davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In order to submit my application for a lease, the landlord required I use TransUnion XXXX platform to enable the landlord and her property managers to review my credit and background check. When signing up with TransUnion XXXX on XX/XX/17 I had to pay a small fee of {$1.00}. Without realizing, upon payment of the fee I was then automatically enrolled into a monthly subscription for an unrelated credit reporting product. It was not made plain to me that this {$1.00} fee was merely a placeholder for the subsequent {$19.00} to be paid XX/XX/17. After my confirmation e-mail regarding my successful set-up of my TransUnion XXXX account, I received an additional e-mail from TransUnion with no reference to the " XXXX '' application/account. I assumed this e-mail was spam, advertising TransUnion 's additional products since it did not include any reference to " XXXX '' and because it arrived in my inbox so quickly after the initial confirmation e-mail. TransUnion XXXX should be marketed as simply TransUnion credit reporting so that consumers can clearly understand what they are signing up for when merely trying to complete an application and have the necessary parties review their credit history. It should be made clear that when you are signing up to share your credit report with a landlord or property manager that you are not also being automatically enrolled in an expensive subscription service for products that should otherwise be free ( access to credit score is available for free on other platforms ). Notably, there is no mention of this subscription on TransUnion XXXX 's FAQ page : XXXX XXXX XXXX This is my fault but as my e-mail filtered out Transunion 's e-mails as spam and because I did not carefully review my credit card statement, I did not realize I was being billed for a product I did not want for over 18 months. I am still working on trying to cancel my account with TransUnion. It is not straightforward to do so online so I will likely call tomorrow to finalize my account closure.
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 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: Experian Information Solutions Inc. (AL)

In accordance with Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2020-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been a with CAPITAL ONE BANK USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and 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 2020-12-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (NV)

I am unable to access my funds via online banking. Both on a computer and my XX/XX/XXXXThe messages I get indicate I should adjust my browser to accept cookies. My browsers do accept cookies. I spend 40 minutes with an XXXX technician and gave him total control via internet of my ipad. The verified both XX/XX/XXXXand XX/XX/XXXX browsers are set to accept cookies. I then tried to access my online accounts with CIT using my husbands computer ( also accepts cookies ) and have the same problem. 

I have phoned the CIT bank 3x and they insist the problem is no on their end. I have also emailed the CIT bank and have had no response. 

I have consistently tried to access my online accounts since Saturday, XXXX XX/XX/12. 

The bank is not trying to resolve the issue and I can not access my account.
Consumer complaint received 2018-04-17
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: EQUIFAX, INC. (FL)

I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to XXXX and Equifax for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
Consumer complaint received 2018-04-17
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: Experian Information Solutions Inc. (FL)

I am having a hard time correcting the payment status on my student loans from XXXX XXXX. The payment status is reporting inaccurately to Experian and XXXX for XX/XX/2015. There is seven loans with one late payment for XX/XX/2015 on them. There is four loans with one late payment for XX/XX/2015.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (PA)

Hi Experian, My name is XXXX XXXX. I sent you a letter regarding some inaccuracies in my report on XX/XX/2022 and I was expecting to get a response from you after 30 days. Unfortunately, it's been over 35 days already but I still haven't got any response from you so I am expecting the deletion of the negative items since you can not provide me a good response. I will make a follow-up after 30days regarding this matter.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2017-09-16
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. (MO)

i recently check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (MO)

i recently check my credit report and saw my citi credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY CITI PRESTIGE AND CITI SIMPLICITY Account Name CITI Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XX/XX/XXXX Balance {$6000.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OH)

