davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
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: SYNCHRONY FINANCIAL (MS)

Since XXXX of this year, I have been looking to buy a home for myself and my sick uncle. When I reviewed my credit report, I realized that I have several damages on it. I have no knowledge of a few of these accounts, so on XX/XX/XXXX, I sent dispute letters to the credit bureaus, in an attempt to remove the fraudulent items from my report, with no success. When XX/XX/XXXX arrived, once again I sent dispute letters to the credit bureaus. This time, one account was deleted, but it was one that had been closed for over 10 years. Ive been doing a little research, and according to the 15 U.S.C 1681 Law, there should be no damages on my report, because its a defamation of my character. Im just trying to obtain a better living space for my uncle and me, and I cant do that because of these negative items.
Consumer complaint received 2023-11-10
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MidAmerica Mortgage Inc (CA)

Hello, In XXXX I was laid off due to COVID-19 pandemic. I reached out to my mortgage company, Mid America Mortgage Inc. Dba . XXXX XXXX XXXX, and they advised they could place me on a forbearance. They advised it will not affect my credit and will be in affect until XXXX. When it got close to XXXX they reached out to me to see if I was working. I advised I wasn't so, they extended my forbearance. In XXXX, I finally was able to start working again. Mid America Mortgage Inc. reached out to me again to see if I was working yet, I advised I was. They offered to do a deferment for the time I was on forbearance, so I would not have to stress about paying the large sum back. I signed the paperwork for the deferment and thought everything was going to be ok going forward. On XX/XX/XXXX ( Saturday ) I received an alert from XXXX stating my credit score dropped by 28 points because Mid Mortgage Inc. reported me 180 days past due ( Attached is screenshots ). I contacted Mid America Mortgage Inc. by phone on XX/XX/XXXX ( Monday ) and was advised to send an email which I did ( Attached is our email communication ). I finally received a final response XX/XX/XXXX stating they reported correctly to the credit bureaus. Per our phone conversation with Mid America Mortgage Inc. back in XXXX and per HUD, being impacted by COVID-19 should not affect my credit report. Well, it did affect my credit report negatively. I've attached copies of my credit report for XXXX and XXXX. Please help resolve this.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (HI)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CO)

Every time I try to make a large payment on my card ( {$1000.00} ) The payment never goes through. It takes about a week for me to get an email stating the payment was declined. On XX/XX/XXXX I made a payment and on XX/XX/XXXX received an email from US Bank stating that the payment was posted and then a week later received an email stating it didn't go through. Same exact situation on XX/XX/XXXX, made payment and XX/XX/XXXX was sent email stating it was posted and a payment reversal was done on XX/XX/XXXX with no notification ( this doesn't seem to be an option ) and I received an email that my payment is past due on XX/XX/XXXX. Again, happened on XXXX, posted XXXX payment was reversed on XXXX and I was notified on XXXX that my payment was past due. Happened in XXXX & XXXX after I realized I was not getting notified my payment was even due. They charge absurd amounts of money for all of these issues and this is 0 % interest until XXXX Well, so they say.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Imperial Recovery Consultants, LLC (ID)

They have reapeatedly call my numbers AFter I explain that the yare calling the wrong number and that I am not the one that they are looking for. So I told them to please take my number off their calling list. But htey have not. They already call me and hang up 3 times @ XXXX this morning. I return the call just to confirm and the office respond by looking up my phone number and she told me thier was not any number on their list. 
Company name is IRC services. Phone number is showing up is XXXX
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Sir or Madam : I am writing to dispute the following information in my file. The item in dispute also are highlighted on the attached copy of the report I received. 
XXXX XXXX # XXXX is inaccurate because 3 bureaus are reporting 3 different high balances and also on the date of my last activity 3 bureaus are reporting 3 different dates as well ..... I am requesting that the item be deleted off my credit report due to Inaccurate reporting .... 
Enclosed are copies of my credit report supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2023-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (PA)

