davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.
Consumer complaint received 2023-12-26
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an AMEX gift card worth XXXX as a gift. While checking the balance of the card it said it was activated and loaded. Every store I have tried to use it at, in person and online, it gets declined at. I called customer service and they told me to try different merchants which has netted me the same result.
Consumer complaint received 2023-10-26
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFO for XXXX XXXX XXXX XXXX received payment for all the account stated below. 


XXXX XXXX XXXX XXXX  ending in XXXX XXXX XXXX XXXX ending XXXX Consumer loan-ending in XXXX
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: SYNCHRONY FINANCIAL (TX)

Repeaditly calling all throughout the day while I'm at work. Leaving messages on my voicemail saying they are trying to serve me papers, leaving messages on my wife 's phone saying they're trying to serve me papers. They calling from different numbers so, I don't know what is what. I'm struggling right now in this pandemic so I'm in able to make a payment right now and it's really nerve wrecking. The calls come everyday. I check my credit report weekly so I know what I owe and who I owe. 

XXXX XXXX XXXX
Consumer complaint received 2017-04-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

I applied for a review on my mortgage to have the amount due each month reduced with Chase Bank, after a couple of months, Chase came back and offered a " reduction '' which was more than what I had been paying. I declined the " partial payment protection plan '' and continued paying my mortgage without modification. Chase has since reported my account to the credit bureau 's as being under this " payment protection plan '' and now it is having a direct negative impact of more than XXXX points on my credit score. I have filed numerous complaints and made numerous phone calls to Chase to have this issue corrected and reported correctly to the credit bureaus, to no avail. I have not signed any paperwork for a loan modification program and have notified them directly on numerous occasions that they have mis-represented my account status to the bureaus. Chase has flat out refused to make this right and now, as a result, my credit score does n't meet the minimum to apply for a new home mortgage with the VA. Please assist, if you 're able. This is devastating for me, my wife, and XXXX young children. We will be homeless in XX/XX/XXXX and Chase has refused again last week to properly report their errors.
Consumer complaint received 2023-12-27
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. (NY)

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 dispute letters Copies of any supporting documentation I provided to the credit bureaus
Consumer complaint received 2023-09-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (SC)

I am XXXX XXXX XXXX. I have been using care credit/Synchrony bank for the past few years.When I first signed up I requested my bill to be sent through US postal service. Any contacts through text message. Everything was fine with receiving bills by mail.It wasnt until the last few months paper bills stopped and I started getting COURTESY TEXTS to pay my bill. I thought nothing of this since it was a courtesy text. Actually thought it was nice of them. As soon as I got text I called payed bill over phone. I had no problem with paying like this since I requested text notification. It wasnt until I received a text to pay bill. I called care credit it then dawned on my my balances are going up not down. I spoke to a representative XXXX she informed me that these courtesy calls were actually LATE payment reminders not my monthly bill to pay. She said company switched to electronic billing and I should of been notified.I told herI was mot notified. I would never agree to pay XXXX dollars interest on XXXX dollar payments. She checked and said I DID NOT have electronic account set up. She did offerbto help me to set it up.Since they were aware I wanted to be billed by mail I became upset over the the interest I was paying each month and not even being aware till recently. How could I possibly pay a bill electronically not knowing anything about an electronic account? I was told they can only remove 1 late payment. I requested to speak with a supervisor. Supervisor XXXX XXXX spoke with me. She seemed not to want to be bothered and was unprofessional and rude. I explained the above to her. She came to the conclusion I was notified and that I WAS NOT THERE ONLY CUSTOMER. IT WAS NOT THERE RESPONSIBILITY TO NOTIFY ME PERSONALLY. XXXX XXXX refused any additional help. Yes I was upset thats expected. XXXX as supervisor should of behaved in a professional manner for which she did not.She should of gotten another account manager who could react in a professional manner when she no longer could.I am requesting the above complaint to be investigated and all late payments returned to me.

I am thanking you in advance for any help you can give me. 
XXXX XXXX
Consumer complaint received 2023-11-02
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)

I recently reviewed a copy of my credit report in EQUIFAX. It indicated that the credit inquiries were made by the credit companies listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-12-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PLS GROUP, INC (NY)

Please resolve this issue for me i m on a fixed budget these XXXX  dont answer any calls Ive been getting money orders from them since 1996. Their phone number XXXX XXXX XXXX XXXX the corporate phone number is ( XXXX ) XXXX ( XXXX # is XXXX XXXX XXXX all these phone numbers and all of them say that they will return you call and all you get is crickets zero solution.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXXXXXX XXXX  payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
Consumer complaint received 2023-09-02
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (TX)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-12-27
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-31
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 (GA)

