davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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. (CA)

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX. How can a consumer accrue late payments if the account has already been paid? I previously requested that the Creit Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Dear CFPB, I am writing to you regarding case number : XXXX ], which was closed by another investigative agency. Despite my repeated attempts to resolve this situation through phone calls, emails, and visits to the XXXX XXXX XXXX XXXX XXXX, I have not received a satisfactory solution. 

I have been informed of a record of a 30-day late payment, dated XX/XX/year>. This notification was not provided within the required 21-day timeframe as stipulated in Section 623 of the Fair Credit Reporting Act ( FCRA ). Additionally, the confirmation of a malfunction in their payment system indicates that the responsibility lies with the banking institution. 

Given the significant impact this situation has had on my financial and emotional well-being, I formally request the removal of this late payment record. I am prepared to present a history of evidence to support my request. 

If appropriate measures are not taken to resolve this matter, I will be forced to consider legal action to protect my rights and demonstrate that the responsibility for this issue lies with the banking institution. 

I appreciate your prompt attention to this matter and look forward to your response.
Consumer complaint received 2021-03-30
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: AMERICAN EXPRESS COMPANY (CA)

I was booking XXXX Flights on XXXX XXXX and was about to proceed with the payment. There was Credit Card offer from American Express stating if you apply for the card and card got approve, you will receive XXXX XXXX statement credit and along with XXXX bonus miles if you spent XXXX XXXX within XXXX months. I instantly applied for the card by providing the usual information and it got approve as well. I have booked my flight tickets with the same card. Now in the credit card statement, I didnt receive XXXX XXXX credit and neither XXXX bonus miles though I already spent above XXXX XXXXXXXX within a month. While talking to American Express, now I am getting informed that I am not eligible for any of these Bonus offfer without any solid reason. They are saying you must have got a pop up while applying but I dont recall any such pop up. It just got approve ... I am literally XXXX with the company as the only reason I applied since I was getting this offer. No they are denying it to give. pls help.
Consumer complaint received 2021-03-30
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. (TX)

I have made 2 previous written requests, as well as 3 prior complaint to CFPB ( XXXX, XXXX ) in regards to the continued violation of my consumer rights concerning Equifax and their reporting of my personal information. Equifax continues to illegally report unverified items lon my credit report in violation of Federal Law. Equifax stated in their responses to my 2 dispute letters that they have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. Equifax has ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. I have also attached evidence that Equifax is indeed not actually verifying any information contained in ther report when all they havedone is parroted information given to you by other third party sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 15 U.S.C 1681 ( a ). Equifax 's failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2021-03-30
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: FIRST CITIZENS BANCSHARES, INC. (GA)

FIRST CITIZENS BANK CREDIT CARDXXXX does not protect their clients FROM FRAUD. 
On XX/XX/XXXX, I filed a fraud claim on a transaction that occurred on XXXX XX/XX/XXXX XXXX for {$590.00}. The agent took my claim and understood it was good it was within the XXXX timeframe needed to file. I was told I would have a credit within XXXX. I never saw the credit and called to follow up on ( XX/XX/XXXX ). On this follow up call the agent stated the claim wasnt within the XXXX so I clarified yes it was, it was first called in on XX/XX/XXXX. Agent verified dates and apologized and took my claim again and we should see credit with XXXX. Today I call again just to verify because I thought I saw the credit but I cant find it on my statements. Called today ( XX/XX/XXXX ) and when the agent " XXXX '' checked on the claim, she stated the claim was denied because it wasnt within the XXXX time frame for filing. I questioned when did it change from XXXX to XXXX? She couldnt say and just kept repeating the XXXX. I asked if a credit was given it must be a temp credit and then they reversed it and agent confirmed YES. I asked to escalate and was told there was no escalation, it was denied. Advised agent a complaint was going to be filed because they lead us to believe the claim would be credited and they seem to change the rules as they go. NOTE : no notification was ever received of any denial nor of any possible change of required time frame. They are deceiving me and Im sure Im not the only one. I will be posting this issue on-line for other XXXX XXXX  that may think FIRST CITIZENS BANK is there to protect them. If we didnt follow up, no one would know they just used that excuse to protect themselves, not their clients.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

HSBC current account was created in XXXX. The amount I deposited is with HSBC. I can't make bank to bank transfers or make bill payments because there is serious bug in their website that affects only my account and not other customers maybe. 

HSBC has put me in a vicious circle - The expect me to chat online through internet banking. When they fail they ask to me to call the helpline. When they fail, they send me back to the online chat. The vicious circle goes on and only wastes my time. 

HSBC has admitted that its a complex issue and they have kept me waiting for 2 months in the hope of getting a response from IT team. 

I am emailing them daily by they only give assurances if 3 days and then they default on their commitment every time. 

SEVERAL COMPLAINTS AND NUMEROUS PHONE CALLS HAVE BEEN MADE with several man-hours wasted in the process. 

Complaint 1. XXXX is the complaint registered in XXXX XXXX. 

