davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I sent Transunion a letter XXXX XXXX 2015 questioning several accounts on my credit reports. I sent the same letter to the other XXXX credit bureaus. They responsded. Transunion has not yet responded and it is way over 30 days. They were supplied with copy of my drives license, social security card, and a current bill copy. No reason to not write me back.
Consumer complaint received 2024-02-12
Product: Credit reporting 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 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.

15USC 1681 a ( d ) ( 2 ) ( A ) ( a ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet you are reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( I ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Home Loan Center, Inc. (IL)

Last week XXXX I called ti try to get loan was told that I qualify for XXXX  but because my credit score was not good I had to take out insurance and I didn't know that may be a scam I also had to send money to a person then I was told I would get my loan then a person named XXXX XXXX took over a from there everything went down hill.now I am overdrawn XXXX I am XXXX and I hope you all can help.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I have had my student loans through XXXX and now Navient since 2006! My loans have collected interest over time at an alarming rate, due to my inability to pay them, despite several attempts to get on some sort of affordable payment plan. Despite my attempts at paying something affordable, I have never been told my options for affordable repayment. Navient/XXXX has harassed me by repeatedly making phone calls to me regarding my loans, repeated phone calls daily to my cell phone during working hours, calling relatives, even going as far as to contact my brother 's wife 's mother- whom I do n't even have her phone number!!! Navient told her information about my account being past due and even continued to call after being asked to stop. I have no idea how they obtained her phone number! I have asked repeatedly for help on these loans but am only given the option of forbearance, or told if I wanted to get on a repayment plan I had to pay over {$1000.00} right away in order to do so! I have also been forced to pay the. " Right away '' in order to get my into forbearance. They have also asked if I wished to place my accounts into forbearance through automated text messaging, without first validating any personal information about me or my account. This company has prevented me to ability to purchase a home for my family, leaving the XXXX of us stuck in a XXXX bedroom apartment. I am sick of the unprofessionalism, the impossibility to be able to ever pay back these loans, the unwillingness to work with me to lower payments and the constant harrassment!!!! I will likely never own my own home just because I wanted to get an education and have been lied to and coerced and mislead by a company I had trusted with what is now {$80000.00} of debt!!!
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

On XX/XX/2016, I made a purchase in the XXXX 's department of Macy 's in XXXX, PA. I was asked by the sales associate ( a woman ) if I had a Macy 's credit card. I said yes and showed it to her. The sales associate then told me that Macy 's was " doing away with '' their regular credit cards and was switching to the Macy 's American Express credit card. If I signed up for XXXX on this day I would receive a discount on my purchase. The sales associate also stated that I should switch over to the Macy 's XXXX card because I would have to do so in the future anyway. I have since learned that this was completely untrue. This is credit card fraud, and what the associate did was very wrong. I have contacted Macy 's numerous times in numerous ways and no one will respond to my complaint. I assume that if the sales associate did this to me that she did it to several other consumers. My biggest concern is that this is a common practice for Macy 's sales associates everywhere. I may consult an attorney regarding a class action lawsuit and additionally report this to the XXXX Office of XXXX.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK (TN)

On XXXX I requested to withdraw funds from a bank teller. Bank teller told me immediately to hold on ( I have withdrawn funds before without hesitation ) ; this time bank teller spoke with manager. Bank teller tells me that the funds were in a pending state and were not available for XXXX hours. This was false because I had checked the available balance minutes prior. The funds were available for immediate release. I then asked to speak with a manager. 

The manager had me waiting for 15 min. She came out and told me a different reason as to why I could not withdraw funds. She says that there was a credit hold. Both narratives do not add up at all and was a ploy to stop me from my rights. I attempted to tell the manager that I was an acting power of attorney and I tried to show her paperwork. This manager not once didnt even ask for my ID or to read the document itself. Had she done that she would have known that she was ruling a personal judgement not professional one, one in which she and her teller were getting into personal circumstances. This goes against a power of attorney document.

The manager tells me that I was to file my paperwork with their legal department. I told her that I was at that bank just last week and presented my document to one of their clerks who advised me that there was no need to do so since my name was already on the account, but there was a need to store this paperwork because now the manager and other staff denied me of making financial decisions for my father. They instead made it for me and it was not their call, not their business I asked about the credit hold. The manager refused to give me details, which I should be privy. She just said no one would have access to the account until my father and I worked things out. I told her she is not in an area or field to make that call. She isnt a counselor. She is supposed to abide by the tenants of the XXXX document. 

