davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MD)

I got a private student loan to finance my XXXX expenses. I graduated in XXXX of XXXX. I then went to XXXX XXXX in XXXX of XXXX. Discover agreed to defer my loan payments until six months after I XXXX XXXX XXXX. I graduated in XXXX of XXXX. In XXXX of XXXX Discover decided that my loan was all of the sudden due on XX/XX/XXXX ( in violation of the agreement we had made ). After refusing to pay on my loan until XXXX as we had agreed discover began to endlessly harass me via autodialed phone calls. I called in XXXX to attempt to straighten things out. Discover 's agents said I could upload my transcripts to show I had been in school and that they would undo any actions they took that would undermine my credit score. I uploaded my transcripts. 
Discover all of the sudden said that was inadequate and asked for a certified letter with my dates of attendance. I called and explained yet again that I had graduated in XXXX of XXXX and my first payment should be due in XXXX. The agent on the phone said that is 100 % correct and I asked several times for her to confirm my payment due to date was now in XXXX. She replied in the affirmative. Discover decided to continually harass me anyways so I called yet again and explained the situation. Discover agent then told me to upload a certified letter with my dates of attendance and said if i returned to school the grace period would indeed be 6 months after I graduated my new school AND they would undo any actions they took against my credit score. I sent the letter and then was harassed yet again by auto calls. I called yet again and this agent said I had spent 6 months out of school between XXXX XXXX and XXXX and the grace period actually ended in XXXX of XXXX. I explained what I was told by the other agent and he did not seem to care and continued to just mindlessly read off of his script. He also explained that I missed fall of XXXX ( which was untrue I attended class in XXXX but spent a month in the hospital with a life threatening illness ) so even if I went back to school the grace period once again lapsed once I went to the hospital and demanded I make payment or my loans would default. 

In some discover made willful misrepresentations on the status of my loan. Lied about the grace period several times and reported fraudulent information that adversely affected my credit score. Not really surprising though because Discover did get sued by the federal government for deceptive trade practices. I'm looking forward to their canned response where they admit no fault and pretend to be sorry for the deceptive trade practices they employed against me.
Consumer complaint received 2018-12-18
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: EQUIFAX, INC. (AL)

XXXX XXXX XXXX is still reporting to Equifax when I have the deletion letter that they have sent me on XX/XX/2018! I have faxed this deletion letter to Equifax showing proof but they told me XXXX XXXX was still reporting! If this does not get fixed I will be taking XXXX XXXX and Equifax to small claims for damages!
Consumer complaint received 2022-06-19
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. (MI)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Hello, I sent a letter to Equifax ( XXXX Mail ), letting them know that they are reporting XXXX accounts inaccurately on my credit report. Equifax responded claiming they did an investigation on these accounts and they came back verified. As a consumer, I have the right to ask for proof of this investigation and they have not provided ANY proof. 

I have done everything I can as a consumer. Equifax is breaking FCRA laws! 
I told them they if they do not show proof of an investigation, to either remove these accounts or update them to " Paid as Agreed '' and they have done neither. 

CFPB, I plead that you help me. I don't know what else to do. Equifax is getting away with murder ( metaphorically speaking ). I don't think it's fair what they do behind your back and I seriously have all the proof that I've done what I'm supposed to do. 

The XXXX accounts in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have them update these accounts or have them removed. 

If not, please fine them. 

Thank you.
Consumer complaint received 2022-06-19
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. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # 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 2022-03-06
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. (KS)

Back in XXXX  i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists XXXX HARD inquires XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # 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 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-06
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 XXXX XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-12-01
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. (TX)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XXXX XXXX XXXX XXXX in XXXX XXXX, FL ( XXXX XXXX Airport Branch ) has failed to refund to my Bank of America account ( XXXX ) in the amount of {$230.00} after their desk agent at XXXX XXXX Airport stated that she would not charge my Bank of America credit card for the renting the same vehicle on Saturday XX/XX/XXXX. I returned the vehicle on XX/XX/XXXX.

Due to a name change on the driver my husband paid the rental via his XXXX credit card ( XXXX ). Her husband paid the extra charge which totaled {$230.00} since it was a last minute decision to include her husband as the main driver. I agreed to accept the extra charge as long as XXXX would reimburse my BofA account. The XXXX agent told me she would reimbursed the {$230.00} charges on my BofA account and would have to wait a few days for that charge to be reversed, since it was for the same vehicle. Hence, the charge on my Bank of America credit card account should have been deleted or refunded as promised. Bank America, was sent extensive documentation as well as a detailed explanation but refuses to delete or reimburse this charge when valid and reasonable proof was presented to their representative. 

I have included the required information that shows these charges are invalid and will attach them in this complaint which. 

