davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated.

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.

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!
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-06-27
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT SPACECITYCU Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account XXXX : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXPlease remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I'VE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN BOTH THE XXXX AND XXXX DATA BREACHES. I ALSO HAVE BEEN A VICTIM OF IDENTITY THEFT THROUGH CREDIT REPAIR DONE BY A PERSON THAT I TRUSTED WITH MY PERSONAL INFORMATION, WHO COULD HAVE OPENED MOST OF THE ACCOUNTS LISTED. I NEED THESE FRAUDULENT ACCOUNTS REMOVED IMMEDIATELY.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute an item on my credit report that I believe to be fraudulent. Upon reviewing my credit report, I noticed an entry that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. This account is not mine, and I have not engaged in any activity associated with it. I suspect that my personal information has been compromised. I have included the following documentation to support my claim : A copy of my FTC Identity Theft report In accordance with the Fair Credit Reporting Act, I request that you investigate this matter and delete the fraudulent item from my credit report as soon as possible. Please confirm in writing that the item has been removed and provide me with an updated copy of my credit report.Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-11-01
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. (WA)

I have XXXX XXXX XXXX  XXXX and they reported late payment for XX/XX/year> to experian. The company suspended my account without my consent and blocker access to view or pay the balance. They also did not send out notification on balance and reported to credit bureau. I have opened the dispute with experian 4 times and they said it is accurate. I am unable to reach them or make them understand the reason. The information may be accurate but the reason for the late payment is XXXX. 

Since, I have called XXXX up and repaid the full amount they are not incentivized to correct their mistake. Experian is unwilling to do the right thing and am unable to reach human dispute specialist as the AI won't connect the phone. The late payment was XXXX $ and this has decreased my score by XXXX points. This is unfair, though the other Bureau initially agreed with my dispute, they have all added Experian 's results now.
Consumer complaint received 2023-06-27
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. (TX)

Account : XXXX I am writing to bring to your attention a grave matter concerning the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention to address this violation and ensure the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not associated with me in any way. Despite my diligent efforts to dispute this inaccurate information directly with the company, they have disregarded my concerns and failed to take any action to rectify the situation. 

It is evident that XXXX XXXX XXXX XXXX actions represent a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including correspondence with XXXX XXXX XXXX as well as any supporting evidence that clearly demonstrates their violation of FACTA and the inaccurate reporting of the negative account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to rectify this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Consumer complaint received 2022-03-22
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. (DE)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have asked the credit bureaus to investigate several accounts that are reported in my name, and I have not had a solution. I sent a certified letter printed with ID, the information reported in my credit is inaccurate, incorrect. I requested the deletion of this account and received a response. I demand that these accounts be removed since they are affecting my ability to grow and obtain credit. The response from the credit bureau is incorrect, I did not obtain proof that these accounts belong to me. I ask you to please help me to be able to delete these accounts.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

I have tried multiple times to contact the student loan servicer for accurate account information and have had no response other than to pay my loan balance. The balance is incorrect. My credit report is showing 4 accounts associated with that servicer. I have only taken out 2 accounts for my actual student loans. This is impacting my credit in a negative manner and has caused a hardship buying a home. Over {$6000.00} has been added without notice or consent or justification. I am aware of the lawsuit filed against Mohela for their incompetence handling student loan money and servicing. It is impossible to speak with someone or get a resolution through the company itself.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC. (FL)

So on Tuesday Evening in the date of XX/XX/year> my job deposit XXXX $ on my Robinhood brokerage account I went to XXXX  XXXX and took out XXXX $ then the next day I wake up with Robinhood telling me they restricted my account due to suspicious activities ..I waited all day for an answer nothing happened!! I had to miss work on Wednesday night and also yesterdayall my money get deposited to Robinhood every Tuesday from XXXX XXXX XXXXthe first coming up and Im missing on work days I have to pay my bills I have to pay rent I use Robinhood for XXXX!! Thats my way to work Ill be taking legal action against them because this make no sense how can I have suspicious activity on the same account I get my direct deposit from my job in? I had to call off work for 3 days straight I been contacting them vial emails no answer they had me on a 1hr hold on the phone and they still not trying to resolve my problems they sent me emails that have no significance whatsoever no idea of whats going to happen to my hard working funds
Consumer complaint received 2024-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (IL)

On the date XX/XX/XXXX a total of {$490.00} at XXXX was stolen out of my Cash App card I was told multiple time that I will get help never got help they denied and closed my claim with no explanation. Very hurtful that was my carnote money not Im at risk of losing a whole car.
Consumer complaint received 2024-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CO)

The loan was paid off on XX/XX/year>. DMV still shows there is a lien. Lien release was never sent and neither was the title. I have an emergency situation and need to sell the car. On XX/XX/year>. I requested lien release letter from Kia Finance. They told me it would take 3 days to process then it would be faxed to me. I explained my emergency to representative and they spoke to a supervisor and told me the lien release would be faxed on Thursday XX/XX/year>. On XX/XX/year> I didn't receive a fax and called and spoke to a supervisor who said it's still in process. I asked for a date when I would get it and they said it was still in process. I asked for a number to the department that handles the lien release and they said there isn't a number just an address.I asked for corporate number. The representative said there isn't a number just an address. I asked for their legal department number. Again, they told me there isn't a number just an address. I asked representative to make sure I understood the situation " Despite having paid the loan off on XX/XX/year> and Kia Finance has had 7 months to process this but failed to do so. My lien release will be in processing for an undetermined amount of time and there is no way to contact the department directly or get this expedited. The representative said it's still in processing and I have to wait and hung up on me
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (CA)

