davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Around XX/XX/XXXX we opened aa Credit Account with XXXX XXXXl to shop on XXXX XXXX XXXX. We ordered some appliances which were delivered very late. 
XXXX XXXX never sent us an actual card, never sent us any paper statements. The only way to find out were, when and how much do you need to pay is to find their phone number online. On XX/XX/XXXX, I was notified by my credit monitoring service that a negative report for late payment was reported to my account. Per records I the payment was late back in XX/XX/XXXX. I called the creditor and they told that my payment in XXXX was late. I told them the Creditor have being charging my account automatically. In XXXX the creditor charged my bank account automatically twice for XXXX $ each transaction, even when the minimum payment was XXXX XXXX Specifically, on XX/XX/XXXX and XX/XX/XXXX ( please see the statement attached from XX/XX/XXXX ) Then another charge of XXXX $ was processed on XX/XX/XXXX. 
In XXXX I checked my account I noticed that the creditor processed a refund dated XX/XX/XXXX I called the Creeditor and I was notified that their system charged my account twice so they issued a refund in form of a paper check. They asked for another card information, which I gave them and they have being processed payment automatically ever since from the same bank account. Me as a consumer I did everything that had to be done for my balance to be paid, when the creditor deliberately charges my account then issues refunds, stops charging my bank account and never notifies me of any payment issues and makes incorrect credit reporting 5 months after. The Creditor incorrectly reported a 30 days late payment for the month of XXXX which was never late. I filled a dispute with All XXXX credit reporting agencies twice already and Creditor still refuses to correct their mistakes.
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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX2024, I received a check from XXXX for a roof claim. The check was issued to XXXX ( my wife ), XXXX XXXX Bank ( mortgage lender ), and XXXX XXXX ( me ). 
The next day, XX/XX/XXXX, I went to XXXX XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, as instructed to get the check endorsed by someone at the bank. While I was there, I was told that they couldnt endorse the check and that I needed to send it to their back office in XXXX, SC. 
I left the bank and went straight to the United States Postal Service office at XXXX XXXX XXXX XXXX XXXX, FL XXXX to mail the check. I sent the check XXXX priority mail with tracking. The tracking number is XXXX. 
After about XXXX week, I noticed that the check was still in transit and not at XXXX XXXX Bank. So, I reached out to XXXX to report the delay. They responded to say there was nothing they could do till after 15 days. 
After 15 days, I reached USPS again. They responded and said there is nothing they can do. Then, I contacted the law firm to ask for XXXX to reissue a new check. Thats when I found out that the check was cashed fraudulently. 
I was instructed to complete Chases Declaration of unauthorized Endorsement form. I completed my portion and then sent it to XXXX. 
After several months, and numerous attempts to get an update from XXXX, I was informed on XX/XX/XXXX/24 that they will not issue another check. Their reason is that they fulfilled their obligation to me. 
I've reached out to Chase and XXXX  XXXX XXXX to solve this issue. Chase tells me that there's nothing they will do. XXXX  XXXX XXXX is on the verge of telling me the same thing. 
I am the sole breadwinner of my family. As my wife is a homemaker for our XXXX children. All our children are under XXXX. And I am without an adequate roof for living. I cant withstand such a big financial blow. And I need your help.
Consumer complaint received 2023-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report 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 items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-07
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma (MO)

Credit karma institution took my IRS money and close my account for no reason at all. Try to dispute but was denied XXXX  XXXX took my SSI for one month and I disputed it they would denied me my claim and provisional credit and this is still an ongoing thing of disputing transaction
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Sezzle 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SEZZLE XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I applied for a home loan, my credit report showed this delinquent credit card at capital one in my name but I've never had a capital one card. So I called capital one and told them there is a fraud/identity theft account in my name and it needs to be eliminated they agreed to freeze/restrict & close the account and open an investigation, but their judgement is pending and they told me this could take months to process.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TH Professional & Medical Collections LTD (IL)

On XX/XX/XXXX I received a phone call from ( XXXX ) XXXX on my personal cell phone. I didnt recognize the number so I didnt answer. They did NOT leave a voicemail. Moments later the same number called my work and women on the phone explained that she was trying to collect a medical debt. I explained that I can not receive calls at work and she needed to contact me at home. I then hung up the phone. She called back immediately and asked to speak to the HR department. I told her she was out of line and hung up on her again.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (OH)

I am applying for a Boat Loan at XXXX XXXX, and I unfroze my credit in order to assess my report for the loan on XX/XX/XXXX2024. The boat lender, Truist XXXX XXXX also known as BB & T XXXX XXXX XXXX, pulled ( XXXX ) credit inquiries. XXXX from XX/XX/XXXX24 and XXXX on XX/XX/XXXX24. XXXX XXXX have done nothing to resolve the situation. I have asked to have the lender remove XXXX of the credit inquires on my report, and indicated that they can not.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXX XXXX  XXXX
Consumer complaint received 2024-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

This is my second complaint to CFPB ( the first complaint # XXXX ) regarding United Wholesale Mortgage . They were paying my property taxes out of my impound account to the incorrect property address. They claimed that they had fixed the issue but I am now getting " delinquent '' tax notices from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

I have two credit cards showing on my credit report from XXXX, however, neither of these accounts are mine. I have a relationship with XXXX, but only as the provider for my checking / savings accounts, never as a credit card servicer. 

