davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I disputed a charge on my Discover card, after a vendor continued to bill me, and make it literally, provably impossible for me to change my subscription status. 
And invoice was sent to me with an email that did not work. 
During the dispute, a phone number was provided, which also did not work. 
Lastly, the merchant provided a process that is provably impossible to follow ( it is simply wrong ) to change my subscription status. 
I have not been receiving service from this merchant ( XXXX ) for several months now, but they continue to bill me. 

I opened a dispute with Discover. Surprisingly, Discovered maintained the positions that : 1 ) I must provide proof of cancellation, irrespective of it being impossible to obtain 2 ) It does not matter that the merchant has made it impossible 3 ) It does not matter that the merchant provided false information to Discover 4 ) Once I have made one purchase once, the merchant is entitled to bill my card forever, no matter what. 

The merchant ( XXXX ) billed by credit card multiple times for a paid service. 
The invoices were sent to an email which is not associated with the account. 

The account itself is currently suspended and services are inaccessible, and XXXX has failed to respond to support requests for > 60 days. There is no way to contact support, no way to log in to change subscription status, no services being rendered. 
While that issue in and of itself should be treated as a business fraud separate to this claim, the issue here is with Discover, who has set literally impossible requirements to challenge an incorrect charge on my card. 

Due to their statement that the merchant may perpetually bill me forever for the service and there is nothing I can do about it, I had to close my account with Discover for my own protection. 

Unfortunately, I can not easily capture the chat logs where the 4 positions of Discover listed above were laid out. In any request from the CFPB to Discover, the text of the chat logs should be requested.
Consumer complaint received 2024-07-08
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. (TX)

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts 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. XXXX 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 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have XXXX missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.
Consumer complaint received 2023-04-16
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. (OH)

In accordance with the Fair Credit Reporting ACT, The list of accounts below has violated my federally protected consumer 's rights to privacy confidentiality under 15 U.S.C 1681 section A. States I have a right to privacy.

-15 U.S.C 1681 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions. Period.

15 U.S.C 1681c. a ) section 5 ). States : no consumer reporting agency may take any consumer reports containing any of the following items of information, any other adverse item of information, other then records of conviction of crimes which outdated the report by more then 7 years.

15 U.S.C 1681 1s- 2 a ) States : a person shall not furnish any information relating to a consumer to any reporting agency, if the person knows or has responsible cause to believe that the information is inaccurate. 


XXXX account # XXXX in amount of {$580.00} XXXX XXXX XXXX XXXX XXXX in Re : Loan # XXXX
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the inaccurate reporting of late payment on my credit report, specifically concerning the account referenced with Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX, Date of Last Activity XX/XX/XXXX, Credit Card upon thorough review, I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned XXXX are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this acepunt on time, in ascordance with the agreed-upon terms. It is my understanding that per XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ( ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed Never Late based on the timely payments made. it is imperative that my credit report accurately represents my financial responsibility and commitment to mesting payment obligations. I hereby request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late. In the absence of valid proof, I expect the credit reporting to be rectified promptly. if, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as Paid AS Agreed Never Late. ' Per the FCRA, 1 request that you conduct a timely investigation and provide a written response within 30 days frow the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/PTC Identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX DATE OPEN XX/XX/year> TOTAL {$56.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where XXXX am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have tried to no avail to get in touch with a HUMAN BEING at Experian ustomer service. They have designed their automated system ( s ) in a way to where you can not get in touch with a human whatsoever ( please see conplaints from many Experian consumers online ). It doesn't matter which number you call -- no one will answer. I even reached out to their business division and the agent I spoke with this evening gave me a number to what should have been a 24 hout customer service with an option to speak with someone, bt I was again put into a endless game of " press 1, press 2 '' prompts and no options for speaking with a customer service. And even after failed attempts at the automated system identifying my issue, it eventually disconnects my call. It should be illegal for a company that controls people 's credit livelihoods to be able to get away with not having to answer to their consumers, especially when there's incorrect information on their credit profiles. I am currently locked out of my account, unable to sign in, therefore, unable to access my report. Because there is a discrepancy with the data that is on file based on my sign in authentication failing, I need to speak to a HUMAN. I probably will need a seek legal action if no quick remedy from Experiea because I have tried and tried amd Experian has made it very clear that they do not want to speak to customers.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I got an email that said " Welcome to XXXX XXXX, XXXX '' and when I clicked into it I saw that someone had opened a credit card with the credit limit of {$30000.00}. I then get an email that says the card had shipped. I checked my XXXX app, where my credit is locked, and I see an alert that states " XXXX XXXXXXXX XXXX XXXX  XXXX got a copy of your XXXX Credit Report. '' I did NOT open this card. This is fraudulent. I called XXXX XXXX and they shut down the account. Now I need XXXX to remove this inquiry from my credit report.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

