davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

Company confirmed, due to their error, they would not be charging me a late fee. Received notice yesterday that late fee is due today but there is no one at Comenity that I can speak with since they are down for maintenance. Their system is down so no one to dispute or pay for this late fee which I am nor supposed to get to begin with. The company is closed and they are charging me late fees with no way to address it. PLEASE HELP?!
Consumer complaint received 2022-04-24
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. (CA)

Hello, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-24
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)

In accordance with the fair credit reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years.

1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2022-04-23
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentiality unde

r USC 1681. According to the 15 U.S.C. 1681 section 602 A state s I have the right to privacy.
These addresses do not belong on my credit report. 

XXXX XXXX XXXX XXXX, XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX XXXX Also the only name on my credit report should be XXXX XXXX XXXX
Consumer complaint received 2022-09-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

Good afternoon. 
After an investigation By XXXX XXXX XXXX XXXX, XXXX XXXX ( Case number XXXX ), into my XXXX XXXX account number XXXX. 
XXXX XXXX issued a final bill for the Total amount of {$980.00}. 
Last month I did pay {$95.00} off {$980.00} and now XXXX XXXX are trying to collect the wrong amount of {$1900.00}. 

Thank you for your help. 
XXXX XXXX XXXX and XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (CA)

I refinanced XXXX of XXXX. The final closing documents stipulates flood policies be placed in escrow. I own 2 houses on an average in a special hazard flood zone. Homeowners and landlord policy as well as property taxes were stipulated as non escrowed. HOMEPOINT took it upon itself to pay my property taxes. I called and referenced final closing docs. XXXX XXXX returned money to bank. This was a 2 month process. I made clear to HOMEPOINT only flood insurance was escrowed and once again, referenced closing docs. HOMEPOINT then proceeded to pay my homeowners policy and now my account is in suspence. This has gone on for 6 months. HOMEPOINT is reporting to my credit agencies. My score went from XXXX to XXXX. I continue to pay my insurances by auto pay via my bank. HOMEPOINT is demanding I repay the money they paid in error. I am paying every month principle, interest and flood payments. I refuse to pay more as I continue to pay my homeowners and landlord payments on auto pay. I really think HOMEPOINT understands the grievous error it has committed. Please help. I am at my wits end. 
XXXX XXXX
Consumer complaint received 2022-04-24
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. (FL)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

15 U.S.C 1681 Section 604 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 then seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CHILDSUPPORT : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXXDOFED : XXXX
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All of the inquiries listed on my TransUnion credit report below are fraudulent. 

TransUnion fraudulent inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-09
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-04-23
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. (KY)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX U.S.C 1681 Section 602 A. States I have the right to privacy. ( I did not give my permission ) 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 or any other adverse items of information, other than records of convictions of crimes, which antedate 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 the information is inaccurate.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TRANSCARD, LLC (MD)

A card was given to me from XXXX XXXX  that has XXXX on the back in XXXX XXXX  XXXX with an expiration date of XX/XX/XXXX. 

This is in violation of the credit card act of XXXX which states that a gift card can not expire within 5 years of issue. 

I called XXXX  and transcard about having another card issued for the remaining balance but they refused to issue a card or compensate me in any other way even though I told them that it is a violation of law to forfeit the balance.
Consumer complaint received 2022-06-12
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: CLGF Holdco 1, LLC (OK)

Between XX/XX/2022 and XX/XX/2022 XXXX fraudulent {$100.00} XXXX  charges were placed on my Indigo Platinum Mastercard in XXXX XXXX, California. ( I do not reside in or near that state nor had I traveled there ). I hadn't used that card in almost a year, and I had fully paid it off. I noticed the charges when I received a statement balance in XXXX. I contacted Indigo Master Card to report the fraudulent charges, they told me they would note my account and submit the report to the fraud department, as well as close my account. They reported the investigation could take up to two months to fully complete. 

In XXXX I noticed despite the pending fraud report, they had reported a missed payment for the charges that impacted my credit score. Customer service reported that nothing could be done on their side until the investigation cleared and to reach out to a credit bureau. 

