davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (IN)

XXXX XXXX XXXX sent a payment by mistake ( on my behalf ) to Barclays XXXX XXXX in the amount of {$6700.00}, I do not currently have an account with Barclays Bank. Barclays XXXX cashed the check through their bankXXXX  XXXX XXXX XX/XX/21 and did not return the check to XXXX XXXX XXXX XXXX The cashed check has not been applied to any accounts in my name or any other name. 
My bank has repeatedly called Barclays XXXX XXXX and requested return of the funds and have been repeatedly been told they do not have a record of the payment. I have been making attempts to resolve this matter without success. 
Barclays Bank has {$6700.00} unreported, and I am currently responsible for paying back this debt for which I did not incur.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-08-22
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: Synovus Bank (LA)

In accordance with the Fair Credit Reporting Act the following companies has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 All credit inquiries have been disputed multiple times XXXX XXXX XXXX XXXX XXXX  dollars I have disputed this account for the past years and they have yet to send me proof of the balanced owed or provided with written proof. 
8. First Progress XXXX XXXX XXXX. I have disputed this account many times and they have yet to send me proof of this account. I have no knowledge of this account. 
10. Florida Child Support collections : Child Support has been Illegally reporting a collections balance on my credit report for months even though I am no longer in arrears. I missed out on buying a house due to I couldn't find a mortgage company who give me a loan, until my child arrears are off my credit.

15 U.S.C 1682 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2022-04-01
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. (FL)

I, XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

XXXX XXXX surrendered to XXXX bank 1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client thatauthorizesyoutocollectonthisalleged debt. 
XXXX. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I have a XXXX XXXX XXXX co-brand credit card issued by Comenity Bank. Recently, my card had been stolen ( and thankfully later turned in by a Good Samaritan ), but I had called to have my credit card replaced by then. 

Although my account was already setup for autopay, it appears that my new card did not maintain the autopay setting, and according to Comenity I missed a payment. Once I saw my new statement, including a late fee and interest, I immediately paid the bill in full. 

However, my attempts to contact Comenity over the last 2 weeks to dispute the late fee and interest charge have been unsuccessful. For several days, their entire phone service was down ( i.e., even their IVR system was not working ), an issue they have acknowledged themselves on their website. 

Now, while their IVR / automated response service seems to be working, it is still not possible to connect with a live agent to dispute the fees and settle this issue. I know I am not alone on this issue, and have seen many other Comenity customers on XXXX complain about the lack of customer service. I can understand an outage for a day or two, but for this to go on for weeks is simply unreasonable, especially when it affects people 's finances. 

I have attached 4 items : ( 1 ) My most recent credit card statement with the late fee and interest charges highlighted ( 2 ) The payment slip for my XXXX co-brand credit card ( 3 ) A screenshot of other consumer complaints against Comenity on XXXX, dating from all the way back to XX/XX/XXXX, more than 2 weeks ago, and ( 4 ) A screenshot of the XXXX credit card website, which still shows the banner from Comenity acknowledging they still are having problems handling customer calls- this screenshot is from XX/XX/XXXX  ( today ).
Consumer complaint received 2022-02-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (HI)

We tried to make a transfer from Credit Karma savings account to Credit Karma checking account but received an error message saying we had already hit the max 6 withdrawals per calendar month. We decided since we needed the money we would close the savings account and transfer the balance to the checking however in order to close the savings account you have to link an external bank account ( which we got error messages when trying to do ). Because of this we reached out to Credit Karma on XX/XX/XXXX to assist with closing the account for us and transferring the balance to the checking. They were quick to respond and had us confirm we would like to close account. After we confirmed there was no further response from Credit Karma. After 2 days ( XX/XX/XXXX ) we called Credit Karma for follow up and were told that they would escalate and we should receive an email. Yesterday, XX/XX/XXXX our savings account was closed and money withdrawn but NOT deposited to our checking account. We emailed AGAIN asking where our money is and got no response. This morning XX/XX/XXXX when trying to call the same number we called on XX/XX/XXXX we get a busy signal or just a failed call in general. We have no idea where our money is and the company has refused to respond to any of our requests for information.
Consumer complaint received 2022-07-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (MD)

Hi, Whom I can concern, My name is XXXX XXXX, I have TD bank accounts on both USA and XXXX side, So I have made a call to bank for service money transfer {$2500.00} from usa to XXXX account on XX/XX/XXXX, the amount was took on same day, but I did not get any money on XXXX account until now! During the passed more then 1 month days, I have made many calls to the bank, even asked to make money recall back to USA account, but so far still get any back yet! 
It is unbelievable, I don't know what's wrong happened, and why it takes so long to process even the recall, Aa a consumer with TDbank for more then 22 years, I am very hopeless they did with their Cross-Border department! 
At here I hope CFPB can help me and protect Consumer 's rights! 

