davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (FL)

After hurricane Ian in Florida, I have been offered help from Loan Depot Mortgage Company, stated that due to hurricane you can request help up to 3 months forbearance by phone call. After the three months they supposed to do evaluation and may add 3 months forbearance at the end of the mortgage term. And they requested from me to make sure I start making my payments after forbearance terms finished. As we got agreed that after the forbearance period, which was for XXXX, XXXX and XX/XX/2023. I did my payments on XXXX XXXX as we agreed. After I started receiving letters and calls saying that I am behind for my payments many times. I told them exactly what we were agreed to ; Loan Depot may put all forbearance period by the end of the mortgage terms, but before that they need to make an evaluation about my financial situation ; and as we got agreed that I started making my payments. Before they do any evaluation for my economic situation suddenly, I received an alert from credit agencies that Loan Depot reported as missing payment without mentioning about disaster forbearance and did dramatic damage on my credit report unethically. I sent them an e mail and wrote them this treatment is very unacceptable for hurricane victims. They are not following the terms that they mentioned after hurricane IAN. Never got any response from them.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA Response to CFPB XX/XX/XXXX. XXXX XXXX CONFIRMED Total Purchases XX/XX/XXXX {$810.00} Total Merchants Credits {$340.00}. USAA HELD ME LIABLE FOR THE {$470.00} WHY? WHY? see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XXXX XXXX, XXXX {$470.00} ALL UNAUTHORIZED TRANSACTIONS. USAA has NEVER PROVIDED PERMANET FRAUD CREDITS. When I asked usaa where are these permanet credits. See attatched XX/XX/XXXX REVIEW OF YOUR CLAIM USAA CONFIRMS (?? NO FRAUDULENT ACTIVITY??? )
Consumer complaint received 2023-08-13
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. (NC)

This is not a dispute made in error nor is a third party credit repair working on my report. I am working on repairing my own credit report. Please honor my request and stop sending me letters stating that my disputes and concerns are made in error! I was looking at my credit report and noticed that there are multiple inaccuracies and violations of the fcra on my credit report. I did not give any person or representative of any reporting agencies my consent to have, obtain, and or use my non public personal information. According to the fcra and one that want to furnish any information on my consumer report I need my written consent which they do not have. I have a right to privacy and that has been violated as well. I did not sign any contracts with the reporting agencies nor did i do business with the companies that are reporting the alleged debts. The items that are being reported are fraud and can not be proven to be truthful by demonstration The below accounts are inquiries are being reporting fraudulently and accurately. 
XXXX XXXXXXXX Account # XXXX
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (KY)

Chargeback with XXXX XXXX : Reference to Case Number : XXXX & Case Number : XXXX with Goldman Sachs Apple Card XX/XX/XXXX XXXX XXXX Eastern Time : Airline ticket purchased from XXXX XXXX. Listed as being able to be cancelled on their website. Purchase of {$250.00} On XX/XX/XXXX XXXX XXXX  Eastern Time ( via email ) : After refusing to cancel and refund the purchase the merchant offered me a credit for future use. They charged me {$45.00} to do so leaving {$210.00} as a credit with the merchant. I accepted and informed them I would reach out for help with Apple Card support as their website showed I would be eligible for a refund and they did not honor it. Dispute opened with credit card issuer. 

On XX/XX/XXXX at XXXX XXXX  Eastern Time : Never heard back from Goldman Sachs Apple Card on dispute so I attempted to use previously offered credit and could not do so as the website didnt acknowledge it on my account. I reached out to XXXX XXXX customer support via Text Message support and corresponded with a representative named XXXX. He informed me there was no credit and there was nothing further he could assist me with. I have now received NO refund and NO credit. 

XX/XX/XXXX XXXX XXXX  Eastern. Received email dispute had been denied. Called Goldman Sachs at XXXX and spoke with XXXX regarding my reversed chargeback. She found my email response from XX/XX/XXXX but did not see the attached PDF file. She reopened the dispute and informed me to reply back with images when requested again. Evidence submitted has been mishandled by credit card issuer and not attached. 

