davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

The GA HAF program made a payment to Ameris DMI on XX/XX/XXXX to reinstate my mortgage and give me three months of advanced payments. Ameris DMI processed the payment on XX/XX/XXXX. Ameris has my next payment date set for XX/XX/XXXX. When I log into my account online the next payment date and amount appears to be correct but I don't have the option to make a payment. Also I don't see all statements from XXXX to XXXX it looks like they have been deleted some statements from my account. I called and emailed Ameris DMI about the not being able to make a payment online. Over the phone I was told that my account is still in loss mitigation even after they processed payment to reinstate the mortgage on XX/XX/XXXX. On previous phone conversation they told me after reinstatement payment I would be released from loss mitigation and my account would return to normal. Via email I was told there is no problem with my account and to send a screen shot of the issue. I sent the reply email with screen shot but I did not get a reply back. My payment is approaching and I am tired of having all these account issues with Ameris DMI. My Account is paid current and should be in a normal state I should be able to make payments online. Please see Attached documents for proof.
Consumer complaint received 2023-06-20
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. (NJ)

There is a collection account on my credit report which is I am not responsible for. Which is XXXX XXXX XXXX on my credit report which has ben unlawfully put on my credit report. I do owe this company at all .This debt is not mine and I am not responsible for it.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (FL)

This account was paid by the insurance protection I had purchased due to layoff from XXXX XXXX. The amount is incorrect, the date opened is incorrect, everything is incorrect on the credit report. It still shows that I owe this debt. I have been back and forth for XXXX years with the company and the collections.
Consumer complaint received 2024-10-14
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. (FL)

I am filing this complaint regarding my XXXX XXXX  account with XXXXXXXX XXXX XXXXXXXX due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my XXXX XXXX account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but XXXXXXXX XXXX XXXX has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : XXXXXXXX XXXX XXXXXXXX has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but XXXXXXXX XXXX XXXXXXXX failed to notify me. 

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with XXXXXXXX XXXX XXXX. The re-reporting of false information has severely damaged my credit standing.
Consumer complaint received 2023-06-20
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. (PA)

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. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 2024-10-11
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: Experian Information Solutions Inc. (MA)

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 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are wrongly reported as late.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I am deeply dissatisfied with my experience at Truist Bank. Despite having an account with them, I never received a card to access my account, and they charged me fees which were later waived. 

On XX/XX/2023, at XXXXXXXX XXXX, I visited the branch to deposit a check in the amount of {$340.00} to my account. The bank teller deposited the check without informing me that there would be a 10-business day hold on the funds, preventing me from accessing any of my money. 

To exacerbate matters, the branch manager has been unresponsive and provided me with misleading information. The bank 's policy, which was supposed to be explained by the teller and highlighted on the receipt, was not adequately communicated. 

Moreover, Truist Bank is currently unwilling to release any portion of the funds or allow me to stop payment or return the check. This has placed me in a difficult financial situation, and their lack of cooperation and unavailability since the incident is deeply concerning. 

Bank location XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Deposited my paycheck and had a 10 day hold placed on the check on XX/XX/23. I deposited a check for my pay from the same company on XX/XX/23 and had the same hold placed. Also had several direct deposited from my job. They will not take the hold off of my check causing me to be delinquent on various obligations.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CT)

My older brother passed away on XX/XX/XXXX. I got around to closing his Citi Dividend Card in XXXX of XXXX. I closed the card using the phone number on the card. The Citi representative said I would have to send a copy of the death certificate and a letter asking them to send me the Dividend Dollars ( {$31.00} ) left on the closed account. She gave me a XXXX XXXX address to do so. A few weeks after sending the information off to Citi, I received a letter stating that they were unable to process a redemption of the {$31.00} because it was less than XXXX dollars and was below the minimum amount required to redeem the dividend dollars. 

I was incensed and called their number on the letter. They refused to budge. I am thus register a complaint against them for being unreasonable and callous to my brother who passed on XXXX day of XXXX. If you could help me with this, I would be grateful for your doing so. 

XXXX XXXX ... ... ... ... XXXX
Consumer complaint received 2024-10-15
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. (MI)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Failure of Experian, XXXX, and XXXX to block information under XXXX5 U.S.C. 1681c-2 ( a ) I am writing to bring to your urgent attention, a matter concerning the NON-COMPLIANCE of Experian, XXXX, and XXXX with XXXXhe provisions set forth in 15 U.S.C. 1681c-2 ( a ), which mandates the blocking of information upon notification within four ( 4 ) business days. 

