davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- IDENTITY THEFT 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 2018-04-28
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. (FL)

There is an inquiry from comenity capital/dent on XX/XX/2018 showing up on my Equifax report that is not mine..I wrote Equifax a letter and never received a response in regards to the inquiry in question.
Consumer complaint received 2024-03-11
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. (CA)

i reached out to Experian via regular mail on XXXX XXXX XXXX about fraudulent accounts reporting on my consumer report. i have demanded that the account be deleted as Please remove these accounts from my report they are harming my life and hurting my ability to obtain credit.
Consumer complaint received 2022-12-08
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

Due to XXXX, we were unable to make our payment. We called our Mortgage Company, Fifth Third Bank, and they notified us that we could utilize Federal Covid Hardship Assistance where the payments would simply be but on the rear-end of the loan at the end of the Hardship Assistance Program . I was relieved, however, we did extend the program as my Husband still wasn't employed. When we were ready to start making payments again, Fifth Third Bank had made it impossible for us to get off this program and had told us multiple reasons ... -we had to re-qualify for the loan -we had to submit an application and Bank Statements along with numerous other documents I submitted Everything they asked for, and Every time I called, I got a different answer from someone. After months of back and forth, they said they hadn't received anything through their XXXX XXXX XXXX? I finally contacted an Attorney through Colorado XXXX XXXX who informed me he couldn't help me until the loan actually went into Foreclosure? I have been terrified of loosing my home! 
I could not get Fifth Third Bank to call me back or help me *until the Emergency Hardship Assistance Ended! 
Now they call me daily? 
All the information I have seen about this Program said that NO FURTHER INFORMATION WAS NEEDED TO END IT! 
It says : " There will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a Pandemic-related financial hardship. '' YET, NOW, THERE IS NO WAY I WILL FINANCIALLY QUALIFY FOR MY LOAN! I have been very ill for the last 3 years, yet they do not want medical information? They have also racked up late fees, etc. My loan originated at {$200000.00}. It is now OVER {$250000.00} because of this program that was supposed to help me. They said my home is now in foreclosure. Something is just NOT RIGHT!!! I realize this hardship assistance program has ended, however, I have been trying to get off it since XX/XX/2021! Please help!!! 
I am XXXX and also need help doing what they are asking. I have been having a very difficult time with understanding, compression, using my cell phone, with memory. This is all documented in my medical records. 
My Attorney was XXXX with Colorado Legal Services, who was no help at all!
Consumer complaint received 2022-12-07
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. (NJ)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1682 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Experian is a consumer reporting agency as defined in the Fair Credit Reporting Act 15 U.S.Code 1681a ( f ). Ive tried disputing this inaccurate info before and to no avail. My consumer rights have been respected, as a Consumer Reporting Agency you have a vital ( life or death ) role in assembling consumer credit, with a need to ensure its furnished with fairness and respect to me. 15 U.S.Code 1681b ( 2 ) says you need permissible purpose and I never gave written consent for it to be there. My privacy under the GLBA 15 U.S.Code 6802 ( b ) ( 2 ) I was never provided an opt out option from you or any other financial institutions. BLOCK/REMOVE this information in accordance with 15 U.S.Code 1681c-2 ( a ) it doesnt relate to me XXXX XXXX, as I am a Consumer/Natural Person. ACCOUNTS XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( # XXXX )
Consumer complaint received 2022-11-26
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/202XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX OF XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2022 XXXX ( XXXX ) - ( XXXX ) XX/XX/2022
Consumer complaint received 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

While in the process of preparing my deceased parent 's home ; hurricane Ian struck. 
A claim was filed and money to repair home received by Fifth Third Bank on XX/XX/2022. 
The family has not received any of this money for the repairs. 
While waiting for the repair money more damage was done to the home. 
The home and the deed are in the family trust. 
The bank has sent a check to an entity that does not exist instead of to the trust. 
The trust account is held at XXXX XXXX XXXX and they have asked for the check to be made out to the name on the trust. 
Fifth Third bank refuses to do this. 
They also will not cash the check at their own bank. 
They have had the insurance money since XXXX. 
This seems to fraudulent to hold insurance money that is not their money.
Consumer complaint received 2022-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one credit card charges the customer a {$40.00} late fee if the payment isn't made by a specific time on your bill due date. When I call them their customer service agents are very rude and unprofessional ignorant individuals who claim there is nothing they can do. Who is this company to tell a customer what time of day to pay their bil?? I believe these charges are not legal and hope a resolution can occur.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the Department XXXX XXXX XXXX I believe that the Department XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. The details of my complaint are as follows : XXXX. Creditor 's Name : Department XXXX XXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the Department XXXX XXXX XXXX XXXX specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., Equifax, XXXX, XXXX ]. Furthermore, I have noticed that the XXXX XXXX XXXXXXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the Department XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. I believe that the Department XXXX XXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the Department XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX XXXX XXXXXXXX XXXX XXXX support my complaint. I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint. You can contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any additional information. Thank you for your assistance in addressing these issues.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

