davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (GA)

I have several hard inquiries on my report that'd I'd like to have removed, I've tried calling to get this resolved on XX/XX/XXXX to get these fraudulent inquiries removed the rep by the name of XXXX ( this is on a recorded call ) refused to dispute or remove these inquiries as she states they are valid although they can't provide proof that I authorized or signed for these inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2022-12-27
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: CREDIT ACCEPTANCE CORPORATION (LA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2022-08-25
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. (PA)

The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX  account XXXX XXXX has violated my rights XXXX  XXXX XXXX account XXXX XXXX has violated my rights XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) account 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 Sates : 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 ) Section States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate
Consumer complaint received 2021-11-05
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: EQUIFAX, INC. (GA)

I'm unimaginably disturbed! My hidden response to the mistaken thing on my recognize report sent as communicated in a past message on XXXX. Today is XXXX. Regularly by law, you ought to respond inside 30 days. During these irksome events, every one of you have been given an extension which I grasp. Regardless, it has been far in excess of the expansion time span given. I have urged you on numerous different occasions. I'm starting to acknowledge this is a lull technique on all of you 's end. I demand your association kill this XXXX XXXX from my credit report or face case. In case you don't kill this off-base information speedily I will record a formal complete with the FEDERAL TRADE COMMISSION! I'm remaining mindful of my records overall and kinds of correspondence with you on this matter just in case of archiving a protesting with the FTC in the event that you continue to decide not to arrange. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered responsible for your decision not to not assent. My family and I are being constrained to pay higher credit charges and denied by numerous associations when endeavoring to purchase significant necessities to get by during this problematic money related period. In the event that your next response to me is everything except an extraordinary application with my imprint on it or a letter communicating that the tricky information that is ignoring the Fair Credit Reporting Act isn't deleted I will continue with my FTC complaint. As exhibited by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are needed by government law to certify, through the genuine check of the chief stepped buyer contract, all records that you post on a credit report. Else anybody paying for your identifying associations could fax, mail, or email in a fake record. I interest to see obvious evidence ( i.e. : a unique purchaser contract with my engraving on it ) that you have on the file for the record recorded under. 

Your frailty to distinctly check these records has harmed my capacity to secure credit. Under the FCRA, mistaken and unusual information ought to be deleted from a client 's credit report.
Consumer complaint received 2024-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

When I use XXXX or XXXX to send money to other individuals, Barclays charges me {$10.00} " Cash Advance Fee '', even though clearly there is no cash involved. Since I have my payments processed automatically, I only noticed these fees today. It turned out, I was charged these fees 8 times this year! 
When I asked Barclay 's to explain why I was charged these fees, they referred me to their Terms & Conditions, which say " The purchase of money orders, traveler 's checks, XXXX XXXX, ATM transactions, cash withdrawn from a bank teller, foreign currency, lottery tickets, gambling chips, wire transfers, certified checks and third-party payments are treated as cash advances ''. However, Terms & Conditions don't say that XXXX and XXXX are classified as wire transfers. I only found out about it when I asked about the cash advance fee. How could I have known in advance that XXXX and XXXX transactions would be subject to those fees? This is absolutely unfair.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/2020 I filed disputes with all three credit bureaus. I have yet to received ANYTHING from them .. This is 100 % unacceptable. Since this was on done XX/XX/XXXXyou cant use the holidays as an excuse. I understand with covid things are slow but this is right. Attached is the first disputes I filed
Consumer complaint received 2021-07-15
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 (TX)

I was scammed for {$2800.00} from my Bank of America account by a scam that is known to BOA. Their scam software did not prevent my loss of funds. All they will do for me is investigate. I reported it to the bank immediately. They will not return my funds.
Consumer complaint received 2024-09-11
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NV)

I applied for a card with Synchrony Bank and I was approved for {$8000.00} credit limit. I made a purchase for {$1000.00}. I made my payments every single month. Then for no reason, they reduced my credit limit to {$1000.00} and my balance was {$930.00}. This makes my credit utilization to over 100 % with all these fees and interest nonsense that they tacked on to it. 

