davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-28
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. (AL)

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.

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 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GOLDMAN SACHS BANK USA (CA)

I have tried to dispute the following account after my U.S. Bankruptcy discharge in XXXX of 2023. I submitted a dispute to have it discharged but they have refused to change the status. This was their INACCURATE response : Item in dispute : Original creditor : APPLE CARD - GS BANK USA Original creditor : APPLE CARD - GS BANK USA Result : Not Changed Disputed information was verified as accurate from APPLE CARD XXXX GS BANK USA but that is INACCURATE. 
XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I'm not satisfied with this result Dispute reason : Accuracy This account is included in bankruptcy. This account is closed. 


Contact info APPLE CARD - GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX See current account details
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

I went to a Debt Consolidation Company, XXXX XXXX, and after paying them they were reporting on my Credit Report 3 Times. They were to use the Debt Consolidation Loan, and payoff the Credit Cards. Instead all of the Debt is still on my Credit Report.

Jefferson Captial is On My Credit Report, who I never did
business with along with XXXX XXXX. 


They are illegally reporting kn my Credit Report
Consumer complaint received 2024-10-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NC)

I am following up on my previous dispute regarding the collection account listed on my credit report under the account # [ XXXX ]. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA XXXX ( a ) ( XXXX ) ( A ). 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Letter to Capital XXXX XXXX XXXX ( XXXX XXXX ) XXXX ole XXXX XXXX XXXX, TN XXXX XXXX XXXX XX/XX/year> Re : Account Number [ XXXX ] Request for Pay-for-Delete & Goodwill Adjustment under FCRA To Whom It May Concern, I hope this letter finds you well. I am writing to respectfully request a pay-for-delete arrangement or a goodwill adjustment for the late payments that have been reported on my credit file in connection with the above-referenced account. Due to temporary financial difficulties, I was unable to meet my payment obligations during the relevant period. However, I am now in a position to resolve this matter fully. 

In accordance with Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I recognize your obligation to report accurate information to the credit bureaus. Nevertheless, the law also allows creditors the discretion to update or remove negative reporting, even if the information was accurate at the time it was reported. As such, I kindly request that you consider removing the late payments from my credit report as a goodwill adjustment, given my history as a loyal customer and my current willingness to pay the balance in full or agree to a payment plan.

Furthermore, Section 623 ( a ) ( 7 ) of the FCRA outlines your ability to notify the consumer ( myself ) if negative credit information is being reported. However, nothing in the statute prohibits your ability to assist a customer by removing such information as a measure of goodwill. This is particularly relevant in cases where the customer is working in good faith to resolve the balance. 

As an expression of my commitment to resolving this matter, I am prepared to pay the balance in full or negotiate a mutually beneficial payment plan. In exchange, I request that you remove the late payments from my credit report with the credit bureaus ( XXXX, XXXX, and XXXX  ). This would not only help improve my credit standing but also demonstrate XXXXXXXX XXXX  or XXXX  dedication to positive customer relationships. 

I believe that this arrangement is in both our best interests, and I look forward to your favorable response. Please let me know how we can proceed to resolve this matter efficiently. 

Thank you for your time and consideration.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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

XXXX  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 XXXX 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 2024-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (PA)

XXXX Hello, I am filing a complaint regarding Gemini, a cryptocurrency wallet for trading and adding digital currencies. XXXX XXXX, XXXX, etc. 

About three or four months ago, my Gemini account got hacked and unfortunately I had funds I wanted to get out. I could not access my account and customer service has not been helpful. 

Between XXXX to XXXX this year, I have had multiple attempts of someone logging into my account and taking money out. In addition, I was going through a financial hardship and had a lot of late payments. Due to the late payments, one of the banks put a hold on my credit score that basically didnt allow me to open any bank accounts. 

So local banks wont let me open new accounts as well as other online banks. 

According to Gemini policy, I can only do a wire transfer or a bank transfer. No credit or debit cards can be made. 

Out of all bank accounts to this day that I have opened, none of them qualify for withdrawal and I am unable to receive my funds. 

I was very disappointed with XXXX decision to close my account. As I mentioned, my account got locked due to hackers taking over. I have maybe a little over {$50.00} in there currently. 

What shocks me is that Gemini says I am unable to know a reason why my account was closed. So apparently they closed my account and never tells me the reason. They claim its due to policy and confidentiality. I have been trying for months to collect the rest of the money I have in Gemini. 

