davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted the creditor and all three reporting agencies on XX/XX/2023, XX/XX/2023, and XX/XX/2023 times this year. They never provide any documentation substantiating with evidence or information to report the late payment on the XXXX XXXX account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6.2, which states I have the right to privacy ( 15 USC 1681 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b. Also creditor may not treat a payment on 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.

Statements are not delivered to me no later than 21 days before the payment due date. The statements are created on the XXXX of the month prior and mailed to me, thus not delivered until at most 3 days prior to the payment due date, and often, they are delivered after the due date.
Consumer complaint received 2023-11-26
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 (NY)

I received an American Express gift card on XX/XX/. I have tried to use the card to make purchase online and was declined everywhere. The call to the company was not helpful because it was hard to find a real person to talk. I want to find a way to use the gift card. It is certainly not as easy as what they describe on their website. Very disappointed with AMEX.
Consumer complaint received 2023-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

Dear Madam/Sir, Back in the Fall of XXXX  my mortgage company, Freedom Mortgage, suddenly increased the amount of money to be paid in monthly installments. Ever since I many times tried to get an explanation as to what exactly caused this raise in my payments. 

This company apparently does not have customer service to speak of, since I never received a satisfactory explanation. Worse, the personnel that is charge of handling issues of this sort - like what they call " escalation team '' are in the habit of simply stopping responding to you when they find your issue is too pesky to address. 

Attached are documents that very clearly outline the problem. 

Thank you! 
XXXX XXXX
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It's my understanding that FCRA 605B compels us to eradicate any erroneous accounts from my credit report. Could you please double-check the paperwork? A few of the enumerated accounts show inaccuracies in reporting, such as incorrect amounts and dates.
Consumer complaint received 2023-09-13
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (NC)

Regions Bank XXXX {$1300.00} Regions Bank XXXX {$5900.00} These accounts are reporting inaccurate and is a result of identity theft Ive reached out to regions and spoken with XXXX ( XXXX XXXX ( XXXX ) - fraud monitoring department she stated that there was no opened account and will request to have items blocked and removed from all reporting credit agencies Immediately.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (CA)

I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. My lease was for 36 months or for XXXX miles whichever comes first. I paid off the entire lease amount up front when I signed the lease contract. My lease contract shows the details. Because I used the car a lot, I had to return my car early in XXXX because the car gained almost XXXX miles. About 2 to 3 months ago, I received a billing statement from GM Financial. The statement says I owe {$660.00}. I called GM Financial to find out what the amount was for. I was told that {$390.00} was for " disposition '' fee and the rest was for XXXX tax for the disposition fee and some interest which they couldn't even explain to me. I paid the disposition fee of {$390.00} online, however, GM Financial insisted me to pay the state sales tax for the disposition fee. I never heard of imposing state sales tax on the disposition fee. In fact California 's " Regulation 1660 -Leases of Tangible Property - in General '' shows that sales tax should not be imposed on a leased vehicle. I emailed a copy of my lease contract to show I do not owe any money besides the disposition fee. GM Financial told me they will have to review my case. After a day or two later I found out that GM Financial reported to credit bureau that I have a delinquent payment. I've been maintaining excellent credit, however, due to their report to the credit bureau, my credit score plunged. GM Financial didn't even inform me that they were going to report to the credit bureau. I called to complain but they told me pay off the rest of the amount ( XXXX ). Again, I told them to review the documents I sent via email. They told me that they would review and let me know. I received another billing statement about XXXX weeks ago showing that I owe {$260.00}. I called GM Financial again on XX/XX/XXXX and ask them to explain to me what the charge is for. The person who answered my phone informed me that her manager would call me in the week of the XXXX of XXXX. Today, I received an email from my credit card company saying my credit score has gotten worse. My credit score dropped to 600 range. I was keeping at 800 range all the time, but GM Financial, without notifying me or giving me any details for the billing statement, reported me to the credit bureau for delinquent payment. I am really upset and this is totally unfair. How can GM Finance reported me to the credit bureau for delinquent payment while I was disputing the charges ( general excise tax on disposition fee and interest fee they couldn't even explain to me ). 
My lease contract clearly shows that I paid off the entire leasing amount. I don't owe any money to GM Finance. GM Financial should revert the action by recovering my original credit score. 

Thank you.
Consumer complaint received 2023-04-18
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)

To whom it may concern : I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the Metro 2 reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof.You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Experian Information Solutions Inc. (MA)

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ] Account Number : ( XXXX ) [ XX/XX/2024 ] To Whom It May Concern : Experian Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains payments ] reported on [ date/dates ] for my ( XXXX ) account. 

I want you to know that I understand my financial obligations, and if it werent for I had a XXXX XXXX and I has to stop working temporarily, Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on [ XXXX ]. 

Thank you for your consideration, and I hope youll approve my request. 

Best, [ XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

I got paid on that Sunday night that was on the XXXX of XXXX an my check was XXXX an some change an the only thing I did was paid my light bill an it was XXXX an some change an I paid my baby daddy an XXXX for my car insurance an I put XXXX in my gas tank that's all I did cuz I caught XXXX so I had to put gas in my car just because of emergency purposes but that's all I did with my money an now I saw money coming out of my account that I didn't get out an that's not fair for me at all I called chime bank they said they will reimburse me send me a new card but first the charges have too stop pending I called them immediately when I noticed it that evening this is not fair I haven't been too another state since 2021 I asked for supervisor and a appeal no response because the calls are recorded my.whole check was gone from my account less then XXXX hrs and my card had too be replaced please look into this matter
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Fraud was made in my acct. I was not notified that a check was signed and deposited via atm and also a {$1000.00} withdraw was also made from an atm with out my approval. I usually get notifications via fraud text messages for approval. I live 1 hour 30 mins away from area atm was used.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I run free credit reports periodically. Ran reports today for XXXX, XXXX and Experian. 

