davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

First Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$29.00} late fee and {$55.00} interest charges Second Instance Requested payment through XXXX online banking XX/XX/XXXX Payments to Amex are 2-day electronic XXXX said went out of my account XX/XX/XXXX at XXXX XXXX ; Transaction ID XXXX XXXX said it was received by Amex on XX/XX/XXXX at XXXX XXXX Amex credited it to my account XX/XX/XXXX ; it was due on XX/XX/XXXX Resulted in a {$40.00} late fee and {$19.00} interest charges I have talked with XXXX and downloaded the Proof of Payments. By the way in XX/XX/XXXX XXXX changed the Delivery Method to 2 business day electronic. Prior to XXXX it was a 1 business day electronic delivery. 
I have talked with American Express. They say the charges are valid and I don't spend enough on the credit card for them to forgive the late fees and interest charges.
Consumer complaint received 2023-08-17
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. (MO)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I had a loan with Truist for a vehicle. The vehicle was totaled on XX/XX/2023. On XX/XX/2023, the insurance ( XXXX ) cleared a payment to Truist for $ XXXX for paying off most of the loan. XX/XX/XXXX was also my monthly payment due date. Due to this payment from XXXX, my monthly payment requirement should have been settled, so I did not pay the XXXX XXXX monthly payment for XXXX ( Nothing on my login showed that this did not count as a payment ). I received a late fee notice dated XX/XX/XXXX in the mail for non-payment. I called Truist immediately upon receiving the notice. They told me the insurance payment of over {$30000.00} did not count as a payment, and I still owed my XXXX payment. They did take off the late fee, but I had to make a payment while on the phone. 

My loan is now paid off due to gap and dealer package refunds, but I am writing this to insure Truist honors payments to an account, no matter who they come from, as they in no way specify these 'insurance payments ' do not count. 

I also want to ensure I get the proper refund for overpayment to my account and get back any interest that may have been improperly accrued.
Consumer complaint received 2023-07-04
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. (MI)

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 2023-08-15
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. (NY)

Hello, hope all is well. 
Please review my compliants. 
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. I told the Equifax to reinvestigate these accounts : Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT XXXX XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

Thanks, XXXX XXXX XXXX.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (GA)

After logging onto MOHELAs app today XX/XX/2023, I was requested to fill out an IDR application. Yesterday, XX/XX/2023 I had filled out an IDR application with the Federal Student Loan website. 

In attempting to fill out this paperwork, MOHELA requested the adjusted gross income of myself and my spouse SEPARATELY. However, as I chose on the form, I file my taxes married jointly with my spouse. This means, as should be obvious from a very common federal form, I only receive a single adjusted gross income for my spouse and myself. There is no way to provide this information, there is no explanation for how it is supposed to be filled out on MOHELAs website. 

When I called MOHELA customer service, it took XXXX minutes of menus to get to a live human being. When I spoke to this customer service representative they suggested that I fraudulently represent that my adjusted gross income and my spouses was the SAME, i.e. that our joint adjusted gross income was jointly double what it actually was. Upon pointing out that this would be inaccurate, I was put on hold for another 20 minutes only to have my call dropped without a call back or explanation of what I am supposed to do. 

After this I tried to send a electronic message to the company. Instead of accepting and sending the message, MOHELAs website erased the message and signed me out. I do not have the time in the day to deal with their incompetence on this level. MOHELA needs to make a site that works and customer service that meets the bare minimum level of competence.
Consumer complaint received 2024-08-07
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. (NC)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

Checked my credit and saw two accounts from capio partners for XXXX XXXX XXXX XXXX in the Amounts {$200.00} and {$250.00}. I never received notice of those debts and theyre HIPAA violations. I didnt sign a medical release for my billing information. Medical billing codes are Just as confidential.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I have credit score of XXXX but still my card application is denied due to the reason : We weren't able to verify your identify. 

Then later the reason is being mentioned that " Too many recent inquiries '' Please refer to the following CFPB complaints : XXXX ( XX/XX/2020 ) XXXX ( XX/XX/2020 ) I called Chase and had around 30 minutes of discussion about the same on XXXX XX/XX/2020. First with XXXX and customer Service ( XXXX, TX ) According to XXXX, within 12 months - 4 credit card accounts are opened by me plus my another chase account ( XXXX ) which was closed by Chase are the two reasons for the closure of my account. 

