davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NH)

I was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

I used funds in my BB & T bank account to make a {$6100.00} payment to the XXXX XXXX XXXX XXXX for a cruise. On XX/XX/2020, the company sent to me an email, notifying me that the cruise was cancelled and offered to me a 125 % credit. On that same date I declined the credit offer and requested a full refund. After several subsequent attempts to obtain my refund, I filed a dispute on the payment with BB & T and requested that they reverse the payment back to my account. 

The bank responded to my dispute by stating that, since I had received some value for the payment, the bank would not reverse the payment. I wrote to the bank on XX/XX/2020, stating that I did not receive anything from the company except an offer for a 125 % credit, which I immediately refused and immediately requested a full refund. Since I have not received the refund, I asked the bank to explain what other benefit I derived from the payment. The bank has not responded further.
Consumer complaint received 2024-02-22
Product: Credit reporting 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. (MA)

On XX/XX/2024 I put in a dispute to Transunion to delete an old public record. They investigated and subsequently deleted the old public record. Everything seemed fine until on XX/XX/2024, I was alerted to a credit score change. My credit score had dropped by XXXX points on Transunion. The XXXX reasons for the drop stated, removal of public record and account balance decrease on XXXX of my credit cards. I believe that neither of their XXXX reasons would cause a decrease in my credit score, in-fact it would increase my score. I called Transunion on XX/XX/2024 and was rerouted to their text messaging center because they were closed for call. I had text conversation with XXXX who tells me that i have to pay for a copy of my report to see negative factors ( which is not true ) it is all listed on XXXX XXXX. She ends the conversation giving me a phone number claiming to have a dedicated credit scores handling team available to help me .... lie. The number she gave was for me to order/pay for a copy of my credit report. 
Today, XX/XX/2024 i called Transunion again and talked to a live person on phone, didn't catch his name. He gave me every reason ( general lists of reasons ) in the book for why my credit score decreased XXXX points including a lie about me having a recorded late payment reported on XXXX of my accounts. I immediately got off the phone with him and ordered my credit score from Transunion confirming what i already knew. There were no late payments on any of my accounts. I believe that Transunion is just making up excuses for lowing my score so i am requesting help from you in this matter. There is no disputing and any other recourse i can take in this matter as you can't dispute a credit score with them. They act as if a mistake can't be made when recalculating scores. This whole situation seems fraudulent to me. I have most everything i have stated here documented except the phone call. 

Thank you so much for any help you can give me, Truly yours, XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I used my Federal Relief check to make XXXX XXXX whole while XXXX  XXXX  suffered losses commencing XXXX Covit 19 as we are in extended lock down in XXXX, New York. Hence, we are square and yet my credit score tanked 50 points!
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX Mortgage has refused to updated or delete my delinquent status of my Home Mortgage Loan, for approximately 18 months. I paid off my home 2 months ago, the total balance, and I have requested updates from XXXX, but to my surprise I have yet to see any progress in this. It is negatively affecting my credit score, and I am in the process of submitting a loan application with the XXXX CA. XXXX XXXX XXXX XXXX XXXX XXXX which will provide me the capital needed to expand my business. I plan on opening my second jewelry store in XXXX of this year, and I desparately need to clean my credit by XXXX XXXX. Any help on this would be greatly appreciated.
Consumer complaint received 2022-08-14
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. (IA)

Went to go buy a truck told salesman i was already pre approved through XXXX  XXXX XXXX didnot know he ran my credit through 4 different credit sites until weeks later when I looked at my credit report
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (KS)

My husband and I had a XXXX XXXX account from years ago that was overdue. It was sent to a debt collection agency named XXXX and was paid. XXXX XXXX, XXXX sent me a letter letter saying that they had aquired the debt but I sent the documents supporting the payment. They closed the case. Now they have sent another document trying to have my husband to pay this debt that has already been paid and has been proven to be paid. I can not get through to an agent and am sent to a voicemail which I have left in order to resolve this matter.
Consumer complaint received 2022-08-14
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: JPMORGAN CHASE & CO. (IL)

I bought a ticket from Chase 's ultimate rewards program ( trip id : XXXX ). Chase sent me an email saying the flight has changed and the newest flight did not allow enough time for a change to the second leg ( see attached ). I purchased a new ticket for the same trip and asked Chase to cancel the ticket. Chase and XXXX neither helped me to cancel the ticket. Chase customer service told me to reach out to the airline and airline told me to reach out to chase ultimate rewards team. 

I did not get any refunds and I spent more than 5 hours trying to resolve this issue 3 days prior to my flight. 
Please see attached change flight email ( according to XXXX and Chase, I am eligible for full refund ). Neither of them helped me and I am out ~ {$1500.00} and had to purchase another ticket ( XXXX Please see attached boarding pass I ended up using ) I need CFPB 's help to recoup refund from Chase ( {$1400.00} )
Consumer complaint received 2020-07-04
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. (TX)

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX   Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late XXXX Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XX/XX/XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XX/XX/XXXX Original Creditor XX/XX/XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXStatus Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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. 

