davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

I see reported on my credit report with Experian that The United States bankruptcy court for the eastern District of Michigan reported I filed bankruptcy XXXX, which is in accurate because I have a letter stating that they indeed did not report this to Experian. I obtained this letter after mailing the court A letter asking the day indeed report to Experian. I did not authorize this. I then tried to dispute this From my credit report, and they deny my request even with this letter, which means they are not properly verifying the information.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I see reported on my credit report with trans Union that The United States bankruptcy XXXX for XXXX XXXX XXXX XXXX XXXX reported I filed bankruptcy XXXX, which is in accurate because I have a letter stating that they indeed did not report this to Trans Union XXXX I obtained this letter after mailing the court A letter asking the day indeed report to trans Union. I did not authorize this. I then tried to dispute this From my credit report, and they deny my request even with this letter, which means they are not properly verifying the information.
Consumer complaint received 2024-09-21
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Tally Technologies (CT)

I was a customer with Tally to help payoff my credit card balances. Tally uses a revolving credit line. You pay them monthly and they pay your credit card in return, and make bigger payments to avoid interest. On XX/XX/XXXX, Tally emailed me and said they wouldnt be paying my credit card. I emailed them and asked why and they said it was a problem with XXXXXXXX XXXX. I called XXXX XXXX and they assured nothing was wrong. I spent the next XXXX weeks trying to fix this but everyone kept emailing me instructions on how to link my account back. Every time I tried, it would fail. I continued to make my payments to Tally and now my credit card, which defeats the purpose of this service. Then on XX/XX/year> Tally announced that they were going out of business and that XXXX and XXXX XXXX XXXX ( XXXX ) were buying their debt and my balance was now turning into a XXXX year loan. My credit line with Tally was {$3000.00}. With XXXX, I know have a XXXX year loan that is going to be {$4800.00}. This is unfair as Tally never told me that they were going under and kept blaming XXXXXXXX XXXX  for my issues, when it was really because they failed to to deliver their services. This is unfair to me and I am in more debt because of it.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I have an pop loan and they have frozen my account and they charged me XXXX to access it and frozen my account because I didnt pay it back on time and Im on a fixed income and I tried talking to them but havent gotten anywhere and it was an XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Please remove unauthorized inquiries. 

EXPERIAN : 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 XXXXXX/XX/XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Cited : XXXX XXXX
Consumer complaint received 2024-09-23
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. (AL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I submitted application for XXXX XXXX ( XXXX ) Credit card with is provided by BOA. They had promotional offer of XXXX miles, if I spend $ XXXX in first XXXX  month. Also, XXXX the card application it was mentioned I'll be able to use the card immediately after approval. 

I got the application approved and received the Credit card number, I was trying to booking flight tickets but card kept declining. 

I called BOA customer card several times but they were not able to help, customer rep mentioned it their system problem. I was unable to perform that flight transaction worth $ XXXX. 

I requested BOA to honor the promotional offer since they didn't allow me to use the card immediately after approval as advertised but they are not ready to honor the offer. 

I've paid {$89.00} as yearly fee for the card. I requested them to refund me the annual fee and close the card if they can not honor the promotion but they are not ready refund me the annual fee. 

I've other loss of {$40.00} because if their offer which they falsely advertise.
Consumer complaint received 2024-07-27
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. (IA)

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT BELONG TO ME! FRAUDULENT ACCOUNTS XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$0.00}. 
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 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 I certify and declare this information to be correct and true. I understand that knowingly making any false statements in this identity theft affidavit may subject me to the penalties of purjury. 
XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (AL)

Okay so back in XXXX of XXXX we seen fraudulent transactions and the amount was my whole paycheck that was deposited into my bank account at Moneylion in amount of {$910.00}! We told them immediately that we werent making charges and we needed help!! Well they took forever to check the account and it had already rolled around to time for my next paycheck to be deposited and they got my payroll again!!! So when that happened the amount was doubled and they were acting like they didnt want to help at that point because they owed us two paychecks at that point!! I had finally gotten someone to I thought understand me but not quite I found out because they said if its not you then why you let them charge your card for paychecks why not stop when it first started and I was like I tried I called I emailed and put in for transactions illegally not me but you Moneylion kept telling me oh we have to wait until all the Charges are not pending anymore and cleared but they let this go in for a month which was two of my paychecks {$810.00} and second one {$910.00}!!! After all was said and done they waged war with me for about 4 months and come down to only sending what they said was the amount they were refunding even though I had proof of these charges being out of country and chat records with emails showing that I had been corresponding and pleading with them to freeze card and give us new account number! So then they sent a amount of unknown amount to a old bank account that had been closed and said okay we sent you your money back! But oh no here is the 3rd leg of it so I didnt even get notified correctly that they did send something so when I finally found out it was my other back account that was closed that emailed me and made sure I knew that on XX/XX/XXXX at XXXXXXXX XXXX that they sent back a deposit from Moneylion XXXX of course my account was not open and now XXXX hasnt responded after I told them I know that chime sent the payment back to them!!! And I also have {$240.00} in my loan saving and {$48.00} in crypto account with XXXX that they owe me because all my accounts had all our money into them! So total amount at the end of it all the amount of {$2000.00}!! And I believe that is fair being we got kicked out of our house that XXXX during XXXX in the winter months because they didnt protect us even after we were screaming to them to freeze the account!! Please help us we dont want any extra just my paychecks that I worked my tail off for because it had been XXXX and we were going to get our kid XXXX but instead we lost everything due to their negligence! Thank you for any help though we would appreciate any!!
Consumer complaint received 2024-07-27
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