Yesterday my credit score was XXXX. Today its XXXX. My score dropped XXXX points FOR NO REASON!!! How is that even possible? All of my accounts have lower balance than last month. I dont understand how my credit score takes a XXXX point hit for no reason and I need an explanation. I check my score DAILY and when anything is reported incorrectly Im notifying you ( and the FTC ) so that these issues are documented and no one is surprised when they end up being sued in court.
Consumer complaint received 2023-12-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (PA)

I called 3 times to get an invoice from my bill for my credit card. And they never sent any invoice. I was told it was in the mail.Then the day of when the payment was due. they sent me my statement. No time to mail in the money. So i sent up an online payment. To take money out of my account. Got a conformation email my payment was sent. Today XXXX XXXX XXXXXXXX i get email saying my payment was never cashed. I called an they said they received my payment. Then i explain the email. An the women said it was never received because they declined payment feom my bank. I had one credit card since XXXX no issues ever. This discover card i made XXXX payment everything was fine. Now the second payment i try to make an all these issues.
Consumer complaint received 2023-09-07
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. (GA)

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.

has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (NJ)

Harley Davidson continues to call 4-5 times a day daily even though they are aware of the medical situation I am in I have attempted to make payments but because I can not pay the full amount they claim they will still repossess the bike and they will still call every day 4-5x a day
Consumer complaint received 2023-04-19
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-07
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. (FL)

To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix this matter.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I received an offer from American Express that promised XXXX bonus rewards points if I spent {$1000.00} in the first three months. I spent {$1000.00} and was never awarded the XXXX bonus points. When I called American Express customer support, they informed me that it was n't the offer I signed up for -- which is completely inaccurate, as I specified this promotion when I signed up. This is no less than fraud in deceiving me to sign up for a line of credit with them under false advertising.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

i have already disputed these items with the bureaus but they did not remove them nor prove validation. 

under sec. 602 i have a right to privacy XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXXXXXX account # XXXX,
Consumer complaint received 2023-09-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2023, I attempted to access my Venmo account. When logging in, I received an error message : " oauth2 exception : unauthorized action.. ''. I attempted to change my password to resolve the issue, but still received the same error message. I contacted customer service through Venmo 's Contact Us page : XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a response informing me that my login attempt was declined for " security reasons '', and that if I waited XXXX hours, I would be able to log in without issue. I waited XXXX hours, and attempted to log in again, and received the same error message. I contacted customer service again to see why I was still not able to log in. I have over > {$1000.00} in my Venmo account ( I can not confirm the exact amount because I am currently unable to access my account ), and don't have access to those funds while I am locked out of my account.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

**my email to CapitalOne subpoena department ( theres no claims department ) Capital One Customer Support, I am writing to express my deep dissatisfaction and frustration with the recent closure of my three credit card accounts due to erroneous returns from XXXX XXXX This situation has been exacerbated by the fact that your representative had previously assured me that my automatic payments would be scheduled for the 30th of each month, coinciding with my direct deposit dates. This arrangement was supposed to ensure timely payments, yet it was not honored, leading to this unjust action. 

Furthermore, on XX/XX/XXXX at XXXX XXXX XXXXXXXX, I was specifically denied any communication with a supervisor. As a credit consumer, I have the right to fair and transparent communication regarding my accounts. This refusal to engage with me is not only disrespectful but also potentially in violation of several consumer protection laws and principles, including the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) provisions. 

By refusing to communicate with me, Capital One is in direct violation of CFPB regulations, which mandate that financial institutions handle consumer complaints and inquiries in a fair and timely manner. Additionally, this refusal constitutes an unfair practice under the XXXX provisions of the XXXX XXXX, as it places undue financial strain on me and obstructs my right to address and resolve issues with my account. 

Now, I am expected to pay interest and finance charges on top of my existing balance without access to my accounts. This is an outrageous demand under the circumstances, and it places undue financial strain on me. 

To resolve this issue fairly, I am demanding one of the following two options : 1. Reinstate my accounts after three months of large sum payments made on all cards.

2. Agree to a settlement of 30 % -50 % of the total balance due. 

Failure to address this issue promptly and fairly within 24-48 hours will leave me no choice but to escalate this matter further. These discriminatory acts will result in legal action, which I am already preparing to undertake. I have no hesitation to utilize my professional resources, including filing complaints with the Consumer Financial Protection Bureau and seeking legal counsel. 

I expect a prompt and fair resolution to this matter and look forward to your immediate response. 

Sincerely, XXXX XXXX XXXX XXXX