In mid XXXX, I still had not heard from them or seen changes to my statements, so I had called service for an update and they stated that my account had never been noted. They stated that the fraud department had closed my account so the investigation must still be pending, but there was no timeline on when I could expect it to be completed. The missed payments being reported are destroying my credit score, and after reporting them to XXXX it showed only XXXX 's to be cleared, and I still have a 90 day past due balance.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX  with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. TransUnion has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. TransUnion violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an XXXX account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this XXXX account is was removed from the credit report. XXXX apparently sold the disputed debt to XXXX XXXX with full knowledge this debt was disputed as fraudulent not belonging to consumer then TransUnion reinserted the dispute debt on the consumers credit report. I contacted XXXX XXXX  on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX XXXX has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed it and it was remove from said report and TransUnion illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX XXXX  investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: MUFG AMERICAS HOLDINGS CORPORATION (TX)

To Whom It May Concern : I recently ( within the past two weeks ) signed up for a credit card with Union Bank XXXX XXXX and received the card Thursday, XX/XX/2022. In the paperwork that was sent to me with the card, the Summary of Credit Terms states in large font and in bold a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " Annual Percentage Rate ( APR ) for Purchases. Additionally, this Summary of Credit Terms states ( in bold ) a " 0.00 % Introductory APR for the first 15 moths that your account is open '' under " APR for Balance Transfers ''. Nowhere on the form does it say that using the card for a purchase after doing a balance transfer will nullify both 0.00 % promotional offers. 

Yesterday ( XXXX XXXX ), I called in to do a balance transfer and transferred {$2800.00} from my XXXX credit card, although I would have preferred to do it via paper or online form but was not able to do so on the Union Bank website ( https : XXXX ). I repeatedly had difficulty understanding the Union Bank employee 's speech and repeatedly made this clear ( our conversation was in English, and I speak fluent English as a first language ), and I did not hear any new warnings that ( despite not mentioning it the Summary of Credit Terms issued to me this week ) that if I use the credit card for a purchase after doing a balance transfer that I would be liable for a 9.99 % interest rate for not only the balance transfer but also all new purchases. I would not have realized it until today ( XX/XX/XXXX ) when I called in to transfer {$4000.00} from my other credit card and was clearly told the terms, which I feel are unfair and so I declined to transfer the additional balance. I spoke with two Union Bank representatives today ( XX/XX/XXXX ) and clearly expressed that I felt I had been misled and that I do NOT agree to paying this bank interest in the first month when the Summary of Credit Terms clearly states that the APR for both purchases and balance transfers are 0.00 % for the first 15 months that my account is open. I was told that I could file a complaint with the company but there is nothing else they or I could do, and now I have to wait 10 business days to hear back from them. Again, this is false advertising at the very least, and completely predatory behavior in my view as a consumer. 

Any help with this issue would be appreciated, I am more than happy to provide a copy of the Summary of Credit Terms that I refer to, please see attached. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-04-24
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. (FL)

Account # : XXXX Account name : XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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 a account without my written instructions.
Consumer complaint received 2022-04-24
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. (GA)

I paid the collections accounts of XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/2022. Both accounts were paid with the understanding that they would be deleted from each credit bureau. XXXX XXXX is reporting as settled but it was supposed to be deleted from XXXX and XXXX. XXXX XXXX XXXX was also supposed to be deleted but it is reporting as settled and paid on Equifax, XXXX, and XXXX.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check as I do monthly from XXXX XXXX on XX/XX/2022 for {$10000.00} at the Truist Bank location in XXXX, Florida. XXXX days went by and I realized the bank withheld {$4400.00}. I called the bank after waiting more than a hour spoke to a representative and supervisor both of their reply was " check verification for available funds. '' That is a lie because the check cleared on XX/XX/2022 XXXX XXXX gave me copies proving the check was cleared. I went to the bank also spoke to a supervisor she told me they were holding the money and she wasn't allowed to override, she also said it happens. Five days short on funds I get a notice from Truist of exceptional hold, with a disclosure informing me they will refund me any fees for overdrafts or returned checks that result of this additional delay that they are imposing. How is this allowed? I deposit the same checks for the same amount most of the time, after a history search, I found all deposits for the last year and before that to be available within 24 hours. This imposed a big problem for me causing me to have to borrow money, it took past 12 days how is that allowed?
Consumer complaint received 2022-04-24
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)

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 : Acct. # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX XXXX, XXXX : Acct # XXXX XXXX XXXX XXXX : Acct # XXXX XXXX, XXXX : Acct # XXXX, all 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 2022-04-24
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXXL XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately