davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In XXXX of XXXX ( last month ), Experian reported an incorrect late payment and or missed payment on an account that was closed and paid in full. In other words they reported a false late payment on an account that had no balance and with a closed status. 
The account was from XXXX XXXX XXXX cards. The last activity that was reported by XXXX XXXX was in XX/XX/XXXX. There should be no other activity on the account.
Consumer complaint received 2024-06-15
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)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$350.00}
Consumer complaint received 2024-06-15
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: Experian Information Solutions Inc. (MA)

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I have also attached evidence. 


XXXX XXXX - Inquiry Date : XX/XX/year> XXXX XXXX XXXX - Inquiry Date : XX/XX/year>
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. 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 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 my accountto 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. XXXX XXXXXXXX XXXX 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2018-03-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (GA)

I have a mortgage with Nationstar now known as Mr. Cooper. I was filing an appeal regarding my taxes and since I had not had my appeal hearing the taxes due were 85 % of the possible taxes due. Nationstar paid this amount. Early XX/XX/XXXX as a result of my appeal there was an additional amount due of {$240.00} due. I received a past due bill from the county.  I contacted my mortgage company on XX/XX/XXXX and was given an address to email the bill and was told it would be taken care of. Well it hasnt. I called back about 10 days later and spoke to a XXXX who advised that she had escalated it and that it would be taken care of by XX/XX/XXXX.  Still not handled. I called yesterday XX/XX/XXXX and spoke to XXXX. She said I didnt have any past due taxes. I explained the situation to her again and she advised that if it was approved it would be paid within 5 days. I asked to speak to a manager. I spoke to XXXX and she advised that she would send the information again and that it would take 5 days but told me that she would contact me today. I heard nothing. I have an escrow account with them and they are not taking care of this issue.
Consumer complaint received 2024-07-03
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: EQUIFAX, INC. (FL)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (CA)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-05
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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 2024-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (NC)

Cant get exact dates and money because I cant view much due to restriction they placed. To sum it up put around {$600.00} total into a account with Skrill. Spent about {$300.00} online. When I tried to use it again they restricted my account which had {$300.00} left in it. Told me it needed to be reviewed and would take between 24 and 48 hours to be contacted on how to resolve. That never happened. Tried calling, said I wasnt allowed to speak to them until they reviewed. Waited a week still nothing. Sent a email got same story of how it needed to be reviewed. Tried using the chat bot and it said to click here to call and I couldnt. I guess there strategy is to wait me out until I forget, I have no idea. Im a financially stable, hard working, tax paying citizen. I live my life by a code and to try and help others and to me this was truly negligent and immoral business practices. Im just glad I dont need money for a emergency and dont want this to happen to anyone else. Filed a complaint with XXXX  now your department. Would take any help or advice to help me resolve this. Thanks for your time.
Consumer complaint received 2024-09-30
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. (OH)

**Subject : Complaint Regarding Charged-Off Accounts** Dear CFPB, I am writing to express my frustration and sadness regarding the handling of XXXX charged-off accounts on my credit report : XXXX XXXX account and JPMCB AUTO. These accounts have been reported beyond the allowed time, which is a violation of **Section 605 ( 15 U.S.C. 1681c ) **. 

I am also concerned that they are violating **Section 611 ( 15 U.S.C. 1681i ) ** and **Section 623 ( 15 U.S.C. 1681s-2** ). I have been disputing these same XXXX items for the last XXXX  months, and despite my efforts, no updates or corrections have been made. This situation has left me feeling powerless and deeply affected my financial well-being. 

I kindly request that you review this matter in detail and help facilitate the immediate deletion of these inaccurate accounts. It is disheartening to continue facing these challenges, and I hope for a resolution soon. 

Thank you for your attention to this matter.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TN)

Today XX/XX/year> i transferred XXXX in to my account making my balance XXXX i spent XXXX dollars and my balance is now XXXX. I have the alerts it tells me what I spend and when it comes out. I called the bank and they are trying to tell me its a pending charge that came out however it did not come out today I have no alert and I have never swiped my card and something come out days later. I looked at my card before I used it at the gas station and know the balance before and what it was supposed to be after I have XXXX dollars missing. they hung up on me and told me they cant help me any further because I wanted to speak to a supervisor
Consumer complaint received 2024-08-21
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: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I received two email notifications from my banking institution regarding suspicious activity that had occurred with my debit card. One charge was for {$300.00} to XXXXXXXX XXXX and the other charge was for {$230.00} to XXXX XXXX XXXX. I was out of the country from XX/XX/XXXX through XX/XX/XXXX. I also set Travel Notifications with my banking institution informing of my out of the country travel and that the card that was compromised was with me. Because of the amount of both of the fraudulent charges, my account was left with a negative balance. Provisional credits were placed on my account for both fraudulent charges, however on XX/XX/XXXX, I received two notifications from my banking institution stating that the credits were going to be reversed on XX/XX/XXXX because they couldn't find any proof of fraud. I have been sending proof and speaking with representatives pleading for them not to take money from my account on XX/XX/XXXX for charges I didn't make. I NEED MY MONEY FOR BILLS AT THE END OF THIS MONTH. One of the receipts read that valid ID must be presented along with ticket to enter the park. My ID was with me out of the country! Additionally, although the culprits have my contact information and the card they used, the email address listed on the receipts does not belong to me. Also, one of the receipts list an IP address and the internet provider in which I am not associated with. My name is listed as guest visiting both parks. No way! I was out of the county and did not consent to anyone using my debit card. I am reporting this in hopes that your organization can help block money being deducted from my account at the end of this month. I have lots of documentation I am willing to provide. Please HELP! Also, the compromised card is no longer active. It was shredded at my institution and a new card issued.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Account was forced closed by Bank of America.Bank of America charged off my account which was a violation of 15 USC 1601.Then information was provided to a third party XXXX XXXX which is violation of 15 USC 1602p.Bank of America denied access to my securities 12 Usc 1431.Bank of America violated The Equal Credit Opportunity Act also Consumer Credit Protection Act. By reporting information to Third party XXXXXXXX XXXX  caused a violation of 15 USC 1611 false misleading denial of credit at other financial institutions. Which in part caused denial in consumer transaction of unlimited credit.
Consumer complaint received 2024-08-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have found numerous disputes with this company and also with Transunion, XXXX, and XXXX and they have failed to honor my dispute. I have requested a debt validation the company it self XXXXXXXX XXXX XXXX sent me a bill instead. They failed to provide me with a purchase agreement and anything showing my wet signature showing proof this alleged debt is mine. I recently learned that this company is not allowed to license to collect in my state of GA but, here they have not even honored any of my requests Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and 15 U.S.C. 1692g. This is an illegal practice and if they continue to report and send me letters stating this is my debt I will have no other choice but to file a lawsuit against XXXXXXXX XXXX for unfair practice. 