Care Credit has reduced my credit limit twice without mailing written notification. The second instance occurred in XX/XX/2023. I faithfully log into my account each month and set up my payments weeks before the due date. Around XX/XX/XXXX, I noticed my payment had not been posted to my bank account so I logged into Care Credit and identified my payment was never submitted. Instead, late fees were applied to my account. I called and Care Credit reversed the late charges. I requested a login history for my account and was told that one could not be provided. Knowing my statement date, I logged in to my account to set up my payment for XXXX and CC had lowered my credit limit. When I called in I was prompted for my salary history ( I refused ). Care Credit uses this tactic to reduce your credit limit so they can charge a higher interest rate and try to force you to apply for a credit limit increase. This is also damaging to your credit.
Consumer complaint received 2024-03-09
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)

I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.
Consumer complaint received 2023-12-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I recieved an AMEX prepaid Gift card last year in the XXXX of XXXX as a gift These cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC (TN)

Early Warning Services LLC is operating outside of the scope of Regulation P - Privacy of Consumer Financial Information and are acting in willful noncompliance with 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods. I have given notice of my intent to Opt-Out but Early Warnings is stating that they do not have to compile with the Federal Law or the Grimm-Bailey-Lynn Act. The Constitution does not allow for a public company to profit off my private information without providing just compensation. That just compensation is a usage fee of {>= $1,000,000} per month that Early Warnings will be indebted to my Estate for the use of my private financial information in commerce to make a profit of which I see no benefit from. 

Notice liability is also being sent via Certified Mail to the main corporate address. Early Warning Services LLC doe not have my authorization or consent to sale, report, trade, profit in any way off my private financial information. Continuing to do so is unauthorized use and identity theft.
Consumer complaint received 2022-11-20
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I canceled my American Express card in XX/XX/2020 with a {$0.00} balance. However due to covid a previous flight that I purchased on my card was canceled and refunded to my AMEX account. 

AMEX attempted to transfer these funds ( {$2100.00} XXXX back to my external linked bank account but I had actually closed this joint XXXX XXXX account previously so the transfer did not go through. I then called and they transferred the {$2100.00} to another external account. 

But for some reason they are saying I owe them for the first {$2100.00} transfer that I did not receive. I have tried calling 4 times and they keep saying it will be resolved but then subsequently keep contacting me and tell me I have a big outstanding balance ( including late fees ).
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XXXX I wrote and mailed a Chase check # XXXX payable to my XXXX in the amount of {$3000.00} for my monthly maintenance. It was mailed to my building management company " XXXX XXXX ''. I was contacted by XXXX XXXX on XXXX saying they never received my payment. I sent them copies of my cancelled check from Chase Bank and after a period of time they claim that they never received it and started to charge me late fees. 
At that point I went to Chase and filled out a " Declaration of Unauthorized Endorsement or Altered Item '' My claim number is " XXXX '' I mailed the clam to JP Morgan Chase Bank NA. Customer Claims Department, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX have contacted Chase customer claims 4-5 times now and they claim my check was cashed at XXXX XXXX  XXXX and they are XXXXuppose to respond to Chase and reimburse my funds. XXXX XXXX XXXXXXXX never contacted Chase regarding my claim and the people at Chase tell me there is nothing to be done. I'm extremely frustrated with Chase for not reimbursing my funds especially since I have a business account with them as well.
Consumer complaint received 2022-10-18
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. (CA)

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 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 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 in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
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. (NV)

I had sent a letter to remove personal information that I do not want on my credit report, as per the Fair Credit Reporting Act, 15 USC 1681. I have the right to privacy. Further, according to 15 USC 6802, no financial institution is supposed to share my information to any third party. These are clear violations of my federally protected consumer rights. 

Experian had responded with information not specific. I will include the specific information that I had provided on the Experian website. 

Wrong names : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-16
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)

i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX  in XXXX PA and the bank is XXXX XXXX XXXX  this account affected my wife credit too
Consumer complaint received 2023-07-26
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. (MD)

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2022 XXXX XXXX XXXX XXXX account with a past due balance of {$1400.00} was removed from my credit report as I requested pursuant to the FCRA requirements. XX/XX/XXXX, the collection account was reinserted on my consumer report. It's now XXXX and I was not notified in writing within 5 business days, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also I never gave this agency written consent to add this collection to my consumer report.
Consumer complaint received 2022-10-18
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. (CA)

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 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 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 in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (NJ)

i have challenged this account with all 3 credit bureaus and each time they say its reporting accurately and it is not... it is clearly reporting in the comments that this is sent to collection by XXXX who is the creditor but yet still reporting a balance... .this is a violation
Consumer complaint received 2022-10-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions