davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccurate information on XXXX is not matching XXXX. XXXX is showing a credit score of XXXX when XXXX is XXXX. It is effecting a mortgage loan interest rate. 

Also, Inaccurate information on Transunion is not matching XXXX. Transunion is showing a credit score of XXXX when XXXX is XXXX. It is effecting a mortgage loan interest rate.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am a victim of identity theft and I've been working nonstop to correct these fraudulent accounts opened in my name now most of these accounts are reporting to the credit agencies and will remain there for 7 years. Which isn't fair when I have no knowledge of these companies nor have I ever done business with these companies. 

A list of credit cards, phones, utility, and checking accounts opened in my name and social security number.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I am disappointed to inform you that despite sending a dispute letter in XXXX, I have not received any response from the bureau. I have attached a copy of the letter as proof of my attempt to initiate communication. I kindly request your prompt attention to this matter and a thorough investigation into the issues raised in my initial dispute.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Experian said that removed XXXX XXXX XXXX  off my credit report for inaccuracies. Its appearing different across all three bureus. This is not fair and equitable to the consumer. Now the account is reappearing on my reports illegally. This is against the law! Now I am unable to access my credit reports nor get them on the phone. This is against my rights!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: United Revenue Corporation (TX)

I reached out to the company to get a verification of debts for an account of XXXX XXXX and for United Revenue Corporation on my account in XXXX of 2023. 

I have yet to still see any response this Credit report agency has failed to follow dispute procedures, also has failed to conduct an initial internal investigation within 30 days, the third violation was they did not inform me of the results within 5 days. 
Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting. 


Pursuant to 15 usc 1681 ( a ) ( 2 ) g Your company 's mistake has caused me serious harm. Serious harm means any harm, whether physical or non physical, including psychological, financial, or reputational harm. My reputation has been negatively impacted. 
Since your company ASSUMED this role, it depends upon an honest evaluation. You have not received expressed permission from me, the consumer, to report these inaccuracies. And since you assumed this information was valid. This is a direct violation of my consumer rights. 

When you furnished this inaccurate information without doing a thorough and fair investigation you violated my rights. As a result of you not validating this information before Reporting To my consumer report, you have breached my rights to privacy.
Consumer complaint received 2024-04-29
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. (OH)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-07-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-02-02
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (UT)

On XX/XX/XXXX three American Express Gift Cards for XXXX} each ( a total of {XXXX} ) were purchased from the XXXX store located at XXXX XXXX XXXX XXXX, XXXX XXXX UT XXXX. These cards were given to our XXXX children as XXXX Gifts. 

On XX/XX/XXXX, these cards were attempted to be used at three different gas stations across the state of Utah. None of them worked. 

After multiple attempts to use the cards, they would never work. On XX/XX/XXXX we checked the balance on the cards. Each of the XXXX cards had a balance of {XXXX. The first card had XXXX charges from XXXX XXXX XXXXXXXX, and XXXX which exhausted the {XXXX. The second card had one purchase from a mushroom company in XXXX, CO, exhausting the full XXXX}. And the XXXX  card was used in XXXX cities : XXXX XXXX, XXXX, and XXXX - exhausting all funds. We were never able to use the cards and we never visited these locations. 

After being an AMEX card member for more than XXXX  years ( and currently holding one of their highest-fee cards ), we sent in a dispute and our dispute was rejected without any type of clarity or information. The case number is # XXXX. 

These card numbers were clearly stolen before we could use the cards. The packaging is such that the card numbers and other necessary details can be viewed without opening the packaging on the card. We are now out {XXXX} and AMEX needs to reimburse us for their insecure and ill-packaged product.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TN)

On XX/XX/XXXX I went into Chase Bank in XXXX TN. There I used the inside ATM machine to deposit some money, but in the process of taking all the money I inserted which was about {$670.00}, the machine crashes and states its temporarily unavailable. I received no receipt and no deposit. I went and got a banker to assist me and she stated that it was nothing they could do, a tech would have to come out and fix the machine. The banker also assist me in getting a credit to my account until the machine was investigated. I was told once they came out either the money would be deposit or they would call me. A month later XX/XX/2024 my account was debit {$540.00}. I called and ask why the claims department stated that my claim was denied and they only saw where I deposit XXXX. I asked for a second audit of this situation and for them to look at cameras because I know what I put in that machine and its crazy the money is all of sudden not there after the people came to fix the machine. Im at the point right now where I may need to get a lawyer because {$500.00} dollars is not little money to just let go and I know I deposit over {$600.00} into that machine.
Consumer complaint received 2023-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (MD)

My car was a total loss in XX/XX/XXXX, my insurance paid out over XXXX the check was cashed and showed in the Bridgecrest app as a payment onXX/XX/XXXX, my gap insurance also sent payment that was cashed by Bridgecrest on XX/XX/scrub>XX/XX/XXXX, these check coupled with the car payments I was still making totaled more then what I owed for the car, the car has now been paid for plus some, yet its XX/XX/XXXX and Bridgecrest has reversed payments on my account and is showing a balance owed from when I first bought the car. What have they done with all my payments? Why am I being charged payment reversal fees when I never reversed any payments? Where did all the money go? When I call and ask they tell me they have my money and they need more time to process things and that Im to keep making payments, I dont understood how this is legal? They cashed the insurance checks? Am I being scammed?
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

.Subject : Formal Complaint Regarding Fraudulent Charges on Best Buy Credit Card Issued by Citi Bank Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to bring to your attention a concerning and unresolved issue involving fraudulent activities on my Best Buy credit card, which is issued by Citi Bank. Despite numerous attempts to rectify the situation, I have not received a satisfactory resolution, and I believe that your intervention is necessary to address the injustice I am currently facing. 

The incident in question took place when unauthorized individuals gained access to my credit card information and made online purchases from Best Buy. These fraudulent charges subsequently appeared on my monthly statement from Best Buy. I promptly contacted Best Buy 's fraud department to report the unauthorized transactions and requested a refund for the items I neither purchased nor received. 

In my attempts to seek redress, I submitted a written complaint to Best Buy, detailing the circumstances surrounding the fraudulent charges and requesting delivery records for the disputed items. Regrettably, Best Buy failed to provide substantive answers to my queries. Upon contacting their fraud department via phone, I was informed that the purchases were indeed identified as fraudulent and that a refund would be issued. Unfortunately, no concrete action was taken to effect the promised refund. 

Frustrated by the lack of resolution from Best Buy, I escalated the matter to the Federal Trade Commission by filing a case on XX/XX/2023, under the reference number XXXX. However, to date, I have not received any response from the Federal Trade Commission regarding the status of my case. 

Compounding the issue, I recently received a notice from Citi Bank threatening to escalate the matter to a debt collection agency if I do not settle the full amount. This threat is both unjust and unwarranted, considering that I am an innocent victim of fraud, and the issue has been pending resolution for almost two years. 

I am seeking your assistance in ensuring a fair and timely resolution to this matter. I kindly request the Consumer Financial Protection Bureau 's intervention to investigate the fraudulent charges on my Best Buy credit card, facilitate communication with the involved parties, and expedite the refund process. Additionally, I urge the Bureau to look into the lack of response from the Federal Trade Commission regarding my filed case. 

I appreciate your attention to this matter and trust that your intervention will lead to a just resolution. I have attached relevant documentation, including copies of my correspondence with Best Buy, the case filing with the Federal Trade Commission, and the notice from Citi Bank for your reference. 

Thank you for your prompt consideration and assistance.
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (MI)

I was notified by the previous mortgage serviced that my mortgage was sold and would be transferred effective XX/XX/year>. I was told that I would receive a statement from the new company with the loan number. Ive been to the site servers times and tried to find the loan through my social security number and have been unable to. I also tried contacting the company and the phone number listed on the website is not in service. They claim to be XXXX accredited with an A+ but I am unable to get in contact with a company that I am attempting to make a payment to.
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC. (TX)

I filed a fraud claim because XXXX XXXX was claiming i purchased over {$2000.00} worth of stuff in the store. I have never visited that location and it is over an hour away from my house. I even told them they had given the wrong phone number when purchasing and that was not my phone number. XXXX XXXX declined my fraud claim and would not provide extra information i requested
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

This debt was originally a XXXX store card from back in XXXX. Portfolio Recovery Associates, told me they purchased the debt in XX/XX/XXXX. At that time I have made payments over the years in an attempt to try to pay off the debt because 90 % of the debt did not come from purchases but interest on late fees. I told them at the time I called them for a resolution I was on a low fixed income and I could send {$25.00} per month and I have consistently too over the years. This debt is over XXXX XXXX XXXX and should not be on my credit report and account should be closed. It is now XXXX and I'm still being asked to paying this off for something that should be closed.
Consumer complaint received 2024-04-29
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. (PA)

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 2024-02-02
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: AMERICAN EXPRESS COMPANY (WA)

I received a XXXX percent interest offer from American Express for 15 months. My son, XXXX had been working on paying down a high interest credit card, so I offered to open this American Express account for him to transfer his balance into and pay off sooner. 

We applied, we received the card and he transferred his balance. Then he found that he was paying XXXX percent interest. When I called American Express, they informed me that I did not qualify for the XXXX percent offer. They opened an account with the XXXX percent offer application at XXXX percent. 
What a shake down. 

How is this legal? I want to see my signature on something that says I agreed to a XXXX percent card. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I recently sent in a complaint to Credit Acceptance about late payments they are reporting to the 3 credit agencies. Credit Acceptance responded saying they are in compliance witht the fair credit reporting act but I completely disagree. I have attached their response with my written notes and violations Credit acceptance is clearly in violation of without a doubt. I want this account to be updated before I think about pursuing for damages that I could be entitled to under the fcra. I've been looking hard into this using the CFPB 's resources and reading up on the law and I'm more than sure I am correct. I am sending this via mail to Credit Acceptance as well and now copy the NJ state attorney general. This account continues to damage my character unfairly and I need resolve
Consumer complaint received 2023-11-22
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: NAVY FEDERAL CREDIT UNION (FL)

XXXX XXXX is reporting XXXX late payments in the payment history on my credit report however it reading XXXX late payments on the same account. This is inconsistent and a violation of the FCRA on my behalf to report false inaccurate information.Ive attached a screenshot below for reference.
Consumer complaint received 2024-02-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (GA)

I am writing to follow up on my loss mitigation application for forbearance. I have filled out the application and mailed it back to Shellpoint Mortgage Servicing at the address provided : XXXX XXXX XXXX, XXXX SC, XXXX. As you are aware, you are the servicer of my mortgage loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. My loan number is XXXX. 

I assume that, like most mortgages, my home loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency, a job loss and a costly illness and request forbearance on my mortgage loan under the CARES Act for a period of 180 days. 

Please let me know if you need any supporting documents to expedite the process. I tried to reach you on XX/XX/2024 at approximately XXXX using the phone number listed on the website ( XXXX ) XXXX, but unfortunately, I was not able to reach you. 
XXXX, XXXX, Shellpoint mortgage has hired law firm to start foreclosure proceeding against my property and the foreclosure sales is schedule for XX/XX/2024.
Consumer complaint received 2024-02-02
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: FinFit Holding Co, LLC (IL)

I am an Illinois XXXX employee and this company 's loan products were marketed to XXXX employees through my XXXX XXXX HR/benefits agency ( XXXX  XXXX XXXX XXXX ) , as well as a 3rd party benefits administrator ( XXXX ). I took out an installment loan in XX/XX/XXXX to cover some home remodeling expenses. Payments are deducted directly from my paycheck. Dealing with this company has been a nightmare. As of early XXXX, after making multiple additional payments, I had paid off 74 % of the loan, putting me months ahead of schedule to pay off this loan. There have been a number of documented " payment processing '' and " operational '' issues. The first issue resulted in a scheduled payment not happening ... and a 2nd issue resulted in two loan payments being deducted at the same time. There is no way to schedule additional payments through the company 's online account dashboard - meaning you need to contact the company directly when you want to make additional payments. Likewise, no Payoff balance is available through the online dashboard, either. Lastly, there is no breakdown available of interest and principal. In XXXX, XXXX, the company began making unauthorized ACH debits from my checking account by using the same account information that I had used to make multiple extra payments on the loan. Lastly, and most importantly, I have made several requests, via company email, for my payoff amount, and the lender has been completely unresponsive. I sent an emails on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX, there has been no response from the company. And, like other reviewers have mentioned, customer service is pretty bad and response times are painfully slow.
Consumer complaint received 2024-04-29
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. (TX)

PLEASE BLOCK AND REMOVE I urgently implore you to take immediate action to address the fraudulent inquiries on my credit report. These unauthorized inquiries have caused me significant distress, as I did not authorize them. It is unjust for me to bear responsibility for these accounts, as I did not initiate or approve them. I urge you to promptly rectify this situation.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Experian Credit Reporting Agency has violated several of my rights. Under the FCRA, credit reporting agencies must report accurate personal information, I've reached out multiple times to Experian to remove this address ( XXXX XXXX XXXX, XXXX, NY XXXX ) from my credit report because that address never belongs to me, my only ever address is the one attached on my bank statement attached and above on this complaint. the wrong address on my Experian Credit Report must be deleted immediately. 

thank you