davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have always ensured payments on this account are made promptly, avoiding any overdue status. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2024-08-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I received an Amex American Express Gift Card as a present on XXXX of XXXX. 

I checked the balance and made sure the card was active online at the balance.amexgiftcard.com website as listed on the card. The starting balance was {$100.00}. 

I tried using the card for in store purchases, but it was denied. I then tried to use it for online purchases at XXXX XXXX and XXXX, but both were denied as well. Now, the balance shows {$99.00} despite not processing any of those transactions. 

I have tried varying amounts under {$100.00} such as {$9.00} as some people have suggested, but to no success. Many people have reported the same problem through the last year.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (FL)

Greetings, I am writing to bring to your attention a serious issue that has arisen with my credit accounts and credit report. 

Over a month ago, I received a letter from XXXX XXXX  XXXX stating that one of my credit cards would be closed and the credit limit on another card would be lowered due to alleged delinquency on my credit score. I want to emphasize that I have never missed a payment on any type of loan or credit card. 

To investigate, I checked my credit score through a free credit report service and noticed an unfamiliar loan under the name of Uplift , Inc. for the amount of {$2100.00}. Upon contacting the number listed on my credit report, I was informed that this loan was taken out in XXXX and was meant for travel expenses. I explained to the representative that I had never taken a loan from XXXX XXXX XXXX and was unaware of this type of loan. They suggested I file a dispute. 

When I provided my information, they could not find any record under my name or with my phone number or other phone number previously owned, including my wife, and advised me to contact the credit reporting agency. I subsequently filed a dispute with XXXX. However, after a month, XXXX responded that the information was accurate and the loan belonged to me, which is not true. 

I called XXXX. again to file a second claim and explained the situation. They requested proof, but I am unable to provide proof for a loan I never applied for or received. I have no documentation from this company as I never requested a loan from them. 

This situation is severely affecting my credit score, and I am unsure how to proceed. The loan company claims they can not find my information in their system, and XXXX insists on proof of a loan I never took out. 

I urgently need assistance to resolve this issue. Please take the necessary steps to investigate and rectify these discrepancies. This matter is causing significant stress and impacting my financial standing. 

Thank you for your prompt attention to this urgent matter. I look forward to your swift response.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (DC)

Banana Republic credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to Barclays. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to Barclays. I was able to log into Barclays with the account info and pay the bill. I called Banana Republic to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to Barclays.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (DC)

XXXX XXXX credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to XXXX. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to XXXX. I was able to log into XXXX with the account info and pay the bill. I called XXXX XXXX to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to XXXX.
Consumer complaint received 2024-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (HI)

My husband and I selected XXXXXXXX XXXX  as our mortgage loan provider upon our home purchase, and a few months later they sold the loan to New Rez, our current loan servicer. 
My husband and I reached out to our insurance provider last week ( XXXX ) for a copy of our homeowner 's insurance policy to see if we wanted to update it. We were informed by XXXX that our policy had been cancelled due to non-payment. Our insurance is meant to be paid out via our escrow account. XXXX told us that a cancellation letter was sent to both our home address and New Rez 's address to notify us that they were cancelling our policy. Our home address is on XXXX XXXX, Hawaii, and can not receive mail. New Rez claims they never got a notification letter, even though we confirmed XXXX had their correct address. 
We called New Rez to inquire why they did not pay our homeowner 's insurance and they told us they had. After many back and forth calls between the insurance company and New Rez ( which took hours of our time and frustration ), we found out that when New Rez took over the loan back in 2022, they had mistakenly loaded/labeled our Hurricane insurance policy as our Hazard/Homeowner 's Insurance policy on their system. They therefore only had one line of insurance listed for us, which in Hawaii it is required to have two - Hazard/Homeowner 's AND Hurricane.

New Rez confirmed that the policy they have on file as our homeowner 's insurance is actually our Hurricane policy. 

New Rez is now saying that they will be placing LPI lender place insurance on our account. Additionally, we are in the process of reinstating homeowner 's insurance which will come at a higher premium than our original insurance had they not failed to pay. We do not believe we should be responsible for either of these amounts, since New Rez : -Made an error when onboarding our line -Failed to ensure they had two lines open for our account, which is a requirement in Hawaii and they would be in trouble should they be audited -Did not pay our homeowner 's insurance, which is a RESPA violation -Made it difficult to find out what the problem was, hung up on us, " transferred '' us to a supervisor only to be hung up on and not called back, tried to get us to immediately reinstate our policy using our own escrow account, told XXXXXXXX XXXX ( not us! ) that they would be placing a LPI on our account due to their own error.

New Rez should be responsible for these amounts. 

XXXXXXXX XXXX ( now XXXXXXXX XXXX ) has been incredibly helpful in answering our questions and trying to help us solve the issue despite no longer owning our loan.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Would not allow me to change my PIN number to my atm/debit card over the phone and spent 20-25 hours over 8 calendar days to rectify. Once rectified I was not able to make a purchase with card 48 hours after thinking it was fixed and spent an other 30 minutes getting it fixed. As a result this has cost me over a XXXX dollars of business and wasted {$1500.00} of billable hours. Was only reluctantly helped.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with Equifax 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.