XX/XX/XXXX XXXX XXXX  Eastern : Received email dispute has been denied. Called Goldman Sachs at XXXX and spoke with an agent asking how to escalate this matter. She was able to put me on hold to escalate to a supervisor. XXXX, answered and verified my identity. I explained the issue and she offered to escalate it for review. She indicated there was no case or ticket number for this action as it is " internal ''. She also indicated there is no service level established for when I should hear back on this. I requested at this time a copy of the evidence used in determination.
Consumer complaint received 2023-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD FROM XXXX FOR XXXX. AFTER SEVERAL ATTEMPTS OF DISPUTING THESE CHARGES. I BELIEVE NO INVESTIGATION WAS COMPLETED. I REQUEST A COPY OF THE APPLICATION AND BECAUSE IT WAS COMPLETED BY SOMEONE ONELINE THEY WERE NOT ABLE TO FORWARD MY REQUEST.I HAVE EXPLAINED NUMEROUS TIMES THAT I AM A VICTIM OF IDENTY THIEF. I HAVE WRITTEN IN DISPUTES, I HAVE HIRE A XXXX XXXX AGENCY, I HAVE PLACE ALERTS AND LOCKS, I HAVE PRODUCED POLICE REPORTS AND AFTER ALL THESE YEARS IT IS STILL LISTED ON MY ALL 3 CREDIT BUREAUS XXXX XXXX AND TRANSUNION. I HAVE ALSO EXPERIENCED CREDIT BREACHES FROM XXXX AND TRANSUNION AND TO NO PREVAIL.
Consumer complaint received 2023-08-14
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. (CA)

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 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, XXXX student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till my father, who is a co-signer to this loan applied for a loan and got reject. Upon reviewing my credit report I noticed a write off from XXXX student loans. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has drastically reduced my credit score and destroyed the score of my father who had worked so hard to build it. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from my credit report.
Consumer complaint received 2023-06-15
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. (TX)

I'm following up on a complaint I submitted against company for innacuratley reporting my account late I received response and it is contradicting from the response company stated my first date of " delinquency " was on XX/XX/XXXX but payment shows marked on time from companies response letter on the screenshot of my report there is late payments marked late from XX/XX/XXXX all the way to XXXX XXXX shows marked on time for XXXX, XXXX and XXXX how is that possible. I'm asking that this tradeline be removed from my credit report for failure to accurately report and going against my consumer rights.
Consumer complaint received 2023-08-14
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. (NY)

XXXX and EXPERIAN is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations
prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2023, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, the only thing I have received from XX/XX/2023 is a letter stating that it doesn't appear to have been sent from me. After receiving that letter, I sent another dispute on XX/XX/2023 identifying myself and addressing the fact that I received the letter from you all. I pulled my report again and my account has not been updated to reflect the changes and ensure that the reporting is 100 % accurate. The following accounts are inaccurately reporting on my consumer report and are also in violation of 15 USC 1681i ( c ). XXXX Account Number : XXXX and XXXX XXXXXXXX XXXX Account Number : XXXX I demand that these accounts be deleted from my profile due to inaccurate reporting. 
These errors have damaged my credit score and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 or 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. 
XXXXXXXX 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 TRANSUNION 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 TRANSUNION 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
Consumer complaint received 2023-08-14
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. (NY)

I have a dismissed bankruptcy on my credit report that has inaccurate information. I have requested that the credit bureau investigate this and provide an update. They reply that they have investigated, and that information is accurate which it is not. I sent a request to the bankruptcy court asking how the credit agencies investigate disputes with the court. The court provided me a letter stating that they do not confirm or provide information to the credit reporting companies. How are the credit agencies verifying information if the source of the information is not providing updates to them. I have attached a letter from the bankruptcy court stating their position on credit agency investigations.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

