davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

i have no knowledge of these fraudulent accounts. im a victim of Identity theft. The thief may obtain my information with these data breaches leaks from XXXX, transunion and XXXX.
Consumer complaint received 2017-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I was in the process of a loan modification with  XXXX  in  XXXX  of  2016.  My monthly payment was  XXXX   w  no escrow account. I was approved and told I would receive  XXXX  per year toward the principal for next 5 years if  I  continue payments.  XXXX     2016 M  y m ortgage was sold to  Nationstar  and the modification continued w them. My payment is  XXXX  with an escrow account but the principal and interest payment is  XXXX .  Nationstar says I  'm not eligible for the  XXXX  principle decrease because the total payment did not decrease by 6 %. This is is unfair because they are comparing  XXXX  paymen nt w  no escrow with the new pa yment w a n escrow payment of  XXXX .  XXXX . (  XXXX  vs  XXXX  ). The 6 % decrease in payment is  XXXX  of  XXXX  which totals  XXXX  which is more than 15 % decrease  but Nationstar is  in disagreement with this fact. During the time of this situation I had a housing representative from from   XXXX    who worked fervently to get a definitive answer from   XXXX   XXXX  , they in turned dropped the ball and the rep. had to start the inquiry w them a second time and still no answer.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (MO)

I was in deferment or forbearance for dates it shows late. I'd also like to see the original contract with signature for loans but this was never provided. It shows I owe {$270000.00} for student loans. Therefore I think this is quite reasonable to expect a fee breakdown. Id also requested a copy of letter letting me know loan was was sold and a copy of the actual letter indicating it was sold. Also please show how amount figured. They didnt show proof I was late and not in either deferment or forebearance but credit report didnt fully investigate this.
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

Ive disputed this charge ( {$110.00} from XXXX XXXX XXXX ) through cash app on 4 different occasions and havent each time theyve been denied with no explanation. Ive been asking for the evidence used to make the decision and have been getting a run around. I initially asked for a refund XX/XX/XXXX XXXX months after I placed the order with no update and didnt get a response, so I first disputed the charge XX/XX/XXXX. XX/XX/XXXX I received the letter in the mail from the merchant saying email them for a refund, which I have and still havent gotten a response. XX/XX/XXXX a couple days before the dispute would close I received an email saying it was denied, I have not received the products ordered so I dont see why would it be. Each time I dispute the purchase and reach out to support Im told Id be transferred to a speciality team only to have the dispute denied.
Consumer complaint received 2023-02-26
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)

According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and unresolved.
Consumer complaint received 2023-02-26
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. (MA)

In accordance with the Fair Credit Reporting act ( XXXX # XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 2023-02-26
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. (KS)

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 ( XXXXXXXX XXXX  ) Account name : XXXX XXXX XXXX ( XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hi CFPB team, My complaint is about my business Equifax report. Equifax has been reporting an open balance on several tradelines for the past few months. I always review Equifax report to confirm the balance would change to {$0.00} but this didnt happen.This information that is being reported and reflecting an open balance is incorrect I never leave an open balance with any vendor more then 5-10 business days. Ive also confirmed with all vendor I dont have an open balance. These types of error get a business rejected when applying for funding this has happened to us recently. See attached Equifax report as of XX/XX/XXXX Ive numbered and circled all incorrect open balances I also sent this to Equifax Thank You
Consumer complaint received 2023-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I was scammed on XX/XX/2022 by a fake real estate company that I sent a security deposit to rent an apartment in XXXX, FL. I sent {$2300.00} via XXXX through Santander and then never heard back from the company called XXXX XXXX XXXX XXXX. On that same day I called Santander and was told by the agent that they could already tell they the email address was a fraud. This leads to the obvious issue, if Santander knew that the email account was fraudulent, why did they let the transaction go through? This was clearly fraud and the bank knew it yet did nothing to protect me as a consumer. I find this unacceptable and misleading because bank protected me from Fraud. I have tried to resolve with no success. Please help me resolve with my bank so I can get my hard earned money back.
Consumer complaint received 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of accounts that do not belong to me or were opened without my permission : Public Information XXXX  XXXX Bankruptcy Reference # : XXXX Court XXXX Federal Date Filed/Reported : XX/XX/XXXX Liability : {$0.00} XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$180.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$320.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My bank of America credit card advertised a balance transfer rate of XXXX percent. I use the card for every day purchases as well. There was a clause that said purchases made would accrue interest unless balance was paid off at the end of each month. I called them to ask if this meant the whole balance or just the purchase balance and they told me just the purchases. XXXX XXXX XXXX, I noticed I was accruing interest, I called, they reversed and told me I was given the incorrect information. They also told me because of that they would refund interest going forward but I would have to call in. So a few months after I called in to have the charges reversed again and they refused saying the person hadn't noted it on my account ( even though they said they did ). Even speaking with a supervisor they refused and got belligerent about it. I asked for further review and they said there was nothing more other than filing a " bank complaint '' which they never responded to.
Consumer complaint received 2022-11-10
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)

XXXX, XXXX & Experian are are responsible for the following violations for reporting late payments to the accounts below. 


