davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

The Fair Credit Reporting Act mandates that accurate and verified information be reported on consumers ' credit reports. In my case, the verification process appears to be delayed or ignored, causing further distress and damage to my financial standing. 
XXXX XXXX -PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX -PLEASE DELETE!!! 
I demand immediate action to address this situation. Specifically, I expect your agency to : Expedite the investigation into the fraudulent accounts on my credit report. 
Remove the fraudulent accounts promptly, as they are causing substantial harm to my creditworthiness. 
Provide me with written confirmation of the corrections made and an updated credit report reflecting these changes within 15 days of receiving this letter.
Consumer complaint received 2023-09-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

I transferred XXXX to Marcus bank 10 months CD account. One day they restricted my online access. I called them several times. They wanted me to fill up the form for affidavit of identity in order to give my access back. It took them 2-3 weeks just to mail out the form to my address. I was not in the country when my form arrived so I called them several times just to make sure I can do the notary at embassy overseas or online. The answer was yes. I did the Texas online notary and mailed the form back to them. About 1-2 weeks after, I received an email saying my CD account was closed. I called them back asking where my money went. They put me on hold for 30 mins just to tell me to call back again in 3 days. Then I called back, the call lasted almost an hour, still have no definite answer. The specialist told me that looked like the previous agent I talked to couple days ago was trying to reopen an account for me and put my fund back and they are working on it. I asked him if they can just mail the funds back as a check to my address cuz Im done dealing with them. He said he couldnt because theres no money in my account to transfer out that I need to wait til the account was reopen and funds moved back in order to transfer out.and he wanted me to call back in 3 days. So I called back then they couldnt even tell me where my money is now. She even told me that she couldnt discuss with me any further because my affidavit of identity was not complete!!! I literally just went off on the phone with her, its been ridiculous. She said the stamp is not legit and its not in person signature. I told her the online notary is legit and certified. She said I have to redo the form and she refused to talk to me further. I told her Ill not be in the country for another half a year. And I dont see why the certified online notary is not legit at their bank. And i literally just wanted to know where my funds in the account went since they closed it. I feel I just lost XXXX at their bank its ridiculous I dont know what to do
Consumer complaint received 2024-01-21
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 (GA)

I received a {$1000.00} American Express gift card as a gift, then tried to use it with a few different online retailers, grocers, etc. Each and every time, it was declined. I contacted these companies and they told me to contact American Express ; it was not them declining the charge. I contacted American Express and they said that the charges are declined for " security reasons '' and they can not discuss specifics.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I contacted Equifax to remove some fraudulent accounts from my credit report and they did not investigate the problem at all. They responded with irrelevant information and did NOT provide me with investigation results to my dispute. I was a victim of identity theft, amongst other crimes, and the credit bureaus did nothing to help me to fix this.
Consumer complaint received 2024-01-05
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)

I am filing this complaint to EQUIFAX. I am requesting that all late payments markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. Accounts payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MO)

On XX/XX/XXXX I submitted a complaint concerning my mortgage (Caliber Home Loan)Complaint# XXXX.In their respond they said they would work with me getting a modification, I submitted everything they asked for in a timely matter .They called me a few times requesting other items , and I submitted them. They said they would notify me. Did not hear from them by phone, mail etc....Received a letter XX/XX/XXXX from an attorney stating that I had to be out of the property in 10 days. Per XXXX XXXX  respond thru CFPB they said they notified their foreclosure firm on XX/XX/XXXX to temporarily suspend any additional foreclosure proceedings to allow sufficient time to return complete mitigation application. I did what they ask and now they are kicking me out with out any other notice.
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states I have a right to privacy.

15 USC 1681 Section 602A states also state a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-04-28
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

WESTLAKE PORTFOLIO MGM Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2023-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc. (FL)

I have already file one complaint with you guys against XXXX XXXX XXXX for applying a debt to my report XXXX times, each time failed to provide anything proving the debt and it belongs to me so the XXXX disputes ended with it being removed, my information has been sold now by this company to another debt agency called lockhpuse Morissette and Mont, regarding XXXX XXXX XXXX, now as explained in my prior complaint it is absolutely impossible to have a medical debt under my or any of my children 's names we have all been covered under XXXX  XXXX for years, now after the last complaint with you, I filed one against the XXXX XXXX in XXXX XXXX regarding this debt, and that fact that even if by some far chance this is mine, thT I am more than aware that in the state of Florida if your health insurance is not accepted by a doc place or treatment you ate tho be notified immediately. I was never notified. I also after the last complaint, I also called XXXX, they were unable to confirm that there was any medical bill that was unpaid by them regarding me or my children. This debt is no straight harassment as all three companies that have picked it up since XXXX  are unable to provide any information, XXXX  says all medical and emergency isots over the last XXXX XXXX  have been paid in full, I don't understand how this is legal, it is messing with my life, my credit which I need to move to a better area. This is unacceptable
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc. (FL)

I purchased furniture from XXXX XXXX through American First Finance on XX/XX/23. I have been making biweekly payments of {$250.00} since last year. Ive had sever issues with the bank regarding my payments. Theyve made repeated errors with my auto drafts and begin harassing me the same day the payments are due after they fail to fix the errors on there end. 

After several frustrating calls, texts, emails, and chats, I began to just make the payments on my own. When I noticed my balance was continuously increasing in spite of my biweekly payments, I reached out to find out why my balance wasnt decreasing. I was told my balance wasnt decreasing when I make payments because Im paying lease and loan fees. I asked to return the furniture and cancel my contract due to my bad experiences since Ive started making payments. I was then told they do not pick up merchandise nor does the vendor accept returns. I was given contact information for another department to request a return. 

