davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC (WA)

On XX/XX/XXXX, I disputed this credit card issued by Genesis FS Card Services. It was opened fraudulently in my maiden name, which has not been my name since XXXX. According to the company, the card was issued around XXXX of XXXX and the charges all take place at XXXX XXXX  and XXXX in Michigan. I live and have always lived in Washington State. I have never been to Michigan. I have spent over 8 hours in total on the phone with this company. My first phone call to the company placed on XX/XX/XXXX resulted in the agent refusing to transfer me to their fraud department and instead advising me to file a dispute through XXXX, which I immediately did. Approximately one week later, I received an email stating that the dispute investigation had concluded and the information was found to be accurate. I filed a second dispute with XXXX, filed a report with the FTC, filed a report with the Attorney General of Washington, a police report with XXXX Police Department and again called the company only to spend hours on the phone. On XX/XX/XXXX, I received a letter requesting a copy of the report I filed with the FTC within XXXX calendar days. I immediately faxed a copy of the report, as the credit card company states that is the only way to submit such documents. I called the company shortly after to ensure the fax had been received only to be told they will take 5-7 business days to process the document that I sent. Trouble is, this would put me past their 20 day deadline. XXXX stated on XXXX that my dispute had been closed by the credit issuer, which doesnt make any sense at all. I have been hung up on twice today alone. This company and its agents are criminal. I encourage everyone to record their conversations and take excellent notes whilst communicating with this criminal company.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (DC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXXXXXX 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 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-23
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I signed up for Capital One shopping about a month ago. Since the XXXX of XXXX I have supposedly earned over {$800.00} in gift cards. I received an email from Capital One shopping ( attached ) confirming the amount and a link to activate my gift card. I did click the link and activate my gift card and got a pop-up saying that I would have it within XXXX days. The next day I believe it was the XXXX of this month, I tried to log into my account and it was inactivated. The only response I can get from customer service is telling me they've terminated my account which they can do whenever they want per their terms and conditions. I've been looking at reviews online and they're doing this over and over to people. They are leaning on their terms and conditions which basically say that they don't have to give you any service if they don't want to and can terminate your account at anytime for any reason. But I find it hard to believe that they're not held up to any kind of standard, especially since we are allowing them to put an extension on our browser and view our browsing history. Aren't they obligated to actually give us the gift cards that you've earned or at least a reason why they cancelled your account prior to redemption?
Consumer complaint received 2018-12-05
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

I have been a customer of ONE MAIN FINANCIAL for almost 10 years. I have never missed a payment. I missed one payment on XX/XX/2018 due to a medical emergency. I spoke with the company twice to let them know I could not make the payment until the following week. Since that time, this local branch in XXXX, florida has called my phone 15 times a day harassing me. I called them again to tell them to stop calling and informed them I would make the payment this week. Today I received notification from my mother that they called her 2,000 miles away! They divulged private, protected information about my loan to her and asked her for payment!! When I called the companies local branch to complain, XXXX XXXX was extremely disrespectful. He proceeded to yell at me and made me feel as if I were a criminal. When I spoke to his manger XXXX XXXX, she proceeded to speak to me a " disgusted '' tone while taking my payment. When I complained that her staff violated the law she was unapologetic and told me to call the district manger. When I called the district manager his response was, " I am very busy but I will look into it next week when I pass by that branch. '' Completely unacceptable.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DE)

Specialized Loan Servicing LLC ( SLS ) took control of our loan from XXXX Mortgage. During the transition SLS raised our outstanding principal without explanation. I have made numerous calls, spent hours on the phone with them and provided documents yet they provide no help in rectifying the issue. Their customer service representatives refuse to escalate calls to management. After weeks of calling and being told the issue would be solved to no avail, I pressed them further and insisted I would contact the governing body if I continued getting the run around. They responded by removing my name from the account and from successor in interest, refusing to speak with me although they had made no prior mention of any issues and acknowledge having received the information from my previous lender stating that I am. After researching SLS and reading other complaints about their predatory practices, as well as CFPBs prior settlements with SLS and parent companies, it has reaffirmed my own belief that SLSs goal is not to service loans but to specifically foreclose on peoples homes.
Consumer complaint received 2023-06-08
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: CREDIT ACCEPTANCE CORPORATION (MS)

Vehicle loan company, credit acceptance, shows a foreclosure ( voluntary repossession ) every month for roughly two years on my XXXX report ( as current as XX/XX/XXXX. ) The vehicle was supposedly sold at auction in XXXX. I paid the debt in full XX/XX/XXXX. 

Their reporting is inaccurate as the vehicle could not have been repossessed or re-attained by me as it was sold at auction in XXXX by credit acceptance. 

I have tried several times to dispute this with both the creditor and credit reporting agency.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (OH)

My Card Was Used Without My Consent in XXXX of 2019 Now This information Shows up on my Credit report as negative And its hurting my credit score the amount charged Was For {$260.00} i Paid of the amount owed but the information still shows up on my credit report and its hurting my credit score i want it gone because i did not make the purchase in the first place
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello i reached out to Transunion & XXXX on 3 occasions via letter correspondence to correct or delete the below account due to " Account Status '' Reporting inaccurate. on the following 2 accounts. 