INQUIRIES : 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I pay my bills on time, no doubt about that. I dont get why this company shows late payments. As per USC 1666b, any mistake in billing should be fixed, and the account should show paid on time.
Consumer complaint received 2024-11-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (CA)

Most recently my loan was placed in foreclosure status. The bank servicer, PHH force placed an insurance policy sometime in XXXX XXXX. I have been calling since to no avail until recently when I had to reach out to further assistance. 

The property was refinanced in XXXX, and payment included the Taxes and Insurance. We also paid insurance directly to the insurance company so in essence we were double paying. 

The company increased my payment by approximately {$1000.00}, which I was unaware of until recently. So what appears to have happened was that my payments were in suspense, and therefore, it appeared that I was not making the " total '' amount. All the while, my insurance agent and I were calling the bank and given the runaround. 

So I finally got a hold of PHH, the servicer, and I was told that we were in foreclosure status because I was behind. I told XXXX at PHH, that I tried to make payments, over the phone and online banking. Once placed in foreclosure status, I was not able to make a payment as they wanted over $ XXXX. I had sent a check as well within the past few months and finally received a reply with a copy of that check that had been ultimately destroyed, Finally XXXX from PHH, referred me to XXXX, the lender. Finally, after many calls and emails, I was referred to XXXX at XXXX, the original lender. He assisted and was in between with PHH. Both advised that the issue would be taken care of, however, the account is still showing that we owe over {$11000.00} so clearly the issue has not been resolved. XXXX at PHH mentioned it would be about 5 days. It is now over XXXX weeks. This will cause an issue when I make my next payment of now $ XXXX payment. I am beyond stressed about this situation. The payments did become late due to the check that was returned, and did miss a payment when my mom in law passed. Thank you and please assist us in this dire situation.
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

In XXXX I received a letter stating my Kohl 's credit card has been chosen to be updated to a Kohl's/CapitalOne XXXX in XXXX. I immediately contacted Kohl 's and said I didn't want my card changed. They said I had to contact CapitolOne. I called CapitalOne and they said they couldn't stop the process, but after I received my Kohl's/XXXX  card I could call them back and ask to be converted back to just a Kohl 's credit card. That is ridiculous that they couldn't stop the change that wasn't taking place until XXXX. I called Kohl 's back and said if they couldn't stop the change, then to cancel my account. Kohl 's cancelled my account and don't send me a Kohl's/XXXX  card. XXXX I received a Kohl's/XXXX  card. I am furious. I just wanted my Kohl 's credit card and without my approval they went and opened a XXXX account in my name. I contacted the Attorney General 's office, They contacted Kohl 's and CaptialOne, and suggested I contact your agency. I believe this is a highly deceptive practice on CapitalOne 's part and they are " forcing '' me to accept their credit card even though I never applied for XXXX, told them I didn't want XXXX, and even closed my Kohl 's account so they wouldn't send me their credit card.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. (CA)

I followed instructions of website and provided highly sensitive personal information and documents and was unable to open account and get status on the account. Ultimately, I was locked out of the account and sought to contact Support to resolve the issue. Initially I sought help from live chat with someone name XXXX. All he could do is reiterate what is written in the self-help portion of the website. Next, I searched for quite a bit of time to find a phone number. None worked until I tried XXXX XXXX and spoke to XXXX who promised to call back in a couple of hours. When he did not, I called again, and he answered telling me to call back the next day. I doubt he is going to do anything about the problem. 

To date, Coinbase Global has a tremendous amount of my personal information and is unwilling to provide any understanding of the account 's current status. The CEO is XXXX XXXX.
Consumer complaint received 2024-10-31
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (NC)

I applied for a XXXX XXXX Credit card through Synchrony Bank at the XXXX XXXX store and was turned down due to " High Risk Source of Application ''. I really don't understand this as I have excellent credit, am never late on my payments, and have really high scores on all three credit bureaus. I never get turned down for credit! This is very frustrating and contacting Synchrony Bank is no help as they can't even explain to me what this means! They even pulled my credit and still turned me down. I am so frustrated by this company. I'm about ready to close three accounts with Synchrony that have XXXX XXXX worth of available credit!
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (GA)

I was reviewing my credit report a few months ago and noticed that I have information that is Not reporting correctly. I saw information for a Bankruptcy XXXX. 

I contacted XXXX XXXX courts on multiple time and even after speaking to multiple people, I was advised that they DO NOT provide any information to the credit reporting agencies. Thus, I am confused as to how this information is even reported, especially because it is NOT correct. 

I know that my rights as a consumer ensure 100 % accuracy of information that is being reported about me and this is definitely NOT accurate. 

Please advise how to handle this.
Consumer complaint received 2024-09-23
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. (NJ)

I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : $ XXXX number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXX are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : $ XXXX