davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (UT)

I own a duplex property with a mortgage on it from US Bank. There was a fire there in XXXX. XXXX XXXX paid out $ XXXX total to pay for the renovations from the fire. They paid out $ XXXX to start, which I had to take to US Bank for them to endorse the check and I was able to deposit it with no issues. Then when the work was completed, I received a final check from XXXX of $ XXXX. I took that check into a US Bank branch on XX/XX/XXXX, and the branch manager called into the US Bank insurance claims process and she had them on speaker and because the total is now over $ XXXX, it had to go though a special process where we send in paperwork. The person on the phone listed what we had to do/send. We gave that info to the branch manager and she mailed it in. I heard nothing for a week or two and then I got a call from US Bank saying there was information missing. They said we didn't sign the back of the check ( no one told us this check would be cashed by US Bank, we assumed they would endorse the back of it like last time and mail it back ), so they had to mail the check back to us, and then I paid {$28.00} to overnight it back to them because at this point, I had already paid out that money myself to the construction company, so I'd been floating $ XXXX ( and I still am to this day on XXXX XXXX ). I also asked them at that point to overnight the check back to me when the process was done, they said they'd put in a request to do that. On that same call, they told me the work on the house needs to be inspected, and that they'd have an inspector reach out to me ( not sure why they didn't do that initially, but they waited until my call with them to trigger that process ). The inspector reached out and scheduled to come, but then canceled day of. And then we heard nothing back after that from them, so I called again. This time they told me the inspection was done, everything was done, and they would trigger the new check to be cut and sent to me. Again, i waited, and nothing happened. So I called back and the person told me the inspection still needed to be done, so they triggered a new inspection that at this point happened almost XXXX weeks ago, and I still have not received my check in the mail. I am going to call back today, but this is completely ridiculous. What would I have done if I didn't have the money to float this? My credit would be impacted. I have called I think 5 times at this point and every single time I've called I've been given incorrect info and told to do something else. The last time I even demanded a supervisor and she told me that after the inspection it would take them XXXX business days to release the check, which she would put in the request to overnight. That was XXXX weeks ago. Their process has to change. They have literally been holding my $ XXXX for XXXX weeks at this point. Is that even legal?
Consumer complaint received 2023-10-05
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. (TN)

I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

XXXX XXXX account number XXXX XXXX  account number XXXX Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

When reviewing my credit report I noticed several periods reporting as 30 days delinquent by XXXX XXXX. These were not delinquent per my records and I disputed with Experian. Results came back as verified. I followed up and had no success in verifying the method of verification as correct. I want the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which currently show as 30 days late to be deleted from my report.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please 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 2023-10-05
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. (FL)

I, XXXX XXXX, of XXXX XXXX, IN Florida, City of XXXX, MAKE OATH AND SAY THAT : 1. I have never had an account with these companies XXXX Account number # XXXX, XXXXXXXX XXXX XXXXXXXX account number # XXXX REMOVE from all credit agencies from reporting. 
2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX the debt collector 15 U.S.

Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d 6. According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. As mentioned in the 15 U.S. Code 692f Unfair practices 8. 15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. Moving forward I would like you to stop reporting to all credit companies that I owe any amount to your company. Remove all false debts from my reports ASAP. I will also like your company to mail me via postal mail that all the changes have been made or attempted to be made within 10 days
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OR)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a 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.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-04-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 




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 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 2023-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX a charity company with the IRS, so I thought told me to invest in money and theyll pay me back a certain amount back.They said that if I didnt pay them back that I would got to jail and their company would be sued if I didnt pay them, this went on for 2 days.All the money was sent through XXXX and XXXX XXXX  to different numbers they claim they were banking managers reviewing the transactions.I started to get scared and stopped sending money all the money I had for XXXX XXXX  ( {$6000.00} ) .So on XXXX XXXX  I went to my back to report the fraud and that I had been scammed they still have my account on locked but when I was talking to their office manager he said that it was my fault and that my money wasnt going to be refunded back.I told them why and they just proceeded to say that it was my fault for believing them, I continued to tell them that they claimed that they were a charity organization working for the IRS.They made a claim just in case and I have a claim number they told me theyll do the claim but my money isnt going to be refunded to me.I still have my account is locked since they have the 10 business day investigation in my transactions but Im just scared that if I wait till they are done with that that my money wont be refunded back to me.Can you please help me get my money back I have all the scammers phone numbers used and email.I start school on XXXX XXXX  and that was the money I was going to use. I have made a report to the federal trade commission as well. 
Thank you
Consumer complaint received 2023-05-29
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: EQUIFAX, INC. (SC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have attached XXXX accounts that are reporting errors and inaccuracies on my credit report and need to be fixed they are violating the FCRA and they are damaging my life please delete and also update my personal info
Consumer complaint received 2023-10-05
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. (NY)

As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXX XXXX  Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information? 

I clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. 

It has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. 

Furthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. 

In light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Consumer complaint received 2023-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2023 I am a XXXX student and I was looking for a car on XXXX market and I found this one car from this one guy name, XXXX, XXXX XXXX and he told me that I could have this car if I put it down payment on so I put the down payment for XXXX. He told me I had to pay for a tow so I had to pay XXXX for that. He kept saying that he was almost there when he was not and I kept asking for his location he kept on asking for more money he said that I had to pay him {$100.00} if I want my money back so I did because I needed my money because I am a XXXX student and I dont have that much for myself I think I paid over $ {$1000.00} and I have all the screenshots and his ID and everything I have his phone number also
Consumer complaint received 2023-10-05
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. (NY)

As of XX/XX/XXXX, I requested the following information from XXXX XXXX : 1. A True Bill for the alleged debt associated with XXXXXXXX XXXX  Account Number XXXX. 
2. Any necessary account level documentation that substantiates the validity of the charges and transactions on my account. 
3. What was the the reinvestigation process and who furnished this information? 

I clearly stated that, in the event XXXX XXXX failed to provide the requested information, I demanded that they take appropriate action to address my concerns and provide clarity regarding the charges on my account. 

It has come to my attention that XXXX XXXX has not provided any of the requested information or taken the appropriate actions as demanded in my previous communication. This lack of response and cooperation is not only a violation of my rights as a consumer but also raises serious concerns about their compliance with applicable laws and regulations. 

Furthermore, I would like to emphasize the importance of XXXX XXXX adhering to federal laws and regulations governing credit card practices. Any claims or assertions made by the company regarding my account should be substantiated through proper legal channels and should not be used as a basis for non-compliance with federal laws. 

In light of the above, I believe that XXXX XXXX  may be in violation of federal laws and regulations related to credit card practices, specifically in regard to XXXX XXXX  Account Number XXXX with account balance of {$1100.00} I kindly request that the CFPB investigate these matters thoroughly and take appropriate action to ensure compliance with consumer protection laws.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

I have a Sony rewards Comenity Visa card, that usually awards points for every purchase. over the last three months instead of awarding points, my balance shows in the negative even though I've made our plenty of purchases. I have reached out to the company mlvia email at least three times and all they say is that they are working on it but no resolution over the last three months.
Consumer complaint received 2018-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (PA)

my name is XXXX XXXX on XX/XX/2017 I went to XXXX XXXX to purchase appliances and was told that If I applied for a XXXX credit I can get 3.99 % for 36 months on my {$10000.00} purchase of which {$8000.00} was charged on the store card. I made the purchase and when I received my bill I noticed that I was being billed 21.99 %. I went back to the store and advised of the error and the store Manager XXXX called the credit department and advised me the the issue was fixed. After a few More months and countless phone calls and visit to the store the issue is still not resolved. I called the credit department and Spoke to XXXX @ ext XXXX who advised me that she can see the account is noted and she can see that I was wronged but there is nothing she can do for me and asked me to hold. She put me on hold for an excess of 30 mins and never came back on the line.. 

This was unfair and deceptive practices bait and should be an illegal practice. XXXX XXXX is benefiting off the misleading information they gave me as a consumer. 

I can be reached at XXXX or XXXX XXXX XXXX CC act # XXXX XXXX XXXX XXXX issued by Synchrony Bank
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I called in to Capital One on XX/XX/XXXX in the morning because I was having issues with getting a rental car. The first rep I spoke with was very nice and she did her best to help. Unfortunately, I got transferred to another woman who was rude, disrespectful, unprofessional, and hateful. I asked to be transferred to someone else SEVERAL TIMES and she repeatedly refused to help me with the issue at the rental car desk. I had to cancel the reservation because this woman was so awful. She should not be employed by Capital One. Shes an embarrassment to Capital One
Consumer complaint received 2024-04-06
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. (MI)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number XXXX