davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NY)

In early XXXX, US Bank instructed me to pay the taxes on my property to ensure I did not pay the taxes late and incur a late fee with Washington DC. While on the phone with US Bank ( on a recorded line ) I made the payment directly to the city. The representative on the phone from US Bank assured me on numerous occasions that US Bank would not send a duplicate payment to Washington XXXX DC and assured me that US Bank would cancel any pending payments to Washington DC. 

US Bank sent a duplicate payment on my behalf for {$2000.00} to Washington DC out of my escrow account. US Bank assured the payment would be returned to my account by XX/XX/XXXX -- 3 weeks after the US Bank servicing error. On XX/XX/XXXX they are now telling me they are unsure when the payment will be returned. 

I have since closed the loan and US Bank has not returned the money to me or my escrow account. US Bank has a servicing error that has resulted in significant financial harm to me as I am owed over {$2000.00}. US Bank has acknowledged their error, but has not provided a timely resolution.
Consumer complaint received 2023-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

I sent a message to EdFinancial on XX/XX/. I did not receive a message back nor any confirmation that my message had in fact been received. I tried calling on XX/XX/XXXX, but the wait time was over five hours. I requested a call back, but did not receive one after 24 hours. I submitted my application, but received no confirmation that it has been uploaded or that the company had received it. Their website is unclear on how to submit this, making the process for loan forgiveness unnecessarily difficult. I am unable to get answers as to how I can have my application processed.
Consumer complaint received 2022-10-04
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. (GA)

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Consumer complaint received 2022-10-04
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. (GA)

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 ) ( XXXX ) 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 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/23 i sent transunion a dispute in regards to a charge off reporting to my credit that are not valid. Please have transunion process my request as it has been passed 30 days and have yet to get any repsonse to this matter.
Consumer complaint received 2022-10-04
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. (NV)

Hello, my name is XXXX XXXX, and 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-10
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)

XXXX XXXX account number XXXX XXXX XXXX XXXX credit reporting on the credit reporting bureas , XXXX XXXX XXXX and Equifax are showing a late payment for XX/XX/2023 and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. I spoke with XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

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 2024-01-29
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX I purchased tickets to go see XXXX XXXX perform. The event took place on XX/XX/XXXX the following year. Per the terms and conditions the ticket included a meet and greet, VIP access and a picture with XXXX XXXX. Additionally, the ticket included special merchandise that the VIP ticket included. Per the terms and conditions, we arrived on time to the event however, the event staff stated that we were not able to take a picture with XXXX XXXX and we were not able to collect the VIP merchandise. I called numerous times and followed up with XXXX XXXX however they refused to assist me and investigate. My credit card company also stated that the terms and conditions were and stated that I was in the wrong. I am really upset I had to put this much money down and not get what I paid for. I purchased 3 other XXXX XXXX tickets and didnt have any other issues.
Consumer complaint received 2024-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

CareCredit, the health and dental care credit card carrier, deleted my account without my knowledge and without notifying me of the action. My wife needs dental care in the immediate future. I had an account for years. When I discovered the account had been deleted I spent the entire morning of XX/XX/2022 online and with customer service representatives trying to get my account reinstated. The obstacles to be overcome in this process were insurmountable, including the application website informing me it was down after an extensive process of form completion. When I finally completed a form and submitted it, I was subjected to an identify verification process using a company app that refused to accept the video and photos of my id that it solicited. By the time I had taken multiple photos, submitted them, and had them all rejected, my application session had expired, requiring me to start the whole process over. When I contacted customer service I was told that my application had been denied because of the failed verification process, which I maintain was not my failure to follow proper procedure, but the result of their faulty app, the crash of their website, and failure of the website to permit me to complete the process before timing out. I just checked my credit score and it is XXXX. This company is wasting consumers ' time and causing multiple submittals of sensitive information, including social security numbers, without delivering on the advertised and expected result.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Consumer complaint received 2023-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (WI)

I been waiting to hear from Apple/Goldman Sachs in regards to my settlement. The settlement was supposed to be half of my credit card balance. I never heard back from the company on what the balance would be and they continue to charge me balance interest. I am trying to figure out what is the plan
Consumer complaint received 2022-10-04
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: Thaxton Investment Corporation (GA)

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (CA)

i was never given a copy of my contract, there is only XXXX party with a wet ink signature, they initially had the wrong name of XXXX XXXX and not me XXXX XXXX, they have my mom on the account as the owner of the loan and they have me listed as an employee of their company. they also told me a down payment was necessary for me to drive the car off the lot when i know for a fact that it was a consumer credit transaction that included a finance charge which means no cash is required because cash and credit do not mix. they never informed me of the right to rescind my contract and i was never given the full disclosure so i entered into this contract unknowingly which is illegal.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