On XX/XX/year> @ XXXX am I made an online purchase using my Credit Karma money spend debit card but accidentally entered the wrong CVV code, the transaction should've been declined however it was approved. I made another small transactions and used the wrong code again that transaction was also approved. I screen recorded the second transactions for proof. I contacted Credit Karma spend account customer service at XXXX am PST on XX/XX/year> and was immediately told that it was a glitch in their system and that I'd have to file a dispute. Which I disagreed because the dispute would go against the merchant which it is not their fault that the bank approved the transaction. I spoke with a supervisor and again was told that I'd have to file a dispute. After being on the phone for XXXX minutes, I was disconnected. I called back and explained that I had proof of this happening finally I was emailed a link to upload the video which I did. Never heard anything. So I contacted again and then was told that they don't support videos, so XXXX screen shorted pictures directly from the video and sent them in. It is now a day later and I have yet to hear anything from them. So basically anyone could use my card number with any random CVV code and the transactions will be approved. I also requested information wanting to know each transaction that was made using the wrong code and they said they don't have that information.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (IL)

I applied to a credit card. I recognize US Bank allowed such credit cards for XXXX XXXX XXXX I feel that because I had a former previous XXXXXXXX XXXX XXXX  closed that US Bank wrongfully denied my application for a new credit card only because I utilized a XXXX XXXX XXXX in the past which likely had inquiries but had nothing to do with any poor credit report. 

Because my credit report was good and that US Bank only denied due to being concerned about numerous inquiries to the previous closure of a XXXX XXXX XXXX  and that I was not eligible to receive a XXXX XXXX XXXX  on my previous account upon closure due to no fault of the consumer as if the promotional period block was the only active item ( previous XXXX XXXX XXXX wrongfully lowered credit score as if to think I was a new credit card holder rather than a previous credit card holder as to be only blocked due to the promotional period ) - I feel that US Bank failed to provide a credit card as if to wrongfully blame the former XXXXXXXX XXXX XXXX  holder. 

I no longer need the XXXX XXXX XXXX  because I am utilizing XXXX now. I feel that US Bank wrongfully denied a XXXXXXXX XXXX XXXX and this is not the fault of the credit reporting agency but a fault of XXXX credit card application review per US Bank. US Bank can correct this as part of XXXX  Credit Cards in total, but I feel this is a concern for fraud against the XXXXXXXX XXXX XXXX  Application review wrongfully denying a XXXXXXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

I have been a customer of Chase Bank since XXXX, I attempted to sign into my accounts yesterday and was unable to unless I accepted XXXX online policies that had been posted. I object to the XXXX XXXX XXXX as it abdicates all privacy on my accounts. This document is XXXX pages long and contains many things that are acceptable but includes new verbiage that covers all digital privacy and totally abdicates all privacy going forward. I have called all customer service numbers and contacted the local branch XXXX and was told I have no choice. The worst thing is I am being denied access to all of my accounts with no recourse. This strong-arm tactic is totally unacceptable, and their calculation is people will not take the time to read the XXXX legal document. This is so wrong and must be stopped immediately. I am now in day XXXX of being totally locked out of my accounts and the only remedy I seem to have is moving my business to another bank. The hardship of doing this is enormous and costly. I should have the right to opt out of this invasion of my privacy and not be forced to accept this policy without recourse.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

Good morning I reached out to get my situation looked at. I have proof that this account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I have did research and see that I can contact an attorney in general or the XXXX  and the CFPB for this matter all I would like it my money that was use unfair please. If not I have no choice to reach out to get this matter resolved I have told them this multiple times and know I am exhausted behind their decision because they refuse to close my account and send me my funds thats from the dispute. Also a closure check and a disclosure from this account was told yesterday this account is still open and was lied after that is closed but its not I believe they are keeping my account open for fees. I know it was strange I was logged out my account after my claim was denied and told that they will not be letting me keep my account anymore but I never received any mail or email stating this.
Consumer complaint received 2024-07-08
Product: Credit reporting 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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc. (FL)

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against NATIONSTAR MORTGAGE for unlawfully blocking my access to {>= $1,000,000} in funds that were credited to my account after the bank processed my promissory note through its clearinghouse system. The promissory note, originally for {$190000.00}, was purchased by the bank, and I became the holder in due course of the account. 
However, despite my ownership of the account, the bank has frozen my funds without providing any legal justification or due process, in violation of consumer financial protection laws and my constitutional rights to property. 
Relevant Laws and Case Law : 1. Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : The banks conduct qualifies as an unfair and deceptive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, specifically under 12 U.S.C. 5531, which prohibits banks from engaging in unfair or deceptive practices that harm consumers. Denying me access to my own funds without explanation constitutes such a violation.

2. Electronic Funds Transfer Act ( EFTA ) : The denial of access to my account also violates the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ), which ensures consumer protection when accessing their funds electronically. Blocking my access to funds in this manner is a violation of my rights under this law.

3. Truth in Savings Act ( TISA ) : The bank has further violated the Truth in Savings Act ( 12 U.S.C. 4301 ) by not adhering to its terms regarding access to funds. TISA mandates that depositors be provided clear terms for access to their accounts, which the bank has failed to honor.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX Pone : XXXX DOB XX/XX/XXXX Last 4 SS XXXX Attention : XXXX XXXXXXXX XXXX XX/XX/XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found, please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 
Sincerely yours, XXXX XXXX XXXX