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.

Equifax 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 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my federally protected rights. 

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (NC)

I am writing to seek your assistance regarding a credit card fraud claim dispute with Navy Federal Credit Union. Despite my efforts to resolve the issue directly with the institution, I have been unable to reach a satisfactory resolution. I would greatly appreciate your help in addressing the matter outlined below : On XX/XX/year>, I logged into my Navy Federal account and discovered three unauthorized charges : two transactions from the XXXX XXXX totaling {$2600.00} and one transaction from XXXX XXXX XXXX for {$640.00}. I immediately contacted Navy Federal to report these unauthorized charges. 

Nearly a month later, on XX/XX/year>, Navy Federal issued a temporary credit to my account while they investigated the matter. However, on XX/XX/year>, Navy Federal reversed the credit, stating that their investigation concluded that I had conducted these transactions. I must emphasize that I have never visited an XXXX XXXX or a XXXX XXXX XXXX store, and my card was in my possession at all times during the period in question. 

I believe the initial investigation conducted by Navy Federal did not accurately reflect the circumstances of the case. To clarify, here are the key points that support my claim : Store Visits : I have never been to an Apple Store or a XXXX XXXX XXXX store. Given the size and reputation of these stores, it is likely that they have security cameras that could verify whether I made these purchases. 

Card Possession : My card was in my possession at all times. It was neither lost nor stolen, and I did not authorize anyone else to use it. 

Immediate Reporting : Upon discovering the unauthorized transactions, I promptly reported them to Navy Federal, which resulted in the initial issuance of a temporary credit.

Reversal of Credit : The reversal of the temporary credit without concrete evidence that I made these purchases is concerning. Navy Federals conclusion seems to be based on incomplete or incorrect information. 

Given these points, I kindly request that the Consumer Financial Protection Bureau assist in facilitating a thorough and impartial review of my fraud claim by Navy Federal. I believe that a fair reassessment of the evidence will demonstrate that I did not authorize these transactions.
Consumer complaint received 2024-07-19
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The hard inquiries on my credit report I don't recognize nor did I consent to.
Consumer complaint received 2024-06-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX XXXX XXXX I noticed fradulent transactions on my Barclays JetBlue card. 

Transactions : 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} I immediately called JetBlue, the transactions were cancelled on their end and was told the monies was credited back to my account on their end. Barclays since XX/XX/year> has delayed crediting the entirety of the monies back to my Barclays JetBlue Mastercard. Transactions 1 and 2 ( seen above ) have not been credited back to my account. Transactions 3, 4, and 5 have been credited. I have received " run around '' service since XX/XX/year> from Barclays as to the monies in question. The following are individuals from Barclays with whom I have spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This issue has severly impacted my credit score and my credit card account standing as well as put me under heavy stress.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX my CareCredit spending limit was cut from {$740.00} to {$270.00}, this after having on time payments that equal to {$300.00} in just the past 2 months, significantly reducing the debt i owed them. I asked a reason why my credit limits were significantly lowered after I had paid down my balance significantly in the past two months, therefore upping my credit card utilization and damaging my credit which I have been working so hard to improve. I believe they did this with my Sam 's Club Synchrony card as well when I had paid more than usual on it as well. This is quite obviously an unfair practice to keep people 's credit card utilization high, therefore damaging a person 's credit score in order to keep them from getting more reputable cards with lower APRs on them and forcing them to have to stick with their cards. Paying down your cards should improve your credit score, and they make sure it does the opposite. This is not the first time this has happened with them, so shame on me. When I had an Ashley 's homestore card with them and finally got down to a XXXX balance, after a while they closed my account negatively impacting my score, like they were punishing me foe not having to pay them any interest. I don't care what it says in the fine print, there's no way this can or should be legal. They are taking advantage of people already with their ridiculous APRs, and then punish them for paying down their debts because, God forbid they collect less interest then!
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (WA)

This Citicard cbna account is not my account. It should not be on my report. Ive contacted this business and they stated they would correct this matter by removing from my credit report. I would like this to be removed immediately which is causing me denials on credit applications.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

RE : Social Security Number : SS XXXX : XXXX and account reported from : 1. Under penalty of perjury I swear this account is false and misleading Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENTS ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
Consumer complaint received 2024-06-16
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: GOLDMAN SACHS BANK USA (NJ)

Im kindly asking the CFPB for assistance in this case, so I opened 3 unauthorized transactions on my Apple credit because I did not authorize them, Ive been going back and forth with their investigation team because the refuse to conduct a proper investigation. I recently requested evidence from Them about the unauthorized transactions for all 3. The refused to send all 3 but they provided one. Looking over the documents theres nothing on any of these documents that shows I authorized this transaction, there different names and everything on these documents I never authorized any of these name to use my card. The up address is out my area and everything, yet they refuse to continue the investigation. Please see all the evidence they provided. They have all The evidence in their face that shows I didnt not authorize these transactions yet they keep closing the case and not doing their job