davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CUSTOMERS BANCORP, INC (NE)

I bought a desk for my mom on XXXX XX/XX/XXXX for XXXX, then she said that it still had not shipped she called them, the desk was not available, so I then ordered another desk for XXXX, the next day we found out that next was not available either .XXXX  refused to cancel both orders they said that they didn't have the desk, they don't know when they would get them in and since their system will not allow them to cancel the order I will have to wait until the desk arrive then refuse the order wait until they get it back and then up to 3 weeks after that .So I told them no i was not going to wait all that time for my money. I file a dispute, I also sent the bank the letter from XXXX stating they did not have the desks available. XXXX ended up sending the desk out I refused the first one and decide to keep the second one. Well the one for XXXX.So I canceled the dispute for that desk. XXXX sent me a refund XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX and sent XXXX on XX/XX/XXXX to a different checking account. those funds made it there but the funds to bank mobile say that they have not gotten the funds. When I called they said that they would expedite my case, then I got an email and they said that they would not. They are keeping my funds. XXXX is also going to refund me the XXXX, because one of the pieces to the desk that I wanted to keep was missing and they said they don't have the piece or another one to send me. I just want my money and then I want to close my account.
Consumer complaint received 2024-10-09
Product: Credit reporting 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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

For the past XXXX months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much XXXX in life already and these inaccuracies are adding up to that- worsening my XXXX health.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (TN)

Credior kept on reporting my account as late payment. But I was never late, I already disputed this. The two bureaus already remove this from the reports but Equifax still reporting this as late payment.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

I recently learned that Lowes/Synchrony Bank has falsely alleged that my brother lives at my address. Please force it to remove my address from any information that it has about my brother and his Lowes credit card.

Specifically, in CFPB complaint # XXXX, Synchrony Bank alleges that my address is my brothers address. This is untrue. Furthermore, neither I nor my brother would have told Lowes/Synchrony that my address is my brothers address. At the time that he opened his Lowes credit card account, my brother lived in XXXX, GA. Subsequently, he lived in Maryland and has lived there for roughly 4 or more years now.

So another question is how Lowes/Synchrony came to falsify my brothers address, then use its fabricated information to close his credit card. There is other false information in Synchronys response to my brothers complaint about its closing his Lowes credit card that will be dealt with in the CFPB complaint about Lowes capricious and unjustified denial of credit to him. This particular complaint, however, is mine and it is against Lowes/Synchrony for using my personal information without my knowledge or consent to falsify my brothers credit file and to expose me to increased risks of identity theft, financial crime, and cyber crime.

I resent any anonymous third party such as Lowes or Synchrony Bank appropriating my personal information against my wishes and without my knowledge or consent for its own illicit reasons. I resent it trafficking in my personal information for its own purposes. Why cant the CFPB stop this from happening? I am unfairly burdened, not only by Lowes and Synchrony Bank, but perhaps as well by the CFPBs failure to stop this illicit and potentially criminal activity from occurring. This is not my mistake, it is Lowe's/Synchrony Bank 's . I should not be forced into being a private policeman against their illegal behavior that jeopardizes my financial and general well being.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (CA)

When COVID happened I was laid off and enrolled in the home loan forbearance plan through new American funding, which was supposed to defer my loan payments and place them at the end of the 30 year fixed term. I am now receiving bills in the tens of thousands of dollars and contacted new American funding. They have stated that I am being charged additional interest per month that I do not make a payment. Approx $ XXXX/day. I was NEVER made aware of this additional interest, and could have borrowed the money from a bank for less than this amount had they been transparent about it when I enrolled in the program.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

One day while shopping at Costco an employee at the customer service area approached me about a credit card w/Citibank & Costco, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by Costco meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at Costco that day, plus more as I was receiving harassing phone calls from Citibank stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what Citibank stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from Citibank stating that they sent the credit card to my address and that it had been returned which I never knew until receiving Citibank 's letters that Citibank attempted to send me a credit card twice and they were returned. I told that Costco rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that Citibank is charging me was not an amount of purchased items as I paid my one time shop spree with Costco 's temporary paper slip, so my question is why is Citibank stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is Citibank continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called Citibank to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that Citibank attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : EXPERIAN : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (CA)

I have submitted an FTC ID THEFT and Police report to EQUIFAX multiple times and they are will not remove the fraudulent account. The XXXX XXXX account is a fraudulent account that I never had and they are fraudulent company submitting falsified documents under my name. Equifax is continuing to report fraudulent accounts.
Consumer complaint received 2021-03-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

On XX/XX/2021 I initiated a wire transfer from {$2000.00} from XXXX XXXX XXXX to XXXX XXXX, XXXX, the bank being used by Binance.us to handle incoming wire transfers to their customer 's accounts. The money was never credited to my Binance.us account and never returned back to the issuing bank. 
I tried to reach XXXX XXXX multiple times by leaving a message at the number they provided, but they never called back. Additionally, Binance 's response to my trouble tickets was only to wait for a more substantive response, but I have not gotten a response from them in over a month. 

