davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2023, I received a statement for my mortgage for the upcoming XXXX XXXX 2023 payment, and it incorrectly reflects what I am supposed to owe. I have a fixed rate mortgage and there is NO ESCROW on my account. I have told the company about this and they have not properly fixed my account since they purchased it in XXXX. Even though I have paid them the proper amount exactly on time every month, for some reason this month they are charging me {$74.00} extra for " escrow '' fees which I don't have. At this point I feel as though I am getting harassed by attempts to get me to default on my loan. This company also doesn't allow me to submit for auto-payments which again feels like an attempt to get me to miss a payment. 

My fee due for XXXX should be the same as this past XXXX, XXXX, XXXX, XXXX, and XXXX. Its simple. 

Also, the statement says there is a negative {$890.00} in my Escrow Balance. I have no escrow so that should be {$0.00}. There has never been one. I pay my taxes independently and property insurance independently. 

Thank you.
Consumer complaint received 2024-05-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/XXXX when calling, again, to resolve the outstanding balance, I was transferred to another service department. After the transfer, I was told that I had insurance in place for my account which is referred to as Account XXXX. Then given a an XXXX number to call, XXXX. When I called that number, a woman named XXXX answered and told me that the account did, in fact, have account assure in place. She then proceeded to ask me very detailed information regarding the issues regarding payment, medical information, employment, periods of unemployment, and a history of the last several months or when any of these issues would have started. AFTER giving her this information, the woman then said, no, you dont have this service on your account and it was removed in XXXX of XXXX. 

When calling back to get the balance due and resolve the problems with the account, the excessive fees associated with the account because of the account assure not being applied to the account in XXXX of XXXX - I was hung up on several times.
Consumer complaint received 2023-08-31
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)

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 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a mailer in the mail from Fifth Third Bank stating that if you open a new Momentum Checking account and fund it with {$15000.00} and keep the balance for 90 days, you will get {$600.00} bonus. 

I went to the nearest branch of Fifth Third Bank at XXXX XXXX XXXX, XXXX, IL XXXX on XXXX and met with XXXX XXXX, Retail Personal Banker ( XXXX ) XXXX and provided the offer code flyer. Accordingly, she opened my Fifth Third Momentum Checking account and funded with {$500.00} intially and further deposited {$15000.00} on XXXX fulfilling the funds requirement. I kept the funds for 90 days and I am still maintaining the balance of {$15000.00} as on date but bank has failed to deposit the bonus amount of {$600.00} even after 6 months. 

I went in person several time to the branch & met with XXXX XXXX ( Retail Personal Banker ) and XXXX XXXX XXXX ( Personal Center Manager ) several time and complained about it. They have promised to resolve the issue & credit {$600.00} bonus but nothing has been done so far. 

I have left messages for both XXXX XXXX and XXXX XXXX XXXX several times but no one has bothered to return my calls. I was made to wait for more than XXXX hours by XXXX XXXX XXXX XXXX in first week of XXXX when I visited but did nothing to resolve the issue. I called Fifth Third Head Quarter for help & they transferred my call to branch and I left a message for XXXXXXXX XXXX XXXXXXXX & they did not bother to call me back. 

I have come to the conclusion that bank staff has been harrassing me as a consumer and not willing to resolve my issue of {$600.00} bonus as per the banks offer. I humbly request you to investigate the matter, bank staff and bank 's practices to stop the harrassment of small consumers from corrupt practices of BIG BANKS.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-08-01
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. (PA)

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a collection a collection account. 

ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am saubmitting this CFPB complaint to express my utmost dissatisfaction with the inaccuracies present in my credit report. After carefully reviewing my credit report, I have discovered numerous errors that are severely impacting my credit score. This level of negligence is completely unacceptable, and I demand immediate corrective action to rectify the erroneous accounts, in strict accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As the Credit Bureaus are undoubtedly aware, Section 611 of the FCRA places the responsibility squarely on your shoulders to ensure the accuracy and timeliness of the information contained within credit reports. I have fulfilled my obligation by promptly bringing these inaccuracies to your attention. It is now your duty, as mandated by law, to promptly investigate and rectify these errors within the legally prescribed timeframe of 30 days. The errors that demand immediate attention include, but are not limited to : XXXX XXXX XXXX XXXX with a Balance Owed of {$810.00}. Therefore, I urgently implore the Credit Bureaus to take immediate and decisive action to rectify this dire situation by expunging the aforementioned account from my credit report without any further delay. I trust that the Credit Bureaus will execute the necessary measures to enforce strict compliance with the FCRA and ensure the protection of consumer rights.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

