davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
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. (GA)

OnXX/XX/XXXX, 2017, received by all XXXX credit reporting companies by XX/XX/XXXX, 2017, by land mail ; I wrote a very extensive dispute request to all XXXX  credit reporting agencies ( Trans Union, XXXX and XXXX ) and most of the disputes did not end with a correction in either of my credit reports. Many of the creditors responded in under 15 days according to the credit reporting agencies ( using the XXXX system ). After speaking with a representative from all XXXX credit reporting agencies, they all confirmed that the creditors used the XXXX system to expedite my dispute with creditors and none of them ( credit reporting agencies, Trans Union, XXXX or XXXX ) required the creditors to prove that I had accounts with them, by sending in copies of contracts, agreements or invoices. Instead, the credit reporting agencies used quick reference codes as short as 2 characters to ( respond in about 4 seconds ) say that data on my customer/consumer information is being reported correctly. I had a repossession that I settled, 2 collections accounts I paid off, a credit card that I settled, a bankruptcy application that was on their but not completed. None of these accounts were reporting correctly and in some cases there were different accounts numbers on my credit report that were not the actual account numbers I had under credit. Hence, my bankruptcy request was not approved, so I do n't have a bankruptcy, but the State of Georgia has it on my credit report as a negative account. They show I applied but was not granted and all XXXX bureaus are reporting this as a negative account, hurting my credit and chances at a better life.
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CFPB you got ta help me get this mess off my credit report. I am a 21 year, 2 time XXXX veteran who could not work for years due to my XXXX XXXX XXXX  diagnosed condition. This is what I get for serving my country?
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This clearly violates the CFPB requirement.
Consumer complaint received 2022-02-15
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. (CA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-02-01
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: EQUIFAX, INC. (AR)

I reached out to Equifax and XXXX XXXX by written letter on XX/XX/XXXX regarding a fraudulent XXXX account that is reporting only on my Equifax credit report. I have not received a response from neither XXXX nor Equifax regarding this fraudulent account. This inaccurate and unverifiable XXXX account needs to be removed from my credit report immediately. This fraudulent account has affected my credit score tremendously. I would like for this account to be removed from my Equifax credit report immediately as I am entitled to a correct credit report. Also I noticed on my Equifax credit report that payments were made on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please provide me with the information on who made these payments, voided checks and bank information so that I can file a police report as this is not my account. Your attention to this matter is greatly appreciated. 

Thank you
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I have a letter from Equifax that says they froze my account for 90 days. When I tried to call to find out if it expired, I can not get a definitive answer on a credit freeze on my account from Equifax. I've spent hours on the phone and online. One time it seems as there is a credit freeze on my account as I requested 3 months ago, another time it seems there is no freeze and I have to pay {$10.00} to start one. The phone calls to them are useless. Going online does not give me a clear answer. I want to know if I have a freeze so I can protect myself from the data breech from Equifax.
Consumer complaint received 2023-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MA)

I was charged a cash advance fee CASH ADVANCE FEE Account ... XXXX {$10.00} ON STATEMENT AS CASH ADVANCE FEE TRANSACTION DATE Sunday, XX/XX/2023 POST DATE Sunday, XX/XX/2023 PURCHASED BY XXXX XXXX But I received no cash advance.
Consumer complaint received 2022-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I filed a request to have PMI insurance removed per their policy because it was within 2 years of my mortgage. I mailed my application with check for {$150.00} around XX/XX/22. It was cashed by PHH Mortgage on XX/XX/22. I did many significant improvements on the home. The appraiser came out on XX/XX/22. 

