davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (IL)

After carefully reviewing my credit report, I found several violations of the Fair Credit Reporting Act. 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments are considered to be a transaction. 15 U.S. Code 1666b - Timing of payments section ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) 1 ( b ) Opt out the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given the option to opt out of having late payments post to my report. I currently show late payments of the following accounts : 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 I have made serval attempts to try to get this matter resolved. Further violation of my rights will result in legal actions. I also have a right to privacy.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I received a charge on XX/XX/XXXX on an account that had been closed in XXXX of XXXX for the amount of {$26.00} for a purchase made out of state. I had previously spoken with FNBO and was told that the fraudulent charges would be removed. When I questioned how this happened, I was told that it is company policy to issue a new card in a cardholder 's name when an account has been closed. Without the cardholder 's knowledge. Now the charges still exist, and they expect XXXX  to pay them.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I have written 3 times to XXXX XXXX, XXXX XXXX XXXX, XXXX TX XXXX in response to their written efforts to collect a debt of {$96.00}. 

They address their letters to my late husband XXXX XXXX. The account number they use is XXXX. He passed on XX/XX/XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX 

I contacted XXXX XXXX and spoke with XXXX in their financing dept. 
who confirmed that my husband has no debt with them, in fact has a credit of {$95.00}. 

My first letter to XXXX XXXX was sent by priority mail, my second one by certified, my third one was notarized. Each one addressed the fact that they are mistaken about the debt. 

XXXX XXXX has sent statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then to a debt collection agency that temporarily suspended my case upon further inspection, XXXX XXXX has an answering machine but has never called me back after I left many messages at XXXX XXXX XXXX, It's as if this company no longer exists but by automatically set software to get peoples ' money. I suspect fraud and hope that CFPB can help me with this. Thank you.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reported XX/XX/2022, XX/XX/2022, and XX/XX/2022. I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Resolutions Corp. (SC)

Due to me purchasing a home, I reviewed my credit report. I found many discrepancies. First listed on account was a charged off from XXXX XXXX ( XXXX ) The amount listed was for XXXX dollars because it was charged off. I was never informed that the account was sold to XXXX Resolutions XXXX. For the amount of {$2300.00} I received a phone call with this information and advised that all collection efforts needs to cease and to provide the following documentation ( disputed account ) : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined? 
To date I have not received any of the requested documents. 
Absolute Resolution failed to notify me that the debt was brought and allow me time to dispute. Absolute Resolution Failed to send notification via mail to formally dispute account. My rights as a consumer has been violated due to failure to notify and for reporting inaccurate information. 

Also, There is an additional account reporting from XXXXXXXX XXXX XXXX  XXXX XXXX with an amount of {$2300.00}. 

XXXX XXXX, Absolute Resolutions and XXXX XXXX are duplicating allege debt amount and hurting my credit profile. 

This a clear violation of FCRA laws for failing to : -notify every credit reporting agency involved that you dispute the debt -submit corrected information to the credit reporting agency subsequent to investigating your dispute -refrain from continuing to submit information that it knows ( or should know ) is incorrect -conduct an internal investigation of your dispute within 30 days XXXX is double dipping by charging off the account as a loss, selling the alleged debt and reporting an owed balance under a different companys name. 

I also dont recall giving XXXX XXXXXXXX authorization to contact me via email.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Monterey Financial Services LLC (CA)

In accordance with the Fair Credit Reporting Act, the account " Monterey Financial Service account XXXX XXXX has violated my rights as they are reporting on my XXXX XXXX XXXX and XXXX XXXX XXXX 

15 U.S.C. 1681 ( 602 ) ( a ) states i have the right to privacy.

15 U.S.C. 1681 ( a ) sec 604 ( a ) sec 2 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-01-17
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TN)

Pay the card in full on XXXX XXXX. Try to use the car on XXXX XXXX and was declined. No balance and no amount due. They are holding a processed payment for 3 weeks. Not allowing us to use the card for the business Until they take it off hold three weeks later. This is a major interruption to the business.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

There was a 25 % transfer bonus for points transferred from Chase XXXX XXXX into XXXX XXXX and was scheduled to end on XX/XX/scrub>XX/XX/2023. I attempted several times to make a transfer on that date before the promo period ended and kept encountered errors with Chase 's system cancelling my transfers upon submission. I called into customer service that night several times ( on a recorded line ) and was told there was a system-wide issue with Chase XXXX XXXX and XXXX XXXX. There were many many people impacted because I was on hold for 3+ hours late in the evening and eventually at the end the representative told me she had added my name on a list of people to receive a follow up tomorrow and that I would be guaranteed resolution with the bonus points even though the bonus was going to end that night. Again, all of this was on a recorded line that I was being promised the 25 % bonus because the issue was due to a system error. All of this has been documented in my chase account as well, as told to me by the reps I of course did not receive any follow-up and when I called back the next day and i requested opening a case with the marketing team for the bonus points since they are the only ones who can manually credit for points issues. I was forced to transfer points without the bonus since my plane ticket was on hold with XXXX XXXX and I had to book the ticket before the price went up, however I was assured a second time that I would receive credit because the error was a system error. 