To this day, I am UNABLE to open any in person bank accounts due to a credit hold. Local banks are the ones that let me do wire transfers. 

In summary, Gemini closed my account, with about {$50.00} of my own money, and I am unable to retrieve it due to some policies. 

In addition, I am unable to create any bank accounts that would allow me to collect the funds. The only way I can get the money is through wire or bank transfer, which I can not do and is something out of my control.
Consumer complaint received 2024-10-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AZ)

Freedom Mortgage owns my assumed XXXX loan. I have spent dozens of hours dealing with their customer service in different ways to include phone and email. I have made it to some level of American based, supervisor -level Customer Service a couple of those times. Getting there is not easy and takes a long time on hold and three or four phone transfers each time I want to service my loan. 

My main problem is not having access to my online account to see its status, manipulate my loan payment days, its amount and frequency. I have been trying for the last 11 months to figure out why my first payment every month is not applied to my loan in any way until the second payment comes in. Approximately two months ago, I thought I solved this problem with the American supervisor-level customer service, only to find on my monthly statements that its not. 

I overpay my mortgage every month but the first payment is effectively held hostage for two weeks of every month. They are taking my money and not giving me interest or applying it to the loan! The whole point of paying early is to pay off my loan by paying off interest sooner. They call this bi-monthly payments and after talking with their supervisor this time, and being very frustrated and inquisitive, I found out that what Im trying to do is called bi-weekly payments. This information was not obvious on signing up for my loan payment options, and my frustration with this problem should be documented through their customer service experiences in the last year. But most importantly, finding that answer was not forthcoming until I became irate with frustration on the phone with the latest supervisor ( it wasnt her fault, its on the company ). 

In order to change this now, I have to go print a form, sign, and mail it. Before I got to her, they would only snail-mail it to me! Each of these options will delay my changes even further and disadvantages me from everyone else who has an online account, yet again. 

Freedom Mortgage will not give me any level of management or the IT department who is supposed to be the area taking care of whatever documents are in my account that need to be deleted ( from prior owner of my assumed loan ), so that I can have access to my online account. They provide zero ETA, zero solution, zero care and no way to contact IT. What they explain to me as being the problem shouldve been fixed in five minutes and in the first week of my loan ownership. 

Every step of the way with this company, since I made the offer on my house and initiated the assumption of this loan, has been painstaking. 100 days to close, unhelpful and mostly foreign customer service and zero care. I wouldnt have come to make this complaint if they made a decent effort and didnt stonewall me. Its seemingly taking advantage of XXXX loan customers.
Consumer complaint received 2024-10-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

This account is fraudulent and I would like this removed from my account asap. this collection is not mines.15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-10-01
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY (PA)

Open an account with this company but when I tried to go make payments I wasn't able to make an account without my account number so I contacted support for my account number and I wasn't able to get a response. I get a bill in the mail which has my account number and make my account I go to make a payment and notice immediately that I have late fees on my account I reached out to them again asking them why and to remove the late fees but they won't respond to me I've been trying to contact them for months I've called I've emailed and I even spoke to someone in HR department wasn't able to get to customer support at all or any responses now I see that the missed payment is on my credit report this company is fraudulently charging me late fees and they have no custom support to help me with the issue it is now affecting my credit score. I would like to demand that they remove the late fee so it comes off my credit report. 

There's a {$29.00} late fee on XXXX 's statement there is also a {$69.00} late fee on XXXX 's statement. I have emails proving that I reached out to TD Bank so I could pay my bill, these emails are dated before the late fees were applied.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect. 
Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion XXXX a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the XXXX grace period : According to my payment records, I made the payment on XX/XX/XXXX, which is well within the creditor 's XXXX grace period. The payment was not XXXX  days late as reported. 
Clerical error by the creditor : There appears to have been a clerical error in the way XXXX XXXX XXXX processed my payment for XX/XX/XXXX. I provided documentation showing that the payment was deducted from my account on XX/XX/XXXX, well before the XXXX late period. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and records from XXXX XXXX XXXX proving that the payment was processed on time and that no XXXX delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (FL)

On XXXX XXXX I made a payment for my auto insurance utilizing my cash app account to XXXX insurance company. The payment was processed and completed on my cash app. When state farm received the payment it was charged back to cash app. Ive made 3 claims with cash app to refund me the XXXX but all 3 request were denied. I did send cash app supporting documentation from XXXX insurance but they still did not accept those documents.