Since then, PHH states they can't send me to appraisal and that they can't remove my PMI yet as they " need more time to process the request. '' It's been two months with no resolution. Every week they state that they don't have any answers. They also keep charging me PMI even though the escalation manager says it should be taken off. I have complied with all of their requests and I can't get any resolution.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

In  XXXX  a Debt collector was take the money from my paycheck, to pay off a sams credit account that went in with to collections in  XXXX . is now  XXXX  I am trying to refi my home and it tuns out that I have a linn against me from sa m 's  with a bal. of  XXXX  +, with out my knowledge sam 's club recall the account when there was still a balance. it has been there f or four yea r and no body ever contacted me about it. I been calling them since  XXXX   XXXX  to send me and the title company the pay off bill. but for some reason they been ignoring my request it is now almost a month and all I get from them is that they will send it again but it will take from  7 to 10  days. this is costing me. since interest rates went up I wast able to close escrow and now I have to pay a higher rate because of them.
Consumer complaint received 2022-01-06
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. (NC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-08-13
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 written the CRA numerous times to remove a late payment that is reporting on my account with XXXX XXXX. I previously demanded that CRA delete the late payment on my account. But CRA have failed to do so, the CRA is now liable for the following FCRA violations as follow : 15 USC 1681 : 1. Failure to provide fair and equitable information about the consumer 15 USC 1681a : 1. Failure to provide copy of credit file 2. Included specific factual information 3. Included approval of a specific extension of credit 4. Fail to do a proper investigation 15 USC 1681b : 1. Failure to follow my written instructions as the consumer in the previous letter I have never given any CRA written instruction to report anything on me let alone a late payment. And when I gave them written instruction demanding what I want, they ignored my instructions and continue to report inaccurate information, that is unfair and unequitable to me as the consumer.
Consumer complaint received 2017-06-16
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. (CA)

A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.
Consumer complaint received 2021-01-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SB Holdings, Inc. (RI)

I received a loan from XXXX XXXX for XXXX XXXX in the amount of {$2400.00}. First payment was due on XX/XX/XXXX in the amount of XXXX. I received a payment invoice an made the first payment on XX/XX/XXXX. However, I have not received any invoices or payment coupons for the rest of the payments. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked about the payment coupons. I was told the coupon book was mailed to me on XX/XX/XXXX but the post office is 2 months behind in delivering mail. I made the XX/XX/XXXX payment by mailing directly to XXXX without a coupon. I asked to have a new coupon book mailed to me by overnight mail but was told that could not be done. I asked to speak to a manager but was put on hold and no one answered the call.
Consumer complaint received 2017-06-16
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. (CA)

A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.
Consumer complaint received 2018-03-27
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. (MD)

I been contacting Equifax for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, truist online was down. It showed my balance in the positive, and the next day my account was in the negative, hit with an overdraft fee. 

Truist acknowledged their site was out on the XXXX, and getting in contact with someone takes over an hour and is impossible. 

Now, I'm trying to get in contact with truist because I over paid my Truist credit card by over XXXX $ because you can not see pending payments on their website for the credit card ( you can see everything else, including transactions and posted payments, you manage your card un the same portal/lock it report it stolen etc. You should be able to pending payments. I can not get in COntact with them to cancel it. 

Anyways, this is my second emergency, and I haven't been able to contact truist in over three weeks because it's always a 50 minute wait time.
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (DE)

On or about  XXXX   XXXX ,  2017 , I visited the Experian website to view my credit report. I thought I was entitled t o one free c redit report a year. On  XXXX   XXXX ,    2017, I noticed that Experian charged my Visa card for {$21.00}. I contacted Experian and  was told I entered into a contract for credit monitoring services, and I would be charged {$21.00} each month. I cancelled the contract immediately. The representative said I would receive a refund for the {$21.00}. I waited until  XXXX   XXXX ,    2017,  and contacted Experian a second time to ask about my refund. This time I was told that I would not receive a refund. Furthermore, there was no record that the representative promised a refund in our  XXXX   XXXX ,    2017  phone call. There is no way I entered into a contract with Experian on  XXXX   XXXX ,  2017 . I could not cancel a contract within 7 days if I was not aware that I had a contract. The Experian website is fraudulently charging for a service it does not provide. I received nothing from Experian notifying me of a contract. I encourage everyone to avoid the Experian website.
Consumer complaint received 2017-07-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (VT)

Navient became my lender after XXXX XXXX they refused to help me and hit my credit - I made a huge payment this month because it was going on my credit report as late payment and it caused my bank to be overdrawn and charged 3 fees for each loan payment
Consumer complaint received 2024-02-18
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. (NC)

