davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXX XXXX  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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VT)

I financed the purchase of an air conditioner through Synchrony Bank for {$8200.00} with no interest for 18 months. The minimum payment on my balance is {$200.00}. I have been paying {$250.00} each month via auto debit. I have not read a statement nor do I regularly log into my account because it was on auto pilot. I logged into my account today, XX/XX/XXXX, and saw an interest charge for {$2100.00} on XX/XX/XXXX and learned that while the original agreement was sold to me as zero interest for 18 months, it was actually 18 months of deferred interest, so I received 18 months ' worth of interest all at once in XX/XX/year>. 

I initiated a chat session with a representative from Synchrony and was told that since it had been 60 days since the charge there was nothing they could do and I would need to call a representative, which I did. I spoke with two different representatives and was told that the grace period was actually 30 days and that had I called within 30 days of learning about the interest charge they would have easily been able to remove it, as long as I paid off the original balance. I offered to pay off the remainder of the original balance ( ~ {$1400.00} ) in addition to whatever interest I've accrued since the end of the 18 month period and was met with " sorry since it's been 30 days there's nothing we can do. '' I explained that I was deceived in the original agreement and have made on time payments each month and would happily settle up the original balance right now. I have never financed anything before except a car and this experience has left such a bad taste in my mouth that it's unlikely I would ever finance a purchase such as this again. 

I have no record in my email nor on my Synchrony account detailing deferred interest. My statements have a notification about deferred interest and shame on me for not opening them regularly ( or ever ). In the world of Internet banking, relying on information to live in a vacuum in one location ( i.e. statement only ) isn't fair to the consumer. Clearly my account was on autopilot and while I could have been more proactive, a simple email reminder detailing what was about to occur could have avoided this altogether. However, my regular, monthly reminder from Synchrony never once indicated that I was about to be hit with 18 months of interest at once.
Consumer complaint received 2023-12-19
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. (NJ)

Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

In XXXX, My business opened an account with XXXX XXXX, XXXX  as an XXXX Sole Proprietorship using my Federal XXXX XXXX In XXXX, the business was converted to an XXXX under Ohio law and canceled the fictitious name ( the form Ohio XXXX of XXXX uses for DBAs ). In XX/XX/XXXX, my branch XXXX, XXXX XXXX, was provided a copy of the XXXX certificate and at the time of my appointment, he was manning the teller line. He acknowledge that he would update the banking records as soon as he was done with the line. In XX/XX/XXXX, the branch XXXX was advised that my business bank statements do not reflect my XXXX 's name ( slightly different than my DBA ) and he advised that he would correct it. In XXXX of XXXX the business had a check bounce and by the time the matter was resolved, XXXX Bank had closed the business ' account. 

I personally began getting collection notices from XXXX XXXX about the charged off the business account and was seeking payment from me, the individual. The amount they CLAIMED was owed was vastly higher ( more than 200 % of the actual amount and they advised that the bank had charged the business account daily overdraft fees for over 60 days resulting in the higher-than-expected balance, in an effort to resolve the matter XXXX offered me, personally, a settlement for approximately 60 % of the stated amount. 

I, being the owner of both XXXX XXXX XXXX XXXX and XXXX, XXXX, have attempted to resolve this matter on several occasions. In XX/XX/XXXX, I was advised that my personal social security number and name were referenced in the LLCs collection file. The representative acknowledge that if I, the person, paid any amount towards the balance this bad debt would be reflected on my personal credit for a minimum of 7 years. Furthermore, XXXX XXXX of XXXX XXXX advised that under Ohio law, this debt should not be reflected on my personal credit history. In XXXX, XXXX I visited the branch where my business 's account was held and was told that I needed to contact recovery. I called XXXX and spoke to a person named XXXX. This individual was not well versed in state or federal laws and tried to insist that the account was a personal account. After several minutes on hold, he came back and told me that the business was listed second on their records so he could not fix the bank 's error even though it did not match the XXXX of XXXX XXXX or XXXX letter. 

The calls from XXXX XXXX have continued and now that I have advised that this debt is uncollectible as I, the individual, do not owe XXXX XXXX  any money, I have been contacted by several different representatives. Each time I am asked to explain basic Limited Liability law and after XXXX minutes each time the representative verbally agrees that this is not a good debt. A few hours pass and a different person from the same collection agency calls and we continue the same conversation.
Consumer complaint received 2024-09-12
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. (RI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-08
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 (CA)

I received an advertising email from Apple Card indicating if I signed up by the deadline I will get {$20.00} bonus promo per month for 10 months to get {$200.00}. Terms were as follows. I clicked on the link in the promo email and did everything correctly but have not been receiving the promo bonuses. When I escalated they told me I did not click on the link, which is not true. I definitely clicked on the link and even have all the backup to prove that which I already submitted to them. I also filed several complaints after and they didnt even respond back. Please help me resolve this. 

Offer promo is valid only for new Apple Card holders who apply under this promotion and open an account in between XX/XX/year> - XX/XX/year>, and makes a minimum of ten ( 10 ) purchase transactions on their new Apple Card account each month during Purchase Period. {$200.00} is the maximum total bonus Daily Cash that can be earned during the Purchase Period. Purchases can only be made by the new Apple Card Owner.
Consumer complaint received 2024-06-08
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: FC HoldCo LLC (FL)

I have talked to the finance company several times about my auto loan they wrote a letter stating that they wouldn't be reporting the loan to the credit bureaus, which was ok because they don't have to but then all of a sudden they are now reporting back in XXXX but then stopped again so it looks like my balance on the account is incorrect with the credit bureaus
Consumer complaint received 2024-06-08
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: Affirm Holdings, Inc (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-06-08
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: Synovus Bank (FL)

Unfortunately after many failed attempts at getting the fraudulent credit card removed from my credit reports. After sending FTC and Police Report you have failed to resolve this matter as this has put your institution in violation of the FCRA 605B. I am filing this last complaint with CFPB prior to my legal team filing for damages in Federal Court next week. You refuse to do anything to resolve this issue as the victim of fraud and identity theft. My ex partner had unauthorized access to my information opening accounts and even going as far as making payments on them with bank accounts in my name. When he left me in XXXX everything came to light about the matter.
Consumer complaint received 2024-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BSI Financial Holdings, Inc. (LA)

On or about XX/XX/XXXX, I called BSI commercial loan servicer and I told them that I will not be able to make the payment for the month because the main tenant had recently XXXX  and the family could not afford to make the rent payments. They told me well just keep in touch. I looked at my statement and the statement showed that I owe thousands of dollars in late fees. I asked the company 's representative why was this so. And she told me that it was over {$70.00} per day that I was late. She referred me to The document in the mortgage that states : " late charges for overdue payments, if the note holder had not receive the full amount of any monthly payment by the end of XXXX calendar days after the date it is due, I will pay a late charge to the note holder. The amount of the charge will be XXXX  % of that portion of the installment of the principal and interest that is overdue. I will pay this late charge promptly but only once on each late payment. '' This did not say that I will be charged per day. I am now old thousands of dollars in late fees. 
XXXX what's the original mortgage holder, BSI is XXXX of the successors.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (WV)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of SENTRY RECOVERY & COLLECTIONS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-23
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: Experian Information Solutions Inc. (AZ)

Experian, XXXX and XXXX continue to report information that I have requested to be fully verified. I requested on multiple occasions by mail online and over the phone to have the items they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule 9037 Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS Topic 431 Canceled Debt, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NY)

I XXXX applied for a mortgage on or about the year XX/XX/XXXX. I applied for a mortgage amount approximately of {$150000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so the bank who originated this no income check subprime mortgage could verify that I can afford it. The bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly XXXX to verify my actual income and stated what it was instead. Furthermore this mortgage/note was originated XX/XX/XXXX as a 5 year interest only mortgage. Nationstar Mtg has never adjusted the mortgage/note to reflect P.I.T.I The current mortgage/note XXXX and now servicing with Nationstar Mortgage Loan # XXXX on my Property : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, my S.S. # is *********** D.O.B. XXXX/XXXX/XXXX. XXXX Bank and XXXX XXXX XXXX are committing the following Fraudulent and Federal Law violations:2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Statement of Facts Chase : claim for return of funds XXXX dollars stolen by wire fraud. 
Incident information : In late XX/XX/2023, I lost my wallet containing my drivers license and ATM card. I called to make a lost report and to request a new card. Around XX/XX/XXXX, I was contacted by an individual saying they had found my wallet and they were willing to return it to me. 
I never got my wallet back. 
On XX/XX/2023, I was alerted to a wire transfer in the amount of XXXX dollars had been initiated. Someone calling under the guise of Chase fraud called me. Once I saw the transactions online I called to report it. 
I called and reported to chase fraud that I had not initiated this request and the person ( XXXX XXXX ) was not known to me. 
I also, filed a police report providing them with screen prints of the message I received from XXXX of the person claiming to have my wallet along with screen prints of the wire transactions that had been initiated and completed. 
I dont know how XXXX XXXX gained access to my account. Chase security should have prevented this. I have provided a claim report and supporting documents to chase on XX/XX/2023 have been in constant contact with Chase bank fraud/claims department since XXXX and yet I still have not gained any resolution to my request for a refund of the money.
Consumer complaint received 2024-05-16
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. (WA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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