davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a XXXX XXXX XXXXXXXX XXXX and the joint account owner who was my caretaker informed me she was in communication with XXXX XXXX and that I had to make a payment or the truck would get repossessed. This was in XXXX of XXXX. I called them and made a monthly payment XX/XX/2022 for the usual amount of {$770.00}. The customer service representative verified this would stop the repossession which was very important to me. Well they took the truck anyway without my knowledge right after that and didnt even allow me to get the thousands of dollars worth of personal property I had in there as I was preparing to move residences. It has really bothered me that they were so dishonest so I got some legal advice and if this avenue doesn't produce results then a lawsuit is the next step which I would like to avoid because of the time it would take. They refuse to acknowledge my last payment date because then it would prove my case. That they basically repossessed my truck unlawfully but they refused to acknowledge that I had made any payments in XXXX. Well I finally have the proof of that payment which was the only thing my lawyer needed to move forward with full confidence. This affected me so much I went into inpatient treatment at the VA for almost a year following the repossession.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per XXXX XXXX, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-04-12
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. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-08-06
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. (TN)

Take this complaint seriously, I am alarmed about unfamiliar inquiries on my credit report. I didn't authorize or consent to these companies accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and anxiety.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-09-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Good morning, In 2006, I applied for a 30yr fixed mortgage through XXXX XXXX XXXX, then at the end of the year ( 2006 XXXX, when I received my statement, I was confused at the huge interest amount, so I contacted the bank. They told me that they gave me a 10yr interest only and 20yr fixed mortgage. I never applied for anything like that! They refused to help or fix the situation, and then they sold my mortgage to Nationstar Bank. I talked to Nationstar to try to resolve the issue and they will do nothing. I have been making and continue to make huge interest only payments because they refuse to fix this issue. I am happy to provide additional information to support my case. I am a single, working senior citizen and I can not afford a lawyer or to lose my home. This is not right and I need justice!
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (GA)

I applied for an Apple Card Mastercard ( general use credit card ) offered through Goldman Sachs in approx mid XX/XX/XXXX. The card had a promotional offer of {$200.00} after spending {$2000.00} within 90 days of opening. I spent {$2000.00} within 1 month and paid the statement balance in full. The promotion was a pre-approved offer available through XXXX XXXX that partners with Goldman Sachs/Apple . 
In XXXX, I'd not received the bonus and contacted XXXX XXXX XXXX XXXX to inquire on the missing promotional offer. I provided the rep a screenshot of the offer and she confirmed she saw the offer in my history, yet it remained unfulfilled. There was a ticket created to research. 
On XX/XX/XXXX, I received an email stating they needed screenshots, I advised via phone call to Goldman Sachs/Apple that I'd already done that and was told they'd need to reopen a new ticket and wait another 7-10 days for any reply. I asked to file a formal complaint with Goldman Sachs/Apple as I'd already taken that step and completed all of the steps necessary to receive the stated {$200.00} bonus. The rep ( XXXX XXXX completed the complaint, advised that she could not provide a reference # and could not tell me when I could expect to hear back from Goldman Sachs/Apple . I advised I'd file a complaint with the CFPB, she stated she was unfamiliar with the CFPB organization. I explained the purpose of CFPB as a government organization and that they exist to help protect consumers, especially against false advertisements and other unfair or deceptive practices, particularly in the banking industry. 
I also contacted XXXX XXXX on XX/XX/XXXX via chat function on their app and advised of the situation, they could not provide any screenshots further than what I already have. They also could not provide any statement showing that my offer was accepted and approved. They stated that all offers are based on algorithms and there is no way to reproduce something of the nature. They assured me that Goldman Sachs/Apple is a partner, that the offer is legitimate, and that it is owed by Goldman Sachs/Apple , not XXXX XXXX. 
I advised that I intended to file a CFPB complaint and the rep stated that he'd escalate my concerns and I'd be contacted by email. 
As of this posting on XX/XX/XXXX, there has been no further contact by Goldman Sachs/Apple XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (UT)

On XX/XX/XXXX my credit report updated and dropped about XXXX points. I went to see what changed and noticed that Affirm.com had changed my XXXX and XXXX months on my report to charged off and my payment history went from perfect to I now have XXXX accounts that I paid XXXX or more days late. I have never paid those accounts late. I filed for Bankruptcy on XX/XX/XXXX ( from a XXXX debt, that I was unaware of until it was too late ). Once I filed for Bankruptcy, Affirm had removed all the accounts for payment off of my app. I never missed any payments prior to that. To my understanding things can not be reported negatively after I file or labeled negatively with XXXX XXXX. This hurts my credit terribly the other accounts that were open prior to filing and closed in result of it still show never paid late just closed due to bankruptcy. I disputed the reporting charges but the remain unchanged.
Consumer complaint received 2024-04-11
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. (RI)

Dear Credit Reporting Agencies, In my previous complaint I requested to have this account removed and you denied in dishonor. Please see attached 1099-C showing the cancellation of debt for XXXX XXXX XXXX XXXXXXXX by a Federal Government Agency . This form has been filed and accepted by the Internal Revenue Service. This is considered receipt of payment and you are now required to rectify the status account in good faith. 