Not an hour later, several unauthorized withdrawals were made by father who was alerted of my correspondence with the bank. This bank inserted itself in family business, because of this an elderly man is falling prey to financial abuse because there isnt anyone protecting his assets. I am highly upset and concerned about the ethical, banking practices of some of the tellers, the manager at the Cadence Bank in XXXX.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I am disputing a {$100.00} charge that XXXX says that I owe them. I disputed the charge because of poor quality of service from them. My credit card company ( XXXX ) which had been automatically paying my Dish monthly charges for the past two years agreed with my dispute and credited my account for {$100.00}. Based on that I thought that the issue had been resolved. Subsequently a company known as XXXX XXXX ( a collection agency ) obtained the account from XXXX and filed it as an unpaid account wth the credit reporting agencies. I have documentation from XXXX indicating that the issue had been resolved. I feel that the credit reporting agencies unfairly accepted the information from XXXX. As a result my credit score unfairly affected.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am being billed for an item I have no knowledge of, until I received a letter from the collection agency. I was out XXXX for a period of time and I believe someone that resided with me at the time, created an account with out of my knowledge.attached is my credit report
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the account which do not belong to me or were opened without my permission : XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$760.00}.
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (LA)

I have submitted several letters to Experian disputing this Account with ( XXXX XXXXXXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION : Last verified '', ''closed date '', ''last payment '' and ''creditor remarks ''. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED. 

In addition, I have been sending dispute letters to Experian and they have FAILED to update the ''dispute status '' of this account. 

According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against Experian credit bureaus and ( XXXX XXXXXXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MI)

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.

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 2021-06-03
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: Collection Bureau of the Hudson Valley, Inc. (FL)

Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX  and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.

I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (HI)

I disputed innacuracies/ out-of-date information on my credit report with Experian XXXX and they responded by updating the activity on my accounts to XXXX and lowering my credit score, not taking anything off. I disputed the same information with XXXX and they took everything off, rightfully. I have a judge 's decree that most of the debts I am disputing are not mine. The ones that are mine are from 2007, over 8 years old, yet Experian continues to report them.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CA)

Surprise foreign fees, unknown fees charged when reasonably inquired about it during the conversation with their worker on XX/XX/year> of how much the purchases were, the amounts told to me were the expected costs, not more money charged later, to cover the purchases at the time the bank worker assured it.

Or tell me there were other extra fees at the time of inquiries so, I may better choose whether to purchase or no. More difficult to decide when their extra fees were not made known when inquired with their worker, later showing up surprisingly that there were other fees involved. Does not matter what its terms or conditions were or what its card user agreements were ; with questions, when inquired, unsure of its fees term or condition, inquired about it, with their worker failing to let me know of any extra or other fees, when asked about the purchase amounts then, during the conversation then. Also, this was not the original credit card applied for to start off in the beginning. Bmo workers switched it to another credit card without first reaching me to see whether I would want another of their credit card from the one I selected. I then, may see whether I agree or want another credit card with different fees, charges unknown
to me. Why the requests with their coworker XXXX case XXXX on XX/XX/year> which was handed to XXXX that never responded with replies XX/XX/XXXX XX/XX/year> to her, at their Senior Customer Advocacy Liaison BMO Virtual Connect, Customer Advocacy Team, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on Trans Union LLC XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXXXXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX XXXX  Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated once on XXXX
Consumer complaint received 2022-02-14
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: BARCLAYS BANK DELAWARE (DC)

In early XX/XX/2021, I was charged twice for the same car rental. XXXX charged me {$260.00} on XX/XX/2021. XXXX also sent a receipt. 

XXXX charged me {$270.00} on XX/XX/2021 ( posted XX/XX/2021 ). I did not receive a receipt from XXXX for this. 

During the booking process, I believe that XXXX  referred me to XXXX, but I never saw the name XXXX until I received this duplicate charge. 

I e-mailed XXXX on XX/XX/2021 and they said that if we received extra charges, we must have opted for extra items. But we didn't pick up the car until XX/XX/XXXX, so we couldn't have opted for extra items by XX/XX/2021. I also have a receipt from XXXX  ( the actual car rental company ) showing no incidental charges before or after the car drop-off. 

I have searched my e-mail inbox and spam folder for any receipt from XXXX or a receipt in the amount of {$270.00}. 

I contacted Barclarys credit card to dispute the XXXX charge in XX/XX/2021. The XXXX ID is XXXX. 

In response to their inquiriy, I e-mailed copies of the receipts from XXXX and XXXX to Barclays. I have provided all of this information in writing, by e-mail. I have no more information to provide. Barclays sent a letter dated XX/XX/2021. They say they need more information.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (GA)

This is a continuation of complaint XXXX. I have done further research that I would have hoped Mutual of Omaha would have done. At the time of closing fund for the HO policy were collected for 12 months in the amount of {$950.00} clearly marked for XXXX XXXX XXXX XXXX. In XXXX XXXX of XXXX paid my insurance again in the amount of {$1000.00}. That tells me the attorney they had for the closing never followed thru paying my HO policy. I want to be refund the {$950.00} that was part of my closing cost. Since is the attorney the mortgage company sent to the closing they should be the ones to resolve this. 
Regards, XXXX XXXX
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX