davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MN)

The debt collection agency NATIONAL CREDIT SYSTEMS parked a debt on my consumer reports without notifying me of the alleged debt. I never received a notification or disclosure to dispute the debt or that the communication was from a debt collector. I, XXXX XXXX, noticed that NATIONAL CREDIT SYSTEMS is not licensed in the state of XXXX or XXXX. This company also gives implications that the holder of this account is from an attorney. A violation per 15 USC 1692e ( 3 ). This company is also damaging my financial reputation placing this alleged debt on my consumer report with the three consumer reporting agencies. A violation of 15 USC 1692d ( 1 ). This behavior is deceptive and abusive.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2023-08-06
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 U.S.C 1681 section 602 A. States I have 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.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2024-03-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (MA)

I opened a XXXX XXXX  account with XXXX Bank XXXX XX/XX/XXXX. The account was funded via an ACH transfer from another bank. A year later, on XX/XX/XXXX, the XXXX matured. I sought to close the account and have the funds transferred to my checking account at XXXX XXXX XXXXXXXX. 
I then learned that while BMO accepts ACH transfers to fund accounts, at closing the only option the bank offers is to send a check, using snail mail. Unless, I chose to transfer the money to another BMO product. 

With no other options- and since I needed the funds- on XX/XX/XXXX, I requested that the check be sent to me. I did not receive the check until XX/XX/XXXX - 8 days after my request to have the account closed and the funds remitted. 

To make matters worse, I learned that it would take another 7 days for the check to clear and the funds transferred from XXXX Bank. 

Clearly XXXX has the ability and capability to process ACH transfers. They're engaged in an unfair and deceptive practice through which they hold customers ' monies for an extended period- in this case 15 days - without paying any interest. 
I asked the bank to reimburse me the interest owed during the time they held the funds, and XXXX refused. 

BMO seems to be operating like XXXX California. You can 'check in ' via ACH, but you can not check out ... at least not for an extended period during which the bank unfairly benefits from the time value of their withdrawing customers ' money. 

This is inequitable, unfair and deceptive and the practice should be stopped. 

Thank you, in advance, for addressing this matter.
Consumer complaint received 2023-08-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A XXXX XXXX XXXX XXXX is reporting as a charged off account. This account is fraudulent and violates FCRA XXXX XXXX XXXX. It is NOT reporting accurately and is an illegal account. It must be removed.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (FL)

I purchased a dishwasher from XXXX XXXX XXXX on XX/XX/XXXX and never received the correct item that I purchased. A different dishwasher of the same brand name was delivered to me which had a large steel/ silver bar on the bottom that was not on any of the merchant 's website photos when I made the decision to purchase the item. 

The merchant sent me useless replacement parts in an attempt to conceal the silver bar but they did not fix the issue and a contractor I consulted with to modify the machine also told me it could not be done. 

I reached out to the merchant multiple times asking for them to allow me to return the incorrect item and refund the charge. However, they continue to insist that the machine they delivered matched their website photos even though it does not. 

I enclosed a screenshot of a chat conversation with the merchant that took place on XX/XX/XXXX in which the merchant referred me to the manufacturer when I asked them to return the machine. The purchase was not made through the manufacturer and the manufacturer referred me to merchant XXXX XXXX to resolve the issue.
Consumer complaint received 2024-05-25
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. (FL)

I am a victim of identity theft. The following information on my credit report is not associated with any transactions I have made or authorized. This is due to identity theft. Please remove this information from my credit report under section 605B of the Fair Credit Reporting Act and notify all relevant information furnishers. Despite having a credit freeze and a fraud alert in place, I discovered numerous discrepancies and accounts opened without my consent. My personal information was stolen during breaches at both XXXX and XXXX XXXX XXXX. I have filed an official report with identitytheft.gov and a police report with my local authorities.
Consumer complaint received 2024-05-25
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: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ID)

I was informed via email that this entire issue is being rectified by the three credit Bureaus ; XXXX, XXXX and XXXX, and the investigations are almost complete. I was told that my credit rose to XXXX, Exceptional. ( I took a photo of that. ) But now when I view it, I see that it only rose to XXXX, and is still " FAIR ''. 

( This " error '' that was COMENITY BANK 'S FAULT lowered my credit status XXXX points! ) On the morning of XX/XX/2023, I called Comenity Bank and spoke with XXXX and I explained that I didn't owe them {$21.00} since I was credited that amount. 
( Document attached ) That {$21.00} increased in size to {$84.00} due to interest and late fees. I told XXXX that I didn't owe them any money. I ( again ) told him everything. 
XXXX told me that they were sending a check for {$84.00} and I should receive it in 5-7 days. He also said that I owe them nothing, everything has been cleared BUT, on my credit report, I am seeing that I owe {$4.00} to Comenity Bank. (? ) I check my credit status through one of the Bureaus and it shows that I owe {$35.00}. 
( I feel that XXXX lied to me. ) How can I owe any money? This is supposed to be rectified? 
I can not see the results of the investigations with XXXX, XXXX or XXXX because, for some reason, I can not sign in. 
My email is not recognized ( I only have one ) and then when I " create an account '' it is noted that, " This email already exists ''. 

I have dealt with so much stress with this entire issue. It needs to be fixed and stay fixed. NO MORE FALSE PROMISES. 
How can we do this? 
Please help me!
Consumer complaint received 2024-05-25
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX Balance {$5800.00} DPT EDXXXX XXXX Balance {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have learned about these accounts one by one in XXXX of 2022. I have taken steps in removing these fraudulent accounts from my credit profile through the furnisher 's as well as the credit agencies repeatedly from then until date. Although these information has been removed from XXXX and XXXX they still are being verified and and updated with TransUnion. I am declaring once more that these accounts were unauthorized and I am a victim of identity theft by someone privy to my information both private, sensitive and personal. I am a fraud victim and should not be held liable by verifiable information that no doubt belongs to me. Including a phone number that I adopted as mine due to the length of me using, which should be able to be verified as fact of the matter through investigation. These reality does not make me responsible, or guilty for not knowing, nor did I benefit from these accounts.
Consumer complaint received 2023-05-12
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. (OH)

This agency has been reporting an account that has been legally removed from my records. ( Education loan ) has removed all records reporting on my behalf. No agency should be still reporting this information numerous times which is illegal because no loans should be reporting at all under my name
Consumer complaint received 2024-03-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (VT)

On XX/XX/2023 I completed an online registration for a new savings account with Citibank in response to an offer for XXXX points. The following day I mailed a check for {$12000.00} for DEPOSIT ONLY to the new account number ( XXXX ). 
Then I left for XXXX for a XXXX week stay. 
XXXX weeks later I received a voice mail from an investigator for Citibank who directed me to Citibank Fraud, who informed me that Citibank could not do business with me, my account had been closed and they were not allowed to tell me why any remaining funds would be returned within XXXX to XXXX  days. 
On XX/XX/2023 I sent a letter to Citibank Client Services requesting an explanation. I have never received a response.

I have never received correspondence regarding this account other than a welcoming letter confirming receipt of my deposit and an ATM card, which I destroyed as directed by the Fraud Department.

I have spent hours attempting to contact someone from Citi only to be frustrated by their voicemail system that requires either an Account Number or my SSN. I have tried both only to be told that they could not find either and that in order to serve me better, I had to provide XXXX or the other. 
Citi sent me a 1099 INT which I assume is for this savings account as I have no other interest-bearing account with them. There is a number at the bottom of the report for questions '' but that number also requires an Account or SSN to serve me better.

Bottom line : I dont have access to my money, and Citi has made it impossible to contact them.
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: FISERV INC. (MI)

Please be advised that as ofXX/XX/2024as listed on my most recently reviewed XXXX XXXX XXXX, there are several frauds/ or unauthorized information these accounts were sold for less to a third party, please see the below accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX XXXX XXXX permission to furnish this information. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX XXXX XXXX resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) 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.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Home Loan Center, Inc. (MD)

I applied for a loan the number is XXXX I asked for XXXX XXXX dollars they ask me for a date I want to start paying I sent bank account plus drivers license they sent me back a payment option XXXX for XXXX then a guy told me I had a low credit score and he never called me back I want the loan we agreed on
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

this is part of complaint filed same problem as case XXXX I guess I must send this to each company involved its been sent to XXXX XXXX  same for XXXX which is located at XXXX XXXX XXXX XXXX az XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-20
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: Experian Information Solutions 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX has violated my rights 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 reportina agency mav make an consumer report containina an of the followina 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 ( AX1 ) A person shall not furnish anv information relating to a consumer to anv consumer reportina agencv if the person knows or has reasonable cause to belleve that the information is inaccurate.
Consumer complaint received 2023-09-18
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. (AL)

XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXXXXXX is report incorrect information
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: NATIONAL ASSET MORTGAGE, LLC (IN)

We have been many months trying to communicate with National Asset Mortgage. Various phone calls, emails to establish a communication for how interest appears to be over charged on my account each month via statement and via a statement print off sent to me by National Asset Mortgage still with no comminication back. 
On a balance of XXXX at 10 % interest I was charged XXXX when the math works out to XXXX which is also what my XX/XX/2023 statement shows owed. 
My XX/XX/2023 statement shows I owe XXXX in interest on a balance of XXXX and this would be a correct calculation. However ; I was charged XXXX This has continued for many months prior. None of the monthly interest payments are correct for quite some time as far as I can tell. The latest several months I have been charged more than what I was 2 years ago in monthly interest even after having paid off about XXXX of the principal.