davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: TD BANK US HOLDING COMPANY (NJ)

I am filing a complaint against Nordstrom regarding a withheld refund related to my bankruptcy case. I filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, in the XXXX of XXXX XXXX, and my discharge was granted in XX/XX/XXXX. After my discharge, I returned items to Nordstrom and requested a refund of approximately {$1400.00} in XX/XX/XXXX. 


Instead of processing the refund, Nordstrom retained the funds to cover a debt associated with my Nordstrom credit card, which was included in my bankruptcy discharge. The debt was discharged as part of my bankruptcy, and the credit card was canceled. 


Whenever I contact Nordstrom, I am directed to communicate with their bank directly regarding this matter. However, when I call, I receive no assistance ; the representatives repeatedly inform me that Nordstrom will retain my refund. When I request transcripts of these conversations to demonstrate that they are unwilling to help, I am told that I must send a subpoena to obtain them. 


I have also reached out to Nordstroms customer service through email, but I only receive automated responses that indicate they do not read the details of my situation. This lack of genuine communication and assistance has left me feeling frustrated and concerned about the legality of Nordstroms actions. 


I am seeking guidance on how to proceed and resolve this issue, as I do not have the financial resources to continue paying for legal assistance.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CATHAY BANK (FL)

Date : XX/XX/year> Your Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL Phone Number : XXXX Email : XXXX Cathay Bank Credit Card Account Number : XXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear Sir/Madam, I am writing to submit a formal complaint regarding the transfer of my Cathay Bank Mastercard credit card account to Pinnacle Bank , a Tennessee-based bank , without prior notification or my consent. This transfer has resulted in several issues that have negatively impacted my ability to manage the account and make timely payments. 

Specifically : Lack of Notification : I was not informed in advance about the transfer of my credit card account from Cathay Bank to Pinnacle Bank. 
Access Issues : Cathay Bank has removed all access to my account, including the online portal that I used for managing payments. 
No Instructions for New Access : I have not received information or instructions on how to access my account at Pinnacle Bank to make payments or manage the card. 
Missed Payments and Credit Impact : As a result, I have been unable to make payments on time, risking late fees, interest accrual, and damage to my credit score. 
I respectfully request the following actions to be taken : Immediate restoration of account access or instructions on how to access my account with Pinnacle Bank. 
Waiver of any late fees or penalties that have accrued due to the lack of communication and access. 
Confirmation of payment processing channels to avoid further delays. 
An explanation of the account transfer process and missing notification. 
This situation has caused significant inconvenience and could have serious consequences on my credit record if not addressed promptly. Please investigate this matter and provide a swift resolution. I expect your assistance in ensuring that the necessary corrections are made and that my consumer rights are respected. 

Thank you for your attention to this issue. I look forward to a prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Consumer Information : Name : XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Against : XXXX Experian Subject : Multiple and Inaccurate Reporting of XXXX XXXX XXXX Account # XXXX Details of the Complaint : I am filing a formal complaint against XXXX and Experian for the inaccurate and duplicate reporting of my XXXX XXXX XXXX Account # XXXX. 

XXXX. Multiple Listings : This account is being listed multiple times on my credit report under different entries, which is significantly lowering my XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure that information on a consumers credit report is accurate and not misleading. By listing the same account multiple times, the agencies are violating this statute and unfairly damaging my credit.

2. Impact on Credit Utilization : The duplicate listings are inflating the balance amounts on my credit report, which inaccurately affects my credit utilization ratio. This is having a negative impact on my XXXX XXXX, when in reality, it is a single account that should only be reported once. 
XXXX. Incorrect Reporting as a XXXX : Experian is incorrectly reporting this account as a collection, which is false and misleading. Under FCRA 15 U.S.C. 1681s-2, furnishers of credit information must not report information that is inaccurate or misleading. This account can not be reported as a collection XXXX month and then be reported as paid as agreed in the following month. Such inconsistent reporting is a clear violation of the FCRA and is harming my financial standing.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Formal Dispute of Late Payments on XXXX XXXX Account # XXXX I am writing to formally dispute the late payments reported on my XXXX  XXXX  Account # XXXX as listed on my Experian credit report. These late payments are incorrect, as I was never late on this account.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and correct any inaccuracies. Furthermore, under 15 U.S.C. 1681s-2, furnishers of information are obligated to provide only accurate information to consumer reporting agencies.

Experian has failed to validate this information as accurate, and until it is properly verified, it should not be reported as late. I demand that the inaccurate late payment entries be removed from my credit report immediately, as they are damaging my credit profile. 

Please confirm the removal of these late payments or provide documentation that verifies the validity of this information. Failure to properly investigate and correct these inaccuracies will result in further action under the FCRA.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Formal Dispute of Inaccurate Reporting on XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate reporting of my XXXX  XXXX XXXX account ( # XXXX ) as a charge-off/collection on my Experian credit report. This reporting is not accurate, as no such status should be reflected on this account. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information reported by a credit bureau, and you are required to conduct a reasonable investigation into my dispute. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. 

It is important to note that Experian is the only credit bureau reporting this account as a charge-off/collection, which raises concerns about the accuracy of the information you have on file. I request that you provide me with the method of verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) that Experian used to verify this information. 

