davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The following companies ran unauthorized credit report on me.. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove inquiries done by these companies 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 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have been requesting for some time now to have the false and inaccurate information on my credit report to be corrected and removed, but I have been consistently ignored. I know I have rights as a consumer and it is blatantly being violated, this is really insulting and hurting my feelings badly. My life and credit score has been impacted negatively because of these errors being reported on my credit report.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXXXXXX XXXX reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my XXXX rewards card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and XXXX should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX XXXX in the small courts claim where I have all proof to show XXXX XXXX is breaking FCRA laws. I have been with XXXXXXXX XXXX since XXXX that is 12 years! and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX  reported a 30 day late payment to the XXXX major credit bureaus XXXX XXXX and XXXX for the month of XXXX of XXXX. Since XXXX of XXXX I was hospitalized due to a terrible car accident which my wallet was lost and stolen. Due to my wallet being stolen my social security number along with all my credit card were compromised and used. There were fraudulent transactions that were done on my discover card from XX/XX/XXXX up until XX/XX/XXXX. I have recently been XXXX a couple weeks now and I have disputed all the fraud transactions. Due the fraud transactions I should not be held responsible for the 30 day late payment and discover should remove it because I did not once get a fraud alert that my discover card was being used without my knowledge. XXXX failed to report fraud transactions to me which resulted in the account to go 30 days past due and report to the bureaus. If this issue is not resolved and the 30 day late payment is not removed from my credit reports I will be filing a law suit against XXXX in the small courts claim where I have all proof to show XXXX is breaking FCRA laws. I have been with XXXX  since XXXX and I have never had an issue such as this. Please resolve this problem in a timely manner. Thank you!
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-02-08
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. (NJ)

Ive sent several letters to Experian asking them to delete several inquiries and accounts from my consumer profile. Ive been a victim of identity theft since XXXX and have been working diligently to restore my consumer profile. Ive sent police reports to Experian which they should have in their system. They continue to report a fraudulent account on my consumer report. The company XXXX XXXX XXXX continues to show them copies of bills, not an agreement bearing my signature regarding this alleged debt. They have taken me to court of this alleged debt but still never showed any proof that this alleged debt belongs to me. They continue to ruin my credibility in obtaining credit and I will be taken legal action against Experian and XXXX XXXX XXXX. Account in question XXXX : XXXX. Im updating copies of reports from XXXX and XXXX as well as alerts i gave on my personal information showing that Im still dealing with identity theft and how my information keeps circling on the dark web.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

HSBC claims they disbursed funds for a closed account ( which still had a balance of {$490.00} ) but I never received any check. I've made numerous phonecalls including a 2 hour call today. Two times they tried transferring me to a wrong number. I still do not have the funds.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

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 2024-06-24
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had an automatic charge go to my capital one account that I hadn't known about. I just started a new job so I went into a cap one cafe and asked how long to bring account current. They told 56 days or XXXX. Mind you, this is all over {$40.00}. I get paid from my new job tomorrow. They decided to close my account today - a day early. I called and they told me tough, can't help you, doesn't matter if info you got was wrong. Again, this is over {$40.00} which will be paid by the time you probably get back to me. This is absurd.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX of this year I received a IRS refund check in the amount of XXXX. I went to my local fifth third branch in XXXX North Carolina and opened up a checking account and deposited the treasury check. 

On XX/XX/XXXX the funds were initially released into the account but then on XX/XX/XXXX the funds were removed from the account. I went into the local branch where they told me that they had placed the funds on a XXXX hold time. 

On XX/XX/XXXX I went to log into my bank account and noticed that I had lost access to my online banking. I went to my local branch spoke with them and they instructed that I had to call the XXXX fraud number and speak to the fraud department. I called the fraud department while I was in the branch and the fraud department advised that they were holding the funds for an additional 45 days to do further verifications on the check. 

They are not holding the funds under any federal banking regulation but under a internal policy. 

On XX/XX/XXXX I received a letter from fifth third stating that they were going to be closing the account with no specific reason stated. 

On XX/XX/XXXX I called back into the fraud department to question this and all the fraud department stated was that even though they presented the check to the Treasury department and the funds have been paid to fifth third and that they are just simply holding them that they are suggesting account closure for whatever reason that they would not tell me. But even though that they were going to close the account they are still withholding my funds from me.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America was contacted by you on my behalf in XX/XX/year> and again at the beginning of the month and they refuse to send me proof they closed the account by letter as ALL other financial institutions and stores can easily do. Should I contact the state 's attorney general or Congressman to get you to help me force them to comply. This is ridiculous. See attached proof.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2024-07-18
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: FIFTH THIRD FINANCIAL CORPORATION (UT)

Didn't receive enough information to verify the debt, there was no investigation done, Pursuant to 18 USC 8 I owe no debt, This company is violating my consumer rights to privacy pursuant to 15 USC 1681 b2. Company has also NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 4
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I was trying to buy a house. I started this process in XX/XX/year>, then come XX/XX/year> my credit was ran again and Carrington mortgage is stating that I am delinquent as of XX/XX/year>. I have contacted Carrington. They said they have not sent anything to the credit bureaus. I even sent them proof of my credit report showing that is showing delinquent as of XX/XX/year> and they have yet to rectify this situation. This has also caused me to lose out on the house. I was trying to purchase.
Consumer complaint received 2024-07-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Complaint Regarding Unfulfilled Upgrade Welcome Bonus Offer and Poor Customer Service by AMEX In XXXX, I was assured by an AMEX representative that I would receive a welcome bonus offer XXXX points as part of my card upgrade. Despite this promise, I have not received the offer. From XXXX to XXXX, I contacted AMEX customer service multiple times. On four separate occasions, different representatives reassured me that the offer would be applied to my account, but this has not happened. 

This situation is deeply troubling as it feels deceptive and amounts to fraud. The repeated assurances followed by inaction and denial are unacceptable. During my most recent call, the representative not only denied the existence of the offer but also displayed a poor attitude and unprofessional behavior. One of the representatives I spoke with was named XXXX. 

I have recordings of these calls where the promises were made, and I request that AMEX re-listens to these recordings to understand the extent of the issue and the commitments made by their representatives. 

Supporting documents : Attached are recordings of the calls with AMEX representatives where the upgrade welcome bonus was promised.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (OR)

My debit card says valid through XX/XX/XXXX. On XX/XX/XXXX they cancelled my card as I went to use it - the day before going on vacation. I called customer service and they told me there's nothing they can do and would expedite a card ( despite me being out of town. 

That card never arrived. 

I contacted them on XX/XX/XXXX and XX/XX/XXXX via secure message and received the following response : Dear XXXX, Thank you for being a valued Discover ( R ) customer. I understand your concern and am happy to help you. 

I apologize for any inconvenience and will be more than happy to submit a feedback/complaint form on your behalf for our headquarters as well. I do regret to advise, that we do no have the ability to overnight a debit card nor do we have the ability to credit an account for time. However, we can ensure that we have the correct address on your profile here at this time and then review your account to see if we are within the correct timeframe for which our procedure will allow us to order you a new debit card. Upon review of your account, it looks as though we have only placed one debit card order for you that was unfortunately returned. We can move forward with ordering you a new debit card and expedite the order, as long as that address is not a po box address. I would like to advise our expedited timeframe for arrive sits at about 1-3 business days via XXXX. If you could reply with the confirmation of the correct address, We would love to get the new debit card generated for you. I thank you for reaching out to Discover Bank. I hope you enjoy the rest of your day. 

If you have additional questions, click on the Help section of the Account Center online or on the More option in the Discover Mobile App to review our FAQs. You also can reply to this message or call us at XXXX. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week. 

Sincerely, XXXX That card never came. 

I also contacted them earlier today in an attempt to get my card.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC. (SC)

I am writing to file a formal complaint against Citizens Bank concerning their handling of the mortgage assumption process for the property located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This issue has caused me significant distress and financial hardship, and I am seeking your assistance in resolving this matter. 

On XX/XX/XXXX, my mother passed away after a XXXX XXXX XXXX XXXXXXXX. During her XXXX and subsequent passing, I suffered from XXXX XXXXXXXX, which further complicated my ability to manage her affairs promptly. Despite these challenges, in the following year, I contacted Citizens Bank to initiate the process of assuming the mortgage for the property. 

Citizens Bank provided me with the necessary paperwork to assume the mortgage, which I diligently filled out and mailed back, along with all required documentation, including a copy of my mothers death certificate. Additionally, I visited the bank in person to ensure they received the death certificate and to confirm my intentions to assume the mortgage. 

Since XX/XX/XXXX, citizens Bank has failed to respond to my assumption paperwork. I have made numerous attempts to follow up, including sending multiple faxes of the documents, all of which I have confirmation receipts for. Most recently, on XX/XX/XXXX, Citizen Bank acknowledged receipt of my fax, yet I have still not received any further communication from them. 

The property is currently in disrepair, requiring significant maintenance such as a new roof. However, I am unable to obtain a HELOC to address these issues because Citizens Bank has not processed my mortgage assumption. Despite holding a claim deed and trust agreement indicating my sole ownership of the property, Citizens Banks inaction has left me unable to secure the necessary funds for repairs. 

In addition, Citizens Bank has clearly violated the Garn-St. Germain Depository Institutions Act of 1982 as well as other federal consumer protection laws. These laws require a bank to work with the surviving spouse of a family member who inherits a home with a mortgage, and in many cases, entitle to inheritor to assume the mortgage. Citizens Banks failure to adhere to these regulations has cause undue hardship and delayed the necessary transfer of mortgage responsibilities. 

This situation has caused me considerable stress and financial strain, and I believe Citizens Banks lack of response and failure to process my paperwork in a timely manner is both negligent and unjust. 

I kindly request the CFPB to investigate this matter and compel Citizens Bank to expedite the mortgage assumption process so I can obtain the necessary financial resources to maintain the property.
Consumer complaint received 2024-07-18
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Thaxton Investment Corporation (TX)

I have went through Covington Credit for loans. The last loan I have had through them I was unable to pay due to a number of reasons. After my brother passed in XXXX 2021, I went through XXXX XXXX XXXX to get help on paying bills/loans off and to start working on my credit. This company not only started to call me constantly ( they were harassing me at this point ), they would not work with us ( myself & XXXX ) to resolve this balance. This balance remains unpaid as of to this date because they just would not work with me. 
They have charged off my account on my report back in 2021 and then recharged off on my credit report not once, but twice this year alone. 

This company is horrible to deal with and should not be in business. I tried to get them taken care of but they refused to work with XXXX XXXX XXXX. I am afraid of reaching back out to them because of the endless calls received.
Consumer complaint received 2024-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.