I transferred {$41000.00} from my XXXX  account to SoFI checking account on XX/XX/year>. They locked my account with no reason so I called them daily to unlock it but they don't give me any reason why it's locked nor when it can be unlocked. I'm already getting calls from my contractor for payment so this is really frustrating situation. I asked them to just send my money back to XXXX  account but they said can't. They are basically stealing my money.
Consumer complaint received 2024-10-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brock & Scott, PLLC (PA)

Subject : Complaint Regarding Violation of XXXX  XXXX Bankruptcy Court Order Dear, Consumer Financial Protection Bureau ( CFPB ) I am writing to formally submit a complaint against [ XXXX XXXX XXXX XXXX XXXX ] for violating a XXXX  XXXX bankruptcy court order. I filed for XXXX  XXXX bankruptcy on XXXX XXXX in the U.S. Bankruptcy Court for XXXX XXXX XXXX XXXX XXXX  ( Case XXXX, The bankruptcy was XXXX on XXXX XXXX. 

Details of the Complaint : Violation of Court Order : Following my bankruptcy XXXX  XXXX XXXX, BROCK & SCOTT PLLC has continued to contact me regarding debts that was included in my bankruptcy proceedings. This constitutes a violation of the automatic stay and the discharge injunction under 11 U.S.C. 524. 
They have continued to contact me thru the U.S. mail as to their ongoing sheriff auction dated for XXXX XXXX. 

Impact on Me : These actions have caused me significant emotional distress and XXXX, as I believed I had been given a fresh start following my bankruptcy discharge. 

Applicable Laws : 11 U.S.C. 524 : Discharge injunction which prohibits creditors from attempting to collect debts XXXX in bankruptcy. 

Fair Debt Collection Practices Act ( FDCPA ) : [ 15 U.S.C. 1692 ], which protects consumers from abusive debt collection practices. 

Requested Action : I request that the CFPB investigate this matter and take appropriate action against BROCK & SCOTT PLLC for their unlawful collection practices. I also seek guidance on any further actions I may take to protect my rights under bankruptcy law. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NC)

I am writing to formally express my frustration and disappointment with American Express regarding my recent request for payment relief and the lack of transparency in our interactions. Due to recent health challenges and the resulting loss of income, I reached out to discuss options for reducing my minimum payment obligations temporarily, hoping to prevent further financial strain. Unfortunately, the companys response has been both inflexible and unhelpful, leaving me feeling unsupported and misled. 

On XX/XX/year>, I completed an online relief form, which proposed a payment plan requiring {$200.00} per month for 48 months. Given my financial situation, I followed up with customer service to discuss a more manageable solution. In these conversations, I was told that the lowest payment option available was {$220.00} per month for 48 monthsan amount that is simply unfeasible for me under my current circumstances. 

Despite my offer to pay the maximum I could affordjust {$50.00} less than the proposed amountthe company showed no willingness to work with me. This limited payment adjustment sets me up for inevitable failure, as the strain of this requirement will likely result in late fees, higher interest, and an increasing balance. This approach appears counterproductive and designed to favor the company 's financial interests rather than provide genuine relief to customers. 

Additionally, I already have serious reservations about the companys transparency and honesty. When I sought clarification on my obligations and asked specific questions regarding information I recently received from the Federal Reserve, I was met with vague responses, and my requests for full disclosure went unanswered. The company assured me that there was no malicious or illegal activity involved, but the lack of clear, direct responses raises concerns about the accuracy of the information being provided. 

In light of the economic strain, high inflation, and my current financial hardships, I am deeply concerned that American Express is not operating in a fair, ethical, or honest manner. The company 's refusal to work with customers facing genuine hardship and the lack of transparency regarding questions about Federal Reserve-related information are both deeply troubling. 

I respectfully urge American Express to reconsider its approach to hardship relief and to engage with customers in an honest, transparent, and compassionate way. I hope that you will take this complaint seriously and prioritize actions that support, rather than exploit, customers in need. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (TN)

I disputed an unauthorized transaction for {$330.00} on XX/XX/XXXX on cash app. By law, I shouldve received a provisional credit by now as its been XXXX business days and I have not received a resolution. Cashapp has yet to respond, or give an update on when they will issue my credit.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOK FINANCIAL CORP (TX)

Bank of Texas has seized my bank account with due process of the law. 26 usc 61 source of income. IRS publication states income must return to source and no were it is stated Bank of Texas is source. Since XX/XX/year> Bank Of Texas along with its employees Autumn XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX has conspired to commit fraud, deception, malfeasance. CEO XXXX XXXX has been notified and refused to resolve this unlawful, unconstitutional seizure of my bank account. The only option I have is to file 1099B on the bank and federal lawsuit against bank of Texas and its individual employees. No were in the United States of America constitution it states Bank of Texas can seize money from living breathing natural men. I have spent countless hours to resolve this unlawful seizure including sending notices to Bank Of Texas. I want this issue resolved.