If Experian can not properly verify the accuracy of this charge-off/collection status, I demand that this incorrect entry be immediately removed from my credit report. Failure to comply with these requirements will result in further action under the FCRA.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2024, I contacted XXXX XXXX Bank about the incorrect credit card Account they furnished on my XXXX XXXX, to no avail. I have been calling all the Credit agencies also to remove these accounts, and they have not done so. 
My credit have been impacted also my quality of life, which is very detrimental for me.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (FL)

The mortgage is my mother 's She passed away in XXXX of XXXX. I have been trying to settle her estate since. I sent the death certificate as soon as we received a copy and then reached out to XXXX XXXX for any further information they may need so I can manage her account. They requested several pieces of information, including death certificate, administration paperwork from the court driver 's license, etc all have been provided several times. Every time I follow up and call to confirm that it's been received I'm told that they can not speak to me because I'm not authorized on the account. All requested documents have been sent several times over to multiple mailing and email addresses. 
The house has now been sold as part of closing the estate. The closing date is XX/XX/XXXX. We need a payoff letter in order to finalize the closing. Since XX/XX/XXXX, I've spoken to no less than 6 different people, and have been given no less than 4 different email addresses to send information to, which I have done each time. Each time I am told that it will take 24 to 48 hours to process once recieved, and I will have a call back as soon as it's completed. No callback has ever been made. 
I spoke to a supervisor on Thursday, XX/XX/XXXX and was told everything was received, and it would be processed in 24 to 48 hours. I called back on Friday the XXXX, just to double check and was unsurprised to learn that a piece of information was missing. My driver 's license, which I've sent several times. So the supervisor from the previous days call lied. Again I sent the requested info to yes another email address. I followed up again today Monday XX/XX/XXXX and surprise, still not complete. I spoke to yet another supervisor who had me send the information yet again to a new email address and again was assured. It would be handled in 24 to 48 hours. I won't hold my breath.
Consumer complaint received 2024-10-28
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Block, Inc. (AZ)

I took out a {$300.00} advancement and have done so in the past. CashApp offers a couple of repayment options. I have done the pay over time when they take out money leading up to the due date in the past, this time I chose to pay on the specific due date. I have done this two other times. I haven't had this issue before.

They took my money out as pending and it caused my car note to be denied and a return fee is something I'm working on with them to be removed. The money was in there when I went to sleep and I had no worries about my car payment. When I reached out via Chat because that is the only option, they can't help with this sort of thing. There are NO phone numbers to assist either. IF Cashapp is going to move like a bank then they must have resources to help people that are quicker than email and forwarding your issue to someone else. It's unacceptable to be told that the only contact you have direct access to can't help you with your MONEY. I only use this resource to move money between family and make payments from the app to avoid transfer fees of that same money. The total
amount being paid to my car loan was XXXX and the amount cashapp has on hold is XXXX. THIS HAS NEVER happened before and when asked I was given " We aren't able to discuss this ''.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (LA)

XXXX violated my consumer right multiple times on account XXXX XXXX XXXX XXXX by verifying updating with notification of method of verification also violation of XXXXXXXX XXXX XXXX with improper charge of status Not reporting 1099 to IRS for writing of the debt and properly submitting me with 1099c for writing off debt over XXXX with irs which make designation of charge off false because it was not reported to the IRS which make this account inaccurate also tax fraud because there is no documentation file with the IRS of this charge being written off and no 1009c was issued Also equifax report is in complete as most of the data is blank - blank creditor classification - blank original creditor - blank activity designator - blank sold to but this debt has been sold multiple times and is now in law debt collectors- conflict of information that doesnt match with other consumer reporting agencies ( XXXX and XXXX XXXX blank credit limit - blank high credit - blank info available credit This account I demand to be deleted immediately this report in incomplete and violates my rights under consumer law Also date of 1st delinquency dont match was XXXX XXXX and last date of payment reports as XX/XX/XXXX - account open XX/XX/XXXX in payment history reports as blank in the same report in payment history is blank which is inaccurate and impossible- this account is reporting charged off but still reporting a past due balance which is a violation - defer payment is blank - date close is blank - schedule payment is blank -actual payment is blank -Ballon payment is blank Ballon payment date is blank - payment history are blank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This account is incomplete and inaccurate for most of the report I want methods for everythis that is verified if not I demand this account be deleted immediately also I demand damages of XXXX per violation under the consumer law as I have substantial damages of denied credit on my personal and business credit where I has be substantial loss because of these violations and I demand this account to be deleted immediately
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (AR)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : XXXX XXXX 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 Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (MN)

I am a victim of identity theft. Someone recently opened a checking and savings account in my name using my personal information. I didnt apply for the checking or savings account with BMO Harris Bank . I have never opened a checking or savings account with BMO Harris Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MN)

I am having a problem getting my XXXX XXXX, Early Warning Services and XXXXXXXX XXXX XXXXXXXX Report. I would like for XXXX XXXX, Early Warning Systems and XXXX XXXX to send me a complete copy of my consumer report via XXXX mail. Full Name : XXXX XXXX, DOB : XX/XX/XXXX, XXXX : XXXXXXXX XXXX XXXXXXXX License Number is : XXXX, Issue Date : XX/XX/XXXX, Exp. Date : XX/XX/XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Early Warning Services, LLC (MN)

I am having a problem getting my annual credit and consumer report from XXXX XXXX, Early Warning Services and XXXX XXXX. I want XXXX XXXX, Early Warning Services and XXXX XXXX to send me a complete copy of my annual consumer report via USPS mail. Full Name : XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX, Minnesota XXXX XXXXse Number is : XXXX