I never had luck via telephone, so I submitted a return request via email. I was told the store didnt accept returns so I would have to complete a donation return process, while still making payments.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Good Morning I was Trying to Open An USAA account but can not because it say prior unacceptable account usage and if im not mistaking it years ago where I experienced identity theft I was young and a mother and I clicked on add. But i learned from it. I have been doing good but now its becoming a pest
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (TX)

XXXX XXXX of XXXX Tx They are saying I owe them {$2700.00}. I don't know for what because I had medical Insurance and it should have covered what I went there for which was a cold and I was told I was dehydrated.
Consumer complaint received 2024-01-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc. (TX)

Dear Consumer Protection Bureau, I am writing to file a formal complaint against Afterpay, regarding their abysmal customer service and lack of reliability. Not only have they froze my credit line without any explanation, but they also do not provide a customer service phone number, leaving customers like myself feeling frustrated and neglected. My orders are all current and paid so there's no justification as of why my credit line got reduced to XXXX, so I demand a reinstatement or a payout of my pending orders from their own pocket as this is unacceptable I have tried reaching out to Afterpay through their chat feature, but to no avail. It is extremely concerning that they have not responded to my message, leading me to speculate that they may have either gone bankrupt or are engaging in deceptive business practices. 

I strongly believe that Afterpay 's behavior is unacceptable and warrants immediate investigation. As a consumer, I expect transparency, reliability, and accessible customer service from any company I engage with. Afterpay.
Consumer complaint received 2024-01-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I went to XXXX XXXX Department XXXX and purchased XXXX was asked if I wanted to apply for credit through XXXXXXXX XXXX and id receive some $ off on my purchases... I paid and left. I get a bill for {$89.00} from Synchrony bank... I paid that much for the clothes and was surprised... Wasn't aware I had a Synchrony debt now. I appealed but never heard anything... They've called me XXXX  of times over the last XXXX XXXX ... Now they say interest has increased the debt to $ XXXX dollars ... They say they are willing to settle debt for {$330.00} I ask to speak with their supervisor... 
XXXX is not available... 
I want to report them for predatory practices...
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, a transaction was made from my bank account @ XXXX, In XXXX XXXX XXXX  XXXX XXXX California XXXX It was at the XXXX XXXX XXXX ( XXXX community ) Im XXXX! I called my bank telling them it wasnt me. They said they would investigate and they got back to me saying theres nothing wrong with the transaction. And was made by me. But it wasnt. I call the entertainment owner and he wouldnt help me at all. Nothing. The bank wont give me my money back, and keep saying the transaction was made by me but it wasnt. I dont know what to do. The bank says they need proof but wont tell me what kind of proof I need and wont help me. I even got a new card issued to me, but when I got it, it wouldnt work. I could use my own new card and had to get a new one and a new pin 3 times. The bank info I am using is called chase.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (KY)

As of XX/XX/year>, Early Warning Services contends that they are not required to freeze or opt-out any of their services, consumer reports, database entries, or other information held on individual consumers. They claim that, as a specialty consumer agency, they are not required to offer freezes. This insecure process guarantees that those affected by identity theft have no ability to control their EWS reports, nor any method of controlling the usage of that information. In an era of targeted cyberattacks against financial databases, this lack of security is appalling. EWS is not somehow special in their methods of collecting and furnishing aggregated financial and consumer information in repots- they are indistinguishable from other CRAs, and should not continue to operate without adequate regulation.
Consumer complaint received 2024-01-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra (MS)

My account went to XXXX balance and I cant transfer what I did have left in the account because they wont let me verify my identity since I live in the united states. They have said I am too late to get my funds and they have zerod the account. I feel scammed since I recieved no prior notification of the closure of XXXX accounts.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

After reviewing my credit report, I noticed I have 2 late payments being reported by BARCLAYS BANK/GAP . I called and they were unwilling to reverse the late payments although I have excellent payment history, and this was an oversight on their part. This is not how a customer with my history should be treated, I notice the late payment was reported in XX/XX/ and XXXX XXXX  Please note I have excellent payment history with is company and has never been late. From my history of never being late, this is an oversight on behalf of the client. Please note this report is a violation of my consumer rights. 
Please understand as a consumer my rights were violated by the reporting of these late payments. I would like these late payments to be removed and cleared from my credit profile. 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Prosper Marketplace, Inc. (OK)

In XXXX, I had a major XXXX, was off work for XXXX  XXXX, missed my {$30.00} payment. They allowed a transaction to go thru that was over the limit for {$110.00}. This created a landslide of over the limit fees, late fees, merchandise fees, Ballooning the minimum payment. In XXXX  I contacted prosper  to ask if they had a program to help since it was a medical situation that contributed. I was told I didnt qualify. I asked for the card to be shut down and fees stopped so I could pay it off and be done with it, again refused. The minimum payment is now {$810.00} on a card with a {$700.00} limit. There is absolutely no way to get a handle on this card when they are increasing the payment at this rate. I want the card shut down so the fees will stop and I can get it paid off. I do not want this account or their business.
Consumer complaint received 2024-04-24
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 recently checked my credit report and found an error in XXXX of my accounts ' payment history. The report shows XXXX late payments, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information, and this account has never been late. I've attached a copy of my credit report to illustrate the incorrect information, along with the specific dates : XX/XX/year> AND XX/XX/year>. The account number is ( XXXX ) I'm requesting that you update these records to reflect that the payments were made on time. Additionally, I'd like to point out that it's not possible to go from 0 days late to 120 days late without a prior progression. Thank you for addressing this issue promptly.