davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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)

This is XXXX 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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$2900.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$2300.00}
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

I'm trying to cancel an HSBC personal credit card account. The last couple months, the website payment function is not working, so I try the app, but that doesn't accept payments, so I tried calling, several times, and each time I go through their long menus and finally choose the payment option, it disconnects. I've even tried the other options fraud and stolen/lost card options, and NONE OF THOSE WORK. I have a {$30.00} balance, which is all " late fees '', and I just want to close the account. The " late fee '' is not fair, but I'm at the point I just want to pay it anyway, and close the card/account. How can this scam be allowed? Not having an option at all to pay my bill, and then hitting me with late fees?! I'm XXXX, and can not even get a rep from HSBC on the phone.
Consumer complaint received 2021-12-08
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. (DC)

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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my XXXX XXXX : XXXX XXXX $ XXXX Opened : XX/XX/201XXXX XXXX
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MI)

XX/XX/2021 XX/XX/2021 On these dates {$36.00} overdraft fee on unauthorized items. I asked to have it disputed. I was told by the bank ( regions bank ) they would close my debit card and issue a new one They wouldn't dispute or investigate this matter
Consumer complaint received 2022-04-20
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. (RI)

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. 

XXXX  # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXXXXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
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 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 2022-04-20
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 

Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # Reference # : XXXX / Public Records Bankruptcy Account # Reference # : XXXX Public Records Bankruptcy 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
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

This has to do with a timeshare we notified XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 to stop doing auto pay, XXXX XXXX we removed our profile information along with our Master Card ( XXXX  ) this is their Credit Card. We notified the credit card company to not accept any charges from XXXX and to put a security lock on the account. we had a lock on the account and the charges were still going through. 
Chase XXXX XXXX was notified the day the charge was pending in XXXX for {$680.00} we were told to call back once the charge went posted which we did on XX/XX/XXXX we had to call the dispute into a phone # ( XXXX ) XXXX.On XX/XX/XXXX we were again charged for {$410.00} again on XX/XX/XXXX we once again were charged another {$410.00}. 
Chase notified XXXX XXXX to stop charging our credit card on XXXX XXXX. 
In XXXX we sent registered mail the paperwork they sent. 
On XX/XX/2021 we mailed them paperwork regarding the dispute for XXXX charges. We called to follow up on the paperwork they claimed they never received it we didn't send this registered mail. They suggested we wend the file from a chase bank by fax which we did. they removed the charges. they have since put them back on.we called Chase dispute again and were told you signed a contract they have the right to bill your Credit Card. Please send the file again we are being billed by XXXX XXXX for the charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021.
Consumer complaint received 2023-05-30
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. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc. (CA)

I recently bought a home and needed to pay off some of my unsecured debt. I called Avant prior to paying off loan on XX/XX/XXXX where they gave me a quote and a pay off date of XX/XX/XXXX. On XX/XX/XXXX I mailed 2 checks one in the amount of {$4000.00} and {$120.00} to pay off my entire loan balance. They were mailed together in the same envelope to Avant via XXXX express where both check numbers were documented when sent. The checks were received XXXX. Upon receipt, only 1 check in the amount of {$120.00} was posted. I dont see how they can only receive one check when they were sent together in the same envelope? I have called numerous times to inquire of the status of my pay off of {$4000.00}. No one seems to know and I can only speak to foreign agents. They have no direct line to their receiving department in XXXX where the checks were sent. I was provided with an email for their receiving department and still have no word. If my amount is not paid in full by XXXX ( which has passed now ) I will face extra fees, penalties and possibly a negative mark on my credit score. I feel this is extremely bad business on their end as I paid my dues timely. If dont receive an update within the week I plan to put a stop payment on the check.
Consumer complaint received 2021-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported a fraudulent transaction in the amount of {$650.00} on my debit card dated XX/XX/2021 associated with my Bank of America checking account ending with XXXX. However, Bank of America refused to credit me because they claim it does not fall into their fraudulent transaction guideline. I, therefore requested Bank fo America to provide to me the phone number or any contact information of this merchant so I could contact the merchant directly. Since Bank of America refused to do its job I want to find out exactly what has happened as I have never purchased anything or received anything from this merchant. As it shows on my bank statement, the merchant is " XXXX XXXX XXXX in XXXX Colorado ''. However, Bank of American could not provide any phone number, website or contact information for this supposedly one of the largest sports goods business. When I asked for it the Bank of America representative said she said she did not have it but can google it. So obviously Bank of America did not do any investigation on this transaction. The merchant is highly likely to be a fake business using the name of XXXX XXXX. I am frustrated and infuriated by Bank of America 's illegal reaction to my fraudulent claim. So far Bank of America could provide no proof of this being a legitimate transaction, no merchant information other than a name, no website, no address, no phone number, nor order number, merchandise ordered.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc. (MS)