I received a follow-up letter in the mail related to the case opened and stating my transfer happened outside the promo period and I was not eligible for any bonus points. The only reason my transfer happened outside the promo period was because of Chase system outage and I was promised on multiple occasions the points would be credited. Again, this was all on recorded lines and with heavy heavy documentation notated in my account notes according to all the reps I spoke with I needed XXXX points in total transferred and I had accounted for a 25 % bonus, which means I intended to transfer XXXX points and receive a bonus of XXXX points. Since the transfer errored out I was forced to transfer XXXX points in total and I lost XXXX points supposed to be received as bonus
Consumer complaint received 2024-01-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NJ)

I sent via electronic transfer {$100000.00} to US Bank, XXXX : XXXX on XX/XX/XXXX. US Bank created the XXXX # XXXX on XX/XX/XXXX that would come due on XX/XX/XXXX. On XX/XX/XXXX I contacted US Bank with instructions to redeem the CD plus interest earned. Since I had opened the account with electronic transfer, I requested my funds due to me via the same method. US Bank advised me that they would only send a Bank Check via the postal mail to my home. I checked several times with US Bank as to the whereabouts of the check and they noted that they mailed in on XX/XX/XXXX, some 8 days later! The check finally arrived on XX/XX/XXXX with no additional interest.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (DC)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  DC, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SYNCB/SAM 'S CLUB XXXXXXXX XXXX XXXX XXXX, GA XXXX RE : DISPUTE OF CREDIT INQUIRIES- XXXX XXXX XXXX  Dear XXXX XXXX SYNCB/SAM 'S CLUB & XXXX XXXX This correspondence serves as an official request under Section 1681i of the Fair Credit Reporting Act ( FCRA ), Title 15, U.S. Code, and Section 2701 of the Electronic Communications Privacy Act ( ECPA ) regarding disputes related to credit inquiries made by XXXXXXXX XXXX SYNCB/SAM 'S CLUB & XXXX on XXXX XXXX XXXX XXXX credit report XXXX We would like to bring to your attention multiple hard and soft inquiries. The USC Code that relates to fraudulent inquiries is Title 15, Chapter 95, Subchapter VI, Section, Section 1681s ( c ) of the Fair Credit Reporting Act, which states that a consumer reporting agency shall not furnish information about to any person if the consumer 's file contains any statement that such person has not furnished the information to the consumer 's knowledge and consent. Additionally, the UCC prohibits any person from knowingly and willfully obtaining or using false or misleading information for any fraudulent purpose. So, in summary, we request you to investigate any suspected fraudulent inquiries made on XXXX XXXXXXXX XXXX credit report and take appropriate action against the parties responsible. Also, ensure that all inaccurate and fraudulent information is removed from his credit report and that appropriate steps are taken to prevent such occurrences in the future. Thank you for your prompt attention to this matter. 

List of inquiries that needs to be removed : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX UPDATE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SYNCB/SAM 'S CLUB XX/XX/XXXX PRIVACY LAW OF 1974 States that The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANNER CORPORATION (CA)

I have contacted Banner Bank by phone XXXX times to close my account. The first time was on XX/XX/XXXX in which I as told I could close my account over the phone and a check would be issued. Instead hey issued a check and left it open. They then charged me a service and to administer an account hat should have been closed. I called again on XX/XX/XXXX and told them what happened and demanded that a manager personally contact m via email or phone to verify the account was closed. The bank has done nothing but reverse the device fee charge and left he account open. The reason I wanted to close it by phone is because I told the bank I was moving and the nearest branch was an almost XXXX hour rountrip drive. This is unethical business practice to keep accounts open against their wishes for almost XXXX  months
Consumer complaint received 2024-01-17
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

I am writing to express my dissatisfaction and re-dispute charges on my Apple Card statement, dated XX/XX/XXXX, totaling {$570.00}. These charges are associated with a hotel reservation at XXXX XXXX in XXXX, XXXX, for a three-day room and breakfast from XX/XX/XXXX to XX/XX/XXXX. 

As a cardholder, I understand my right to dispute charges in cases where services paid for were not received. In this specific situation, not only were the hotel services never fulfilled, but the merchant also failed to provide the expected refund despite my efforts to arrange it. 

To provide clarity, my grievances stem from the fact that we did not stay at XXXX XXXX, and we never checked in. Ongoing Construction activities right on front of our balcony significantly deviated from the advertised experience online. The construction activities resulted in excessive noise, dust, and created an eyesore, rendering our room not suitable for 3 days vacation in paradise. The primary reason for selecting XXXX XXXX and the premium paid it was due to the charming balcony with a view, but the disruption was so severe that an immediate departure became necessary, leading us to seek alternative accommodation. 

Despite expressing my concerns to the merchant and attempting to arrange a refund for services not rendered, XXXX XXXX charged my Apple Card on XX/XX/XXXX. This is despite the lack of fulfillment of services, my complaints, and the necessity to relocate due to the unfavorable conditions. We found a room at XXXX XXXX and we charge our card for a total of {$410.00} on XX/XX/XXXX ( XXXX XXXX ) for the same XXXX nights ( XXXX ) and breakfast. 

To support my dispute, I have attached communication from the hotel manager confirming the unsatisfactory conditions of the room, which was advertised online as a perfect stay but was far from it. This communication serves as additional evidence of the discrepancies between the advertised conditions and the actual experience.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

i reviewed my consumer reports and noticed that i had one late payment on the account that i was never late for. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with the maximum accuracy. i have never been late on payments for the account that i have included screenshot inside this complain in on dates of ( mm/yr ) please investigate and provide proof with statement showing that these payments were late. if proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot as attached
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-15
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. (MO)

Experian closed 5 complaints before XXXX and the problem is there all the same issue but to show you this fraudulent company has no idea what there doing they give different absurd explanations for 5 different complaints
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

One of the tradelines in my credit report is reporting the wrong status on TransUnion. 

Reference Number : XXXX Date Filed : Reported on XX/XX/XXXX Classification : Lien Responsibility : Individual Amount : {$1300.00} The CA lien was reported in XXXX. It is currently XX/XX/XXXX, over 6 years since the lien was originally released. 

It should be taken off the TransUnion credit report.