This is not my account I have also filed an Identity theft report regarding this debt, and mailed it out to all three credit bureaus and XXXXXXXX XXXX but, I have not received a response as of today.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NJ)

Purchased something from an online store that belonged to my friend. Their store got frozen/shut down for no reason whatsoever and the company refuses to unfreeze the money. As a result, I didnt get the item I paid for and my friend didnt get my money. The company, XXXX, refuses to help or respond. As a result, I am demanding a refund from Affirm, as I did not get the product I purchased and will not be paying the loan.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

The portfolio recovery company reported to XXXX on XX/XX/year> that I have a debt of loan type Factoring company account for {$530.00} that is not mine. I am a victim of identity theft thanks to a leak from XXXX earlier this year including and old address where I have not lived in more than 20 years. The creditor was Synchrony Bank which authorized a loan on XX/XX/year> that does not belong to me. I have perfect clean credit, but due to the portfolio recovery showing this on my credit report until XXXX I need to make sure this is corrected from my credit report and completely removed. 
I am not responsible for this debt, and I hope this can be fixed as expeditiously as possible.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was a victim of ID theft. As a result numerous credit card accounts were opened w/t my knowledge, permission and authority. 
Despite contacting credit reporting company numerous times, nothing was done. 
Transition keeps reporting old and incorrect information that affects my XXXX  my Family well being.. 
I'm unable to get proper credit rating XXXX being denied loans, mortgages, credit cards...
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (WV)

Synchrony Bank took over this account from XXXX XXXX XXXX XXXX ( Ally ) and has been mismanaging my account ever since. I have made 100s of phone calls and sent emails to the corporate headquarters. Company claimed they did not receive a payment but in fact did based on evidence from the bank. A second payment ( contract ) was agreed to provided they properly credited a payment to the next month when they finally credited the first payment. A statement for XXXX was also not received. According to USPS informed delivery the bank did not mail the statement as of yet. As of today, this bank has to properly credit two payments and mail me XX/XX/year> statement
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I was a victim of Identity theft. NYPD police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I was a victim of Identity theft. XXXX  police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I was a victim of Identity theft. XXXX  police report number XXXX ( and others ) were filed. 
Negative information is still being reported regardless of anything. 
Accounts with over XXXX XXXX XXXX years still show up on my report and company won't remove it. 
I respectfully request your assistance in removing all negative information off my report ASAP. 
Negative information that is incorrect being report for a very long period of ti.e and affecting my personal and Family well-being. 
Numerous attempts as well as hiring professional companies to do so to remove negative information yielded negative results. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (KY)

On XX/XX/XXXX, I contacted CFPB for assistance due to my mortgage company, Shellpoint Mortgage, refusing to remove lender placed insurance fees from my mortgage payment even after I provided proof of my own homeowners insurance policy in XXXX, XXXX. 

In my CFPB complaint, I requested that Shellpoint refund me the approximately {$600.00} more per month they have been charging me ( adding on to my mortgage payment ) for a lender placed policy for the past XXXX XXXX months. CFPB gave a complaint case number of XXXX. 
Today, XX/XX/XXXX, I received a letter from Shellpoint falsely alleging that I had recently inquired with them to find out who the owner of my mortgage loan is. 
I never inquired with Shellpoint about who the owner of my loan is as I have been under the impression all this time that Shellpoint / Newrez is the owner of my loan because they have held themselves out to be. 
In the Shellpoint letter I received today ( XX/XX/XXXX ), it states that XXXX XXXX XXXX is the owner of my home loan. 

I want Shellpoint / Newrez and Metropolitan Life to explain to me why I was never informed that XXXX XXXX XXXX owns my home loan. Please see the attached letter I received from Shellpoint today ( XX/XX/XXXX ). 

Shellpoint has never provided me with a refund for continuing to charge me the extra {$600.00} - {$700.00} per month for a lender placed policy I didnt need as they have had my homeowners insurance policy information since XXXX, XXXX. My mortgage payment should only be {$690.00} per month, not {$1300.00} + per month. Please give me guidance on what other Federal Agencies can assist me on this situation in which I am being abused and taken advantage of by Shellpoint Mortgage.