In XXXX, I purchased XXXX XXXX XXXX and covered that property with a homeowners insurance policy administered by USAA. The home was sold in XXXX, XXXX and USAA was informed. Unbeknownst to me, USAA maintained coverage on that property and charged me monthly premiums. I did not discover that they were double billing me for property insurance until XX/XX/XXXX. So, I immediately called to confirm and cancel the insurance. They verified sale of the home and stated that I would receive a refund for all payments ( without interest ) within 30 days. I called on XX/XX/XXXX to check on the status of my refund. The call taker stated that my backdating was under review and again stated that the process could take up to 30 days. I did ask for confirmation about how much was due and she stated that she was unable to confirm the amount. On XX/XX/XXXX, I still had not received payment. So, I called at XXXX to check the status since the delay was now beyond the promised 30 days. This caller stated that XXXX ) the XXXX refund had been applied to my other insurance products without my consent because the DOI requires this, and XXXX ) despite requiring remission to other policies, she could have that rescinded upon my request. This makes no sense because I, as a consumer, have no authority to contravene a supposed law, should one actually exist. Furthermore, she stated that once the XXXX and XXXX policy years had been approved ( which they still had not, beyond their 30 day deadline ) she could have paper checks issued in XXXX billing cycles. USAA has been digital for nearly XXXX decades and I have several bank accounts with them. USAA has been fraudulently and deceptively holding my funds without disclosing the full due amount and without a clear process for returning my interest free loan.
Consumer complaint received 2023-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital one 360 performance checking XXXX Irs check : XXXX My account was frozen due to a certified IRS check and now they are closing mine and my fiance account without a good reason why and will not let me know what is going to happen to the XXXX XXXX dollars that is in my account I've called capital one they've been quite rude and secretive. I've even called the IRS to make sure they didn't send a bad check or anything and they said it was fine shouldn't have any problems The checks in my fiances name which his name is on my account and we cashed it in person spent half of it on our home remodel went to pay a bill and they had frozen my account you would think they would take action before i spent some of it. His direct deposits from work come thru there also. 

It's not like I'm not sending them proof I have sent them his whole tax return from his XXXX. I have sent where the IRS edited my return. Literally sent them everything they need to finish this investigation. 


The investigator has yet to call me, as he had any reason to freeze my account in the first place. I have a XXXX year old and a XXXX year old and I'm having to move in with my parents not because I don't have money but because my bank is HARBORING my money.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I used my SYNCHRONY XXXX XXXX XXXX to pay for the flooring work. When I began the project, the bank assured me that there would be no interest for 18 months, which I have in writing. However, after 12 months, I noticed that my balance had increased by an extra {$3000.00} for interest when I check on XX/XX/2023. I contacted the bank and learned that the interest-free period was only for XXXX months, and there was a mistake in my timing. 

I expressed my concern that this was unfair, but it took nearly a whole month of discussions with their supervisors to reach a conclusion. Unfortunately, there was no resolution offered except for the option to contact the flooring company, Floor and More. They informed me that they could extend my promotional date, but it would cost me {$1500.00} for them to do so. This payment was necessary for SYNCHRONY XXXX to extend the promotion on their end. 

I genuinely believe that the bank 's actions were misleading, and I feel like I was taken advantage of. It's important to note that throughout this process, both the supervisors and employees I spoke with were very impolite and unhelpful in their interactions with me.
Consumer complaint received 2023-08-14
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: Experian Information Solutions Inc. (TX)

This is a follow up with regards to complaint # XXXX filed with you guys regarding Experian Credit Bureau XXXX 

I reached out to you ( CFPB ) to inform you that Experian is not following protocol put in place by the FTC. It is my understanding that there is a process for disputing and if you look at my initial complaint you can or should be able to clearly see they are not following the process and adhering to the reinvestigation process. I have given it another 15 days but have yet to receive any real documentation on their process of validating so therefore I believe the following items should be removed. If they can not show me the steps taken to validate the inacuries I see then by law this is grounds for removal. After several attempts to remedy these items and XXXX efforts on Experian 's behalf I am confident the time has come to remove the said items. It is not only affecting my credit history negatively but also my livelihood this is when I take it personal!