davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (CO)

On XX/XX/2021, The colorado unemployment services issued electronic deposit into my account with Current Bank for the amount of XXXX, the payment never applied to my account. I was sent several payments by CDLE and this one never posted. I have filed over 25 complaints given them proof including a letter from the CDLE to Current including in the letter a trace # for the electronic deposit. My account ending in XXXX with current Bank routing number is XXXX, acct ending in XXXX, and the trace # is XXXX.
Consumer complaint received 2020-12-14
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-12-08
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. (TX)

You didn't really have my issue as one of your options. I have basic and general complaint against XXXX. These credit agencies are terrible companies. They don't do anything to help consumers. They have only screwed me. They don't raise my credit score even if I have 0 collections reported, 100 % payment history. They don't share how they calculate my score yet they use it to allow banks and credit cards to XXXX me on interest rate. My score doesn't go higher with positive actions but if I use a credit card my score goes down substantially. It is a disgrace that banks use this unequal measure to legally discriminate against non rich people. They should be illegal. They really are only in collusion with banks and lenders and the XXXX of consumers. How can the consumer protection bureau allow these companies to XXXX over hard working americans by allowing banks to use a score that is so partial and non objective it is scary. Then they charge me to have access to my own information! How in the heck can that be right? I can get one free report a year? Why not any time I want. It's such a shame they make millions probably billions from my information then charge me for it. How about use some of that money they make and help people get out of debt?
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION (NY)

TO WHOM IT MAY CONCERN : I was required to pay a fee to open up a checking account in order for me to become a member. However, my access to the online portal has been blocked for some time now and just recently I received a letter that informed me that PenFed is no longer serving my account. Meanwhile, I have not received a refund for member service charges or any notification on why the checking account was closed. Furthermore, membership to PenFed documents does not show any claim that PenFed reserves the right to close memberships including checking accounts without notification or consent or withhold refunds.
Consumer complaint received 2018-04-17
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (GA)

My daughter ate my money order for my rent ... {$970.00}. I didnt give it to her directly ... she managed to open my wallet ... which is pretty skilled for a then XXXX  month old. Anyway, the place I purchased my money order from said they couldnt refund it. I did purchase another one because I had to pay my rent. Then I called Western Union. They said I had to fill out a form and pay them {$15.00} per money order to receive a refund- and the processing takes 30-60 days. Well that was 30 days ago and they are saying they didnt receive my paperwork- which included the damaged money order, the fee, and the refund request form. Ive asked to speak to several managers each time it ends up going to a dial tone. Ive talked to like 8 different people. I dont know what to do. Theyre not XXXX  accredited.
Consumer complaint received 2022-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed a collection on my credit report 's all XXXX of them by doing a dispute online and then by letter asking to remove inaccurate credit information ( XXXX XXXX XXXX ) bought a bad debt which had been charged off by the original creditor that has fallen off my credit report, I did not have a contract with them and they are reporting on my credit report and by law you must not report any inaccurate information on my credit report and that is inaccurate because I didn't have a contract with XXXX XXXX XXXX, when I checked with XXXX I was told it was valid!
Consumer complaint received 2020-12-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (ID)

I was furloughed from my employer XXXX XXXX in XX/XX/2020, and had called One Main for assistance due to Covid 19 forcing our agency to cut staff and my position no longer available. Initially, they were able to assist by lowering my payment from {$390.00} to {$100.00} for a period of 2 months. In XX/XX/2020, my furlough was extended a 2nd time to an additional 3 months, and I was told by One Main that they were unable to extend the {$100.00} per month agreement but double it to a monthly payment of {$190.00}. I was unable to pay this as my unemployment had run out, and I was barely able to make ends meet. So 2 months went by, and I received a call from the One Main collections department, who offered to re-negotiate my loan to {$190.00} per month for the next 5 years if I agreed to pay 2 months in advance. I was able to secure a loan from a family friend, and paid them as agreed providing they update my credit report to no longer show me as delinquent, and also to honor the agreement they had made. 

I have not yet have had my credit report corrected, and am showing past due amount of over {$700.00}, which is not what I agreed to. In addition, every time I call One Main to ensure the loan modification has been processed and my credit report updated, I am told that they forgot to finalize, and they make me feel like I am being swindled.

I don't have anywhere else to turn but you, to plead my case and ask that you reach out to One Main to have them honor what they agreed to, and also to protect me from bad business practice, which I feel that is happening. I feel completely victimized and at the mercy of a predatory lending agency, that has no interest in helping me. I am a veteran of the armed forces and served my country proudly in the XXXX XXXX. 

Please help! 

XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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: CITIBANK, N.A. (KY)

In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my second complaint to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting. 

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint. 

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.
Consumer complaint received 2022-05-04
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. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX  Collection Agency- Account Number # # # # # # XXXX ( no account number provided ) has violated my rights : 15 U.S. Code 1681 Section 602 A- I have a right to privacy.