When I reached out to them, I received no help from their staff. I told them that I have never missed a payment and they are punishing me by destroying my credit. I asked them repeatedly if making payments on time every month was not the right thing to do then what should I have done? They have yet to answer that very reasonable question. 

I offered to pay my entire balance off if they put my card back to the way it was. I shouldn't have my credit destroyed for making all my payments on time. The only motivation I have to pay off the credit card is to build good credit. When they change the rules on me for no reason and destroy my credit, they also destroy my motivation to pay them. Why would I continue to give them money after they destroyed my credit for making my payments on time? 

There was nothing on my credit report that would be a reason for them to reduce my credit limit and nothing had changed since I had applied and they gave me the {$8000.00}. This is obviously a scam that they are running, and it is absolutely disgusting how the CFPB does nothing about it and is a complete worthless organization that allows criminals to be criminals and destroy the lives of innocent people who are just trying to survive. I don't know how any of you sleep at night. 

My complaint was closed as if you did anything. All you do is relay my message to them?? Who cares and who needs you? Why do you even exist? 

The response I received is insulting to expect anyone to believe that nonsense. I've had with these corrupt companies who are discriminating against straight white males and are destroying my life when I have done nothing wrong. THIS IS SICK AND IT IS ONLY A MATTER OF TIME BEFORE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

DO SOMETHING ABOUT THIS CFPB!! 

DO THE RIGHT THING SYNCHRONY!!!!!!!!!!!!
Consumer complaint received 2022-12-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX i was involved in a XXXX and sustained significant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was XXXXXXXX during this time from mid XXXX to XXXX. In XXXX I notified Navient of my accident and inquired about deferment for partially XXXX customers. They stated nothing was available. They said to try next mont next couple months for discounts or deferment. Nothing was ever made available. Ive tried 2 seperate times to do income review assessments to lower the monthly cost. This is because I was not working from XXXX to XX/XX/XXXX. Currently I am on a restrictive light duty working part time. I still find difficulty making payments with my current monthly income significantly lower than last year.
Consumer complaint received 2022-08-25
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. (MS)

In accordance with the Fair Credit Reporting act 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 section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CT)

XXXX Working with XXXX Mortgage and Caliber Home Loans to resolve incorrect Hazard & Earth Quake insurance for {$1700.00} per month forcing me into Bankrupcy and foreclosure in 2016 Told in XXXX was receiving a credit and it never came XXXX.
Consumer complaint received 2022-12-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Collection Systems, Inc. (TX)

This debt was previously sold to two different debt collection agencies- XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXX XXXX  XXXX and XXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. There is legal binding paperwork to prove this. However this debt was then sold to a third debt collection agency after being provided legal binding paperwork that this account was closed and deleted. On XX/XX/XXXX, National Credit debt collection agency reinstated the debt illegally on my credit report and has illegally given my personal information ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. They have also provided fraudulent remarks on my credit stating this debt is " severely past due '' and that I supposedly have " missed payments ''. They have also harassed me over a dozen times after stating to them to not contact me and threatened to take illegal action against me. As a result of these illegal activities from this debt collection agency, I am letting this complaint serve as a final notice for this to be deleted from my credit with written confirmation again. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
Consumer complaint received 2020-11-02
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: JPMORGAN CHASE & CO. (MA)