XXXX XXXX XXXX XXXX Account Status reporting wrong and inaccurate. these 2 accounts where paid in full back in XXXX  if you look at the attached current credit reports of mine you will see there many errors that are effecting my life. you can always fix your eyes on the comments that the actual XXXX and Transunion noted that the accounts WHERE PAID IN FULL. i just want the statuses updated to Paid and not Derogatory. as you can also see XXXX reported the account correct. on the XXXX XXXX  account. i have wrote to both companies on 3 occasions and never got a response back. i had no choice but to submit a full complaint here with proof. i also want to point out on the XXXX XXXX account the payment history has been reporting inaccurat as well since XXXX of XXXX  you can see on the report XXXX  reported me ( CO ) but XXXX reported that i paid ( OK ) meaning on time. how is that so? how can i be late CO and OK at the same time. these inaccurate reporting 's are in violation and need to be removed from my credit reports. thank you in advance for your help.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with Equifaxs handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with Equifax have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as Equifax, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite raising concerns about inaccuracies on my credit report, Equifax consistently fails to verify the information in a timely manner. This failure has resulted in continued damage to my credit score and financial standing. 
2. Extended Response Times : Equifaxs investigations frequently exceed the stipulated 30-day timeframe as mandated by the FCRA. This delay has impacted my ability to secure credit, obtain loans, or make important financial decisions. 
3. Inadequate Communication : Equifaxs communication during the dispute process has been insufficient, leaving me in the dark about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process. 
4. Repeated Neglect : My attempts to rectify these issues with Equifax have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that Equifaxs gross negligence in investigating credit disputes directly contravenes the FCRA and undermines the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against Equifax and takes appropriate action to ensure they adhere to federal laws and regulations. Moreover, I urge the CFPB to hold Equifax accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information. 

The impact of Equifaxs negligence on my financial well-being is substantial, and I trust that the CFPB will take these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.
Consumer complaint received 2024-05-13
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

Good Afternoon During the Covid Pandemic in XXXX of 2020 5/3 bank reported a late payment on my credit card. It was a single late payment and the account was then paid in full and closed. 
We live in XXXX XXXX Michigan which was under shelter in place directives. I did not have the means to make the payment on line as my remote access was at my office and we were considered a non-essential business. My wife and daughter both have autoimmune disorders and I was under strick guidelines not to potentially come in contact with persons as I could bring the virus home.

I attempted to log in and make the payment from an alternate mobile device but was unable to authenticate payment as I also couldn't access my personal bank site.

I communicated this to 5/3. They even responded that they could see my navigation on their site but that a payment was not received - ( due to my inability to access my XXXX for my ba

nk ) I wrote and called the bank explaining this but they still have never corrected the score. It has increased my cost of borrowing and has limited my ability to refiance. Thank you for your time.
Consumer complaint received 2022-12-11
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. (TN)

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

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 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, states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ), 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 ), states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXXXX/XX/XXXX# XXXX the dates were XXXX. MyXX/XX/XXXX # XXXX the dates were XXXX, XXXX - XX/XX/XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Consumer complaint received 2024-03-26
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. (IL)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-12-11
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. (DC)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  # XXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (PA)

I was charged interest on my Citibank account for the month of XXXX, even though the full balance for the previous month had been paid in full. I was told that this was a computer mistake and that the interest charge would be reversed. I called back twice to have this done and so far it has not been done.
Consumer complaint received 2022-12-11
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. (DC)

On XX/XX/2022, I submitted a dispute letter to Transunion via USPS mail. 
On XX/XX/2022 I submitted a complaint about Transunion via CFPB. 
This will be the 3rd time that I am reporting this violation of the law.

Transunions negligence is causing me harm, since it has affected my ability to get approved for a home and a car. Transunion must respond to prevent my pursuing my legal rights under 15 USC 1681N or 1781X which requires Transunions compliance to the law. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has VIOLATED my federally protected consumer rights to privacy and confidentially 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 XXXXXXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Incomm Holdings Inc. (OH)

On XX/XX/year>, at XXXX, I purchased a vanilla visa gift card from XXXX with the amount of XXXX XXXX using cash. After following the instructions listed on the package I attempted to use my new XXXX XXXX card to pay my auto insurance. It declined. I called the number on the card and it confirmed my balance but it told me no information. I then returned to XXXX and spoke to the manager, which resulted in me getting the phone number for XXXX ' gift card center, who then transferred me to an actual representative of Vanilla Visa. They told me my card was somehow compromised. They told me I would receive a replacement card, after they took my name, email, and address. I called again today on the XXXX XXXX XXXXXXXX and they told me that I had a replacement coming, but gave no info about tracking and said they will not send me a receipt. I have read similar cases and most people seem to lose their money.
Consumer complaint received 2024-11-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PR)

I am contacting you because the Synchrony Bank PayPal MasterCard has cancelled and closed my Walgreens credit card and PayPal MasterCard accounts, leaving the balance exposed. XXXX and XXXX XXXX believe this is an error, since it is not normal for accounts cancelled and closed by the bank to have an exposed balance, since they were written off as losses. In good faith, I have tried to resolve this matter with both the credit bureau and the bank, but no one has helped me resolve this error. Today, XXXX itself provided me with this means to file a complaint, since I have made many disputes regarding this particular matter and this is affecting my credit score, which is dropping points every day. I hope that, in some way, you will take my side and help me resolve this matter, which is not allowing me to live in peace and tranquility.