Ive been disputing a charge for merchandise that arrived damaged when shipped. The store I ordered from was unable to fix my account, or lied about trying to fix it and didn't bother, and the only other option they gave me was to start a credit card dispute. I submitted chat logs to AMEX proving this when opening the dispute and its clear they aren't looking at them. They messaged me some unrelated documentation that has nothing to do with the refused dispute and refuse to look at the documenation I provided. To make things even more frustrating, they will call at a weird time and than leave in comprehendible message asking for more information despite me providing it and than within XXXX minutes of making the call close the dispute without anytime to call them back. They're clearly make this impossible on purpose.
Consumer complaint received 2023-08-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (CA)

In the letter Citibank sent me on XX/XX/2023, it says " we have made every effort to resolve this dispute with the merchant and/or their bank but have not been successful. Unfortunately, the merchant is not willing to issue credit to your account. we no longer have any additional resource to pursue a credit for you through the dispute process. You will need to seek other means to resolve this matter. Our investigation is now closed. 

The letter mentioned above didnt really provide an explanation why the merchants declination is legit. Ive provided with Citibank all the supporting documents to prove my dispute is reasonable and grounded. If merchant can simply be not willing to issue credit without good cause, how can the consumer interest gets protected in the dispute process?
Consumer complaint received 2023-02-17
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX, il XXXX Please update my name to XXXX XXXX XXXX and remove names listed below XXXX, XXXX XXXX, XXXX XXXX, XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX {$440.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX
Consumer complaint received 2023-11-02
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for the violation of my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). Despite providing TransUnion with all necessary documentation, including the FTC identity theft affidavit, Police report, proof of identification, and proof of residency, TransUnion has failed to comply with the statutory mandate to block fraudulent information from my credit report within the stipulated timeline. 

Once again, I am attaching all of the required documentation to this dispute to show that TransUnion has everything they need, as per the law, to block these fraudulent accounts. 

The specific issues I am facing involve the presence of multiple fraudulent accounts that are causing significant distress and financial disruption. Despite my status as a victim of identity theft and having reported the incident to both the Federal Trade Commission ( FTC ) and the XXXX Police Department, TransUnion has not taken the necessary steps to block these accounts from my credit report. 

Furthermore, I have requested TransUnion to block all addresses not belonging to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from my credit report. I have also requested the removal of all aliases not limited to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and the elimination of employment information not associated with XXXX XXXX. TransUnion 's failure to adhere to these directives exacerbates the inaccuracies and financial impact caused by the identity theft. 

I have previously communicated these concerns directly to TransUnion, as detailed in the attached correspondence. Despite these efforts, the issue remains unresolved. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure that TransUnion complies with the law and takes immediate action to rectify these issues by blocking the fraudulent accounts, removing unauthorized addresses and aliases, and eliminating incorrect employment information from my credit report. 

I appreciate your prompt attention to this matter and request assistance in resolving this issue in accordance with the FCRA and consumer protection laws. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Not only have I tried multiple times to reach out to XXXX XXXX XXXX and XXXX, I Have summited multiple disputes to get the account XXXX XXXX XXXX account number XXXX removed from my credit report due to the fact that it states that its a auto loan with incorrect or not showing information on the balance or the amount but the biggest issues is its not mine! As show with the social security number attached to the account! This has hurt me in so many ways not only has it prevented me from getting a new car it has destroyed my credit score.

This account is one of the multiple accounts that are not mine that are showing on my credit report with incorrect information. Account Number XXXX with XXXX XXXX XXXX and Account number XXXX with XXXX XXXX as well as account number XXXX with XXXX  XXXX XXXX are all prime example of accounts that are not only displaying correct information as show in address id # XXXX, address id # XXXX, and address id # XXXX.
Consumer complaint received 2024-04-02
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. (IL)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IN)

I took a XXXX mortgage 3 years ago with XXXX XXXX XXXX XXXX XXXX for the property at XXXX XXXX XXXX, XXXX IN XXXX. My monthly payment including principle, interest and escrow was {$620.00} per month. I paid via auto payment without delay every month till XX/XX/2023. XXXX XXXX XXXX decided to change service providers as of XX/XX/2023. 

The new servicer - Dovenmuehle Mortgage , Inc. NMLS ID XXXX has doubled the monthly payment to {$1100.00} claiming that I have escrow debt but can not provide any proof to this debt and sending me to the previous servicer. 

I can not afford this payment and tried to clarify with the new servicer, however, if I am forced to pay this amount I will not be able to pay it and will end up losing my house. 

PLEASE HELP. The new servicer phone number is XXXX, XXXX XXXX
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.