davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CT)

XXXX credit card statement lists a Late Payment Warning as follows : " If we do not receive your minimum payment by ___date___ you may have to pay up to a {$40.00} late fee. " This sentence does not specify a time deadline on the given date. But apparently there IS a time deadline of XXXX XXXX. It is mentioned in the very tiny fine print on the back side of the last page of the statement -- not something people tend to look at. 

My complaint is that this is intentionally misleading! People like myself who login online and make payment on the due date at say XXXX XXXX, are then unsuspectingly hit with a late fee. Because I knew I had paid on time, I did not realize until much later that I had incurred a late fee. By that time, I had incurred an additional late fee for the late fee! 

XXXX should be more transparent about their payment deadline, and they should not be allowed to charge late fees if they make the above statement without any specification of a TIME deadline on the due date.
Consumer complaint received 2023-05-01
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: ID Analytics, Inc. (CA)

I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction
Consumer complaint received 2023-05-09
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. (GA)

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : PURCHASING XXXX XXXX  ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
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. (IL)

.I Filed Mutiple dispute with the credit reporting agencies. In regard to inaccurate and fraudulent activity on my credit report. 
I never received any notifications in regard to the investigation. It been over 60 days with no answer. 
I filled a Ftc Identity theft report as well as sent a 30 and 60 demand letter to comply with the credit bureaus. Still have yet to receive any response The Credit bureaus also stated my account was properly investigation but how is that possible if the people they ask also said it was fraudulent and deleted so they giving false info, there showing late payment that wasn't late and date last reported is not accurate this ground for removal they also 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 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...

5.According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I Have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( mo ) 281 SW 715 719 I may presume that no proof of the alleged Debt, nor therefore any such debt in fact Exists '' THE BUREAUS IS NOT ABOVE THE LAW PLEASE MAKE SURE THEY REMOVE THESE OFF MY ACCOUNT OR MY NEXT STOP IS TO BBB
Consumer complaint received 2024-08-13
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. (NY)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance Owed : {$11000.00}
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (NJ)

On XX/XX/XXXX, my husband and I were approved for a four-month repayment plan of {$580.00}. That day I received a letter from XXXX stating she received a {$1900.00} payment. I responded and stated that she was incorrect and provided proof that I paid {$2200.00}. On XX/XX/XXXX, XXXX emailed me ( attached ) saying she did not like my tone. I did not verbally speak to her ; it was by email, so I want to know how she can make any assumption. I only said I would like to know where the {$190.00} went. You will see her horrible and unprofessional response to me ( email attached ). 

Fast forward as to why I am making a complaint with CFPB, on XX/XX/XXXX, I responded to XXXX 's email about XXXX and XX/XX/XXXX payments. I stated that my husband 's XXXX and whatever back pay from his employer had stopped, which was the reason for the late payment for XXXX. I also stated I would make a payment on XX/XX/XXXX I did not say I would make one payment. XXXX assumed that's what I would do and blocked my account preventing me from making a payment. It stated, " XXXX XXXX does not have access to any loans. Please contact Customer Service ''. That wasn't the case I got paid that day and made both payments by phone since she locked me out of my account knowing I said I would make a payment. To me this was done intentionally and I was told she was out when I emailed her and called her about not being able to make my payment online, to date no response, not sure if she's still out. I asked why I was locked out they stated they ( customer service ) did not see any notes as to why my account was blocked and XXXX was out. 

XXXX XXXX XX/XX/XXXX email had me very upset, and I am taking this matter personally, 1. why would you stop me from making a payment as of today I still don't have access to my account and 2. To request a demand for the past due balance and attorney fees/foreclosure when I said I was going to make that payment. Had I not called to make the payment and with her being out on XX/XX/XXXX to remove the hold on my account, that would have put us in default/foreclosure procedure. This is scary this can destroy someone's life. I would like to have someone else from SN Service Corporation to be our accounts Representative. 

Our payments are up-to-date, and I would like to have access to my account I was told after I made those payments, I would have access and I don't.
Consumer complaint received 2023-05-09
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. (KS)

A month ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-11
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. (OH)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (MI)

I have a complaint pending with you for a company called XXXX XXXX, however this complaint for the company Fortiva Credit Card company. I had XXXX XXXX send them the bill pay, however they state they did not receive the payment. I have sent them proof such as bank statements, emails, etc. and Fortiva will not budge or help me. Fortiva would not even investigate the claims they keep telling me that the information is not enough. I am still out of {$150.00} and XXXX will not refund my funds. I truly do not know which company lying or what and I just want this to end. Today I closed my account with Fortiva and I close my account last week with XXXX and not chime will not even help me. I have emails from XX/XX/XXXX - XX/XX/XXXX ( today ).
Consumer complaint received 2023-03-22
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (NY)

I am writing to you on behalf of myself, regarding the unauthorized disclosure of my personal information to unaffiliated third parties without my knowledge or consent. It has come to my attention that your institution, Rocket Mortgage LLC, has reported my information to third parties without providing me with the required disclosures, as mandated by Federal Law. 

