davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-14
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2024-04-05
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. (TX)

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.

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.
Consumer complaint received 2023-07-21
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I have sent Chex Systems , Inc, documentation informing Chex Systems that I received a letter from XXXX XXXX informing me that my personal information was stolen, compromised and used. Theres inquiries currently listed and showing on my Chex Systems Consumer Report ID : XXXX that is from the data breach and identity theft, and not my inquiries. The following inquiries viewed by others and only me is fraudulent, unauthorized, and not my inquiries : XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXX XXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023, XXXX XXXXXXXX XXXX, XX/XX/2023, XXXX XXXXXXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXX/XX/2023, and XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-04-30
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. (MD)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

fraudulent charges were made on my bank account. The bank did not provide the information I requested. I have been calling bank customer service but they are requesting me to complain in writing which i already did multiple times but when i call citibank employees unable to find my complaint or written complaint in the system. I have been maintaining this account with the city bank since XXXX  Over a few months some company called XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX has been charging different amounts against my citibank account. 
My account has been negativesince last XXXX due to the fraudulent charges. I need CITI Bankto provide all information about the charges such as who or what device was used to make these charges from what location. I am demanding a complete reviewof all the chargersfrom the beginningof XXXX till now and refund my money for the all fraudulentchargers.
Consumer complaint received 2023-03-17
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: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

This is the 6th complaint I have filed with the CFPB regarding the Deceptive Lending Practices by Colorado Housing and Finance Authority and XXXX XXXX  XXXX. 

My lender has made several false statements regarding my eligibility for a COVID ALM Modification. 

XX/XX/XXXX the COVID ALM Modification was calculated at a 20.21 % reduction. 

Instead of providing me information about the new Mortgage payment, the COVID ALM they made a conscious Decision to not even notify me of this new payment. 

My lender made choice to remove me from COVID Forbearance and COVID Modification Options in XX/XX/XXXX. 

I have been fighting my Lender for over 2 years now. I should have never been put through any of this XXXX. 

Now they have sold my house XX/XX/XXXX without providing proper notice after a Rule 120 hearing. The rule 120 hearing was XX/XX/XXXX, the judge signed this order XX/XX/XXXX. Sold my house XX/XX/XXXX. 

This would be the third vacated Foreclosure, second for the same reason. 

It is more than obvious they have been trying to defraud my home since XX/XX/XXXX. Showed intent when they removed me from COVID Forbearance and COVID Modification in XX/XX/XXXX. 

In the mediation hearing held XX/XX/XXXX the lender didn't feel it was necessary to provide me notices of these actions. 

They are required to provide proper notice after a rule 120 hearing. 

They stole my house for the 3rd time. When will I get action against my lender. 

I shouldn't have to continue with the lawsuit causing me even more horrendous hardships. 

They need to be held accountable for this. 

There are over 2,111 complaints through the CFPB about XXXXXXXX XXXX XXXXXXXX since XXXX. That should be enough to create some attention don't you think? 

All I know is they do not correct this action and come up with a sizeable compensation for the last 2 years I will continue to file complaints and move forward with the lawsuit that I will without a doubt win. 

They had better stop these Deceptive Lending Practices and make serious steps to correct others that have lost their homes like this. 

I am going to start adding names into my lawsuit so that it will be the individuals involved not just the companies.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (UT)

I didn't know about the interest and I have no way of paying the outstanding balance its growing and I don't know if I will make enough in the future to pay it by the time it garnishes my wages
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (FL)

Charged a penalty interest of 29.99 % since XX/XX/XXXX due to a late payment. I called and explained the situation, late payment was removed. I paid the balance monthly on time, on reassessment of penalty APR at 6 months, it was supposed to be removed. I was told it remained in place because the principal balance was not paid however my statement balances have been paid. I called in XX/XX/XXXX and they removed the APR. A rep told me they apologized it remained too long and they would investigate and adjust my account. No one called me back, I received no notification via email about outcomes but was told I would know in 10-15 days. I called back XXXX and was told they denied it and also denied reducing my current APR. I called back to speak with another rep the same week. They opened another case and I spoke with a supervisor that told me they did not remove it because I didnt pay the full balance and that the back office that made the determination did not have a phone number for me to contact them and that they could only read the determination. They also said emails would be re-sent to me once the case opened and the determination was made but I received nothing. To this day, no supervisor followed up and I have no documentation and the interest continues to accrue. I told them I would withhold payment until this case is reviewed and fixed and they kept saying you're on a recorded line and documented I would not pay until it is resolved. I still paid the bill and its still no follow up.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: VYSTAR CREDIT UNION (FL)

These companies have unlawfully provided my information
without obtaining my written consent, as explicitly required by 15
USC 1681B of the FCRA. It is imperative that you understand that I
do not consent to the unauthorized furnishing of any of my
information by any means, as delineated by my rights under the
FCRA. The accounts are listed below: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Furthermore, in light of the provisions stated in 15 USC 1692a(2) of
the FDCPA, it is evident that the transmission of information
regarding a debt, directly or indirectly, through any communication
medium constitutes a "Communication." As per the literal
interpretation of "any medium," this encompasses various forms of
communication, be it oral, written, electronic, or others. Therefore,
the act of furnishing my consumer report, which contains
information about the alleged debt, constitutes a "Communication"
under the FDCPA. In accordance with my rights outlined in 15 USC
1692c(c) of the FDCPA, I hereby provide you with formal notice to
immediately cease all further communication pertaining to these
accounts. This includes, but is not limited to, any form of contact
such as telephone calls, emails, social media interactions, or any
communication made through a Consumer Reporting Agency. Please
be advised that any continued contact or communication from your
company or its agents, except for a communication acknowledging
receipt of this letter, will be viewed as a violation of the FDCPA. It is
crucial that you take this notice seriously, as I am fully prepared to
exercise my rights under the law. Failure to respect this cease-anddesist notice will leave me no choice but to pursue legal action
against your company. Please understand that in any ensuing legal
proceedings, I will seek all available remedies and potentially claim
damages allowed. XXXX XXXX and XXXX XXXX has violated the Billing Error and Practice Act in pursuant to 15 USC 1666. They never gave me the right to opt-out and are not reporting accurately. I want these accounts updated to paid as agreed and never late.
Consumer complaint received 2023-10-18
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. (OK)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XX/XX/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 2024-06-04
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. (IL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX. 
15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA (OH)

XXXX contacted me about a loan that was not mine, threatened and harassed me until I hired a lawyer, XXXX XXXX, and went to court. They could not provide documents to show I ever had the loan the court ruled in my favor. Now, in some student loan database, while I'm trying to apply for Public Service foregiveness, it's showing a loan with XXXX. After several emails, would call but the company has changed, I can't get this to go away!!!
Consumer complaint received 2024-02-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

About a month ago, I purchased {$250.00} worth of XXXX, aka XXXX, crypotcurrency via Coinbase. As my skepticism of Cryptocurrency began to grow, I decided to sell all of XXXX for little to no gain. Upon doing so, I learned that I was not able to do to restriction on this crypto in my region. I did not know this when I bought it and it now seems that it was illegally sold to me via Coinbase. I purchased this Crypto in New York and tried sell it in New York. Im not sure why they were even able to sell it to me in the first place if that was not allowed. 

Coinbase is now not allowing me to transact this crypto in any way. I reached out to Coinbase support and they have informed me that they are able to take my account offline so that I can transfer the currency to a different wallet. Im not sure what this all means, but I do not feel comfortable taking their advice. I hope that you can help me recover my funds and/or put a stop to what seems like a very shady business practices. 


Thank you, XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (FL)

This account states that I settled for less they put somebody else account on my credit report they lie I paid this accountant full. I have my receipts {$8.00} the {$9.00} is not in my account. This is fraudulent and illegal, and I will be seeking a lawyer and I will be suing,
Consumer complaint received 2024-08-03
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 (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-09
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 (MI)

I was given 4 separate prepaid American Express cards, each with {$500.00} balance ( {$2000.00} total ). This was part of a reward scheme through an airline. I was provided with these cards on XX/XX/2024. 

I was only provided with virtual cards, no physical cards. 

I have been unable to use any of the cards at any online retailer, with the exception of one {$5.00} transaction at XXXX. For any other amount, all cards have been declined. I have tried at different times, multiple different retailers ( including XXXX, XXXX, XXXX ), and multiple different transaction types ( buying other gift cards, buying products ). 

I spent over an hour with customer support at AMEX and no help was provided. One of the cards was closed, but a replacement was not provided as they claimed they were having 'difficulty ' doing so. Their customer portal does often not work. 

The proposed solutions from AMEX were not feasible, including : - Replacing the card due to damage to the magnetic strip ( when I was only provided a virtual card ) - Trying at different retailers ( already tried ) - Trying as a debit transaction ( most online retailers do not offer this option ) - Trying in-store ( only provided with a virtual card ) - Adding to my XXXX XXXX  account and spending through that ( did not work ) From internet searches, this appears to be a known issue by AMEX, and there are hundreds of similar complaints on various internet forums. 

The customer support from AMEX has been incredibly poor. Providing gift cards that are known to not work at most locations ( even those listed on their website as 'accepted ' ) while offering no serious remedy when issues are found is a disgrace.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.