Regarding the following ID Complaint Numbers, as stated in my earlier email to the Consumer Financial Protection Bureau on XX/XX/year> ID-Complaint Number : XXXX ID-Complaint Number : XXXX ID-Complaint Number : XXXX I notified the aforementioned credit reporting agencies of erroneous information that requires blocking under the aforementioned statute. Despite this notification, the agencies have failed to adhere to the statutory timeline and have not blocked the disputed information. 

I thus ask the Consumer Financial Protection Bureau to step in right away to guarantee that my rights under the Fair Credit Reporting Act are upheld since Experian, XXXX, and XXXX have seriously damaged my finances and reputation by failing to comply with federal law. 

I kindly request prompt action by the Consumer Financial Protection Bureau to investigate this matter thoroughly and to enforce compliance with 15 U.S.C. 1681c-2 ( a ) by Experian, XXXX, and XXXX. 

My Next action is Legal Ramification against the CFPB as well as all the Credit Reporting Agencies that continues to violate my Consumer protection Rights. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (MD)

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 2024-10-14
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. (NV)

Below is the letter i sent to the company and the reporting third party companies XXXX and Experian, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as XXXX, and Experian. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I discovered four unauthorized hard inquiries on my XXXX credit report XXXX Capital One Bank USA, which led me to believe I was a victim of identity theft. None of those hard inquiries had resulted in opening any new accounts luckily. I promptly filed a dispute with XXXX to have these inquiries removed from my report. Unfortunately, XXXX mistakenly flagged XXXX of my legitimate Capital One credit card accounts ( XXXX ending in XXXX and XXXX ending in XXXX ) as fraudulent accounts and subsequently reported them as such. As a result of this error, Capital One closed both of my credit card accounts, which I have held in good standing since XXXX & XXXX respectively.I immediately contacted both Capital One and XXXX both via phone and in writing to resolve this issue, as it was a clear mistake and has negatively impacted my financial standing and credit score. Despite my efforts to explain the situation to both companies and provide them with documentation proving that these accounts are legitimate, neither XXXX nor Capital One has resolved the issue. XXXX continues to list the accounts as fraudulent, and Capital One refuses to reinstate my accounts, citing the credit report from XXXX. This error has caused me significant inconvenience, financial strain, and potential harm to my creditworthiness. The decision to close those two accounts by Capital One effectively removed {$42000.00} of my total revolving available credit limit ( Almost 40 % of of my total available limit ), which had very negative consequences on my credit score and history. I am seeking assistance in correcting this mistake, reinstating my Capital One accounts, and ensuring my credit report accurately reflects the legitimacy of these accounts. I've attached the 2 letters that I sent in writing to both Capital One and XXXX below.
Consumer complaint received 2024-10-14
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (CA)

My issue is that I continue to get billed for interest charges on an account that has been closed since XXXX 2016. This account was opened for an order that was cancelled. Upon cancelling the order, I 'm not sure why the charge for the XXXX membership remained but once I became aware of it, I paid it including the late fee it assessed for a total of {$21.00}. 

I spoke with your customer service team in XXXX and was told that upon paying the {$21.00}, my bill would be settled but it 's not as the interest charges continue to accrue. When I call XXXX, they tell me I need to deal with Comenity Bank and when I 've called your customer service, they can not understand why the charges have accrued and tell me to call XXXX. 
I 've sent certified letters to Comenity and also contacted XXXX via email but have not received a response and the interest keeps accruing on my account without being able to speak with someone that can resolve it.
Consumer complaint received 2016-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (CA)

I work as a XXXX. I disclosed to 'cash call ' that the phone number being called was a XXXX phone number. I confirmed the person they are calling for does work for this department. I am aware other XXXX have made similar requests. I requested XXXX ' delete the number from the system as it was being made illegally. 

XXXX was XXXX that 'the call was illegal '. I called back and followed up with XXXX 's supervisor, " XXXX XXXX '' whom informed me she would listen to the phone call and talk to XXXX '. I requested no more phone calls be made to the number listed as it is a XXXX number.
Consumer complaint received 2017-09-06
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: AES/PHEAA (TX)

I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.
Consumer complaint received 2023-06-20
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. (GA)

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the accounts and the amounts also the addresses. 

XXXX XXXX  XXXX Opened XX/XX/XXXX and amount {$1400.00} Addresses : XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
Consumer complaint received 2024-10-10
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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-10
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. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.