As per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, financial institutions such as yours are required by law to give customers three disclosures, including an opt-out notice. Upon careful review of all documents provided by your institution to me, I have found that none of these documents contained any of the required disclosures under 15 USC 6802 ( b ). 

Accordingly, I am hereby requesting that you provide me with all the above-required disclosures as per Federal Law. Please provide me with the opt-out notice, a clear and conspicuous written or electronic form indicating that my information may be disclosed to third parties, an explanation of how I can exercise the nondisclosure option, and any other disclosures required by law.
Consumer complaint received 2023-05-09
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)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Revenue Cycle Associates, Inc. (GA)

XXXX from Revenue cycle associates contacted me on XX/XX/2023 at XXXX XXXX EST via phone and asked for XXXX XXXX. I informed her there was no one here by that name and to remove the number from her calling list. At XXXX XXXX EST she called again asking for XXXX XXXX. I asked for her contact information and was provided, XXXX, ext. XXXX. I asked for the address and name of a supervisor. She asked if this was to mail a payment for XXXX XXXX. I informed her it was not and that I had not 5 minutes prior requested she remove my number from her contact list as I dont know this person and I wanted the companys name and address since she had not done that and was continuing toco tact me. She then disconnected the call.
Consumer complaint received 2023-05-01
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. (TN)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TN)

I got a credit report alert detailing that I had a new account with FEB/Destiny. I called the company and it was in fact an account listed in my name. I have never heard of the company or bank and reiterated this several times to the reps. They informed me that a freeze would be placed on the card and that a team would review it. I asked the rep for the address that the card was shipped to and when the account was opened. I was notified that it was opened on XX/XX/XXXX and the rep would not provide me the address but rather replaced the initial address on the account with mine which i find to be very unethical and unsafe. Rep then back peddled and stated that initially there was no address listed on the account. Asked the company to remove from my credit report and was informed that it could not be removed until after the investigation and me filing an affidavit with the FTC.
Consumer complaint received 2023-03-22
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. (AL)

In XXXX and XXXX, I filed a disputes with this consumer Credit reporting agency about the unverified collection account of XXXX XXXX Account # XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this credit reporting company as of today. Thank you
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX to purchase a vehicle. I was pre approved and indicated I did not want to apply with any other lenders or have my credit checked by XXXX. My intent was to complete the purchase entirely online with XXXX XXXX once a pre purchase inspection was completed. I have text messages stating this and assuring me my credit would not be run and I had to fill out the application for identity purposes. As soon as I submitted the application my credit was run through multiple lenders at least 5! Despite my pre-approval and the assurance that it would not be run. I am requesting these inquiries be removed from my report as they were not authorized and impacting my credit score. I ended up not purchasing the vehicle as it did not pass the independent inspection I had performed.
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I have always made timely payments on this account, and it is therefore absurd that my account would indicate otherwise. Kindly update my account accordingly.
Consumer complaint received 2023-03-22
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (CT)

In XXXX XXXX XXXX  I put down separate deposits of {$750.00} for two properties with a leasing company called XXXX. I cancelled both deposits, the leasing company sent me two separate checks to refund my security deposits. I received the checks separately by mail. I cashed the first check for {$750.00} around the XXXX of XXXX and the second check on XX/XX/XXXX. Shortly after that I received a notification that my accounts would be closed and my funds frozen. 

I went directly to my local branch manager who was extremely helpful, I showed her the information from my leasing company indicating that both checks are refunds for security deposits. Unfortunately, the entire fraud department for Citi is located overseas and we stayed on the line for over an hour to no avail. I explained multiple times the reason for these refund checks but the fraud department refused to accept my reasoning. They insisted that only the leasing company can call and confirm that their checks are legitimate. I've spoken with my leasing company 's accounting department and provided them the number for Citi 's fraud department but they have never been able to get through to anyone. 

I've called multiple times and the fraud department is unwilling or to incompetent to connect the dots. They are unable to explain why the first check I cashed was fine but the second check for some reason was flagged. It has now been more 60 days that my money is inaccessible. I'm also unable to open an alternative account due to the XXXX  flag resulting from this unwarranted account blockage.
Consumer complaint received 2023-05-01
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: Bread Financial Holdings, Inc. (FL)

Disputed with Comenity for an Ulta and Victoria Secret Credit Cards on XX/XX/23. Company received my disputes on XX/XX/23 as it shows according to the certified mail. It is now XX/XX/23 and I've yet to hear back from the company with a solution. The company agreed to remove from credit report but did not keep agreement after receiving payment. The FCRA gives the company 30 days to respond, I have not gotten a response. I've contacted the company multiple times via phone and certified mail.