davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (IL)

Early XX/XX/XXXX - XX/XX/XXXX I had purchased hardware through a company overseas. During this time everything was going well but it turned out to be a fraudulent company and that company did not obey by their terms and conditions. I filed a complain I believe on XX/XX/XXXX. During this time XXXX XXXX they said it would take maximum 60 days or two billing cycles to complete the investigation. This is some of their terms on their website. https : //paypal.syf.com/XXXX  " Once we receive the completed form we will conduct the investigation and will provide you with a response as soon as possible, but no later than two full billing cycles from the date of your inquiry. '' " Upon completion of our investigation, if we find a billing error ( s ) has been made, we will make all required adjustments to your account and the adjustments will be shown on your statement. If we find that the charge you are disputing was valid, we will notify you in writing explaining the reason ( s ) why and the disputed amount will be placed back on your account. '' On XX/XX/XXXX, they reversed my charges but did not send me anything in writing to explaining the reasons and why the disputed amount would be placed back in my account. 

On XX/XX/XXXX i was talking with a representative on the chat online by the name of XXXX who said the dispute was not fully completed and there was a mistake by that team by closing the dispute. I questioned that as I abide by their two full billing cycle window to have everything completed. I wanted to talk with a manager and she transferred me to XXXX the manager. She also said the same thing and said she needed time to investigate this issue further. She assured me she would call me back on XXXX or XXXX. She did not. 

I went to live chat again on XXXX and talked with XXXX XXXX who summarized that there was supposed to be a call back today by the concern team but they failed to do so. He once again said he would escalate this to a manager to fix this issue but didn't say anything about when. 

With this back and forth it had dropped my credit score 41 points on XXXX XXXX and -32 on XXXX due to raising the credit utilization. I am trying to buy something personal for my family but this spike has caused unnecessary frustration especially after I waited over now 70 days and I provided all necessary information to the company only to see how unprofessional they take care of their clients. Please help!
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX to share my information with a non affiliate third party. The Gramm Leach Bliley Act 15 USC 6801 Says that a financial institution is not suppose to share nonpublic personal information to a third party. XXXX XXXX XXXX is furnishing " Charge Off '' accounts onto my consumer report. The IRS definition of charge off is income. Income is not supposed to be furnished onto a Credit report. XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking XXXX XXXX XXXX to Cease and Desist all communication through any and all mediums unless it is for a specific remedy that i am invoking. The telecommunication through any and all mediums would be telephone, email, social media and any consumer report. This Notice is pursuant to 15 USC 1692c. The Term communication pursuant 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt directly onto my consumer report which is a form of communication and i need this charge off account removed. This is als a direct violation of 15 USC 1992d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation i am entitled to compensation as per USC 1692 ( k ) of monetary relief of ( {$1000.00} ).
Consumer complaint received 2023-01-15
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. ()

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681, Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code {$1600.00} ( p ). Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. $ XXXX Names Reported, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( credit furnishers ) have violated my rights, and restraint of trade in violating of 15 USC 1, and 15 USC 2 Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent 15 U.S. Code $ 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.

All negative items to be removed, To be compensated for all payments sent.
Consumer complaint received 2024-03-27
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-22
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: Experian Information Solutions Inc. (FL)

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXX.
Consumer complaint received 2023-06-01
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: Experian Information Solutions Inc. (IL)

I SUBMITTED SEVERAL DISPUTES WITH ALL THREE CREDIT REPORTING AGENCIES AND I NEVER RECEIVED A RESPONSE, I SENT ALL DISPUTES IN XX/XX/2023 AND XX/XX/2023, THE INVESTIGATION IS TAKING LONGER THAN 30 DAYS.
Consumer complaint received 2017-11-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

For two months ( starting XX/XX/XXXX ) I have had a company titled XXXX XXXX XXXX call 2 to 5 times a day. Once I finally spoke with a representative, he informed me that I would be sued for a Citibank credit card collection from 7+ years ago. He would not provide me with any account information, aggressively claimed I was rude for asking about account details, and would not provide the lawyer 's name. The phone number for this company is ( XXXX ) XXXX, but I can not find any business information on them. 

Now today ( XXXX XXXX, XXXX ), I was contacted by XXXX XXXX, XXXX XXXX identified it as a mediation to determine my address for service of court documents. When I inquired on the account information, he provided that I owed {$660.00} to XXXX XXXX, but XXXX XXXX is suing for {$3800.00}. He also claimed that this was 378 % of the amount owed ; which the math does n't work out {$660.00} x XXXX = {$2500.00} ... so legal fees are {$1300.00}? He was willing to provide a mailing address : XXXX XXXX XXXX, XXXX, NJ XXXX and the phone is ( XXXX ) XXXX. 

This Citibank account has been off my credit for years, but I am concerned that this is a scam. I have not received any written communication regarding this Citibank account. While both phone numbers are in California, I can not locate any business information on either. Nor can I locate XXXX XXXX. When I inquired about that company, I was told by XXXX XXXX that I had to do the foot work on it.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Subject : Formal Complaint Regarding Inaccurate Reporting of Bankruptcy by Major Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding the inaccurate reporting of a bankruptcy on my credit report by the major credit bureaus. Both the credit bureaus and the courts have provided conflicting information regarding the status of this bankruptcy, leading to unnecessary confusion and damage to my credit profile.

The credit bureaus have stated that the court confirmed the bankruptcy, but upon further investigation and correspondence with the courts, I have found that this information is incorrect. The courts have denied any confirmation of the bankruptcy in question.

Furthermore, despite my requests, the major credit bureaus have failed to provide adequate proof or documentation to substantiate their claim of the confirmed bankruptcy. As a result, this misinformation is unjustly impacting my credit score and financial standing.

I kindly request that the major credit bureaus promptly remove the inaccurate bankruptcy information from my credit report. This misleading data is causing me undue distress and hindering my ability to access fair and accurate credit opportunities.

I trust that the CFPB will investigate this matter thoroughly and ensure that the major credit bureaus rectify this error in a timely manner. Your assistance in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (CA)

I see items on my report that is not mine. Items are listed below. 

XXXX XXXX  - XXXX collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX - XXXX XXXXXXXX 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 ( Inquiry XXXX XXXX XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX XXXX - XXXX ( XXXX XXXX XXXX XXXX - XXXX ( Inquiry ) XXXX - XXXX ( Inquiry )
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On   XXXX   XXXX   XXXX    , we refinanced a home with  XXXX  ( d.b.a . Military Family Home Loans ). Because we just today sold the home and pulled out some old paperwork, we reali zed we were never contacted by  XXXX  after we complained during the closing that we had never obtained a  Good Faith Estimate. Thus, when the HUD-1  arrived, we were surprised by some of the numbers. When we told the settlement agent, she advised that we write on the closing documents that a GFE had not been received, and that she would speak with the lender about i t. ( The lender als o said we could delay closing but that our rate lock would expire if we did so. ) If there is anything that can be done at the juncture, we would appreciate it.
Consumer complaint received 2017-05-16
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)

The  Bureaus i s reporting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX  County, ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor of his  Estate to the Bureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. The Bureaus failed to follow up on this information and was negligent in trying to collect the money. The refore they should not be allowed to report it as my debt.    Respectfully   XXXX   XXXX   XXXX
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Retail Merchants Associates (LA)

I am writing to file a complaint regarding a medical collection for {$350.00} from a collection agency called RETAIL MERCHANT ASSOCIATES, with account number XXXX. I believe this collection agency has violated the HIPAA law, and I am also aware that a new law has passed in 2023 stating that medical collections under {$500.00} can not be reported to credit reports anymore. 

Despite the fact that my medical debt was under {$500.00}, I have been receiving harassing phone calls and letters from RETAIL MERCHANT ASSOCIATES, demanding payment for the outstanding balance. Additionally, I have noticed that this collection agency has reported this debt to my credit report, which has negatively impacted my credit score. 

As per the HIPAA law, medical information is considered private and confidential. However, RETAIL MERCHANT ASSOCIATES has disclosed my medical debt to third parties without my consent. This is a clear violation of the HIPAA law and has caused me significant distress and inconvenience. 

