davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (IL)

This in regards to financing I took out with Service Finance Company , LLC. On XX/XX/XXXX I sent a check for the balance of the loan, {$7600.00}. On XX/XX/XXXX I received notice from my bank the check had been cashed. ON XX/XX/XXXX I received a debt collection notice stating my account was 31 days past due and that I owed {$450.00} by XX/XX/XXXX. I immediately called and was transferred to a person named XXXX who explained I still owned approx. {$350.00} because of interest. I curtly informed him that was not true as my check was in the mail on XX/XX/XXXX. He said he would see what he could do. After a few minutes, he came back and let me know that they would forgo the {$350.00} and I would just have to pay a late fee of {$10.00}. I very directly refused to pay them a XXXX more and told them I know what they are doing and demanded them send me a receipt that shows this loan payed in full. I also told them I will be filing a complaint with the CFBP and if I threatened legal action if I receive any more debt notices or if any late fees or collection shows up on my credit report.
Consumer complaint received 2024-05-03
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: MOHELA (NY)

As part of a litigation settlement XXXX vs XXXX my student debt was discharged. In addition all credit reporting translates were supposed to be deleted from my credit report. I send the proper paperwork to XXXX and Mohela and they refuse to delete it from my credit report. XXXX follows there same routine when investigating and do not take any paperwork provided into consideration. They are reaching out to Mohela only to verify the late payments that indeed took place. They are not investigating the actual settlement and action that was supposed to be taken to delete the entire loan history from the credit report.
Consumer complaint received 2023-06-15
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC. (TX)

Sofi is not providing me with documentation to support their alleged claims of the information they are reporting about me on my credit report. Anything reported about me has to be based on facts and I have yet to receive any documentation for this inaccurate account. They are damaging my credit score unfairly and causing me hardship due to me being denied for housing because of this error.
Consumer complaint received 2024-06-03
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: Westcreek Financial (MS)

If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt Fair Debt Collection Report Act 15 U.S.C 1692c ( c )
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Capital one closed all 3 of my accounts in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX at the time and they just closed my accounts with out warning. Now all 3 of them are being reported as late or as charge offs. 
The charge off accounts I would like to offer them a pay for delete where I would pay the account and then they would remove it from my credit report. 
The late account I would like to offer the same. I would pay it off if they delete if from my credit report.
Consumer complaint received 2024-06-02
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AZ)

On XXXX XXXX XXXXXX/XX/year>, I was sent e-correspondence from Synchrony that my Amazon store credit card credit limit was reduced from {$3000.00} to {$2100.00}. I have never missed a payment, yet Synchrony decided, without my authorization, to look into my full credit report/profile and lower it. 

This was executed without any prior notice or apparent reason. As a responsible cardholder who has never missed a payment, this arbitrary action has had a detrimental impact on my credit rating, and I seek immediate attention to rectify this issue. 

Maintaining a healthy credit score is of utmost importance to me, and I have consistently demonstrated financial responsibility by ensuring all my payments are made in full and on time. Despite my diligent efforts, the sudden reduction of my credit limit has adversely affected my credit utilization ratio, thereby causing an unjustified drop in my credit score. This unwarranted decrease in credit limit not only undermines my financial standing but also hinders my ability to access credit in the future under favorable terms. 

I value my relationship with Synchrony Financial and hope for a prompt and fair resolution to this matter. CFPBs assistance in addressing this issue will not only restore my credit limit but also reaffirm my confidence in your commitment to customer satisfaction.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/2024 I applied for 3 credit cards through XXXX XXXX I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FISERV INC. (NJ)

This is continuation of previous complaint ID XXXX SUBMITTED ON XX/XX/2024. XXXX XXXXXXXX ( part of Fiserv ) is holding funds over 90 days and not releasing funds. It has been more than 100 days since last processed transactions and over 90 days since the account was closed. Numerous attempts via customer service calls were made to release funds. XXXX  XXXX representatives are not calling back or respond to our numerous requests. $ XXXX in funds are being held without any reason. This company is a scam.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/year> I applied for 3 credit cards through XXXX XXXX. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (FL)

I am a victim of identity theft, which has led to multiple fraudulent items being added to my credit report without my authorization. There are XXXX unauthorized accounts and an inquiry that were placed on my report without my knowledge or consent. 

Fraudulent Inquiry : - 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 have already taken the necessary steps by reporting this identity theft to the Federal Trade Commission ( FTC ). I am now requesting the immediate removal of these fraudulent accounts and inquiry to restore the accuracy of my credit report.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC (FL)

On XX/XX/year> I applied for XXXX credit cards through Credit karma. I was denied because my credit was frozen. I unfroze it and ran it again. They informed me that since I was declined I could not get it. However, I was told it would not effect my credit to apply. Instead of a soft pull they did a hard pull which did effect my credit. XXXX points are added for every hard pull. 
The cards were : Milestone, Destiny, and Indigo. 
I have sent numerous emails requesting them to remove this from my credit account and have not received a reply from them. 
I feel that if I was declined the first time because my credit was froze and declined the second time due to the first decline, then why would they pull my credit? It doesn't make sense why it's on my credit report. 
I disputed it with XXXX and was told that the companies have to remove it. How can anyone contact them when there is no contact information? 
I hope you can help me with this issue. 
Thank you
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had 2 accounts at Bank of America. One was in use and one was not, but both showed up on my account web page. Once several months ago I had made my payment and accidentally clicked on the wrong box and the payment posted to the wrong account, the one with a XXXX balance and not to the account being used that had a balance due. I received an email that my payment was past due but knew I had made it. I went to the webpage, saw where the payment had posted to the wrong account, called Bank of America and explained what happened and while on the phone with them they transferred the payment to the correct account and removed the late payment fee. I asked that the old account be closed and removed from the webpage so this didn't happen again. They closed the account but did not remove it from the page and I made a payment in XXXX XXXX XXXX  and once again clicked the wrong box and the payment posted to the wrong account. I didn't realize it until I got a payment overdue email from them a few days later. So I called again, told them what happened and how it had been corrected before. I once again asked that this second account be removed from the page so this didn't happen again. The young lady I spoke with said she could not move the balance over and that I would have to make another payment to the correct account and she could not remove the late fee. She said they would mail me a check for the credit balance on the other account and I should receive it within XXXX days. During the call we were disconnected so I called back and spoke to a young man and told him what happened and he said the same thing. A check would be issued for the balance within XXXX days but I would have to make another payment to the other account. I told him I would pay the active account off IN FULL, including the late payment fee, and for them to immediately send me a check for the {$300.00} credit on the closed account. I asked that they also close the current account and take me off their mailing list as I would never do business with them again. He assured me a check would be sent and that the active account would be closed once it was paid off. The account has been paid off but 2 weeks later I still had not received my {$300.00} back. I called again and the lady I spoke with said she had no idea why I had been told what I had as they do not issue paper checks. She said she would start an inquiry and I should hear something within- AGAIN - 7 to 10 days. It is now XX/XX/XXXX and I have not heard a thing. I want my {$300.00} issued back to me. My current account has been paid in full and has a {$0.00} balance and the 2nd closed account still shows a {$300.00} credit balance.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Furnisher of information to credit agencies, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX Order # XXXX Amount paid : {$6600.00} Order Date : XXXX XXXX XXXX  Just for context, I'm a XXXX XXXXXXXX XXXX XXXX  no longer working and XXXX XXXX XXXX XXXX XXXX. 

On XXXXXXXX XXXX XXXX I bought a gold chain online from a merchant called XXXX XXXX XXXX XXXX and paid {$6600.00} on my Bank of America debit card. 

The following day an empty box was delivered by XXXX. 

It had an invoice and an empty, small zip-loc type bag in it. I called XXXX immediately and I've spoken to seven customer service folks at different levels, providing them with whatever they have asked me for : several interviews, photos of the box, etc. 

The XXXX representative on XX/XX/XXXX told me to contact XXXX XXXX directly and request a refund. I tried to contact them many times without success. XXXX representatives assured me on multiple occasions that my funds. would be refunded and not to worry. 

XXXX advertises a warranty/guarantee that promises to protect consumers if they are defrauded by a merchant using their platform. It is called the XXXX XXXX and my claim for coverage under this was also denied. 

I reported this back to XXXX ; the representative said they would look into it. The day the box arrived, I read the reviews and I'm glad that I saved the webpage. I will submit via your portal the 13 other reviews by customers who paid for but did not receive their orders from XXXX XXXX ( all in less than last 6 months ). 

When I checked XXXX XXXX weeks later, there were no reviews at all. All wiped clean and the review function itself only to be found at the bottom of at least a 5 page scroll down from the top, not at the usual location near the top. 

After more than a dozen calls and emails with XXXX, they emailed me and said I was not going to receive a refund. No reason was given and none was available when I called to follow up. 

I requested Bank of America to chargeback this purchase as it was fraud. So far they have refused to indemnify me and they did not even provide a provisional credit as required under Federal law and as promised in their " Deposit Agreement and Disclosures '' provided when I opened my account. 

I am owed {$6600.00} from Bank of America. 

Thank you
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am attempting specific financial transactions, but illegally reported information and identity theft is preventing that from moving forward. Illegal activity of credit reporting agencies damages my character and livelihood. I have discovered numerous agencies used my social security number and other information for fraudulent purposes for an unknown amount of time. Credit agencies listed inaccurate information on my credit report, per 15 USC 1681, et seq. Because of that fact, I DO NOT BELIEVE CREDIT AGENCIES PERFORMED AN ACCURATE INVESTIGATION. Mismatched data supplied to all three credit bureaus is negative and inaccurate. Agencies failure to investigate properly is an intentional and / or negligent FCRA violation. 
Agencies have willfully failed to delete my disputed information. Said information is not valid proof for a reasonable determination which complies with the FCRA. Alleged debts herein were written off from a 1099 C ( 26 U.S.C. 6050 ( P ), the purchaser and original creditor accepted the dispute, and no proof of an accurate investigation was provided. Pursuant to 15 U.S.C. 1681 2 2 ( A ) companies violate the law regarding the responsibilities of furnishers of information to consumer reporting agencies. Also, 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, it is a violation of privacy. Per US CODE 15 U.S.C. 1681 B 2 ( a ) no entity can list information in my consumer report without my written permission. Per U.S. CODE 1028 ( a ) information furnished without my written permission is identity theft. 
Isnt it true HJR-192 prohibits payment of debt and substitutes evidence of discharge of an obligation -- thereby not only subverting, but totally bypassing the " absolute prohibition '' so carefully engineered into the US Constitution? There is nothing for this Article to operate on, just as there is nothing for Common Law to operate on. Perpetual debt, bills, notes, cheques, and credits fall within a different authority than contemplated by Article I, Section 10, Clause 1 -- and that authority belongs exclusively to the Law of Admiralty and Maritime. Obviously, if we can not pay our debts at law, we are also benefiting from limited liability under the Limited Liability Act when we use this credit -- and that is marine insurance.