The credit cards were likely a result of identity theft, as the address on the account was an address I have not used in several years ( XXXX XXXX, FL vs. XXXX XXXX, FL ). I have spoken to XXXX in depth about these accounts ; they have assured me they would be removed, but to date, they have not been removed or adjusted to reflect a dispute. This is preventing me from getting credit with anyone, including XXXX.
Consumer complaint received 2024-05-21
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. (GA)

Recently I looked at my credit report and I noticed several inaccuracies on one of my accounts. This account is reporting inaccurate Information. This account is reporting as a charge off with multiple late payments. I was never late making a payment on this account. This also is reporting paid and derogatory, with different dates XX/XX/year>, and XX/XX/year>, for dates opened. I need this account deleted from my credit report expeditiously. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (FL)

This company was notified by me over phone communication that I dont want my personal information shared with affiliates or non affiliated parties. Then then sent me my Opt Out disclosure form which I fax in and they received. But they are still sharing my info with CRAs after I stated I want to limit the sharing of my information. Also I never sent them any certified permissible purpose stating I would want my reports shared in the first place pursuant 15 USC 1681b. They also fail to comply with 15 USC 6802 with respect to Opt Out of sharing my non public personal info.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX NOT PROVIDED XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I am writing to bring to your immediate attention a grave matter concerning the deliberate and malicious actions of Credit Acceptance against my credit. As a concerned consumer, I am seeking your assistance in rectifying this unjust situation. 

XX/XX/XXXX years ago, I have asked credit acceptance to pick up my vehicle as I would do a " XXXX surrender '' as times were quite hard for me then. Despite my repeated request, they failed to do so. 

Fast forward, the car is still in possession ( After continuously asking for the car to be picked up ). Despite XXXX years of nonpayment, Credit acceptance has failed to charge off my account keeping this account open. 

I have attempted to Dispute the debts with XXXX and XXXX to no avail. 

Credit Acceptance understands that the statute of limitations to collect this debt has expired. Thus, they are keeping this account open to wreak havoc on my credit rating by reporting late payments every month since this is the only leverage, they have. 

This account is parked on my credit report Illegally. Credit acceptance failure to " Write this debt off '' by Charging this debt off may also mean that they are engaging in tax fraud. Typically, after XXXX months of nonpayment this account should have been moved to a charged off status, or even a repossession. It has not. The car has never been hidden, or even hard to access. It has simply been in my driveway. 

Failing to charge off the debt prolongs the amount of time this account should remain on my credit report. The clock has not even started yet because of their refusal to do the right thing. 

These erroneous reports have significantly damaged my XXXX XXXX, making it increasingly difficult for me to secure loans, obtain reasonable interest rates, or even pursue certain employment opportunities. 

Despite my repeated attempts to address this issue directly with credit acceptance, they have been unresponsive and unwilling to rectify their errors. It is clear that their actions are not only negligent but also potentially illegal, as they violate the Fair Credit Reporting Act and other consumer protection laws. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against credit acceptance. I also urge you to ensure that my credit report is accurately updated to reflect the true nature of my payment history. 

Furthermore, I would appreciate any guidance or assistance you can offer in resolving this dispute and restoring my credit integrity. Your prompt attention to this matter is greatly appreciated, as the ongoing damage to my credit has had severe repercussions on my financial well-being. 


Thank you for your time and attention to this urgent matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-08-03
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (CA)

I had a XXXX XXXX  in XX/XX/2022. Several months ago I started to look into my credit reports. I saw several inquiries and collection agencies who had items being reported that were the same or duplicate reports. I sent XXXX XXXX mail to XXXX and XXXX regarding these issues. I never received any letters and or status regarding the report.I have also not seen any changes or new notes on these accounts. 

I want to know why my credit information is being shared with multiple unauthorized companies. In none of my credit applications did I agree to share my private personal information with whomever ( personal and or business ).
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (NY)

I applied JetBlue Barclays card via online then I received the credit card on XX/XX/2023. It locked itself when I tried to activate. They required to call specific phone number XXXX but they open only XXXX so it was very difficulty to make a phone call because of my working schedule. 

I have been send copy of social security card, green card and utility bill 2 times already but they never respond me if they received. 
They asked me to pay membership fee {$99.00} even though I couldn't use the credit card because they still locked my credit card. 

Now XX/XX/2023, I paid membership fee and I have been calling they to check the status. However, they said " just wait. '' Also, they said, they don't know how long it takes and they can't send me response via email or phone call. They said " you need to call here to find out when we can unlock the credit card. '' Also, I can't cancel the credit card as long as they locked. Ah, they said they will cancel it anytime if I don't qualified. 

I don't know how long I need to wait to unlock. then I will lost the opening benefit. 

Please help me ....
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.