davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NY)

I've paid XXXX on time and more than the minimum for a year or more. Apparently, they went into my credit report and found that I had been given two new credit cards attached to airlines which I accepted so that I could get the bonus miles. Without warning XXXX, actually, Comenity bank which handles XXXX too many retail cards and should be checked for monopoly, lowered my credit limit. No biggie BUT this set off a domino effect because once they did that, my FICO dropped MASSIVELY. So essentially I'm penalized for paying XXXX on time. This is madness and should be illegal. I will fight this all the way because it's simply XXXX. Also, and get this, because they lowered the limit DRAMATICALLY, the current amount now puts me at 90 % usage of the card making me look like a crazy person which also impacts my credit score. And again, I have done nothing wrong! MUST have help with this. So very, very, very unfair.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I opened my online checking account with US bank on XX/XX/XXXX. My partner ( XXXX XXXX ) performed an external transfer of {$3000.00} from her XXXX account to my US bank account on XX/XX/XXXX. On XX/XX/XXXX, US bank closed my account citing potential fraud as the concern. US bank has not returned any of my money and has not provided any instructions on steps I can take to get my money back. They are holding my money and I am getting afraid they are performing fraud and stealing customer 's money. 

Since XX/XX/XXXX, I have contacted both the remote call center support staff over 10 times. Each time I call, the call center staff say I need to go in person to talk to the branch manager. 

As a result, I have also gone in person to the XXXX XXXX branch and spoke to the branch manager ( XXXX XXXX ) over 10 times. The branch manager has said that they need to follow a " process '' to get my money back. When I ask her to expand on the process, she says that US bank 's risk team needs to wire the money back to my partner 's XXXX account. This is great, but it has been FOUR months since US bank has taken my money and they have not contacted my partner or I once. My partner has NOT received any reimbursement of the {$3000.00}. 

I have been calling the US bank manager continuously to see if there is any new updates. Every time I call and ask her questions, she tells me to " wait for US bank to follow their process ''. She is incredibly vague and unhelpful. It has been over FOUR months since US bank has taken my money and I have not heard a single update from the company. 

Please help me investigate this and get my money back. This is not okay. I need the money to be able to afford my mortgage and other expenses. US bank should not be allowed to steal their customers money. Thank you. 

Below I have attached my partner 's claim to XXXX asking if US bank has initiated any transfers back to her. In her claim it also shows the original {$3000.00} she sent to my US bank account.
Consumer complaint received 2024-08-29
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. (TN)

I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The creditor, Bank of America, has reported a late payment on my XXXX, XXXX and XXXX credit reports. In accordance with the Fair Credit Reporting Act this creditor is violating my rights under 15 USC 1681 section 602, which states that I have a right to privacy. 15 USC 1681 section604 ( a ) states that a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 USC 1681b ( 2 ) and pursuant to 15 USC 1666b, " a creditor may not treat a payment in a credit card account under an open end consumer credit plan as late for any purpose. '' I demand that the late payment be immeditely updated to PAANL ( pays as agreed, never late ) and OK, according to the U.S. laws.
Consumer complaint received 2024-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

XXXX8 U.S.C. 1028, also known as the False Identification Crime Control Act, is a federal law that prohibits fraud and other activities related to governmental identification documents. The law covers 10 prohibited acts, including : Producing or transferring false or unauthorized identification documents
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2024 they withdrew XXXX out my account.. They breached the contact and asking for more money to move my stuff I requested for my deposit back came XX/XX/2024 they sent a receipt statement for my refund. 
I have proof that I was informed that refunds were being processed. However, I never received the funds. The company initiated a refund but then charged my bank card again without my authorization. When I contacted the bank, the funds were never received. Please see my bank statements. This is credit fraud and unauthorized charges from my banking account
Consumer complaint received 2024-07-30
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: GOLDMAN SACHS BANK USA (CA)

1 ) XXXX 's website states I have 2 payments that are 30 and 60 days late within the last 9 months. I spoke with XXXX a few months ago to file my dispute but no information has been corrected on the website since then. The actual credit report shows that there are no late payments ever in the history. 

2 ) In addition, there are 2 credit cards listed as having been discharged through a XXXX  XXXX Bankruptcy ( Apple Card and XXXX. NO consumer debt was included in the bankruptcy filing because all consumer debt balances were at {$0.00} at the time of filing. The XXXX XXXX was business related, not consumer related. Written proof of the legal paperwork for the Bankruptcy filing was provided to both creditors in XX/XX/XXXX. ( see attached letters ). I sent written proof to both GS Bank and XXXX in XX/XX/XXXX. 

3 ) XXXX has yet to include my personal statement regarding the bankruptcy which contained a detailed explanation behind the XXXX  XXXX filing on the actual credit report. I provided all of this information to XXXX in XX/XX/XXXX.
Consumer complaint received 2023-11-30
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. (MI)

On or around XXXX XX/XX/XXXX I filed complaint XXXX regarding an XXXX XXXX account ending XXXX in my Equifax credit file XXXX As result, Equifax disputed the payment history. Equifax responded on or around XXXX XX/XX/XXXX claiming XXXX verified the prior payment history was being reported accurately. XXXX has been notified directly of the issue with the prior payment history on multiple occasions, the last of which was in CFPB complaint XXXX. XXXX provided a table of the payment history they are furnishing for the account in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. That table shows payment history and payment status that any reasonable individual would conclude is false/misleading/inaccurate on its face. No account can change from being thirty ( 30 ) days to one-hundred twenty ( 120 ) days past-due over the course of a single billing cycle, ironically the number of days after-which XXXX would then be able to charge-off an account. Moreover, if XXXX alleges the account was charged-off on or around XXXX XX/XX/XXXX, then no reasonable individual would expect XXXX to XXXX information claiming a Date of First Delinquency of XX/XX/XXXX, and reoport a charge-off for the first time neraly two ( 2 ) years thereafter in XX/XX/XXXX. By law, XXXX was required to report the status of the account to the CRAs with the correct delinquency information leading to charge-off not more than ninety ( 90 ) days after the change from balance to loss. Yet, that is not what the table of payment history XXXX provided indicates. It shows the status first reported XX/XX/XXXX. Just because XXXX verifies the information it is reporting is accurate doesn't make it accurate, especially if a reasonable individual can clearly examine the information and identify why the information being furnished is inaccurate. XXXX knows or has reasonable cause to believe the information it is furnishing is false/misleading/inaccurate. Equifax has a duty under the FCRA to report accounts with maximum possible accuracy and to remove information, even whole accounts/tradelines that are erroneous. There is no reasonable explanation Equifax can provide that argues false/misleading/inaccurate data is " accurate. '' Now, Equifax claims in the response they provided non-monetary relief, claiming " Equifax reviewed the complaint, relevant documents, and completed an investigation where applicable. '' If that were true, then Equifax would clearly see why the account/tradeline needs to be removed and promptly remove it because the data is false/misleading/inaccurate on its face. Equifax has provided zero ( 0 ) relief as the account/tradeline continues to report the same false/misleading/inaccuarte information.
Consumer complaint received 2024-08-04
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 2024-07-30
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: Union Home Mortgage Corp (KY)

I would like to talk about the difference between a hard pull inquiry and a soft check on your credit. So, imagine this youre looking into getting a mortgage and you just want a quick estimate of what your rates might look like. You specifically ask for a soft pull on your credit, which shouldnt affect your score. 

But then, the mortgage representative goes ahead and does a hard pull without your consent. This not only affects your credit score but also shows up as an inquiry on your report. Its frustrating and can be damaging to your overall credit health. 

It's Important to know your rights and make sure youre clear with any financial institution or representative about what type of check you want. A soft check is just a surface-level look at your credit, while a hard pull goes deeper and can impact your score. 

In my opinion, trust is key when it comes to dealing with financial matters. If someone doesnt respect your wishes for a simple estimate and goes ahead with a hard pull, its definitely a red flag. So, always be vigilant and make sure youre in control of your own financial information. 

When I confronted XXXX he continues to tell me that's just what he needs to do to protect himself and it only took my score down a couple points. If he was unable to give me a rough estimate without putting a hard inquiry on my report, he should have given that information upfront and I wouldn't have declined. 

The representative name was a senior loan originator with union home mortgage named XXXX.
Consumer complaint received 2023-11-30
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. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective emmediately. 
I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 
Please help me delete these illegal accounts from my credit reports
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (MD)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX AMOUNT {$510.00}, US DEPT OF EDUCATION ACCT XXXX, JEFFERSON CAPITAL SYSTEM ACCT XXXX AMOUNT {$970.00}
Consumer complaint received 2024-07-08
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. (GA)

This complaint is in regards to the consumer report belonging to XXXX XXXX XXXX XXXX. There are XXXX inquires on my credit report that I did not authorize. The first is an inquire I received from XXXX XXXX XXXX ON XX/XX/year> and the second inquire being XXXX XXXX XXXX on XX/XX/year>. I DID NOT authorize any of these inquires on my consumer report. Furthermore the XXXX XXXX XXXX negatively affected my score causing it to drop down XXXX points. I have attached a correspondence I received from XXXX of them notifying me that my XXXX score decreased XXXX points. This occurred on XX/XX/year> the same day that the XXXX XXXX XXXX inquire showed up on my credit. Furthermore the FCRA proclaims that if I did not authorize this on my consumer report it must be removed. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) As u can see the FCRA states clearly that if a consumer does not authorize the reporting of an item to their consumer report it must be removed. I am demanding that these XXXX inquires in regards to XXXX XXXX XXXX and XXXX XXXX XXXX be removed from XXXX XXXX XXXX XXXX XXXX file immediately.
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OH)

Mohela has horrible customer service. Wait time is ridiculous 45 minutes to 1hr. Placed on hold multiple times after speaking to a representative. If you ask to speak to a Supervisor I was told that I would be on hold for hours. Also, I'm being told different information when I call about my PSLF payment that have not been updated. This is the worst company to service student loan accounts. I will be looking to transfer my loans to a different servicer.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

On XXXX, I received an email from US Bank about Savings Loyalty Bonus Offer ( XXXX XXXX ). It stated that I will receive {$300.00} bonus if I deposit {$15000.00} or more in new money from an external source into my existing savings account by XXXX and keep it in the account until XXXX. 

I transferred {$15000.00} from my XXXX XXXX  account to my US Bank savings account on XXXX and maintained it until XXXX ( XXXX  XXXX ). According to " the terms and conditions '' from US Bank, {$300.00} should be credited into my savings account no later than XXXX. However, I still have not received it. 

On XXXX, I used the online chat room from US Bank to talk to a representative named XXXX, she told me to contact them later if {$300.00} bonus is not credited on XXXX. 

On XXXX, I called US Bank hotline at XXXX. Representative named XXXX confirmed that they will get back to me within three business days. However, nothing happened yet.
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

XX/XX/XXXX we submitted a purchase contract to Nationstar Mortgage for consideration on a short sale. we requested HAFA consideration and we were told the file would be processed as HAFA. Nationstar countered the offer we submitted and we accepted the counter. the price was XXXX when the purchasers lender appraised the property he found problems that required an adjustment to the price. the appraised value was XXXX when we submitted the appraisal for valuation consideration Nationstar came back XXXX higher than the counter XXXX they initialed countered to us. 3 weeks ago they ordered another BPO and we have been trying to find out the value they have assigned to the property. I have called and emailed several times and keep getting the run around on this short sale. the seller can not make the payments and this home is destined for foreclosure unless they get moving on the determination.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (SC)

I tried to do these disputes online but it wouldnt go through. So then I tried to call but I couldnt get ahold of someone. All I ask is to dispute these transactions that are not mine and issue me a new card please XXXX XXXX XX/XX/year> {$270.00} XXXX XXXX XXXX XX/XX/year> {$50.00} XXXX XXXX # XXXX XX/XX/year> {$55.00} XXXX XXXX XXXX XXXX XXXX ... XX/XX/year> {$65.00} XXXX XX/XX/year> {$200.00} XXXX XXXX XXXX ... XX/XX/year> {$52.00}
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (FL)

This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX XXXX agency, block information appearing on my consumer credit report that is result of identity theft an fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XX/XX/XXXXaccount # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX '' XXXX '' account # XXXX all XXXX XXXX XXXX account # XXXX are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from XXXX FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX " XXXX '', XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 2024-07-08
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: EQUIFAX, INC. (GA)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX 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 Please remove it from my credit report.. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART XXXX [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX  XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!