Report showed XXXX soft inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). 

While I realize that soft inquiries don't impact my credit score, I have never been a customer nor had any interaction with XXXX XXXX. 

I called XXXX and they advised they had no record of my ( by email address ) and couldn't help me. They stated I would have to dispute with Experian. 

Tried to submit a dispute online with Experian but their website doesn't allow disputes of soft inquiries. I did notice that there was a new soft inquiry showing for today ( XX/XX/XXXX ). 

I called Experian where they advised the could put a fraud alert on my record but they couldn't remove the soft inquiry. 

I pointed out that ( possible coincidental ) the XX/XX/XXXX and XX/XX/XXXX also correspond to dates when I ran credit reports and also show soft inquiries by Experian. I CAN'T NECESSARILY PROVE IT, BUT IT WOULD APPEAR THAT RUNNING A FREE CREDIT REPORT WITH EXPERIAN IS RESULTING IN A SOFT INQUIRY AND SHARING OF MY DATA WITH XXXX XXXX. 

The representatives put a fraud alert on my record and reactivated promotional offer opt-out, but stated that Experian has no relationship with XXXX and the free credit reports are not causing the soft inquiries. A simple web search reveals that there is a relationship https : //fintechmagazine.com/articles/experian-marketplace-giving-financial-power-to-consumers I have attached credit reports from XX/XX/XXXX and today. Page 12 of the XX/XX/XXXX report shows the XX/XX/XXXX and XX/XX/XXXX soft inquiries to XXXX. Also attached is an online screen shot from the Experian dispute website that shows the new soft inquiry on XX/XX/XXXX.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: State Finance Company (TX)

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 
I have repeatedly asked for evidence to support your reporting of the account BROADWAY FINANCE XXXX, but you have failed to provide me a copy of valid and viable evidence. Furthermore, I have requested your method of verification being that my information was compromised in the XXXX data breach, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. Lastly, the account has been re-aged and should have fallen off of my credit report. Not only are you in violation of re-aging an account, but you are also furnishing inconsistent information because XXXX and XXXX do not report this account. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
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. (IL)

Ensuring that payments on this account are always made on time has been my priority, ensuring they never lapse into overdue status. I'm unclear as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCD Financial, LLC (IN)

The Company NCD Financial LLC is showing as an open account for over 2 years and it should be a closed account. This information is inaccurate! Also it is only showing on XXXX and not the other agencies of XXXX and XXXX. The company is NCD FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: BMO Bank, N.A. (CA)

In XX/XX/XXXX, I received a response from Bank of the West 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), Bank of the West ( BOTW ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to BOTW via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby BOTW would accept payment ONLY by a direct debit ( by BOTW ) from the checking account which was required by BOTW to have in order to have obtained the HELOC.

At issue is that this direct debit from BOTW occurs at midnight on the XXXX of the month and only on XXXX of the month at XXXX It does not appear that BOTW verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the BOTW checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure BOTW pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to BOTW credit dispute department confirmation that the wire was sent and received by BOTW within the first five business days of the due month. 

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. BOTW 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The BOTW actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score.

I am requesting that BOTW correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by BOTW. 

Thank you.
Consumer complaint received 2023-11-26
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 (TN)

On XX/XX/2023 I went to the XXXX XXXX in XXXX TN XXXX XXXX XXXX XXXX XXXX and had a tooth pulled. I signed up for " CARECREDIT '' - and my balance of XXXX was paid by them. After reading the terms that I had 5 days to pay the bill and rescend the offer of credit I did- I went to XXXX XXXX on XX/XX/XXXX and paid the XXXX in full. I can show my bank statement. 

However, XXXX XXXX did not refund CARECREDIT till XX/XX/XXXX which is more then 30 days after my account was opened and closed XX/XX/XXXX - and CARECREDIT charged me a XXXX dollar fee. 

Carecredit refuses to fix this- and XXXX XXXX refuses to fix this. XXXX XXXX was late/slow refunding the money to CARECREDIT so they charged me a fee. My purchase balance with CARECREDIT is now XXXX but because XXXX XXXX was late refunding them I was charged a XXXX dollar fee which is now ballooned to XXXX dollars. 

MY carecredit account is XXXX XXXX XXXX XXXX I want this issue resolved and account closed. It is XXXX and CARE CREDITS fault.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TD BANK US HOLDING COMPANY (FL)

For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (FL)

On XX/XX/2019, Affirm has been reporting I owe {$370.00} for an Item I never received. The last time I filed a complaint I spoke with someone at XXXX who said I sign something. I have requested that they show proof of what I have signed and I have been ignored. Back in 2019, Affirm ignored me, and currently, XXXX is ignoring me. XXXX states they are not required to request a company to show proof of what I signed or say I owe, but they repeatedly display in red all over my credit report that I'm past due. 
I don't know how many times, I have written and spoken to someone at XXXX about this issue and they never put anything in writing confirming the charge is valid. I don't have one document from XXXX confirming I have disputed this issue. I'm requesting they show proof of what I owe or remove this delinquency from the report. XXXX is the only reporting agency arbitrarily carrying this debt. XXXX and XXXX removed it from my credit report immediately.
Consumer complaint received 2022-12-19
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. (CA)

I have a bankruptcy reported on my credit report. I have contacted all 3 bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however XXXX and equifax verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.
Consumer complaint received 2023-11-09
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. (KY)

disputed the accurcy of the information being reported is inaccute and doesnt belong to me accourding to statement the company made no vercation to origal creditor was made and this account is not verifed