davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-04-04
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: Chime Financial Inc (MI)

I rented a car today on XX/XX/2021 and three weeks later, my bank falsely charge me twice that same day and tried to blame the Merchant, but, I contacted the merchant and we both submitted proof of my transactions and they just refuse to accept. Now my credit has been lowered and I've suffered mental anguish trying to fight this injustice ... And damage done wrongly to my credit which is my life. Chime is the bank I now wan na sue.. They are scamming theives, Stealing constantly little two 's and fews from the poor, why they get richer
Consumer complaint received 2022-10-10
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: NAVY FEDERAL CREDIT UNION (NJ)

This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. 

As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. 

Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

It has been over 5 months since my account has been closed bank has not released my remaining funds.. I have been calling every week for 5 months and every time they tell me that my funds will be sent out within a week. They inform me that my account is closed and should be sent out a check but after numerous attempts to resolve issue I have not received my funds.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

I contact the collection agency Lvnv funding LLC yesterday XX/XX/2020 stating that I dont owe or have any knowledge of anything on the account that was open with XXXX XXXX XXXX ( amount {$760.00} ) I need this account to be deleted Im not the owner of this fraudulent account.
Consumer complaint received 2022-06-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (PA)

On XX/XX/XXXX, I received a notice from my county tax office that my taxes for XXXX had not been paid. I contacted Flagstar and opened a case. They said I would receive an e-mail in 7-10 days that it was resolved. I never received the email so I called again on XX/XX/XXXX. The person I spoke to said they were doing a re-analysis on my escrow and I would receive an email to let me know it was resolved. I then received an email on XXXX stating it was resolved and received an overpayment refund of {$320.00}. On XX/XX/XXXX, I received a certified 2nd notice stating my taxes from XXXX had still not been paid. I called again. They assured me they would take care of it and I would receive an email when it was resolved. On XX/XX/XXXX, I received the email and a second overpayment refund of {$12.00}. On XX/XX/XXXX, I received a final notice from XXXXhe county that my taxes had not been paid. I called the county office this time and they informed me that back in XXXX, XXXX had contacted them and asked for a balance, but had never made payment. I called Flagstar again and was assured it would be resolved and I would get an email. I received an email on XXXX, almost a month later, that it was resolved. I then received a notice that my mortgage payment was going to be {$150.00} more starting in XXXX due to a {$970.00} escrow shortage. I called on XXXX and spoke to a manager who stated I would receive a call back once they did another escrow analysis. I received an email stating it was resolved and no phone call. The mortgage payment is still {$100.00} more than what I was paying. I do not feel I should be paying extra now due to multiple errors on their end. If my taxes had increased, I would understand. However, this is something they should have been able to fix and clear up after the very first phone call back in XXXX.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MI)

On several occasions I have tried to to pay off my XXXX XXXX store credit card with Comenity Capital Bank. 

I paid it off sometime in XX/XX/2021 and closed the card. However, through XXXX to the present, Comenity has been tacking on service charges ranging from {$9.00} to {$2.00}. 

I accrued a late fee in XXXX because I believed I paid the card off. I agreed reluctantly to pay the remaining {$46.00} ( all service charges and late fee ). I was promised by the customer service representative that I would no longer have any fees added to this card and it was a XXXX balance and stay as such. 

I requested a letter stating I would have this XXXX balance from now on, which was mailed to me and I have in my possession. 

Today, XX/XX/XXXX I have received a bill from Comenity stating I owe them {$2.00} due to a service charge. 

I called their customer service number and explained I was promised I would no longer have fees on this account. The customer service representative took my information and then five minutes or so later told me that he could not help me today because Comenity is doing a system update. I was told that I would have to call back on the XXXX when their systems were updated. 

I state this was unacceptable and that I wanted to speak to a manager. I was told no that due to the system update speaking to a manger would not work. 

At this point I stated that I would be reporting this to the Credit Financial Protection Bureau and I ended the call. 