The list of inquirY in my report was inaccurate. I emailed it to credit bureau, requesting that investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inquiry listed below. XXXX XX/XX/2021
Consumer complaint received 2022-10-03
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. (MO)

It has been a long time since I started disputing my Credit File in hopes of having the fraudulent items be completely removed from my Credit File, however, the Credit Bureaus have done nothing despite the consecutive, multiple disputes I have been submitting. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to send me copies of proof of verification and or copies of proof of ownership or any documents bearing my signature but up until now, the Credit Reporting Agencies have never sent me anything related to my dispute. I am now submitting this CFPB Complaint requesting to the Credit Bureaus that they remove the disputed accounts and information that resulted due to identity theft. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022. Also, the Credit Bureaus have been claiming that the disputed items belong to me without sending me copies of documents that I have been seeking. This action of the Credit Bureaus is a clear violated of a consumer 's rights in under the Fair Credit Reporting Act. I have informed my legal aides regarding this matter and they are willing to help me deliver this case to a federal court. If it is not too much to ask, please remove the disputed items as soon as possible.
Consumer complaint received 2021-11-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX Balance : {$1400.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I opened a new CD account no. XXXX. The account opening page asked if I wanted to fund the new CD through existing external account or add a new one. I chose to add a new XXXXXXXX XXXX account and completed the CD opening and funding process. A few days later I received notification that the transfer failed. I logged into Synchrony and again initiated a funding through the XXXX XXXX  account. As of today, Synchrony is showing the following : XX/XX/2022 Pending Transfer from XXXX XXXX XXXXXXXX XXXX {$500000.00} ( Expected ) Today, I also received a note that my XXXXXXXX XXXX account ending in XXXX is overdrawn. This account is among the accounts that is linked to my other Synchrony CDs. I also received notification from Synchrony that funding from my account ending in XXXX was rejected. My XXXX  account is showing 2 attempts by Synchrony to draw from it and 2 insufficient charge fees ( each {$36.00} ) because the XXXX XXXX account is unfunded. I attempted to speak with a Synchrony call center representative about this but her response was that since I opened a CD on line, she can't see why Synchrony would be trying to draw from the XXXX XXXXXXXX account and she can't help me. I attempted to impress upon her that this has to be some sort of an algorithm glitch but she wasn't absorbing the information. I disconnected the conversation because clearly, she wasn't understanding that Synchrony 's attempt to draw from the wrong account is causing me damages in the form of insufficient charges from XXXXXXXX XXXX 

I ask that Synchrony seize attempting to draw any funds from the XXXX XXXX account and refund me {$72.00} of NSF fees.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

For the last 4 months i have been disputing a collection on my consumer report XXXX XXXX  they repeatedly say it is under investigation an investigation only take 30 days or they must remove the debt by law. I have sent them multiple letters showing proof that the collector said they removed the debt. They will remove and put the collection back on my report days later. I do not owe them the debt. pursuant to 15 usc 1681i ( a ) ( 5 ) ( B ) any information deleted from a consumer report may not be reinserted back on to the report and in a previous CFPB report case number XXXX they said they deleted the collections i have call and ask them to remove the collection from my report and they refuse to remove the account this makes them civilly liable after i have already show the proof that i do not owe the debt and they said they deleted it. I will not wait 30 more days for a false investigation that i have already showed that the debt was not mines and that they already broke multiple violations remove the account immediately. this derogatory is harming me from using my credit it not suppose to be on my consumer report. It is not accurate or fair to me pursuant to 15 usc 1681 ( b ) this inaccurate information is making think about litigation for the stress they have caused me. This is not an error
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

There are addresses listed on my credit reports that I have never lived at or may belong to a family member : XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXXXXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXXXXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

My son turned XXXX in XX/XX/2021. He had a XXXX checking account on which I, his father, was responsible individual. It was not an active account but had collected hundreds of dollars of funds that were birthday & holiday gifts over the years from relatives. Upon turning XXXX, his account matriculated into some kind of higher-end Citibank " Priority '' checking account with a ( whopping ) $ 25 monthly service fee. It looks like since his turning XXXX a year ago he has been charged that fee 13 times ( and one was refunded out of courtesy ). When I log in online I can still see the account as I guess I'm still an authorized signer on the account. 

I don't believe Citi has a good process to right-fit customers that become adults in this situation. A {$25.00} fee amounting to hundreds of dollars charged in the last year is unconscionable.
Consumer complaint received 2022-10-03
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. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there is still an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few account on my report. According to FCRA section 605b, the credit bureau is obliged to block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-03
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. (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. Account name XXXX XXXX XXXX Account number 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 View full complaint