In accordance with the Fair Credit Reporting act 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 It also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2019-10-29
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. (PA)

I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but Equifax was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPS GROUP (TX)

XXXX XXXX HAS CONTACTED ME AND PEOPLE RELATED TO ME MULTIPLE TIMES A DAY. GIVEN OUT INFORMATION THAT SHOULD NOT BE GIVEN OUT. EVERYTIME I CONTACT THEM, I CAN NOT TALK TO THE SAME PERSON. THEY ARE HARRASSING ME AND PEOPLE RELATED TO ME
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MA)

RE :   XXXX   XXXX   XXXX   (  deceased )  XXXX   XXXX   XXXX   XXXX   XXXX , MA  XXXX  On or around  XXXX ,   XXXX  , I,  XXXX   XXXX   ( d aughter and power of attorney ) purchased a bluebird card from  XXXX  and deposited {$800.00} appeox. onto it for  XXXX . On  XXXX   XXXX ,  XXXX , My mother passed away. I called and informed bluebird, the wanted a copy of my power of attorney, I sent it out. They closed out the account, but never sent the money back, Are they allowed to keep it? I have called but they keep hanging up.
Consumer complaint received 2017-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraf/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft/return fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00} XXXX XXXX - overdraft fee - {$37.00}
Consumer complaint received 2017-06-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: North American Credit Services (FL)

I could n't afford the {$200.00} copay when I initially visited the FL hospital some time ago and was told I could worry about it at a later time. On Friday  XXXX   XXXX  around  XXXX   XXXX   ( mont hs later after my hospital  visit )  my sister sends me a series of panicked text messages asking me if I am ok be she had received a serious sounding call from an official type place that sounded government related and was all confused. I had no idea what she was talking about but she provided me with the phone number of  XXXX  ext  XXXX  and said they had asked for me. I called it and that 's when I realized it was FL Hospital collections looking for the stupid {$200.00}. I was totally embarassed. Everyone goes through a rough patch, but this company did n't have the right to put mine out on blast to my sister, while she was at work. I made up some bogus lie to my sister so she would n't know. I then called the number and extension provided and told them that they had no right legally to call my emergency contact from my medical file who is NOT financially responsible for me to attempt to collect the pathetic {$200.00} copay, especially my sister who was at work. I was absolutely 1000 % embarrassed and mortified. I then provided the woman my lawyer information as I am filing a chapter  XXXX  bankruptcy and requested not to be contacted any further. The woman who took my information said I would not be contacted any further. Since that day,  XXXX   XXXX , I have still been call ed 3 more  times regarding this debt by a different number :   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   XXXX   XXXX  2017 at  XXXX   XXXX   XXXX   and today   XXXX    XXXX , 2017  at  XXXX   XXXX
Consumer complaint received 2018-03-27
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. (GA)

Currently being reported on my Experian credit report is a trade-line named ( XXXX XXXX XXXX XXXX ). This trade-line is an auto finance loan that was opened in XX/XX/XXXX and was subsequently repossessed in XX/XX/XXXX. The loan was originally underwritten by XXXX XXXX but was bought in XX/XX/XXXX by XXXX XXXX XXXX XXXX. The loan first became delinquent in XX/XX/XXXX.

Currently, the loan is being reported incorrectly. According to the FCRA, the trade-line can remain on your report 7.5 years from the first incident of delinquency regardless of debt owner or sale. The loan became first delinquent in XX/XX/XXXX however the trade-line is still being reported to this day ; almost 4 years past the time when it should have been removed.

Experian has been provided full documentation supporting the above information ( 6 ) six times now, however the record has not been updated or deleted. Furthermore, XXXX  has agreed to remove the trade-line and provided documentation, however Experian still has not removed the trade-line. This same information was provided to the other ( 2 ) two credit bureaus ( XXXX and XXXX  ), who have both promptly removed the trade-line.
Consumer complaint received 2018-01-12
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. (MO)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have opted out of receiving credit card offers with all of the credit agencies, yet I continue to receive offers in the mail from  Capital One . I do NOT and have NEVER done business with them.     I have called them and asked them to stop yet I still receive offers almost weekly. I want it to STOP.