I recently had my name legally changed. I submitted the required documents to Cash App on XX/XX/2023 so that the name on my account and Cash App debit card can be updated. I also requested a debit card with my new legal name on it. It's been two weeks and I have yet to receive a card with my new name, nor have I received any updates about the status of the name change. When I've reached out to Cash App support regarding this issue, I receive the same canned response every time ( from customer service reps and their supervisors ) : " We've escalated your case and our team is working hard to resolve your issue. For reference, your previous case number is XXXX. '' They've confirmed that they've received the documents that are required to process the change. I've updated my name with all of my banking/financial institutions over the past three weeks with no issues. I'm confused as to why Cash App has not been able to successfully process the change and why no one is able to give me any information as to why this hasn't been completed after 14 days.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX  XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}
Consumer complaint received 2021-12-08
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

My wallet was stolen by someone I used to live with. He fraudulently used my XXXX  Driver 's License and Wells Fargo Credit Card at XXXX XXXX XXXX to cash advance {$6200.00}. It was used for four separate transactions at the casino. XX/XX/21 for {$310.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$2500.00}. 

I filed a police report and I have a detective on the case. I have messages from the person who took my wallet as well as other evidence to support my case. After getting denied multiple times from Wells Fargo Credit Card Claims, I have gotten in touch with the casino myself and have found out that Wells Fargo Credit Card Claims lied about reaching out to the casino to get video surveillance footage. 

Wells Fargo has been denying my case for the last XXXX  months with one blanket response, " the casino verified my identity because my driver 's license was presented. '' They have ignored all evidence I have sent them, they have lied about reaching out to the casino themselves, and they haven't reached out to the detective regarding the case. 
I talked to the head of security at XXXX. He said they would never tell a bank to reject a case because of an identity verification. Protocol is to have the person whos card and identity was stolen to file a police report and have the police reach out to the casino. Which I have now done. 

The charges have increased to over {$7000.00} now because of cash advance fees. My credit score has been ruined. This is all because of unfair mistreatment from Wells Fargo Credit Card Claims. 

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 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

My house sustained flood damage as a result of XXXX XXXX. I received an insurance check in the amount of XXXX. The check issued was a XXXX party check made out to myself and my insurance company. I called my mortgage company 's Loss Draft department and was told to send them the check as well as a copy of the damage report. I did so and XXXX 'ed both on XX/XX/2021. They state that they mailed out the endorsed check to me on XX/XX/2021 and I never received it. I contacted them asking for a tracking number and this multi-million dollar company told me they just slapped a stamp on the sucker and hoped for the best. No tracking, no confirmation it was even sent, nothing. I asked how they could do that and the rude woman on the phone told me they'd do that even if it was a XXXX check and said if i wanted better I should have pre-paid for a XXXX label. This option was NEVER given to me. If it was, I would have taken it in a heartbeat. Instead, I am being forced to go back to the insurance company, request a new check, draft a letter stating I never got the the check, mail it all to them again and hope that history doesn't repeat itself. I asked to speak to a supervisor but was instead transfered to a voicemail box. I never received a response. I emailed twice, no response. I love how a mortgage company could lose your payment check with no repercussions, but if they lost mine I would be hit with late fees and interest from day one.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 

I entered a consumer credit transaction with the following companies : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, CAPITOL ONE BANK, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX, XXXX XXXX, XXXX and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are claiming they originated the credit I extended to them in which constitutes fraud. Pursuant to Federal Law, they have committed fraud and several violations of the FDCPA and TILA. 

I pulled my credit report and disputed items on my report to XXXX, XXXX AND XXXX. They have not provided me with any original documents, and they have disregarded the law in saying they have verified the debt. Fair Reporting Act Section 609 ( a ) ( 1 ) ( A ) states you are required by federal law to verify through physical verification of the original signed consumer contract. I asked for verifiable proof ( an original consumer contract with my signature on it on XXXX  occasions : XX/XX/2021 & XX/XX/2021. The failure to positively these accounts has hurt my ability to obtain credit. They have taken advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt. They have not validated anything they have ruined my character and general reputation by reporting erroneous information on the consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. They act as if they are unaware of what I am requesting or that the law does not apply to them. 

In addition, per the Fair Credit Reporting Act they didnt notify me of the investigation results within 30 days. 
I want them to zero out the account with the company or pay {$5000.00} in damages.
Consumer complaint received 2022-06-27
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. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I tried to get my free annual credit report, but the website did not allow me to. I then called, and still have not received it. I demand my consumer credit report AND FILE be sent to me.