Please update this account on my credit report to paid in full.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with XXXX XXXXXXXX XXXX XXXXXXXX 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 those account 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 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 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-11-02
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. (CO)

XXXX has reached out about the inquiries. Experian has not updated the report to reflect the correct information. XXXX said the inquiries should be soft not hard inquiries. 
I spoke to a XXXX representative today regarding the last CFPB complaint. The bureaus continued to report the wrong information on purpose.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-23
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TN)

This report is again XXXX 's credit card compny. 

This card was paid in full on XX/XX/XXXX. 

I failed to relize this this was seven days late and a late payment of {$43.00} was added to the account. 

When I was unable to addres this issued, an additional {$37.00} was added to the account the following XX/XX/XXXX. 

I contacted the compny mutiple times. At one point I was a fee reduction of approximately {$20.00} leaving me with a requirement to pay 163 % of the original bill. 

In an attempt to make sure I did not continue recieving additional fees, I asked for the account to be closed. The agent failed to inform me that this mean I would not have a way to recieve even the {$20.00} of fee reduction but as I was frustrated by the compinies busness practices I had the account closed, planning to take any additional actions availible to me. 

I contacted XXXX 's directly in an attempt to inform them of the busness practics of their credit card company as I hurts their bussness. They of course were unable to take any actions on my behalf and seemed unconcerned with their credit card 's billing practices. 

I was unable to get this report filed preventing additional fees being added within the fifteen day window, so I reached out to the compnay one last time on XX/XX/XXXX. At this point I was informed that as I had closed the account there was " nothing they could do '' I am responsible to pay 183 % of my original perchase and if this is not completed by XX/XX/XXXX I will still be charged additional fees regardless of the account being closed. 

I fear that by paying this bill, the company will have not motivation to resolve this matter but I can't risk this fees continue to increase. I will pay but I hope this report will do something so that I can get my money back and other families will not suffer the same issues.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Nelnet, Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Check Fraud I sent in a check in the amount of {$2400.00} to the XXXX XXXX XXXX XXXX to pay my building 's quarterly property tax. This was sent by USPS and I directly handed the letter to the person at the local post office. I mailed this on XX/XX/year>. Later on in XXXX I got a bill statement from XXXX XXXX. of XXXX saying that I owed them for the previous quarter in addition to the current quarter. I looked at my bank statement and saw that someone had altered the check payee name and deposited the check. I went to a local branch of my bank ( Citizen 's Bank ) and they investigated the matter but refused to reimburse me for the fraud, saying that I did not report the matter within 30 days of its occurrence. I called the bank again to explain that I only receive a bill from the government every 3 months, so I didn't know that anything untoward had happened until 3 months later, but they refused to review it again. So I am hoping that you can help me to get reimbursed for something for which I am not at fault. Thank you. 

I have enclosed a copy of my property bill statement from XXXX and my property bill statement from XXXX. I also made copies of the altered check ( front and back ). Finally I enclosed a copy of the response from Citizen 's Financial.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (TN)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account 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 XXXX  days before the payment due date. 


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-06-20
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: Convergent Resources, Inc. (TX)

n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 ( they may only report crimes, not debts ) 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 2024-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (LA)

A prospective tenant sent XXXX payments of {$2000.00} and {$600.00} totaling {$2600.00} which was a deposit on a rental property. Because there was no contract or agreement yet I called the bank to have them send it back. I didn't use XXXX to return the money because for some reason it was not finding the senders account via email or phone number. I called Chase and they sent me to claims where I requested the money to be returned. The money came out of my account but to this day has not been returned to the sender. 
XX/XX/XXXX XXXX payment to me {$2000.00} XX/XX/XXXX XXXX payment to me {$600.00} XX/XX/XXXX XXXX to Chase to request XXXX of XXXX payments XX/XX/XXXX {$2000.00} and {$600.00} taken out of my account for the XXXX reversal Multiple phone XXXX to Chase and XXXX visits in person to bank and the money is still not returned but I am told it has. Person who should have gotten the money back denies ever receiving the money. 
Money has not been returned as of today XX/XX/XXXX