My account is pending closure which is fine, i have absolutely no access to my funds I am 3 months lregnant to no cash access and citibank is withholding my funds up to 60 days i have no money to live off of and they di not seem to care about this issue i needs funds to be release
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 2024-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. ACCORDING TO LAW 605B it is illegal to report my information on my credit report without my permission.
Consumer complaint received 2023-12-26
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)

Ive noticed some fraudulent info linked to my identity. Some accounts and transactions have been wrongly tied to me, causing a lot of worry. Ive fallen victim to identity theft and have reported it. This issue needs quick attention as its harming my finances and reputation. I kindly ask for your help in quickly removing all false info from my credit report and thoroughly investigating this. Im ready to provide any needed evidence and, if necessary, take legal action to protect my rights and get proper compensation. I appreciate your immediate attention to this urgent issue.
Consumer complaint received 2024-05-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC (PA)

On XX/XX/XXXX, I went to the Carvana website to find a replacement vehicle. The application was submitted by me after finding the vehicle. I paid {$2000.00} in downpayment to their lending source, XXXX. Carvana is where I bought my first vehicle. It was a seamless process with no problems. As a matter of fact, both of my parents made purchases from Carvana. As a result, there is familiarity with the process. Upon submitting the necessary documentation, I encountered a problem with my insurance information. My family ( mother, father, brother, and myself ) are all on the same policy. The declaration page displays our names. After removing the damaged XXXX XXXX, the XXXX XXXX XXXX was entered. The XXXX was given a temporary insurance card. The insurance company, XXXX XXXX, has my mother as the policy holder. Regrettably, Carvana was dissatisfied with the insurance information. Once again, they had received a declaration page. The XXXX XXXX 's documentation on the page was the problem. I spoke with numerous representatives at Carvana, but it still was not acceptable. Despite this, a representative tried to sell me Carvana 's car insurance. Yes, Carvana is now in the insurance sales business. Around XXXX EST, I received a text message stating that they had cancelled the deal and that my money ( {$2000.00} ) would be refunded within XXXX business days. 
I attempted to contact Carvana, but they blocked my number. I was able to get in touch with XXXX a Carvana associate, by using my mother 's phone. I explained the situation to her. She was very apologetic. However, she stressed that Carvana would not release my money for several days. I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that Carvana had received XXXX complaints in a XXXX period. Many have to do with the cancellation of the contract and the holding of the down payment money. 
Carvana 's process creates an atmosphere of fraud and deception. They take funds before full approval and then hold onto any money that should be properly reimbursed. Unethical and unscrupulous business transactions on behalf of Carvana.

While on the phone, another representative could be heard instructing XXXX to give me the standard call center message regarding the refund. Carvana operates under the guise of fraud. It's imperative that they be shut down.

Carvana and their lending entity, XXXX, extract money without full approval of the vehicle. Then, they cancel the loan, and the consumer must wait for reimbursement of the down payment. This hinders an individual 's life and ability to continue to function. They immediately took {$2000.00} from my bank account and now expect me to wait for a refund that will take a minimum of XXXX days. Carvana and XXXX have a history of delaying refunds, as per the XXXX 

Carvana has removed all pertinent information regarding my application and approval to purchase the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (WA)

This is an installment loan that was approved and funds disbursed when I was living in California on XX/XX/2019. The max APR for California is 41.3 % and my percentage is 64.41 %. interest alone is {$21000.00}. my original loan amount is {$8700.00}. {$30000.00} is the total loan payment. XXXX XXXX, also known as the California Fair Access to Credit Act, was signed into law by Governor XXXX XXXX in XX/XX/2019. Its primary goal is to protect consumers from predatory lending practices, particularly in the context of payday loans. Here are the key provisions of XXXX XXXX : Interest Rate Caps : XXXX XXXXXXXX prohibits payday lenders from charging exorbitant interest rates on certain loans. Specifically, it bars lenders from imposing interest rates exceeding 36 % plus the federal funds rate. This measure aims to prevent borrowers from falling into debt traps due to high-cost loans1.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid 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: DISCOVER BANK (GA)

I have an account with Discover and they keep saying that I owe them money and that my credit balance is money that I owe to Discover. They say they lent me money from their reserves and that I owe them money and that they did not do anything with my information but simply confirm whether or not to approve me but did not receive any value from my information. I am demanding that they credit my account and they do so whenever a balance appears on the account.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.