Here is a copy of the wire transfer receipt : XXXX XXXX Bank XXXX XXXX XXXX Wire Dated : Thursday, XX/XX/2021 XXXX XXXX  Account : XXXX Name : XXXX XXXX XXXX XXXX : XXXX Wire Amount : {$2000.00} Reference : XXXX  to XXXX Info : Originator : XXXX XXXX. Purpose : Crypto. Ref : XXXX. 

Beneficiary : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Originator 's FI : Ref for Beneficiary : Sending Institution : XXXX XXXX XXXX  Sender Reference Number : XXXX Institution to Pay Beneficiary : XXXX XXXX XXXX XXXX XXXX : Information for Institution : Information for Beneficiary :
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klima, Peters & Daly, P.A. (VA)

My company, XXXX XXXX XXXX, XXXX received a business loan from XXXX, XXXX on XX/XX/XXXX in the amount of {$14000.00} of which {$12000.00} was loan amount and {$1400.00} was origination fee. XXXX, XXXX charged the XXXX XXXX XXXX, XXXX 94 % interest rate for this business loan. I made the following scheduled payments totaling {$20000.00} until my company fell into hardship with no revenue coming in. 

XX/XX/XXXX {$1600.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} On XX/XX/XXXX my loan was sold to XXXX XXXX, XXXX who then hired XXXX XXXX XXXX and law firm Peroutka , Miller , Klima & Peters , P.A . located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX to collect on this debt. I attempted to negotiate a settlement of {$3000.00} for this debt but they never responded to this offer. I also made the following payments totaling {$1800.00} to the law firm in attempt to settle this debt : XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$200.00} I will be at XXXX XXXX XXXX on XX/XX/XXXX contesting a judgement against my company, XXXX XXXX XXXX, XXXX and my personal credit. So any advise you can provide would be greatly appreciated.
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

I am submitting this complaint because I am being extremely affected by Credit Managements actions. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : Account Name : CREDIT MANAGEMENT, INC Account Number : XXXX Original Creditor : XXXX XXXX. 
Opened Date : XX/XX/2019. 
High Balance : {$72.00} My demand is based on many damages and all the violations that they have committed : I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please sed the attached documentation to this company. 

Thank you.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allgate Financial, LLC (TX)

I was able to check my credit report today and see that this company JH Portfolio is reporting information inaccurately on my report. As you can see with the attachment below this company has purchased A debt from world finance. Showing the last activity date on the account to be  in XXXX. This was A fraud account that I did not authorize and when I spoke with world finance in regards to this they informed the last activity date for the account was XX/XX/XXXX which means the account should not be showing on my credit report after the 7 years. I reached out to this company by mail and have not heard anything back. When I spoke with world finance today ( XX/XX/XXXX ) I was informed to contact A corporate number which I did and left A message but no actual person to speak to. I would like the misinformation completely removed from my credit report as it is illegal to report inaccurate information. If needed I can provide A copy of my credit showing the dates that this company has been actively reporting. I also asked that this company provide me with debt validation. This should show my signature and DL agreeing to such debt and also the date of the transaction will reflect that it was not the reporting dates that this company is reporting. After seven years in Texas it is illegal to report such accounts and it is illegal to report inaccurate information. World finance informed me that the company may be reporting the day that they bought the account. Which is also illegal because they aren't reporting accurate information.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (CA)

There is a XXXX account reporting on my XXXX and Equifax consumer reports that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with XXXX, XXXX, and Equifax and they have failed to remove it from my credit reports.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MA)

I purchased tours of the XXXX XXXX XXXX and XXXX from XXXX on XX/XX/XXXX. These tours were refundable when booked. On XX/XX/XXXX, I contacted XXXX about a refund since my flights were canceled and I had to cancel my trip because of COVID-19. The response I received was that my reservations were placed on hold and would be refunded if I did not provide new dates within 180 days. So the refunds should have been issued by XX/XX/XXXX. 

When I realized I did not receive my promised refunds, I reached out to Chase on XX/XX/XXXX, within 60 days of the expected refund, to initiate a dispute and sent them screenshots of my email conversation with XXXX. I received a response that they were researching my disputes. On XX/XX/XXXX, I responded to a request for more information from Chase and sent screenshots of my email conversation with XXXX a second time. On XX/XX/XXXX, I received a letter from Chase that they " considered the charges to be valid because they didn't find any evidence of a billing error. '' I responded to this via secure message as the stated reason makes no sense and for a 3rd time sent them a screenshot of my conversations with XXXX. I have received no response outside of the automated responses to this message. 

I also contacted Chase via XXXX XXXX  about this issue and was told that they resubmitted the dispute. They they contacted me today to say that the claim request was denied and the disputes team said that I have no dispute rights over a cancellation in XXXX for a service in XXXX. Note that this was never communicated in the past and the reason given initially for the charges being upheld was that they " didn't find any billing error. '' Chase is being super shady about this and I filed the dispute as soon as I realized that XXXX did not issue the refund by XX/XX/XXXX as promised.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.