davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

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 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 2024-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (OR)

XX/XX/2024, I logged into my online banking and paid {$59.00} towards the principal of my HELOC. 

XX/XX/2024, I logged back into my online banking and noticed that the {$59.00} payment was reversed and was applied to a suspense account. At that moment, I called Flagstar Bank and asked why this had happened. The lady I spoke to on the phone was confused as to what happened and said it didn't make sense. She informed me that she was going to request another department to get this issue fixed. I was informed that it would take a few days to reflect on my online banking. 

XX/XX/2024, I logged back into my online banking and saw that the issue had not been resolved. I called Flagstar Bank back to get this resolved. I was informed again, that this had to be fixed by a different department and was going to take a few days for it to be reflected on my online banking. 

XX/XX/2024, I logged back into my online banking and yet again, I saw the issue was not resolved. I tried calling the bank, but they were closed. 

XX/XX/2024, I called Flagstar Bank ( It took me this long to call them as I left the country on XX/XX/2024 ) and spoke with a gentleman about this issue, and also threatened to contact the CFPB if it was not resolved within 2 days. This individual informed me that the last person I had spoken to did open a ticket requesting the {$59.00} to be reapplied as principal only. He said he doesn't understand what happened as the ticket was closed, meaning the issue was resolved, when it clearly wasn't. The individual put me on hold for 5 minutes so he can discuss this with his supervisor. He got back on the phone and informed me that his supervisor was going to make sure it was going to be reconciled. He asked if I wanted a phone call back when it was completed, to which I said yes.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I paid my car finance off with XXXX XXXX for the amount of XXXX on XXXX XXXX. XXXX XXXX sent me an official release of lein letter on XXXX XXXX which I can provide. On my credit report with TransUnion, XXXX, and XXXX its reporting that I still owe XXXX XXXX an amount of XXXX. Ive contacted XXXX XXXX they told me they will fix but they never did. I disputed this with the credit bureaus but nothing has changed. This is affecting my credit history stopping me from purchasing a home to build a foundation with my family. I also have my car title with no lein hold on it. I would like this account to be removed from my credit report with all three credit bureaus. Can youll please take care before I take legal actions. Thank you
Consumer complaint received 2023-04-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is denying consumers the right to dispute charges and also denied consumer the right to view and inspection merchant information and internal records used to make a decision to deny my claim in amount of {$420.00}. 

On or around XX/XX/2022, I tried to purchase a bathroom vanity from XXXX it was delivered damaged. The outer packages was severely damages and I did not accept said package into my home. 

My telephone records show I immediately on XX/XX/2022, reached to XXXX spent hours of the telephone and explained the problem and asked that they come pick up the damaged item that box was left unopen in front of the home. 

XXXX refused to pick up the item. I am a senior with XXXX could not lift said box and the package remained. According to XXXX there were no replacement for said item it was sold out. I requested the reasonable accommodation under XXXXXXXX XXXX XXXX XXXXXXXX act that XXXX not send out damages items and make it a requirement and person with XXXX responsibilities to get large item back to a store. 

After I could not get resolution with XXXX I contacted BOA and explained several times over a telephone item was sent damaged I refused to take receipt of said item. BOA waited any additional 60 days then claimed documentation stating what you were supposed to received and how it was different from what you received when I stated from the start of my claim/complaint with I did not take receipt. 

BOA is engaging in a deceptive business practice of keep the charges on the account to make monies off high balance and high interest fees. BOA is trying to force a consumer to take receipt and responsibility of damage items in order to make profit I am asking the CFPB to investing this deceptive business practice enact or enforce laws that required BOA any/all credit companies to turn over all records relating to disputes and grant consumers the right to dispute any in accurate information. I asking CFPB enact or enforce laws that companies or responsible to resolve complaints in a timely manner.
Consumer complaint received 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (GA)

I have sent several letter to Experian, XXXX and XXXX to get XXXX XXXX Credit card account removed from my file. Ive sent FTC, alone with a police Report based off the documents that I sent the account was removed from all 3 credit bureaus. However the account Im referring to was reinserted back on my file.The account was open XX/XX/year> XXXX, XXXX and Experian have told me the account came back verified it cant be removed. I request what method was use to verify this account? I was told that cant.
Consumer complaint received 2022-02-23
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. (PR)

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Consumer complaint received 2022-02-23
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. (PR)

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the three credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting one of the three agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from Experian. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other two agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up one of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was TransUnion. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the PRA account ending in XXXX. While PRA has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation.

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that PRA provide a detailed account of the following : Verification Process : The exact steps PRA took to verify the information provided by XXXX XXXXXXXX, including any documentation reviewed and any communication with XXXX XXXX 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by PRA upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation.

The name and contact information of the individual ( s ) responsible for conducting the investigation.

Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws.

Documentation or records showing that PRA notified the consumer reporting agencies about the dispute and the results of the investigation. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case.

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (VA)

I am currently enrolled in the SAVE plan. My payment is currently less than the monthly interest that is accruing on my account and therefore I should be receiving an interest subsidy from the federal government. I have spoken to multiple people about this and received conflicting and contradictory information. In my most recent interaction with a customer service rep she did not understand what I was speaking about with the interest subsidy. She then told me the interest subsidy should be applied on XX/XX/XXXX and on the XXXX of every month. I requested that she point me to a policy or statement from aidvantage that the interest subsidy is being applied every month. She changed the topic and refused to point to any such statement or policy. I told her I had yet to see an interest subsidy applied to my account over the past 6 months. She then told me that the interest subsidy is being applied but is not reflected on my account on the website. That means it's currently showing the incorrect amount of what I owe and would let me pay off more than I owe if I were to pay a loan in full. I explained this to the customer care representative and she logged off and ended the interaction abruptly. Based on this interaction I have reason to believe Aidvantage is either a ) using uneducated customer care representatives who do not meet minimum standards to be servicing customers b ) consciously misinforming consumers or c ) incorrectly applying the interest subsidy and hoping customers will not notice.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

-Purchased a ring in XX/XX/XXXX from XXXX XXXX XXXX a promotional period of XXXX  % interest for XXXX  months through Comenity Bank -Purchased a watch on XX/XX/XXXX from XXXX XXXX under a XXXX  % interest for XXXX  months through Comenity Bank XXXX XXXX XXXX stated that the PROMOTIONAL PERIOD WOULD BE EXTENDED. 
-XXXX  XXXX the interest charges of {$2600.00} were applied -Spoke with Comenity bank on XX/XX/XXXX and they stated that they are separate promotional periods and as a result the previous balance would need to be paid off or interest charges would be applied. The FULL AMOUNT OF {$1500.00} WAS GIVEN and PAID OFF on the account. 
-XXXX  XXXX in addition to the payment was Advised by Comenity Bank to dispute the charges via their website and also a letter. 
XXXX XXXX, there is no resolution to clear the account and are now adding additional charges.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (CA)

I had noticed that someone had been using my informatin without my approval. 
Here are the list 1.XXXX Creditcard XX/XX/2018 2.XXXX XXXX XX/XX/2018 3.XXXX XXXX XX/XX/2018 4.Wells Fargo XX/XX/2018
Consumer complaint received 2024-06-03
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. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.