I applied for the Marriott XXXX account under the promotion " You are invited to apply and earn 30,000 bonus points after you spend {$1000.00} on purchases in your first 3 months from your account opening. '' Not only did I spend the required {$1000.00} meet the conditions in the 3 month time frame stated. I applied for the XXXX card in XX/XX/XXXX ; received the card in XX/XX/XXXX and made the purchases between XXXX and XX/XX/XXXX. 
I waited until XX/XX/XXXX before making the first call asking for my bonus points as I met the requirement. I was informed in XXXX by way of a letter that the promotion listed on my account was for 50,000 points if I spend XXXX however I called back with proof that the 50,000 bonus offer did not start until XX/XX/XXXX as I receive all of their promotional emails. I furthered stated I had verifiable proof of the promotion I entered in as I took a screenshot when I applied. 
I waited until XXXX for the same denial from the company. I called a XXXX time asking to submit my proof. In XXXX I sent the proof of the screenshot I took from the promotion and the representative I spoke with even confirmed ( calls are recorded ) that the promotion I stated was actually the promotion in place XXXX. 
Even with the proof this company still denies the promotion and honoring the promotion that was advertised in XXXX ; the reason why I applied. I have since discontinued my use of my Marriott Bonvoy card as I refuse to use a card whose company refuses to honor their advertised promotions. I met the requirement and I believe they changed the conditions of the promotion without notification as to avoid awarding said bonus points. 
I want to warn other consumers to keep records, take screenshots ( even if they try to deny promotion ) and hold these credit card companies to their advertisements.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-15
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: CITIBANK, N.A. (NV)

My wife purchased flights for a planned trip but booked the wrong flight ( XXXX ). Before 24hrs, she called to cancel the flight. They told her it was non-refundable but eventually they agreed to refund and said they had 12 months to refund the money. She received confirmation via email. I then contacted Citi Bank to open a dispute because its not right for us to pay interest for 12 months on a error caught within 24hrs. They reversed the charges then later they replied that the merchant said its a non refundable flight. I then had to open 11 individual disputes again ( Not sure why it was charged that way if we made 1 payment ) and submitted a copy of the email from the XXXX agents saying it was canceled and that they have until 12 months to refund the payment. A few days later, I received another message from Citi saying that they responded with the same thing. Its a non refundable flight but I provided them a copy of the email received. This is unjust to me as a consumer and I expect them to protect me as a customer. Especially when I provided proof. I've tried to talk to someone on the phone and nothing happens. It seems its all automated.
Consumer complaint received 2020-08-24
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: Bread Financial Holdings, Inc. (SC)

I have sent several letters requesting validation and verification of this debt that is showing on my credit report with Victoria Secret. I only get a response letter stating hen the account was opened and my name. I demand to see a contact or something with my signature or this needs to be removed from my credit report immediately. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account.
Consumer complaint received 2020-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MA)

On XXXX XXXX of XXXX I had a fire in my home which displaced 6 people. XXXX XXXX and XXXX adults. XXXX children are XXXX and XXXX adult. Since XX/XX/XXXX we have lived in XXXX XXXX and our coverage with XXXX XXXX is ending XX/XX/XXXX. Freedom Bank ( Freedom Mortgage is where we have our mortgage ) has a check for {$67000.00} to start construction since the end of XXXX and multiple mishaps or miscommunications has made it so now we have lost our contractor. We will be homeless in a month with XXXX kids, I am the only employed person in the home. We do not qualify for government help because I am a XXXX. My husband doesnt qualify for disability but he cant work. There is one income. I am struggling everyday to pay for the lost, replacing clothing and toys and professional and seasonal clothing. This has financially stressed us. There is no movement and no release of money. Im struggling to pay for this life and need to be in my home. I now have to file bankruptcy because of this situation. We have experienced theft and water damage as well due to the mishandling of our claim by XXXX XXXX to our home. We need help. The hardships and impact on my family has been immense emotionally, mentally, and physically. Our entire family and animals were exposed to XXXX  by this as well. Weve been told by our bar rep to settle now to get money to start the construction, but its not enough to cover. XXXX has repeatedly delayed and have handled us carelessly, as well as Freedom. My husband has a XXXX XXXX and my child watched him be XXXX in an XXXX by their mother who thankfully got home in enough from double shifts to cover this disaster financially.
Consumer complaint received 2020-08-24
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX/XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX XXXX {$910.00}
Consumer complaint received 2022-06-23
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : 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