davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-11
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)

I have federal student loans owned by the US Dept of Education and managed by XXXX XXXX. On XX/XX/XXXX, Congress passed the CARES act providing for a temporary forbearance on federally-owned student loans ( the " pandemic pause '' ). As of today, no payments are owed until XX/XX/XXXX -- the date payments resume. 

Although no payments had been owing and due under the CARES Act, I had made some payments on my student loans during the pandemic pause. The CARES Act allowed borrowers to request refunds of any student loan payments during the pandemic pause Pursuant to the CARES act, I requested such refund. Particularly, since President Joe Biden had issued an Executive Order forgiving up to {$10000.00} of federally-owned student loan debt. 

In or around XX/XX/XXXX, XXXX marked me as having been late on 63 payments. However, no payments had been due given the CARES act. My credit score dropped over XXXX points due to falsely reporting of delinquency. Upon discovery, in XX/XX/XXXX, I immediately contacted XXXX and disputed the false reporting of delinquency given the CARES act. XXXX responded that they are marking all such accounts as delinquent as they " wait to see if this thing survives the courts ''. XXXX misunderstands the difference between the CARES Act ( which postponed payments due to the pandemic ) and Joe Biden 's student loan forgiveness program ( which purports to forgive student loan debt ). Even if Joe Biden 's student loan forgiveness were to somehow be struck by the Courts, the CARES Act is an act of Congress that postponed student loan payments. As such, I could not be delinquent on 63 payments that had not been owing and due until XX/XX/XXXX. 

In addition, XXXX 's conduct is contrary to other federal student loan services. My wife 's federal student loans are managed by XXXX XXXX, and XXXX XXXX did not mark her accounts as delinquent ( presumably because XXXX XXXX  understood and complied with the CARES act ). 

I contacted XXXX and requested that the false reporting of delinquency be immediately corrected. XXXX refused. XXXX stated, to the effect, they did not care as they had been ending their contract with the Department of Education as of XX/XX/XXXX. 

Setting aside that no payments were owed, I received no documents from XXXX addressing the alleged delinquency. If I had actually missed payments, I would have expected to recieve a letter regarding the missed payments. I suspect XXXX issued no written correspondence because they know no payments were owing and due, consistent with the CARES Act over the past two years.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WA)

Dear CFPB, I signed up a new credit card American Express XXXX XXXX  on XX/XX/2022 around XXXX XXXX  with American Express credit card with annual fee of {$450.00} dollar and XXXX XXXX XXXX points as sign up bonus showing on their website. I saved the conditional & terms file while i was applying, which clearly shows the {$450.00} fee. However American Express violates it and charged me {$650.00} dollar for the annual fee. 

Attached is saved copy of the credit terms I saved up which had the timestamp on it.
Consumer complaint received 2022-12-11
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. (TX)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights 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 15 U. S.C 1681 section ( A ) States I have the right to privacy 15 U.S.C section 602 ( A ) also States a consumer reporting agency can not furnish a account without my written instruction.

15 U. S. C. 1681 ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following information any other adverse item of information other than records of convictions of crimes which antedates the report.
Consumer complaint received 2022-12-11
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 
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 2022-12-11
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. (NJ)

On XX/XX/2022 a complaint was submitted to the cfpb complaint number : XXXX I requested the description to equifax Because the account XXXX XXXX is reporting innacurate information to all bureaus. This company said they reinvestigated this account as accurate but they failed to provide documentation of the procedures they took to validate this account, I would like cfpb to step in because this credit reporting agency its violating my rights. 

15 USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2024-10-19
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (LA)

I called Synchrony Bank to pay off the balance of my credit card. I paid the amount specified on the day of the call. Although I am participating in 0 % interest promotion, they have been charging interest due to a paper statement charge that I did not request. Interest was charged on the XXXX the last few months but the day after that my credit card was paid, {$2.00} interest was charged on the XXXX. I still have until XXXX XXXX to participate in this promotion but due to the recent problems that I have had with this I requested paper statement charge and subsequent late fees, I have opted to pay the balance ahead of schedule and close my account. It is actins like charging interest after payment that I will no longer apply for another Synchrony card.
Consumer complaint received 2022-12-11
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. (MI)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX XXXX - XXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-11
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: Capio Partners, LLC (IL)

In accordance with the fair credit reporting act Capio Partners Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I have the right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as a late for any purpose
Consumer complaint received 2022-12-11
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. (TX)