Pls see attached document from TD BANK XXXX XXXX
Consumer complaint received 2022-07-15
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. (MI)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 instruction.
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (MI)

The Credit Bureaus stated my account was properly investigated, but how is that possible if the high balance is inaccurate, date last verified is inaccurate, the date last active is inaccurate, date last reported is inaccurate, date opened is inaccurate, creditor type, creditor remarks is inaccurate, Last payment is inaccurate, and account type is inaccurate. This grounds for removal in addition to violating my rights under : 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 instruction.
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMERICAN EXPRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-04-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc. (CA)

Date of service XX/XX/2020 from a XXXX XXXX XXXX provider. Multiple dates of service throughout the year for the same XXXX, however this was the only date billed to me of about {$400.00}. For the next year I made numerous attempts to contact both XXXX XXXX and XXXX XXXX XXXX as to why this specific XXXX was not covered. As it turned out XXXX XXXX submitted the claim for that date incorrectly then submitted a second claim improperly formatted and without context. The claim was flagged by XXXX as a duplicate. XXXX requested more information but was not provided anything by XXXX XXXX. Throughout this ongoing issue I made numerous calls to both parties to try to resolve this issue. Aware of the problem, XXXXXXXX XXXX continued to balance bill me the {$400.00} and sent it to collections despite the pending insurance issue. To this day they acknowledge their mistake and error yet refuse to correct the issue and bring the account back from collections. XXXX XXXX XXXX and XXXX XXXX both have substantial documentation of these statements.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Trans union, XXXX, and XXXX are all reporting late payments from XXXX XXXX XXXX  on dates XX/XX/20, XXXX XXXX  on dates XXXX, and XXXX XXXX bank on dates XXXX. This is a clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, The law clearly states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

Futhermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : the term " consumer report '' does not Include report containing information solely as to transactions or experiences between the consumer and the person making the report. These companies are clearly violating my rights as a consumer.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Have contacted XXXX 5 times in since XX/XX/XXXX regarding inaccurate balances on several of my accounts. I also reached out to the account lenders who stated they provided the information to XXXX. They keep sending me around in circles until I also submitted a dispute. Still no reason for inaccurate balances on my report. Also, one account per the Fair Credit Reporting Act should have been removed in XX/XX/XXXX but they are misreporting dates of last payment without fixing and reporting it still on my current credit report.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I have automatic payments set up with my Capital One Credit Card. I was under the assumption that it worked effortlessly as I have never had a problem in my almost 3 years of auto payments. In XXXX I was docked with a late payment even though I never received a bill or notice of being late. XXXX and XXXX both came out regularly as well. I believe the system to have failed and without notifying me of this failures it reflected on my Credit Report causing my score to drop because of this new found late payment. I once again had no knowledge of this late payment as I had never received any kind of notification or bill showing a late payment.
Consumer complaint received 2022-07-15
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. (TX)

I have contacted the bureaus numerous times informing them that account for XXXX, Acct # XXXX, they are reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00} with Transunion showing as open and XXXX showing as closed and XXXX  not showing anything at all. Reporting this inaccurate information is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after numerous months of requesting that they do validate, verify and report as 100 % true and accurate, they are still continuing to report inaccurate information along with numerous other violations as well as to which it is severely hurting my credit.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Have been in the process of obtaining mortgage since XXXX of XXXX. Giving Citizens Bank all required information whenever they need. 
Fast forward and it is XXXX of XXXX. Finally we start to move forward again. Citizens asks for updated info from us because everything they have expired. 
XX/XX/XXXX we are told we are in the final steps and ready to close. 
We hear nothing from the bank. 
XX/XX/XXXX we get an email saying the underwriter is reviewing. 
XX/XX/XXXX we get an email saying everything is ready and we will be closing. 
Same day XX/XX/XXXX, we get an email saying we are not ready to close anymore. 
XX/XX/XXXX we are told again that we will be closing. 
XX/XX/XXXX we are told that we need to provide more information again out of nowhere. 
XX/XX/XXXX we are told that we are still not ready to close. 
That is all the updates I have.
Consumer complaint received 2022-01-13
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Account was closed and opened again on my credit report 5 months later without on consnet. Account was also closed XX/XX/2021 and removed from my report, The account should not have been added back on my report without my written consent. 

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 Section 2 : It also states a consumer reporting agency can not furnish a 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