davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
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: Resurgent Capital Services L.P. (PA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 USC section 602 states i have the right to privacy.

15 USC1681 section 604 A section2 : it also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2022-05-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

This collection agency is using an intimidation tactic by placing this information on my credit report to try to collect a debt that does NOT belong to me, I HAVE NO signed contracts with them, OR THEIR CLIENT. I am considering filing a lawsuit for violating the FAIR DEBT COLLECTION PRACTICES ACT For each violation uncovered and for each credit report this account is listed
Consumer complaint received 2023-07-29
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizen Financial Group , Inc has been providing misleading advertisements about scholarships through their other business XXXX XXXX XXXX XXXX, and their scholarship programs. The XXXX XXXX website states, You can stack your scholarships so the amount of aid you receive XXXX XXXX, unlike loans. The statement is misleading and has forced students into acquiring additional loans or dropping out of college. Citizen Financial Group and XXXX XXXX have known about scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Citizen Financial Group and XXXX XXXX have used these advertisements to mislead students into applying for scholarships so that once the students become victims of the practice, they will get Citizen Bank loans. XXXX XXXX and Citizen Financial Group must be investigated for their misleading and predatory advertisements.
Consumer complaint received 2022-05-05
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. (FL)

XXXX XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX XXXX  before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to Self Inc business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc (OH)

I have an account with affirm that was with another collections agency that was returned back to them. I never even got to make a payment on it before it was sent back. Now its been sitting with them for months, I am hard of hearing and a XXXX veteran so once again calling on the phone does not work for me. I need a messaging service but can not get what I need to get done and they just tell me to call in. 

I am trying to figure out whats going on with this account and why hasnt it been sent to another agency like XXXX or XXXX XXXX since the other agency failed to maintain my file. 

The loan number is XXXX. 
Id like to get a payment plan set on this to get it done and over with. I will be requesting a payment plan.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Somewhere in the last days of XXXX of last year I lost my wallet and my phone at the casino. Which included all my cards and personal information. About a week after that incident the casino got a hold of me and said my belongings had been found and turned in. Now I have this consumer report of some fraudulent activity which I have no idea of and honestly this has been really overwhelming time for me I cant bank with anyone, anything I apply for gets denied automatically its been ruining my life I have disputed multiple times and no body has seem to care or want to help me With my situation am begging for some help I believe I am a victim of identity theft.
Consumer complaint received 2022-03-15
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. (PA)

Hi, my name is XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2024-02-04
Product: Credit 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: Chime Financial Inc (PA)

XX/XX/year> I was charged {XXXX} for a past balance from XXXX of XXXX  from XXXX. Not knowing what the transaction was for I disputed it. I agreed that I owed that money. The first XXXX} deducted was never returned to me.On XX/XX/year> I was charged another XXXX. I disputed this also. On XXXX the XXXXXXXX XXXX XXXX} was returned to me. However on XX/XX/year> I was charged the same XXXX again for the 3rd time. I reached out to the bank disputed the transaction and they denied it Im filing a claim before I file a lawsuit in court due to theft. Account number XXXX
Consumer complaint received 2022-05-05
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. (OH)

On XX/XX/2022, I filed an online application. For a HELOC with my bank, XXXX. Starting Monday late morning until today, I have received numerous calls from creditors noting that they received information from Experian that I was looking for a mortgage product. 

To be clear, I did not go to an website looking for the best offer. I started a business transaction with XXXX directly. After receiving a request from XXXX to check my credit, Experian shared that request with everyone in that industry. As a result, my phone is now being spammed with 15 - 20 calls a day. This incident is impacting my business.

Are credit reporting agencies permitted to share your request with anyone at any time without permission or regard for the individuals privacy? It is my strong opinion that I have been victimized by Experian. XXXX is also a victim in this case as experian shared their request and now everyone in the industry is attempting steal their business.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I sent out my mortgage check ( check # XXXX - {$1000.00} ) via mail paid to the order of Connecticut Housing Finance Authority on XX/XX/XXXX. The address on the envelope was incorrect and got sent to an address to a Towing Truck Company. On XX/XX/XXXX, the check was cashed and my funds were released to I presume the Towing Truck Company through a Bank of America in Illinois. My mortgage company did not receive any type of payment for that month. I also want to note that check XXXX was not endorsed and XXXX  released the funds anyways. On XX/XX/XXXX, my bank, XXXX, sent a letter to Bank of America about this transaction. I was told that BOA has 90-120 days to respond. Tomorrow would be 90 days so I called XXXX to get an update. They told me that they contacted BOA yesterday and BOA told them that they " lost '' the claim, so they faxed them it again. I contacted BOA today and I was on the phone with them for almost one hour, handed off to 4-5 different people, me telling the same story and getting the same response. I told them I have had enough and that I will be pursuing legal action. So just to make sure I contacted my mortgage company to inform them that I will be making a formal complaint against BOA and XXXX. I wanted to give my mortgage company a heads up just in case they get asked questions regarding my situation. I was put on hold and she told me that BOA reached out to them on XX/XX/XXXX in giving me a credit of the full said amount and that the cashiers department in my mortgage company is working on getting a credit applied towards my mortgage. I was told by my mortgage company that to give them a couple of weeks to check back to see if my account has been credited. Today, XX/XX/XXXX I contacted my mortgage company and they said that BOA will issue the refund towards my XXXX bank account. I called XXXX and they have not heard from BOA sinceXX/XX/XXXX. I told them what happened when I talked to my mortgage company and they will reach out to BOA today. I then called BOA and told them I was reporting them to the CFPB and to put that in their notes. I am appalled at the lack of competency in the 4-5 BOA customer service representatives to tell me that the issue was supposedly resolved, but there was nothing in their files, but clearly is not resolved. There is no reason why this is taking so long. I am disgusted by BOA and XXXX on how they are handling this claim. Both parties were incorrect and I question the training of the employees of both companies. I just want my money back that is owed to me so I can move on with my life. Attached is the letter from XXXX reaching out to BOA on XX/XX/XXXX. Thank you.
Consumer complaint received 2022-05-05
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. (GA)