I refuse to pay this {$2.00} service charge and any other charges or late fees that may accrue as I was promised over the phone and via letter I would remain with a XXXX balance and considered any card payment completed.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-07-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I tried to fix an abusive and incorrect information that XXXX and Bank of America is reporting the account ending in xxxxxxxxxxxx XXXX as Charge-off. Debt included in or discharged through Bankruptcy Chapter XXXX on XX/XX/XXXX. The limnit was XXXX, and highest balance was {$11000.00}. 
On XXXX  I can see that : Balance {$11000.00} Credit Limit {$7500.00} Available Credit $ XXXX ( How is possible to have negative availability when my dept wast discharged through Bankruptcy Chapter  XXXX by Court of Law on XXXX, XXXX? I never heard about that some/ or an institution to be above Law? 

The XXXX updated my report with the above account on XX/XX/XXXX as Charge-off. In my humble opinion I believe that are they trying to overrule a Federal Law and to reinstall an account that was closed many years ago and included in Bankruptcy. 

My Info Regarding Bankruptcy : US BKPT CT CA XXXX XXXX Bankruptcy chapter XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX Court US BKPT CT CA XXXX XXXX  Contact Info of : BANK OF AMERICA XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX info : XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I believe the above account was closed back in XXXX-XXXX and for sure the dept was included and discharged through Bankruptcy and any dept was dissolved and approved by Court of Law back on XXXX. By Law I owe {$0.00} to anyone and nothing negative should be reported as negative on my credit report. 

It's impossible that to have bad debt and to be placed for collection and updated on XX/XX/XXXX with a past due amount of {$11000.00} when the amount should be {$0.00}!
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (SC)

XX/XX/XXXX I requested full verification of this account. Prior to me receiving this info i got an alert from my credit monitoring company that my payment history for Exeter was updated. Upon looking at my payment history I realized some months that were reporting 90 days late were updated to 60 days late and some of the payments that was reporting 60 days late was updated to 30 days late for the year of XXXX. Ive called several times about this matter. On today XX/XX/XXXX. I received a call for a XXXX XXXX who stated that he was the manager for the complaint department at Exeter. We spoke about some other concerns I had about my account. I then told XXXX XXXX about the issue with my payment history. XXXX XXXX then stated ( on a recorded call ) that when i request information about my account the credit bureaus sends Exeter a notice asking them to review the information in the account to make sure its accurate. XXXX XXXX then stated that if they find anything wrong they will correct it. This is violation under the Fair Credit Reporting Act ( FCRA )
Consumer complaint received 2021-07-20
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)

XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.
Consumer complaint received 2021-07-21
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. (TX)

I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.
Consumer complaint received 2020-11-13
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)

THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT HAVE ANY CONNECTION WITH ANY TRANSACTIONS THAT I HAVE MADE. MY CREDIT FILE HAS BEEN DAMAGED AND I NEED HELP WITH GETTING IT BACK TO IT'S NORMAL STATE. I AM NOT RESPONSIBLE FOR NONE OF THE DEROGATORY ACCOUNTS AND INQUIRIES SO I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT THE ACCOUNTS AND INQUIRIES CAN BE REMOVED OFF OF MY CREDIT IN A TIMELY MANNER.
Consumer complaint received 2023-04-04
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. (MO)

In XXXX of XXXX I was in the XXXX XXXX XXXX my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. XXXXTHEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXX.I have XXXX discharge papers i am willing to provide as well.
Consumer complaint received 2022-12-31
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 listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX Account # : XXXX Charged off- This account is written as a charge off. 

Account : XXXX XXXX XXXX XXXX XXXXXXXX Late Payment dated XXXX XXXX  15 U.S.C 1681 section 602 A States I have a 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.

15 U.S.C 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-12-31
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. (CA)

XXXX XXXX XXXX Cred : # XXXX, XXXX 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 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I submitted a complaint about Experian reporting an incorrect address and I submitted my drivers license showing my address. Experian responded with this below : Thank you for submitting your dispute on XX/XX/XXXX, through the CFPB Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You indicated that there is an address that has never belonged to you listed on the credit report. You are requesting this address information to be deleted. Note we store address information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information reported the address you questioned, and it is a part of your credit history. If you believe an address in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone at XXXX XXXX XXXX XXXX if you need additional assistance to determine the specific sources of particular address information on your credit report. Feel free to upload disputes to Experian by visiting https : //www.experian.com/upload or dispute online by visiting https : //www.experian.com/disputes. For additional information related to fraud, please visit our website at : https : //www.experian.com/fraud/center.html or you may call the toll free telephone number provided on your personal credit report, obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian.