davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Commenity bank calls me at least 6 times a day Sunday through Saturday. The call before XXXX XXXX  and after XXXX XXXX  daily. I have asked them to stop calling me multiple times but they continue to call. I have tried to set up a payment agreement but they refuse. They have identified themselves as a 3rd party collection agency and apparently sold the debt within 30 days of delinquent payment
Consumer complaint received 2024-07-26
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. (IL)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ). 

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''
Consumer complaint received 2024-09-24
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. (OH)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX XXXX XXXX XXXXXXXX is aware and has proof in the attachment labeled as XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I am requesting the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report on XX/XX/2023 XXXXXXXX XXXX XXXX  Services Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-10-04
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (OH)

I made a one time purchase and the associate offered promotional financing so I applied and opened a credit card for the offer. No other purchase was ever made on this account. 

I setup auto pay so this would be paid off before accruing any interest. The promo plan term length was either an 18 month deferred plan. 

In reviewing my statement the promo plan was never applied. I called the bank and they refused to honor the promo plan that was sold to me. 

If it was not for the promo plan offer I never would have opened this account.
Consumer complaint received 2023-10-28
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. (GA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (FL)

Loan originated XX/XX/XXXX for {$7900.00} Auto payments started XX/XX/XXXX {$250.00} Auto payments ended XX/XX/XXXX {$400.00} Stopped by XXXX XXXX XXXX payments totaled {$5700.00} Loan was opened under acct # XXXX Loan was switched to an acct ending in XXXX sometime in XXXX without notification. 
Never received statements until XXXX Never agreed to a minimum payment scheduled, wanted to payoff loan in XXXX  months to avoid interest., bank determined the withdrawal amount, not me. 
Have been communicating with bank since XX/XX/XXXX to resolve, but only can speak to collection people who say they will look into it, but never do or do not respond. 
Have sent registered letter to president of Synchrony Bank with no XXXX Bank credits each XXXX late fee and interest charge, but does not communicate regarding settlement I have offered to pay {$2100.00} which is the principal balance but have received no communications Bank calls daily for me to pay past due, but I refuse until they communicate on resolution of my complaint and accept my payment offer.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with EQUIFAX 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 in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts, inquiries, inquiries, addresses, and phone # be verified or deleted immediately. 

Accounts TO BE REMOVED : XXXXXXXX XXXX  ( FRAUD ) Balance : {$36000.00} Date : Last reported XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : $ Date : {$1000.00} Last reported XX/XX/XXXX, XXXX ( FRAUD ) Balance : {$0.00} Last report Date : XX/XX/XXXX, XXXX XXXX XXXX XXXX ( FRAUD ) Balance : {$730.00}, {$430.00}, {$450.00}, {$740.00} Last reported date : XX/XX/XXXX, XXXX XXXX XXXX ( FRAUD ) Balance : {$3900.00} Last Reported date : XX/XX/XXXX, Dept of Ed ( FRAUD ) Balance : {$4000.00} Last Reported date : XX/XX/XXXX, Office of The Atty GEN ( Fraud ) Balance : {$0.00} Last Reported Date : XX/XX/XXXX Addresses TO BE REMOVED : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Thank You, XXXX XXXX
Consumer complaint received 2024-09-24
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Reporting Inaccuracy by Equifax under FCRA Dear CFPB, I am writing to formally report what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax regarding the inaccurate reporting of my XXXX XXXX XXXX  ( XXXX  ) account. The account is currently listed as a charge-off, which is incorrect. 

In a recent phone conversation with ACA, I was informed that this account is not a charge-off. Furthermore, XXXX XXXX XXXX XXXX Department confirmed that the reporting for this account is accurate and should be listed as " settled for less than owed '' with all three credit reporting agencies. Under the FCRA, if an account is reported inaccurately, it must be removed from a consumer 's report. 

I will be uploading my conversation with ACA, which clearly indicates that the account in question is settled and does not state that it is a charge-off. This documentation supports my claim that Equifax is in violation of the FCRA by failing to report the correct status of this account. 

I kindly request that the CFPB investigate this matter and assist in rectifying the inaccurate information being reported by Equifax. This is clearly a violation of the FCRA, reporting inaccurate information in my consumer report. 

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

Sincerely,
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone tried to purchase a car loan in my name and it was not me.they tried over ten dealerships, banks, and financial institutions all was not authorized by me. All have hard inquiries that have affected my credit in a negative way.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OR)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (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. 

Account name : 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 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2023-10-04
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. (OK)

On XX/XX/ I requested information to validate the alleged debt that has been report on my credit profile. 
It is now XXXX XXXX XXXX  and I have not received this information as requested.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (OH)

Can't believe what just occurred so be careful with FNBO so they don't take advantage of you. We go to a restaurant once or twice per month and on XXXX occasions I played {$10.00} of XXXX. Got my credit card statement and noticed the charge of {$10.00} but then a separate charge of {$15.00}. Called the XXXX XXXX XXXX to ask what it was and they explained that they consider XXXX a XXXX XXXX and would not waive the {$15.00} fee. I have had this card for 28 years and use it frequently. Never a late payment and yet they will still not waive the fee. FNBO manager was rude to say the least. {$15.00} dollar fee on a {$10.00} charge is like going to a loan shark. Be aware! 

Never received a cash advance and charging a fee of 150 % is simply wrong.
Consumer complaint received 2024-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (SC)

PennyMac raised my mortgage amount from XXXX  monthly to XXXX  monthly. This was done without notice to me. PennyMac states they mailed a letter to me which was not received and there were no other messages. When I found out about this, I discovered that my homeowner 's exemption had elapsed. I immediately updated the info with my county accessor and furnisehd the new information to PennyMac. Their response was to tell me there was a negative balance on my escrow account which was caused by the incorrect taxation amount. I paid off the negative balance and requested that they close my escrow account and adjust my payment accordingly. I created new monthly deposits to my savings account to cover yearly tax and insurance amounts. 
Today I received a letter which stated they would not close my escrow account because my loan to value ratios were not met. In a message on their message center it read as ; Dear XXXX XXXX, We apologize for the delay in responding to your request. Unfortunately, we are unable to approve your request to delete the escrow account at this time. The reason for the denial is that your current Loan-to-Value ( LTV ) ratio of 85.93 % does not meet the minimum requirement for escrow removal, which is an LTV of less than 80.00 %. We understand that this may not be the news you were hoping for, and we apologize for any inconvenience this may cause. Please let us know if you have any questions or if there is anything else we can assist you with. 
I replied with the following ; Good afternoon, I received a letter today regarding my request to close my escrow account. Perhaps not surprisingly, I never received a direct reply to my messages in the message center. I was informed in your letter that Pennymac will not honor my request to close my escrow account. I also see that my current escrow amount has not been updated as previously requested multiple times, in spite of having paid off the negative balance. The letter states that my request was not honored because my loan to value was not met. In this case please give me your numbers on my loan to value. VA loans do not require an escrow account. VA loans also only require a loan to value of XXXX percent. I expect an answer immediately, or my next communication will be to the Consumer Financial Protection Bureau to file a complaint. 
To date PennyMac has not adjusted my mortage payment to reflect the paid off negative escrow balance and they are refusing to honor my request to close my escrow account. My loan is a VA loan and according to information available on the web the loan to value amounts need only be XXXX percent for no escrow and VA loans do not require an escrow. Unfortunately, with interest rates higher than when I purchased I can not refinance with an XXXX, which I would have already done if the interest rates were the same or lower than my current rate. I would only refinance with the stipulation that PennyMac never service my loan.