Account Name : XXXX XXXX Account Number:XXXXXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXXXXXX XXXX  Account NumberXXXX Account Name XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2020-07-05
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: Experian Information Solutions Inc. (CA)

Experian continues to give invalid or incorrect data on my credit report. 
Example, last month I had a credit score and this month they removed my credit score. 
I have had several collection accounts deleted from my credit profile instead of my credit score increases to acknowledge the paid account Experian removes the account thereby not acknowledging the accounts as being paid. 
I had a {$18000.00} account that was paid and instead of them showing the account as being paid they closed the account. 

I would like my credit score adjusted to show the paid accounts and the 3 credit card accounts that are opened with a low balance. 

I would like to remind Experian of the following lawsuit listed below. I have been in contact with the attorney that represented the plaintiff listed below and if this matter is not resolved in the next 30 days I will not hesitate to pursue legal action. 

XXXX, Ore. -- A federal jury in Oregon has awarded {$18.00} XXXX to a woman who spent two years unsuccessfully trying to get XXXX  XXXX XXXX to fix major mistakes on her credit report.
Consumer complaint received 2024-04-09
Product: Credit reporting 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. (NJ)

Hello, Transunion has provided my credit report to the below companies without my written consent as required. i submitted a dispute for the below inquiries since XX/XX/XXXX and XX/XX/XXXX and and not received the requested information validating the consent of these inquires. 

Name Requested On 1. 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 Transunion advised me in a secured email that my report can be obtained without my consent, in which is inaccurate according to the FCRA and Social Security Administration. Transunion is not protecting consumers from fraud and allowing matters to continue. 

I have yet to receive credit application bearing my signature from these inquiries in which is required. Transunion refuses to remove and continues reporting in acurate information and is telling me that I need a letter of deletion from these companies in which is accurate according to FCRA as a credit reporting agency, transunion is obligated to assure the information they are reporting is 100 % accurate, in which they are not abiding by the laws set forth. Transunion must conduct reasonable investigations to asssure they are repeorting accurately and all neeeded information is obtained and from accruate soucing. 

Transunion has failed to do so and has not protected my information underthe privacy act. I am requesting these inquiries be removed.
Consumer complaint received 2022-08-14
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: Experian Information Solutions Inc. (GA)

I Have been looking and observing over my credit a noticed multiple fraudulent inquiries on my report, The fraudulent inquiries are : 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 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this account.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see XXXX XXXX XXXX reported to the Experian that i applied for credit in which i never applied for. They have violated my rights to have fair and accurate information on my credit. 

My personal information on my credit report is inaccurate as well. I have requested to have my addressees, hone numbers, and names correct on my report this is a violation on my consumer protect rights.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (UT)

Credence Rm - XXXX - is reporting on my credit after my discharged bankruptcy, for a debt that was included in my bankruptcy. They are in violation of the bankruptcy stay. 
They put the collection on credit XX/XX/XXXX and the debt was included in my XXXX chapter XXXX.
Consumer complaint received 2022-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

I was affected by the XXXX that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. https : XXXX Please remove any late payments from my account due to natural disaster.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MI)

After refinancing my mortgage with XXXX XXXX, my mortgage subsequently was sold off to Arvest Central Mortgage Company. This lender is ripping off thousands of home owners with insane fee 's. As a responsible home owner I make over payments and additional monthly payments regularly. If you pay your mortgage on their website you have to pay a fee. If you pay via your banks bill pay its free but if you make an overpayment or extra payment you need to call and have it applied correctly. When you use their customer service you're charged a fee. If you send paper checks they have a history of holding the checks until they can charge late fees. This company is a nightmare and at no point in time would I have elected to do business with them. My mortgage being sold to them is at no fault of my own and now costs me money every month in fee 's to perform the same payment functions any other lender offers for free, like making regular payments via direct withdraw from checking.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (FL)

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against PNC Bank concerning an unresolved request to close my bank account, which has remained unaddressed despite multiple attempts to resolve the matter directly with the bank. 

I was a customer of Simple.com, which transitioned to XXXX and subsequently was acquired by PNC Bank. My original Simple.com account had no fees associated with it. Since the acquisition, I have encountered issues with the bank, including unsuccessful attempts to set up a login on their website and an unwillingness to pay a monthly service fee that was introduced following the transition. 

I have requested the closure of my account and the issuance of a check for the remaining balance of {$240.00} on multiple occasions, starting in XX/XX/2022, with no response or acknowledgment from PNC Bank. The lack of response from PNC Bank has left me with no alternative but to escalate the issue to regulatory authorities. 

Given the lack of response and action on the part of PNC Bank, I seek your intervention to assist in resolving this issue promptly, ensuring that my account is closed, and I am refunded accordingly. 

I appreciate your attention to this matter and look forward to your support in resolving this issue. At this point its not about the money. Its about not letting a bank get away with an unjust practice. 

Thank you for your time and assistance.
Consumer complaint received 2022-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . 
Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Trans union is reporting accounts delinquent on my credit report when there not mine ..I was a authorized user on my moms credit cards and got taken off now there saying I have delinquent accounts when there actually my mothers Ive called the company several times but they never answer but i am not on her cards any more and this shouldnt be on my report