XXXX invalid charge and BofA 's refusal appears to be a violation of EFTA, UDAAP, and FCRA regulations.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

On XX/XX/2018 I called Diversified Consultants regarding a collection on my Credit from XXXX. I asked the representative to send proof that the debt is mine and the representative stated she could send a copy of my bill. I told the representative that that is not proof. Representative argued that a bill is proof and that i would have to pay the balance to get removed. 42 days later I received a bill in the mail with charges but no actual validation of the debt. Called again and was given the same run around. I have no knowledge of the debt and the company is refusing to provide proof or to assist with removing inaccurate information.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (CA)

XXXX XXXX at Onetrust Home Loans pulled my credit without my authorization. Never spoke with him. Never interacted with any of his team members.
Consumer complaint received 2020-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, I applied for the Citi Account Package, which offered a {$400.00} bonus for making a deposit of {$15000.00} within 30 days of account opening and maintaining that amount for 60 consecutive days. 
In XX/XX/XXXX, I faxed documents to Citi for tax and indentification purposes. 
On XX/XX/XXXX, I realized I haven't received anything from them and called customer support. They said that either they didn't send out the card and the PIN number, or it was lost in delivery. They promised me that they would expedite the delivery and this would not affect my promotion. The agent specifically said that I have another 30 days to deposit the {$15000.00}. 
On XX/XX/XXXX, the card arrived. On XX/XX/XXXX, the PIN number arrived. 
After receiving the card and the PIN, I had problems with activating the accounts, because their system restricted me from adding a bank account after having a Citi credit card. And after 3 trials, I had to wait 24 hours before the next activation. 
On XX/XX/XXXX, I went to the branch and talked to a banker, who said there was nothing they could do. 
On XX/XX/XXXX, I finally succeeded and started to schedule ACH transfer from my bank account of another bank. 
On XX/XX/XXXX, {$15000.00} arrived in my Citi account via ACH transaction. 
On XX/XX/XXXX, I made a payment to my Citi credit card, and therefore reducing the amount to below XXXX, which is well past the 60 days restriction. 
On XX/XX/XXXX, I made an inquiry both by online messages and by phone. The agent said that they would conduct a review. I received a letter of confirmation later that day in my Citi online account. 
On XX/XX/XXXX, I received a letter in my Citi online account saying, that " your account does not qualify for this promotion because the required deposit was not made within the stated timeframe. '' On XX/XX/XXXX, I called the Citi customer support again and the agent said there was nothing she could do.
Consumer complaint received 2022-03-06
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 XXXX XXXX XXXX XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (NY)

I had contacted US Bank to cancel one of my credit cards back in XXXX when they posted annual fee for next year, and the representative promised to refund my annual fee of {$95.00}, but it never happened.
Consumer complaint received 2020-07-31
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. (CO)

Opening this complaint in response to XXXX XXXX XXXX  not doing anything with previous complaint XXXX. XXXX response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client XXXX is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 XXXX XX/XX/2017 ). XXXX XXXX XXXX can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
Consumer complaint received 2020-06-05
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX  XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland credit management has been making threatening and excessive phone calls. I have formally asked for detailed information on what the debt is for ( from XXXX  years ago ). They have not provided me any information. I just received notices from an attorney wanting to represent me that midland has a judgement against me and will freeze my bank account. This letter was from XXXX of 2022. Midland only demands payment and threatens me. They have not provided me any information on what the debt is specifically regarding.
Consumer complaint received 2018-05-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc. (MS)

Diversified Consultants called my employer before the open of business about a XXXX XXXX  bill that I have no knowledge of. It is not on my credit report and I do not know why they call me. The representative was very rude and I asked her do not call my job again or me because I have no knowledge of this.
Consumer complaint received 2022-06-19
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. (TX)

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  Account # XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXXEquifax Information Services LLC XXXXDate of inquiry : XXXXEquifax Information Services LLC XXXX Date of inquiry : XXXXEquifax Information Services LLC XXXX Date of inquiry : XXXXEquifax Information Services LLC XXXXDate of inquiry : XXXXEquifax Information Services LLC XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXXXXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Consumer Dispute Center , has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

I deposited a money order for {$960.00}, bought through XXXX XXXX, from one of my XXXX on XX/XX/2021 into my XXXX account at Wells Fargo Bank in XXXX Colorado. On XXXX XXXX Wells Fargo sent me an E-Mail that there was a stop payment on this money order and that they were deducting {$970.00} from my account.. That include {$12.00} for returned check.. 
XXXX XXXX says this check was cashed on XXXX XXXX, Wells Fargo says no there was a stop payment on it.. 
I am out {$960.00} and do not now who to turn to in order to get my money back..
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (CT)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.