Complaint 2. <case XXXX is pending with manager XXXX XXXX Complaint 3 : XXXX Complaint 4 : Higher level complaint number on XXXX XXXX, 2021 - XXXX Routing Number : XXXX Swift Code : XXXX XXXX ( CHIPS ) XXXX Account number to transfer funds into at HSBC HSBC 's address ; HSBC Bank USA , N.A. XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
Consumer complaint received 2021-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I applied for and received a XXXX XXXX  from Bank of America using my XXXX name and XXXX. Unbeknownst to be at the time, the bank used by XXXX XXXX when it approved the loan, which was then approved by the XXXX. Now, I can neither obtain a XXXX loan from Bank of America nor can I seem to receive from them the required " Invitation '' to seek forgiveness of my first loan. I also have been turned down for the second draw by other financial institutions because my first draw was approved with another lender, Bank of America. When the XXXX loan application process first started, Bank of America 's requirement was that you have a business  relationship with Bank of America, which I did. My Bank of America account is owned by my XXXX. The XXXX regulations do not require a pre-existing business banking relationship. That is a requirement imposed by Bank of America, and nowhere did it state that when they said " YOU '' must have a pre-existing banking relationship that it meant your legal entity, nor that the bank account must match the XXXX  of the XXXX application. They admit that I applied under the XXXX name with the XXXX XXXX. But because they deposited the funds into my XXXX  account, they now can not or will not seem to correct the situation so that I may receive the second draw or even seek forgiveness for the first draw. The promissory note they prepared and I signed listed only me as an individual as the obligor. Had they listed my XXXX  as the obligor, I would have brought to their attention AT THE TIME, that I did not apply under my XXXX. I have since signed another " replacement '' promissory note provided to me by Bank of America that lists as the borrower my XXXX. They know that the error is solely on their part but refuse to take the steps necessary to correct their error to my substantial financial detriment.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I entered a consumer credit transaction on XX/XX/2020 with Capital One and for the application it asked for my social security card which under 15 USC 1605 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Any meaning no restrictions, that would mean my social security card which was used in this consumer credit transaction. Since this is commerce and the United States is a corporation under 28 USC 3003 and anything purchased using my social security card is Obligation or other security is of the United States under 18 USC 8. It's ambiguous to deceive a consumer into owing an alleged debt, when it was paid for at the start of the transaction, Capital One is just a extension of my Credit extended back to me. Capital One is furnishing deceptive forms, statements, and contracts that comes in a positive balance each month. XXXX positive balance and XXXX negative balance, it's impossible to pay on a positive balance because Capital One was paid at the start of the consumer credit transaction. They need to be held accountable for their actions in this corporation.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-01
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. (CA)

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the ( date of the Previous letter ). Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

This complaint is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 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 2022-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

XXXX XXXX so keeps calling me over and over again after telling them to stop calling. They always insist on me giving them a date to call back but i do not want them to call. They call every single day and sometimes multiple times a day. I DO NOT WANT ANYTHING TO DO WITH THEM. They are annoying and will never get a penny out of me for being so annoying.
Consumer complaint received 2021-03-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

I was not notified that they would not be making a payment after they said they would. They did not forward me the bill they received around XXXX for the tax statement after they notified the tax office and me that they wanted the bill and will pay it. 

I would like a late tax fee reimbursement. My school tax was not paid nor was I notified of the needed payment and it is now delinquent. And I have been assessed an approximate {$150.00} fee. This is one of the main reasons why I left Nationstar/Mr. Cooper. a lack of consistent quality customer service. I would like to be reimbursed this fee since I was not notified of an original statement being sent to you all. And it was not forwarded to me or at least communicated to me. It seems you all didn't even notify the tax company to send the bill to me as well or instead. The first time I heard the bill needs to be paid is the delinquent letter I have now received saying it is late. The below email also said that my next tax payment would be paid in XXXX in XXXX. If not, I should have been notified as I mentioned earlier.
Consumer complaint received 2022-08-01
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)

I have been sending fifteen ( 15 ) dispute letters to the Credit Bureaus requesting that they update the disputed accounts reporting on my Credit file andyet they have done nothing! 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX I am appalled by the ability of the Credit Bureaus to do nothing despite all the previous letters I have been sending to them! This account was never late and should have never been reported as late! I have been keeping my own payment record and upon reviewing the information the Credit Bureaus have also been reporting, I came to a conclusion that the Bureaus are not keeping accurate information. I need the Credit Bureaus to correct this accounts information and update the late payments from this account! 
XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX This account has been paid and yet it continues reporting as late despite the status reflecting as paid and the balance as XXXX  How can a consumer accrue late payments if the account has already been paid? I previously requested that the Creit Bureaus provide me proof of the payment history and last payment and yet they sent me nothing! Its either the Credit Bureaus update and correct this account or they remove this erroneous account completely from my Credit Report!
Consumer complaint received 2022-08-01
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 am appalled by the ability of the Credit Bureaus to pay no mind at a consumer 's requests despite 15 dispute letters written to request the removal of the disputed fraudulent information from my Credit report. I have read the Credit Buirueas are bound to comply with the FCRA section 605b and verify the authenticity of the disputed accounts per consumer 's requests. But in my case, The Credit Bureaus have done nothing! Neither they respondead to my letter nor completely removed the disputed items from my Credit report! I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. If the Credit Bureaus still indicate the disputed items on my Crediet report for the next update, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXB XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}