security. I received canned statements how this is corporate policy and there was nothing I could do about it. I feel like my privacy is not guarded by this institution. I was satisfied when USAA was a credit union not anymore. Please let me know how I can deal with this situation. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX  XXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

This is an ongoing problem with Equifax for the past 30 days. Equifax has MIXED UP my brother 's information with mine. I have already contacted Equifax multiple times and they insisted the problem was fixed. They have mailed me a copy of my credit report 3 weeks ago. Although the information on that report was correct, I still see my brother 's information on my Equifax online account. 

I used my login credential to place a security freeze on my Equifax credit report online today. However, the confirmation letter has my brother 's name/address on it instead of mine. This means that Equifax still hasn't fixed all the errors completely. Please refer to the attachment.
Consumer complaint received 2020-12-15
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)

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (NY)

I am enrolled in XXXX, the free service provided by Experian due to the data breach, I was one of the affected customers. I logged into my account and there is a hard inquiry that I did not initiate or authorize, for a rental company based in XXXX, MA. I am a homeowner in NY. I attempted to resolve this online with Experians dispute process. Their website shows that you can not despite inquiries online and provides a phone number to call. I called that number : there is no option for a dispute. I repeatedly said dispute and dispute inquiry on the recorded line, and this answer/option was not available. This in and of itself is a huge consumer issue : direct the consumer to dispute fraudulent, identity theft inquiries by a phone number, and then that phone number does not offer that option. Pressing 0 and attempting to speak to someone was also not an available option. That number is XXXX XXXX. Then I called Experian customer service main number. tel : XXXX. Again, disputing an inquiry was not an option in the automated system, and pressing zero or attempting to speak to someone was not accepted. This is also a major legal issue. Hard inquiries impact my consumer credit score. Experience should not be permitted to not provide any way- online or via phone - to disputed inquiries.
Consumer complaint received 2023-04-09
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. (NJ)

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. 

XXXX XXXX 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 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.

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 2022-06-14
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX  # XXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions.