davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX  an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2023-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Im having problems dealing with the company Bank of America. I have a mortgage on a property at XXXX XXXX XXXX, XXXX, Ma. A XXXX XXXX tax payment was missed last XXXX. When I went to pay taxes online the taxes were no longer there to be found. I assumed it would just be added to my next real estate bill. ( My real estate taxes last year were, {$6500.00}. ) On XX/XX/XXXX, I received a bill from Bank of America, my Mortgage XXXX, saying I owed {$3200.00} which I then paid online on XX/XX/22. I received another bill for {$2100.00} which I again paid online. This totaled {$5.00}, XXXX. I talked to customer service and was told my payment would revert back to the normal monthly payments. 
I paid my usual {$960.00} then I checked my online bank statement the next day. I saw that Bank of America had taken {$3100.00} which was most of my Social Security check. I never gave Bank of America permission to remove this sum from my bank account. 
The total amount I paid to Bank of America for XXXX was {$8.00}, XXXX. I called my bank, XXXX and they said Bank of America has no authority to go into my bank account. 
I talked to the XXXX of XXXX Treasury Department. They said they did not give over my real estate bill over to Bank of America or place a lien on the property. The XXXX Treasury said something seemed suspicious and I should contact the Attorney General ( which I did ). Bank of America appears to have taken out an escrow account without my knowledge or approval. I have talked to numerous Bank of America Customer Service XXXX but cant get any concrete information. 
My mortgage payment has gone from {$960.00} per month to XXXX per month. No one can explain to me how that was determined. This payment seems to be set to continue for the next 15 years. Property taxes are paid twice per year in XXXX and amounted to {$6500.00}. I need guidance and help with this matter. Thank you.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MD)

Hi my name is XXXX XXXX. I love American Express. I filed the complaint to CFPB on XX/XX/21, and the response letter is attached. 

Here is the story : I applied for the AMEX platinum card on XX/XX/21 with signup bonus as XXXX for {$5000.00} spending plus XXXX for grocery and gas stations in the first 6 months for up to XXXX XXXX dollars ( screenshot evidence attached ). Over the past 6 months, I only received 1 point per dollar for the {$14000.00} grocery and gas spendings I made but not the extra 9 points per dollar. In total, AMEX owes me XXXX points by promise. 

The previous CFPB complaint ended up with a response letter which I completely disagree with. First, the sign-up bonus was confirmed with an AMEX online chat agent on XX/XX/21 ( screenshot evidence attached ). Second, the letter stated that there was a pop up window denied my eligibility of welcomes bonus, which I swear to XXXX there was none. I would NEVER proceed the application if I saw any, just because I am a normal person and I am not XXXX  or XXXX. Third, part of the welcome bonus ( XXXX bonus ) was actually issued after {$5000.00} spending requirement was met, making words in the letter against its own. 

I deeply believe I was tricked by a failure in the IT system which the IT department in AMEX was not aware of. I feel so bad to be penalized so hardly when I did nothing wrong. If AMEX can not honor the offer it was promised, I may need to further report to the Office of the Commissioner of Financial Regulation in the State of Maryland in order to get a full investigation to probe into the misleading marketing and false promotion issues. 

Yours, XXXX
Consumer complaint received 2021-07-09
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. (GA)

Experian has provided false information of XXXX XXXXXXXX XXXX GA XXXX verifying the public record on consumers file as accurate. Under the FCRA, courthouses do not verify public records to credit reporting agencies, credit bureaus, third-parties and vendors. Experian states on report of dispute results that XXXX XXXX XXXX XXXX XXXX, is the third-party vendor who provided them information regarding the public record at https : //experianconsumers.XXXX.XXXX/. XXXX is not the original data furnisher of this information as required under FCRA and must be deleted for false reporting and XXXX could not verify this public record in their database : Chapter XXXX bankruptcy. Continuing to report the public record is a violation under the FCRA as stated above, I have requested for Experian to stop reporting the public record and delete it from the consumer 's credit report.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-12
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. (IL)

i noticed an account on my credit report i immediately contacted all parties and the three credit bureaus XXXX fixed the error but XXXX and Experian did not so i sent them a copy of XXXX 's results and ask them to send me what proff they had to keep reporting the delinquent account on my credit report and all i got was a letter stating that they had updated the account. which it does not fix the problem it is hurting my credit report and i would like i removed immediately.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from Citizens on my Mortgage and any and all late or missed payments are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. XXXX is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of XXXX closed and all workers were force to work from home. I called and wrote to Citizens about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXX, died of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to Citizen 's was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.
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 — Information belongs to someone else
Company: Convergent Resources, Inc. (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-06-30
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. (FL)

My CHASE FREEDOM card includes my daughter 's name for her to be the user & to make payments. All invoices listed each month were made in XXXX XXXX, FL. Then, all of a sudden, one month showed 8 charges ( adding up to {$580.00} ) were made in XXXX, FL. She NEVER GOES TO XXXX. We filed a DISPUTE to FRAUD DEPT of CHASE for the unauthorized use. ONLY SHE HAS A CARD ( plus me & her Dad ) They promised to investigate, which they did. Adjustments were made on next invoice. She paid balance. To our AMAZEMENT, they then reissued the {$580.00} charges, saying " the transactions were valid & WILL REMAIN on your account balance ''. .FACTS : SHE WAS NEVER IN XXXX XXXX ALL HER CHARGES HAVE TO HAVE BEEN MADE IN XXXX XXXX! ALL of her statements prove that!
Consumer complaint received 2022-01-12
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. (PA)

Account was closed by me due to inaccurate fees charged to my account. 
Around 2008 they began to report inaccurate debt to credit bureau yet even after my desputes they continue to report the account. 
This account is well over XXXX years old. 
How can they continue to publish this a derogatory account? 
Can you Please assist me with this?

Thankyou
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MI)

As of XX/XX/2023 XXXX reported back inaccurate info ( Pentagon Federal Credit Union ) of XXXX Days Late. PFCU has already made the correction on their end however XXXX customer rep claims they were never sent appropriate documentation from PFCU. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (NJ)

I believe I am a victim of identity theft. I disputed the fraudulent information ( AMEX ) from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus and the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I sent a letter to Experian asking for a method of verification on two of my collection accounts. They closed it three days later, I called and talked to XXXX whos on team # XXXX stated that they sent my results on XXXX second that includes some of my requests such as a wet written signature, name of person that did the investigation, who the investigator talked to to get the information thats verifiable and so forth. She said it was sent via email. I never received that email so I asked her to resend it and also send it via email. She complied and told me it would take 24-48 hours to receive the email. I received the email yesterday also confirming that I did in fact get the email but it was not what I asked and it still didnt have any methods of verification. I called today requesting that they delete the account because in the letter I stated that if there wasnt any methods of verification to delete the account, XXXX told me that Experian doesnt do methods of verification, they send what I sent to them to the lender. So my problem is these two different reps told me two totally different things, and also after sending my letter to the lender how fo they verify if its verifiable. I didnt understand his reasoning so I asked to be transferred to the supervisor which his name is XXXX, XXXX took really long to transfer me to him so Im pretty sure XXXX told him already what my problem was because when I got on the phone with XXXX he didnt budge he in fact told me the same thing XXXX did. So I asked him to delete the accounts because my request wasnt made, he basically told me that Experian doesnt care about reporting inaccuracies and inaccurate info when the lender tells them to delete they will. I am saddened that still in XXXX XXXX petiole still cant have what belongs to them. XXXX people voices still aren't being heard. XXXX is still under investigation, XXXX  said they mailed out my requests the next day they received them, which is impossible so Im going to file a complaint with them as well if they dont do neither such as their sibling Experian.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Equifax is reporting that the first major delinquency on my XXXX  XXXX account was XX/XX/XXXX. I settled the account in full on XX/XX/XXXX. The first major delinquency was XX/XX/XXXX and the last payment date being reported by the creditor is XX/XX/XXXX. I have attempted to get this inaccuracy corrected since XX/XX/XXXX to no avail. I have made multiple disputes of the information. XXXX  is reporting the information correctly, Equifax has the dates inverted. This has caused me to be denied credit increase, pay higher insurance premiums, and get a higher interest rate on my mortgage applications. 

Additionally, I have disputed an authorized user account appearing on my credit that I was not aware of. The account was removed but Equifax continues to report a late payment that I am not responsible for nor had any knowledge of.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was told that I can reach out to you all regarding accounts on my credit that is not mine. I even saw some student loans on there and I didnt even graduate from high school. I was apply for a job and was placed on hold because of this. I saw XXXXXXXX US DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX  and XXXX XXXX. I also saw a few inquiries that I know nothing about. I am doing this on my own and I filed a compliant with the FTC. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  US SM BUS ADMIN ODA XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year>. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payments for XXXX and XX/XX/year> before the due date, but due to a delay in processing by XXXX, it was recorded as late. I have attached bank statements and payment confirmations that show the payment was made on time. 
Clerical Error : There was a clerical error on XXXX 's part, which they acknowledged, but the correction has not been reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX