davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your attention an inaccuracy in my credit report that requires immediate correction. Upon reviewing my credit report, I discovered an entry related to a late payment that inaccurately portrays my credit history. I believe this discrepancy has occurred due to confusing reporting, as the account was, in fact, paid on time. 
XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It appears that there may have been a misunderstanding or error in the reporting of this information. I am confident that a thorough review will confirm that the payment was made on time and that the late payment entry is inaccurate.
Consumer complaint received 2023-11-17
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. (FL)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against TransUnion for their refusal to investigate my dispute and the false accusation of using an unauthorized third party. On XX/XX/, I submitted a dispute letter to TransUnion regarding the following items : XXXX. XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX XXXX. XXXXXXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX 5. Bankruptcy Reference Number : XXXX Additionally, I addressed concerns about incorrect personal information, including names and addresses. I recently received a response from TransUnion dated XX/XX/2023, in which they refused to investigate these items, claiming they do not believe the dispute is coming from me. This is a false accusation, as I did submit the dispute myself. I am attaching a copy of my original dispute and TransUnion 's response as supporting evidence.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (AR)

ON XX/XX/XXXX I CONTACTED DISCOVER TO REPORT FRAUD ON MY ACCOUNT. I FOUND CHARGES ON XX/XX/XXXX MADE BY AUDIT RECOVERY SYSTEMS FOR {$1300.00}, AND THE OTHER FOR {$2200.00}, I SPOKE WITH A WOMEN NAMED XXXX XXXX SHE EXPLAINED THAT THEY WOULD NEED A COPY OF THE STATEMENT AND A LETTER EXPLAINING THAT I DID NOT DO BUISNESS WITH THIS COMPANY. ONCE I GOT OF THE PHONE I GOT ALL OF MY STATEMENTS TOGETHER, AND REALIZED THAT THERE WERE NUMEROUS CHARGES THAT I WAS SUPPOSED TO GET BACK THAT I WASNT SURE IF I DID SO I HIGHLIGHTED THOSE CHARGES, AND INCLUDED THEM IN MY LETTER. WHICH I THEN MAILED OUT ON XX/XX/XXXX, WHICH WAS SENT TO THE XXXX XXXX  AT XXXX XXXX  XXXX XXXX AZ XXXX. WHEN I SPOKE WITH XXXX SHE EXPLAINED THAT IT CAN TAKE UP TO 90 DAYS FOR THE COMPANY TO GET BACK TO ME, BUT IT HAS BEEN OVER 110 DAYS. I HAVE NOT HEARD ANYTHING FROM THE COMPANY, AND HAVE NOT GOTTEN THE MONEY CREDITED TO ME.
Consumer complaint received 2018-09-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (TX)

My complaint relates to interest and excessive late fees. 
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}. 
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined. 

On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears.
Consumer complaint received 2018-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

I received two mailers from Chase to apply for the Business credit card. Why don't Chase advertise or specify whether this is just a offer or approved one or on what basis they sent this promotion for me.

When i applied for this credit card ( where my credit score is more than 800 ) but still it is being declined. If Chase has to decline my application they should not have sent me this offer twice via mail, right?

It hurts my credit score and i have some specific doubt about Chase - what kind of practices they are following just to cheat the regular folks like me.
Consumer complaint received 2024-04-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

On XX/XX/XXXX, I returned an item bought from XXXX, and they received it on XX/XX/XXXX. Despite multiple attempts to inquire about my refund, XXXX  informed me that I needed to wait XXXX days for the merchant to process it. After waiting, I contacted XXXX  on XX/XX/XXXX, and a supervisor mentioned that this was the final day for the merchant to issue the refund. However, if it wasn't processed, XXXX would handle it. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out a form explaining why the refund hasn't been issued. Today, XX/XX/XXXX, upon calling XXXX, I was instructed to fill out another form explaining why the refund hasn't been issued and I advised them that I have submitted XXXX  and they keep telling me to submit the form again because question XXXX  XXXX was not answered correctly. Question XXXX  XXXX is asking how was the order shipped back to the merchant and I responded via XXXX  and provided the tracking number and they want me to delete the tracking number then they hang up on me. I wasn't informed of this requirement during my previous call on XX/XX/XXXX.
Consumer complaint received 2024-03-21
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)

items were furnished on the consumer report that aren't validated as previously addressed I am a victim of identity theft. I am facing homelessness with XXXX children. please I am being violated my consumer rights are being violated.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Spring Oaks Capital, LLC (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-11-17
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)

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 {$460.00} XX/XX/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 2023-11-17
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. (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. Act Name : XXXX XXXX, XXXX Act Name : XXXX XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX, XXXX Act Name : XXXX  XXXX XXXX XXXX Act Name : XXXX  XXXX, XXXX Act Name : XXXX, XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. To Whom It May Concern, I am writing to dispute a discrepancy that I have discovered in the PAYMENT HISTORY section of my credit report related to the following account : XXXX I have noticed that this account is still being reported as having a payment history each month when it should not since this account is being closed. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights Act Name : XXXX  XXXX XXXX, Inquiries : XXXX  XXXX, Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )
Consumer complaint received 2023-04-26
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXX Date Opened XXXX XXXX, 2021 Balance : {$290000.00}
Consumer complaint received 2018-09-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2016 I paid my monthly bill to Wells Fargo. I sent the payment in on the day it was due, but because it took Wells Fargo time to process it, my payment didn't go through on time and my loan went into default. Back when I was paying my Loan through Wells Fargo, I tried to work with them because I was in a bad financial spot, my dad just losing his job, not having a job myself, and struggling to make ends meet. I had to drop out of school because I couldn't get loan for my second year ( Wells Fargo denied my application even after having two cosigners and a loan history with them ), which is how I got into this situation in the first place. I did the very best I could to make these payments, but Wells Fargo would not budge on the minimum payments. After trying to figure out if there was any way to take my loan out of default, I found that there is no other way to without having to pay off a huge balance. I started making payments, but with the late payments reflected on my credit score it is impeding my progress to get out of my current financial burden.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I filed my XXXX  taxes last year and the funds were deposited in to my bank account at citizens Bank at XXXX XXXX XXXX and they immediately froze my account and refused to release my funds even after I submitted my tax transcripts from the IRS they're saying that it's a scam and that they don't think that it's legit. I don't know what else to do.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2023, XX/XX/2023 and XX/XX/2023 I mailed a certified notarized affidavits to XXXX XXXX XXXX XXXX Chase Bank and XXXX XXXX stating that I never gave their companies consent to share my personal information nor I was not provided with proper disclosure and for that reason I am a victim of identity theft. I have reached out to the respective companies letting them know that I am aware of their improper use of the sharing of my private information without my consent and in fear that they could be using my information for marketing purposes numerous of times with no proper response.
Consumer complaint received 2018-09-06
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)

This account is listed late payments 90+ days on XX/XX/2017, XX/XX/2017, and XX/XX/2017. These dates were in forbearances during these months therefore these payments are not late and are current. Please update this information. I have been sending disputes on this matter for months now because this is severely negatively affecting my credit and causing me so much pain moving forward in my life. XXXX XXXX did a great job updating previous late payment disputes I had and I ask that they please do the same. I ask that three credit bureaus XXXX, Experian, XXXX delete these late payments and update my profile
Consumer complaint received 2024-03-21
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. (FL)

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 2023-05-09
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Franklin Collection Service, Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-09
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: DISCOVER BANK (NY)

Since XX/XX/XXXX every 7 days someone been trying to open a credit card, checking and online account in my name at discover credit card. Since XX/XX/XXXX to XX/XX/XXXX they try XXXX times. I spoke to a fraud representative at discover, XXXX XXXX and XXXX XXXX XXXX  bank card and they are looking into the situation and also put an alert on my name.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MS)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2023-05-09
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: Experian Information Solutions Inc. (FL)

This account was a Charge off account, and it was opened in 2013 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2023-11-18
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. (GA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (NC)

I am having trouble trying to explain to the mortgage company that the real estate taxes are incorrect. The company is insisting that my mortgage payment should increase to cover my property taxes, but the property taxes they have are incorrect. The past three years the county has reduce the amount owed on my taxes. I have a XXXX XXXX a XXXX survivor. If theyre sending the incorrect amount XXXX XXXX XXXX refund the difference to them. Which is my understanding that they should refund it back to me I have not received a notice of my homeowners insurance increasing so I dont understand what is the need of increasing my mortgage payment as a sidenote, I am under new Rez, which is a a company of XXXX
Consumer complaint received 2023-11-18
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. (NY)

I noticed wrong information on my credit report for XXXX and transunion. Such as my birth year and last name. My birth year is XXXX not XXXX and my Last name is XXXX not XXXX.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Opened savings account with Citibank. Was notified in XXXX that they were closing the account and would send our funds back to us. It is XXXX, and we have received no funds after multiple phone calls.