Furthermore, the new law that has passed in 2023 clearly states that medical collections under {$500.00} can not be reported to credit reports anymore. Despite this, RETAIL MERCHANT ASSOCIATES has reported my debt, which is unfair and unjustified. 

I kindly request that you investigate this matter and take appropriate action against RETAIL MERCHANT ASSOCIATES. I also request that my credit report be updated accordingly to reflect the new law that prohibits the reporting of medical collections under {$500.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Freedom Mortgage Company (GA)

I recently received a copy of my ( XXXX, XXXX, and XXXX ) credit report, and I noticed some late payments posted on my credit report : Freedom Mortgage Corp XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2017-05-16
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. (CA)

TransUnion Credit Bureau illegally gave my credit report and  credit score to a   company I had no credit with, while I had the credit freeze in place. On   XXXX   XXXX   XXXX    , I pulled my credit report as part of annual review. I noticed  XXXX   XXXX  had pulled my credit report with Permissible Purpose stated as : COLLECTIONS. I never had any credit with  XXXX   XXXX , so I called TransUnion on   XXXX   XXXX   XXXX   XXXX   to fix the issue. They kept transferring me to different person and a few times they hung up on me. I finally requested a  manager an d she indicated, " do n't worry, it will go away  in two years a nd no one can see it ''. I told her do you want a copy of the report so you can see the word collection on it. I told her it will interfere with my employment check and she indicated, since this is a soft pulled we ca n't help you. She indicated I should file a stolen credit report with local police and they indicated the report was n't stolen since I had gotten dental work with them. They stated I need to go to court and then take that information to the credit bureau. Transunion can remove the word collection, if I get the police report, while at the same time they told  me it ca n't be removed, well which it. What good is the money I paid Transunion for credit freeze, i f they do n't enforce it and even worse they lied to me and I thought I was protected.
Consumer complaint received 2023-03-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (FL)

back in XXXX I went to default my 2 loans, XXXX I did loan modification on my first loan. the loan officer of XXXX XXXX XXXXXXXX told me that second loan was forgiven, closet, cancel., now after 12 years in XX/XX/XXXX i got serve a complaint that owe. {$100000.00} I have never in 12 years received nothing from banks or real time resolutions inc. that I had a loan to pay! 

they have violated the law ( fair debt collect practices act. ) I need help!
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (IL)

I received word that my mortgage would be transferred to SN Servicing Corp at then end of XXXX. Transfer date XX/XX/XXXX. Tried to call company repeatedly, and after going through phone tree, it says " party unavailable '' and " no messages. '' Emailed XX/XX/XXXX wanting some information on the mortgage. Finally I got an email XX/XX/XXXX saying " here is some info to get you started '' which was bizzarre. 

I was able to register on their website, but there are no any billing statements and no way to check when the due date is or that they have the amounts correct. When I try to input a payment, it's a blank screen and scarily, no payment amount. 

I've requested a billing statement in writing, but given they don't respond rapidly at all, I have no hope. I feel like they are waiting to screw something up and ding me.
Consumer complaint received 2022-12-12
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. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2017-05-16
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: The Bureaus, Inc. (CA)

The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX
Consumer complaint received 2020-01-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC. (TX)

Exeter will not allow me to make payments on my loan. They want to repossess it and continue to charge fees in extreme access. 
They refuse payments and want the balance in full after paying over {$12000.00} over 4 years. This is unfair.
Consumer complaint received 2017-05-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: U.S. BANCORP (WA)

On  XXXX   XXXX  I received a SIF offer letter where at the bottom it said I could dispute debt. I disputed the debt and the very next day I received a threatening call.  XXXX   XXXX  just called me at  XXXX  on  XXXX  the  XXXX . The day after I disputed to debt. He threatened to add this collection to my credit report. He told me that I had to prove this debt was n't mine and proceeded to tell me that he had been in the collection business for 7 years and 100 % of the time the person says they do n't recognize the debt. I told him because you are the collection agency you need to provide proof that this debt is mine. I went  to US ban k and they said there was no debt. As the creditor it is your responsibility to send verification of debt when I ask for it.