15 U.S. Code 1681 Section 604A- A consumer reporting agency can not furnish an account to my credit report without my written instructions.
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (KY)

I was late on my payments with XXXX XXXX XXXX due to covid and they sent my pay off to a collection agency ( Radius Global solutions ). They call very early or very late at night and insist on giving information about my card. I looked them up and everyone says its a scam company. Im willing to pay off the dept to get it off my credit report but im not getting any help from XXXX XXXX XXXX and I dont know what to do.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: snapfi, inc. (CA)

Dear Sir, I was trying to refinance my existing mortgage in the first week of XXXX, and the lender ( snapfi.com ) gave me a quote ( 2.62 %, covering all my loan costs ) which attracted me to give them my documents and sign for the refinance. 

They confirmed that they have locked the rate and took three months to complete the necessary process. Now, in XXXX, after they finalized all the process, they confirm that the loan was approved, but the rate lock is gone and trying to cheat me with the higher rates. ( higher rates not disclosed to me yet ). 

I have given them all the documents within their proposed timeline and i am frustrated after waiting for 3 months of time and the loan is not going anywhere. 
They spoiled my credit history and asked me to pay for appraisal and couple of statements from my existing lender. 

They are not doing a fair business and i request you to help me by taking suitable action against them. 

https : //www.snapfi.com/ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  Branch ID XXXX Best regards, XXXX
Consumer complaint received 2023-07-03
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. (NY)

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 U.S.code 1681 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

US Department of Education XXXX XXXX Has violated my rights 15 U.S.code 1681 section A states I have the right to privacy 15 U.S.code 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish Account without my written instructions. 
15 U.S. code 1681 C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item 's of information then records 15 U.S.code 1681 S - ( A ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that information is Inaccurate. 

This is for complaint : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Transunion- XXXX - XXXX
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Credit Karma (FL)

I am unable to open any new credit disputes on the credit karma app. I got an email prior to filing this complaint saying that there is a technical glitch. Please resolve this asap or give clear written instructions on how to remedy this error. I can not speak on the phone due to a XXXX but if you have a phone number i will take that too in case i get an assistant. But until then please reply in writing or give me an internal email to assist me. I want to be able to open more credit disputes for duragotory misinformation. Thank you. 
Here is the email i received attached.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I believe last year I had reach out to XXXX XXXX and you guys about this I had already dispute this 2 time I believe and I even had a letter respond from XXXX XXXX saying they seen the mistake that was made. I did not myself open this line of credit and they told me they would have taken care of it and to this day I still see it on my credit resport and I need it off.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 States i have the right to privacy.

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions.

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX  XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-14
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. (MA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being ignored and disrespected. Section 611 ( a ), plainly states that failure to investigate these items with in 30 days gives a reason to immediately remove these items from my credit report. I demand these accounts be deleted immediately other wise I will file litigation due to the stress and lost of income that this bad credit rating caused me. Per my attorney my information was impacted by the XXXX  data breach and this may be the way my information got into the wrong hands
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

In XX/XX/2022, I paid in full this credit card with the understanding from the creditor that they would update my credit reporting by closing the account and deleting this account completely from my credit profile.
Consumer complaint received 2021-09-18
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: Experian Information Solutions Inc. (MD)

illegal Re-Aging With respect to XXXX Visa Account # XXXX. This an account which came with an XXXX  XXXX  XXXX  that helped me pay off the balance during the period of my involuntary unemployment/Disability and the account was closed as of XX/XX/XXXX and the balance was paid off by XXXX  XXXX  XXXX. I am also submitting a XX/XX/XXXX Benefit Activation letter they sent to me for a sister account I had with them, I received similar letter for this particular account as well I respectfully refer you to the Experian credit report of XX/XX/XXXX, Report # XXXX ( Attached here as an Exhibit 1 ) Experian verified and noted that with respect to XXXX Visa Account # XXXXthe Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request In violation of The Fair Credit Reporting Act ( FCRA ) this same XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. Experian further noted in the aforementioned report : Status : Closed/Never late. This account is scheduled to continue on record until XX/XX/XXXX. Comment Account closed at the consumer request With respect to this XXXX Visa Account # XXXX with an Experian Date of Status XX/XX/XXXX. XXXX XXXX has unlawfully re-aged the account and now claimed that same XXXX Visa Account # XXXX belongs to XXXX XXXX falsely fraudulently claimed that it was Charged off by XXXX XXXX effective XX/XX/XXXX, this is not only erroneous but illegal as you know. But has recently claimed it was charged off on XX/XX/XXXX with phony credit/payment that I had not made since XXXX when I left XXXX as the account was closed in XX/XX/XXXX as verified by Experian. 
XXXX XXXX XXXX XXXX XXXX {$1100.00} Closed 69 potentially negative months Account Info Account numberXXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit : {$2500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$1100.00}