So essentially, every time Chase has a different reason for denying my credit card applications.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

After checking my full credit score report I noticed that an authorized user credit card account is missing on two of my credit reports it is showing currently added and updated on my XXXX account but is missing from my Experian and XXXX XXXX XXXX. 
This following information below is the credit card account that is missing from reports above : XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance {$9300.00} Credit limit Credit limit {$9300.00} You're using 0 % of your account 's limit OVERVIEW Minimum monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 100 % of payments on time. 
Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} ACCOUNT DETAILS Account status Open Type Credit card Responsibility Authorized User Remarks -- Times XX/XX/XXXX days late XXXX CONTACT INFO XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-16
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. (NC)

XXXX, XXXX And equifax are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, XXXX and Equifax. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I Sent an E payment via My Credit union on XX/XX/XXXX XXXX ( a Fri ) Payment was due XXXX ( Sun ) so I was charged XXXX $ late fee for one day ( ok I guess since they don't process on Sun ( I guess ) so I'll accept that. XXXX pay was received on time yet I was told owed them XXXX $ because they would consider that late as well. I asked to speak to the Supervisor for an explanation of the logic and was hung up on, assuming I was disconnected I called back and was once again disconnected. The Bill is with " Synchronicity Bank '' on XXXX letterhead yet when I called them I was lectured on '' Credit Card Reality and the Real World '' by an assistant to the person I usually deal with. Restating : Why am I being charged XXXX $ for being one day late? charging me for being late on Two payments? I guess they say the XXXX Payment was processed to XXXX as a Late payment then The XXXX payment was considered late and are now charging me for that as well even though I made that Payment.Makes no sense?
Consumer complaint received 2023-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (FL)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, Transunion And XXXX are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to XXXX, TransUnion and XXXX. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!
Consumer complaint received 2023-08-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I am the XXXX  of my late mothers estate and I have been working with the Bank of America estate department to close her savings account and get the proceeds so I can distribute them to the heirs. 

I hired an estate attorney to advise me with the paperwork and mailed it first class certified to the Bank of America Estate Department on XX/XX/2023. The postal service confirmed that the Bank of America received my paperwork on XX/XX/XXXX. 

On XX/XX/2023, I visited a branch of the Bank of America to get help with the lack of a response. The staff person at the branch called the estate department in my presence and was told that they had a response in there files marked do not send. The branch person instructed them to send the correspondence to her digitally and gave it to me. The correspondence from the estate department acknowledged my letter and requested the forms that they had received with the letter on XX/XX/XXXX. 

I resubmitted the forms the estate department requested, taking them to a branch and having the staff there transmit them to the estate department on XX/XX/2023. 

On XX/XX/XXXX I telephoned the estate department to verify that they were processing the matter. They verified that they had the forms and would mail a check. 

On XX/XX/XXXX I telephone the estate department to verify that they had sent the check. They confirmed that they had mailed it and confirmed the address. They asked me to contact them if the check didnt arrive in a few days. 

On XX/XX/XXXX I visited a branch of the Bank of America and worked with staff to research why I had not received the check. The estate department told the branch person that they had not sent the check and would send it via XXXX or XXXX to arrive by XX/XX/XXXX. 

On XX/XX/XXXX I telephoned the estate department to see what happened to the check. The staff at the estate department said they had not sent the check and would send it to arrive in twelve days.

I should note that each time I worked with Bank of America staff on this they confirmed my name and address. 

I have arrived at the conclusion that the Bank of America has no intention of sending the check and I would like to file a complaint against them and request that you compel them to issue and send the check.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank accessed my credit report four times without my authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX My credit file has an active fraud alert and is currently frozen. Access to my credit file requires verbal verification before access to my credit file is granted. I also blocked my credit file from pre-approved promotional offers.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 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.

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 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 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NJ)

Hello CFPB team! 

I was charged {$4.00} of interest on XX/XX/23 on a US Bank credit card bill because I did not pay off the full balance by the time the statement was due ( XX/XX/23 ). I completely accept responsibility for missing the deadline, and understand why the charged the interest. My issue is that their customer service team informed me that they charged interest on the full statement balance ( ~ {$700.00} ) rather than the amount that was unpaid ( ~ {$15.00} ), and they were unable to waive the fee. I don't think this is fair because I only carried over a balance of approximately {$15.00}, and don't understand why I should be charged interest on the portion of the statement that I already paid off.

Please let me know if I've misunderstood the situation, or if there's any additional information needed form my end.

Thanks in advance for your help, XXXX