2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and XXXX XXXX failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries
Consumer complaint received 2017-09-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

Citizens Bank / XXXX XXXX XXXX XXXX has me listed on my credit as of XXXX 2017 as being 120 past due I have not been 30 days late in 4 years. I sent to Citizens CET department a list of all payments including the confirmation numbers that the payments cleared. Citizens also added a fee of {$640.00} for an appraisal fee and told me it is because I was more than 90 days late ( which is not true ). I am trying to refinance my home and can not because of their false reporting of this. I faxed and emailed them on X/X/2017 although they have contacted me and acknowledged they are looking in to this but will not straighten this out.
Also they charged me a late fee of {$10.00} because they say its more than 10 days past due but there is a 15 day grace period.
Consumer complaint received 2017-09-07
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. (MO)

Transunion is violation of the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681I ) ( a ) ( 5 ) ( B ) ( ii ). They failed to notify me of the reinsertion of XXXX in writing within 5 business days. This account was removed several months ago from my credit report after I disputed it. I noticed that transunion just added it back on my credit report and refuse to remove it. This is a very serious violation of the FCRA.
Consumer complaint received 2022-05-05
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. (TX)

I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a XXXX balance.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

2nd Request On XX/XX/22 I informed XXXX that it was XXXX fraudulent accounts on my credit report. Some try to get a car or something in my name. There should be a fraud alert on my report. So Im not understanding how my credit is being pulled without my written consent. XXXX and Trans Union failed to do an investigation after they responded and said the was working on it. Per the FCRA this is a violation with can result in a of XXXX per I deleted item per Section 611 ( a ) ( 5 ) you failed to investigate this. Plus delete these fraudulent inquiries to day. I have a car and credit with XXXX XXXX and didnt go looking for a car!! 


Please see attached ftc report and inquiries
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

these are the inquiries i didnt authorize and are fraudulent on my credit report 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  only, 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
Consumer complaint received 2022-05-05
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. (TX)

I have submitted court documents to the credit bureaus showing they're reporting incorrect information, for an account that should not be in collections, and does not have a balance. They have not removed these accounts from my account stating that the furnisher confirmed the information. As I've told the credit bureaus, this information is not correct, and I have provided legal documentation, showing a zero balance.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-24
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. (IL)

I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, Equifax, and XXXX continue to report this as a paid collection instead of deleting.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MA)

On XX/XX/XXXX I requested to have my XXXX with Coinbase sent to another wallet. A 3 day delay was initiated unless ID was verified for an immediate send. I complied even though I have had transactions with this company for several years. I sent my DL and selfie both via their web interface and app as requested. Both image files and live camera shots were sent. I was told on 3 separate occasions via the web interface that my identity had been verified. An email confirming such was never sent. The XXXX transfer remained on hold. After the 72 hour hold time had passed, it now reads on the app that the transaction is on hold until XX/XX/XXXX at XXXX via the app. The web interface says current time ( see screenshot ) This is egregious. How can a company like Coinbase be allowed to do business in this manner? They are a public company.
Consumer complaint received 2022-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-03-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank Growth Money Market Account was opened and added to my online banking. I did not request nor apply to have this account opened. I have contacted TD Bank to have the account closed and investigated. TD Bank submitted this situation to their Fraud department. TD Bank recommended that I also submit a report here.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

XXXX HARD INQUIRY XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX HARD INQUIRY XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I DINT MAKE THIS INQUIRY AND I WILL LIKE TO REMOVED THEM FROM MY REPORTS
Consumer complaint received 2017-09-07
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: DISCOVER BANK (TX)

I filed dispute with XXXX on XX/XX/XXXX against XXXX XXXX in the amount of {$2800.00} for flooring installed on XX/XX/XXXX. The company did incorrect install which is clearly defined in an independent Engineering report that they paid for. They re-installed the flooring again incorrectly this year in XXXX, clearly defined in another Engineering report they paid for. I faxed reports and all other documentation supporting my case on XXXX. Discover took 28 days to acknowledge they have documents. I uploaded documents to them on XXXX as well. Discover supervisor XXXX told me today XXXX, unless I have document from XXXX XXXX stating I 'm due a refund or credit they will not be giving me my money back. Well, that is an idiotic statement. A dispute is because a merchant refuses to refund money. I have been given so many different reasons why I wo n't get my money back. It 's all made up lies by Discover. They are not honoring their contract with me, their customer that is clearly defined in their own terms and conditions. I spoke with XXXX XXXX in consumer advocacy executive department today. Got the same runaround from him. He told me he ca n't help unless the case is closed. Does n't a company have certainly legal responsibilities they have to abide by? They should n't be able to get away with this. I 'm told they will close case on XXXX. That 's 3 days. Hardly enogh time to adequately review my case. I was also told they do n't have to do anything because I 've waited over 120 days to complain. No where does my terms and conditions state this. They already made up their minds to not pay. How can your agency help me?