Im filed multiple disputes for the XXXX  XXXX account on my XXXX and Experian I showed identity theft report Ive showed police report they have went against fcra XXXX that when I have a police report they had 4 days to block the information they also said it came back verified I asked for proof of the REINVESTIGATION steps they took they never sent it I did it all on the CFPB FOR DOCUMENTATION AND STILL NO PROOF I HAVE AN ATTORNEY AND I WARNING YOU IF IT IS NOT REMOVED I WILL FILE A LAWSUIT AND XXXX THE CREDIT BUREUS FOR KEEPING UNLAWFUL INFORMATION ON MY CREDIT REPORT WTH SUPSTANTIAL PROOF IT S NOT CREDIT I WILL UPLOAD THESE DESCREPENCIES I NOTICED TODAY TO ALSO PROOF THAT YALL ALL ALLOW FALSE INFORMATION TO STAY ON MY CREDIT REPORT as you look at the two photos the monthly payment is incorrect see and yall still continue to not delete this
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (TX)

15 U.S.C. 1681 section A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and protected consumer rights to privacy and confidentiality under 15 USC 1681 I respectfully ask hat these addresses be removed from my credit report history IMMEDIATELY. Inaccurate address reporting as XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX You in advance, XXXX XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This issue is about my bank of America checking account. On XX/XX/year>, I answered a call from the bank and because of bad communication, customer service told me to give them a call back. I called the bank on XX/XX/year> on the same number XXXX. The first representative said that he is from the fraud department. He asked me if I'm calling regarding my credit card and I said no that I don't have any issue, that I was asked to call about issue with my checking. He said there is no problem with my checking acct and said he will transfer to the online banking. I held for a moment and was transferred to a woman. I was asked a lot of questions by that woman who I didn't even know the name. I tried to log to my bank because of how long the conversation was, over an hour, but couldn't log in either. I was interrogated and answered her questions. I don't even know what the issue was and when I asked why I can log in, she said that I have to go to the branch with 2 form of ID. I don't know why I have to go to the branch for something that could be done online to save time. I don't know when I would have the time of the day to go to the branch. It's so annoying that you spent so much time on the phone, nothing is done to help and I can't pay my credit card that I have with XXXX and XXXX.
Consumer complaint received 2022-12-11
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)

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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : # XXXX, 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 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX Reason : [ NEED LATE PAYMENT REMOVED ASAP FORGIVENESS ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXXXXXX XXXX
Consumer complaint received 2022-12-10
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. (IL)

XXXX has reported my account 90 days delinquent although there is a current payment pause that is supposed to be in effect for all student loans at this time per the XXXX XXXX.
Consumer complaint received 2023-02-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (TX)

Kia Motor Finance officially changed to Hyundai capital has damaged my credit for two years, once I voluntarily surrendered my vehicle due to my partners terminal illness and the company not willing to work with me. I voluntarily surrendered the vehicle ( vin # XXXX ) XXXX Kia XXXX back on XXXX KMF continued to charge me until XXXX of XXXX they held the vehicle at their facilities from XXXX XXXX until they auctioned the vehicle, they have contacted me numerous times even filing against my credit and attempted to collect via debt collector only to finally dismiss the claim and remove it from my credit as of XXXX. KMF has been bought out by Hyundai Capital and Hyundai capital has been the one prolonging the rectification of this issue.
Consumer complaint received 2022-12-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CUSTOMERS BANCORP, INC (FL)

On XX/XX/XXXX, I applied to open a savings account online at Customers Bank. When the application was submitted a notice popped up telling me that I did not qualify for an account at said bank. I called the bank customer service department and they confirmed that my application was declined but were unable to provide information over the telephone. 

The customer service rep informed me that an email would be sent to my email of record which was verified by the customer service rep explaining the reason my application was rejected. At no time was any such email was ever sent. This is the second time in two years that I have tried to open an account with said bank and they have declined my application each time without explaining the reason why or who they used for their verification source or ever sending an email or letter. Customers Bank has committed a F.C.R.A. violation by refusing to notify the customer as to the reason they declined the account application.
Consumer complaint received 2023-02-17
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. (FL)

I reviewed my Equifax credit report and noticed that I had 5 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX XXXX Account number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. 

Thanks
Consumer complaint received 2022-12-11
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: JPMORGAN CHASE & CO. (UT)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
Consumer complaint received 2023-02-17
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. (MI)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$40.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX. GA XXXX DOB : XX/XX/XXXX SSN : XXXX Acct # XXXX This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor. 

This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in XXXX XXXX XXXX XXXX XXXX. XXXX. 

Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your companys policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm. 

I am keeping a careful record of all correspondenceor lack thereofmade via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX XXXX XXXX