XXXX XXXX Currently on-time 2 Missed XXXX XXXX XXXX  Currently on-time 1 Missed XXXX XXXXXXXX Currently on-time 1 Missed 1681b - Permissible purpose of consumer reports : ( a ) IN GENERAL Subject to subsection { c } any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my report? Furthermore, The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), The term Consumer report does not include - ( a ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-02-25
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. (VA)

XXXX. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 2. XXXX XXXX Account # XXXX {$1500.00} Wrong Amount 3. XXXX XXXX Account # XXXX {$1000.00} Wrong Amount 4. XXXX XXXX Account # XXXX {$330.00} Wrong Amount 5. XXXX Bank XXXX Account # XXXX {$450.00} Wrong amount 6. Credit XXXX XXXX Account # XXXX {$800.00} XXXX XXXX 7. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed XXXX. XXXX XXXX Bank Account # XXXX Paid and was suppose to be removed 9. 1st AccessXXXX Account # XXXX XXXX. XXXX XXXX  Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account XXXX XXXX {$430.00} Wrong amount XXXX. XXXX Account # XXXX Paid and was suppose to be removed These accounts has violated my rights : 15 U.S.C 1681 Section 602 A - 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c ( a ) ( 5 ) 15 U.S.C 1681s2 ( A ) ( 1 )
Consumer complaint received 2023-07-17
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. (FL)

On XX/XX/2023 i received an email notice that my credit score dropped for experian so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for XXXX minutes they could not find my account so i called experian and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them XXXX ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the real estate industry and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.
Consumer complaint received 2023-02-26
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

XX/XX/ 2022 i found out that Capital One reported a 30 days late payment for the month of XXXX. I lost XXXX XXXX. They correct my credit history back but did not restore my points. In return I was denied of a HELOC Loan i had been approved for because my credit score is to low now
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I entered into a payment plan with Synchronicity Bank for my TJ Max Rewards credit card and set up an initial payment. The payment was not processed until a week later at which point due to a bank issue where a deposit was delayed, the payment did not go through. When I contacted Synchronicity I was told that there was no record of me having made a payment plan. I expressed my concerns over being reported for a 30 day late payment hence my attempt to make payment arrangements and was assured that as long as I made a payment prior to XX/XX/23 I would not be in any danger of my payment being reported as 30 days late to the credit bureaus. While on the phone with the reprsentative I made an online payment of {$110.00}, far more than I was told I would need to for the payment arrangement which seemed to have never occurred according to the representative. Again, my concern was the negative impact a 30 day late payment would have on my credit score. The payment was processed and I took a screenshot just to make sure in case I encountered yet another issue with this bank. I just received a credit alert that my score has decreased and the reason is that this bank reported me as being 30 days late despite my payment just a day prior to the cut off. Every bit of information I have been given by the representatives I spoke with at this bank has been incredibly faulty and misleading. I am now having to deal with a late payment that I made every good faith effort to avoid and have substantial proof of this.
Consumer complaint received 2023-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (FL)

I have sent Certified letters to Fox Collection Center for account XXXX located at XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/XXXX and XX/XX/XXXX and they have not verified not validate that this is my debt. I have copies of letters that I received from XXXX and XXXX that this collection is deleted from my consumer report, but they refuse to send the letter to XXXX for deletion from my consumer report. I sent them certified letters and as of this day XX/XX/XXXX they have not once sent me anything.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

Midland Credit management is suing me for an allege debt from 2019. I requested validation of alleged debt and received documents mentioned below :. 

Midland Credit Management mailed XXXX XXXX XXXX and Assignment which didn't mention account number nor amount of allege debt. The document ( Bill of Sale Assignment ) states that a master purchase and sale agreement was reached between bank, department XXXX XXXX bank and BUYER. 

Exhibit A to XXXX XXXX XXXX states " The individual accounts transferred are described in the final electronic file named " XXXX '' delivered by the bank to BUYER ( no mention of XXXX being the buyer ). 

XXXX also mailed statements for alleged debt with inaccurate interest amounts and billing cycles ( copies attached ). I printed a copy of my XX/XX/2019 credit report thru XXXX and the information is not the same as what Midland Credit is reporting ( Copies attached ).
Consumer complaint received 2023-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CT)

Cash App financial has held my money through a hotel hold. After my hotel stay, the financial app instructed me to furnish a final bill to show that their was a XXXX balance, and therefore can release my funds. I did that, and the hotel confirmed funds have been released. Then the financial app told me I had to wait within 14 days for funds to be released. It has been 16 days and yet they still refuse to release my funds. Ive exhausted all means in trying to retrieve my funds.Their customer service are unprofessional and discourteous. Thank you for your attention in this matter.
Consumer complaint received 2023-02-25
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: EQUIFAX, INC. (GA)

I have unrecognized inquires on my credit report, I would like the following inquiries to be removed. 


XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX and public record XX/XX/XXXX XXXX
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I opened up an account with bank of America in 2019 and upon doing so a couple of months in my card was stolen or lost and someone attempted to cash a fake check in the amount of XXXX dollars in my account that was rejected my account was closed shortly after on XX/XX/2019 and when I explained that it wasn't me, I got the run around. also, I was never told that it would be on my consumer reports because the closure status read paid in full but since I haven't been able to open an account so upon request, I filed a dispute with XXXX XXXX, but I was told it was never on file can you guys please help me get back to normal this is very much hardship for me especially when I did nothing wrong.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

I applied for a Comenity Bank credit card through Victoria Secret and Comenity denied me due to credit worthiness from XXXX which is a consumer reporting agency. According to 12 car 1002.6 & 15 use 1691 states that applicant means any and not in the faith of credit worthiness. XX/XX/XXXX, I received my adverse action letter and on XXXX XXXX I responded to the adverse action letter and they received it and sent it back without responding and giving me my credit card. They are discriminating against me.