I received a bill in the mail from Phoenix Financial, current creditor XXXX XXXX XXXX XXXX XXXX. for a medical service from XX/XX/2018. I went to an emergency room in  XXXX, VA for a XXXX XXXX due to a XXXX XXXX. I received a bill from the hospital, and I paid it in full. Now, two years later, I receive this bill. I called and spoke with a man who said lots of people have been complaining about the same issue. The issue is that the doctor or doctors that worked at that hospital decided to bill for some sort of service WITHOUT sending a bill. They just made up a bill, and sent it to either Phoenix or   XXXX for collection. If I had received a bill in a timely manner, I would have paid it, or worked out something with my insurance. The man offered me a discount if I paid up immediately. He also said that they couldn't go back that far to have any insurance adjustment made. 
Once I mentioned that I may have to take this up with my attorney, which I fully intend to do, the man became unsure of himself, as if he had to now speak to me " off the script. '' His last words to me were, and I quote, " I will file it correctly. Have a nice day. '' So, whatever this was about now was not even filed correctly! 
I spoke to XXXX at the Ohio Attorney General 's office, who told me to contact ConsumerFinace.gov to file a complaint.
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report, i have a credit card from my bank ( XXXX XXXX XXXX ). Its reporting that i have missed a payment in XXXX. I have never miss any payments for my credit card. This information is reporting incorrectly.
Consumer complaint received 2018-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2018 at XXXX PT I made a transfer money from wells fargo bank to XXXX in XXXX. It was a expressend service from wells fargo. I was sent XXXX $ from checking account. They said that money will be available on or before XX/XX/2018 in receiving location. But my sister from XXXX she didnt get any money. The XXXX said that money was not available and the confirmation number was incorrect. I dont know what to do. I have tried to call the wells fargo but i didnt have any good answers for me. Im so worries about my money. Please help me. Thank you
Consumer complaint received 2018-12-05
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. (ID)

Account XXXX XXXX wasn't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested Equifax to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Consumer complaint received 2018-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I applied for a money market account with a {$500.00} bonus. The terms state : " Heres the full scoop on how to earn your {$500.00} bonus : Open a XXXX XXXX XXXX account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional codeXXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' Can be found here : https : //www.capitalone.com/savings500/ I deposited $ XXXX at three separate times. My individual deposits exceed the $ XXXX requirement for deposit. The bonus nowhere states that a certain balance must be held or maintained. It simply states the sum of deposits -- which I've met.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently made some changes to improve my credit score. I started monitoring more and noticed a calculation error on Equifax 's website. I paid down my debt to 25 % which is correctly reflected on the report. However, the score is still under XXXX. 

When I go to the score estimator, for some reason it's scoring my information with a 45 % credit card utilization. If I adjust their score estimator to reflect 25 % ( as it shows on the actual report ), it says my score range should be 708-728. To some creditors, that's a big difference. I don't know where they are even pulling a 45 % utilization value. Please see the attached screenshots. 

I have tried calling Equifax several times in the past few months and they think I'm trying to change my score. I just want it calculated correctly, and it looks like a calculation error. 
If it's happening to me, it's happening to a lot of people.
Consumer complaint received 2017-09-16
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: Experian Information Solutions Inc. (MD)

Experian is making it difficult for us to place a credit freeze or obtain a credit report. 
It is impossible to place a credit freeze or get a free credit report on-line or by phone. 
They accept only snail mail and want a certified letter, along with a copy of a driver 's license/government issued ID and a bank bill. 
When trying to get the credit report by phone, we are told to " stay on the line '', then they do not respond. There on-line app similarly just states they ca n't provide it. 
We have not experienced a similar problem with XXXX or XXXX 

Is this not a violation of the law? Or are they hiding a problem with their security?
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed with XXXX XXXX, XXXX and Transunion about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and XXXX and Transunion refuse to investigate the accuracy of the account. Transunion sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.
Consumer complaint received 2019-08-28
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2024-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

I called Chime Customer Service- the number on the back of my Chime card - to ask them if there was any way that I could delay my car payment autopay by a few hours to give time for my check to hit my account. In the middle of the call with an agent, the call dropped. As I was about to try to call again, I received what looked to be a " callback '' from Chime. When I answered, the individual represented themselves as a customer service representative for Chime and told me I needed to " verify my account '' before they can proceed by sending {$400.00} to a " dummy account '' at a phone number I didn't recognize. They pressured me into sending the money, stating that it was a " dummy account for verification only, '' and that " we do this all the time with our customers. '' They stated that " not a single penny '' would actually reflect out of the balance once the transaction went through. However, the money actually did come out of my account, and was sent to a " XXXX XXXX, '' which is likely not even their real name. Then, at the end of the process, they asked me to send a screenshot to another phone number for " confirmation. '' Once they received it, they hung up on me. I attempted to contact Chime Customer service, and filed a dispute, which they told me would take " up to 45 calendar days. '' However, I just got the dispute result email this morning saying that they " found no error '' and would not be refunding my money. That money was for my car payment, I CAN NOT lose my vehicle for this.