davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-21
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. (IL)

I requested my credit report from Transunion on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX in the file that Transunion maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Transunion challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX XXXX  and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to XXXX XXXX XXXX Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (AL)

I received a vanilla gift card from an employer for {$200.00} XXXX gift on XXXX XX/XX/2021. I went to the website to activate the card and it said there was {$200.00} balance! The next day I tried to use the card at XXXX XXXX and it was declined. I went back to the website and the card was invalid! I then called customer service and she said XXXX was charged by an online merchant! Looking at the XXXX  there are hundreds of complaints of fraud from this company. There is no way without insider connection that anyone would know how much money and when the card is activated! I received an email to fill out a form to disagree with purchase but I am hesitant to give any of my personal information to a company without any security!
Consumer complaint received 2022-12-03
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: SLM CORPORATION (CT)

In accordance with the fair credit reporting act, Sallie Mae has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : states a consumer reporting agency can't furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (MD)

On XX/XX/2022, I saw that Barclays decreased my credit limit by half. Initially my credit limit was over {$7500.00} ; then they randomly decreased it to {$4500.00}, now they've decreased it again to under {$2000.00} with no explanation given. 

I believe this was done in retaliation to a complaint I made to Barclays customer service department on XX/XX/2022. 

I made a complaint to Barclays on XX/XX/2022 due to bad customer service in relation to the XXXX XXXX fees added to my account. I expressed to the rep that I unknowingly used the Barclays card for a XXXX XXXX not knowing this was considered a cash advance. I was charged XXXX times for a XXXX XXXX fee on the same XXXX. Had I known about the fees, I wouldn't have used the card XXXX times. It's incomprehensible to knowingly make that type of mistake. The customer complaint case number is XXXX. 

Retaliation because of a complaint is unacceptable. There decisions to continuously decrease my credit limit negatively impacted my XXXX XXXX, which is interfering with my livelihood. 

I've never paid a bill late in the XXXX XXXX I've possessed the Barclays card, and I am greatly dissatisfied with their actions. 

Whenever I ask to speak to a customer rep, the call is outsourced to someone foreign, making the communication extremely difficult.
Consumer complaint received 2021-12-24
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (IL)

Hello, My complaint is for PHH mortgage Florida. 

I have had a reverse mortgage with the company for 10 years. I started a refinance this year with a separate company and needed to obtain a payoff letter. 

On XX/XX/XXXX : my lender submitted a request to obtain a payoff letter. I signed the necessary documents and my lender submitted the payoff request. PHH mortgage was unresponsive. I called in behalf of my lender on XXXX and requested a payoff letter. The customer service representative told me I needed to email the request to a specific payoff email. 

I submitted the request o nXXXX and received a confirmation email stating that my request was received. The email stated 3-5 days was the expected time for a payoff letter. 

In XX/XX/XXXX I asked for the status of the payoff and was told that my mortgage was transferred to PHH Florida. I called the PHH Florida service number and was told that due to the amount loans being transferred there were traffic jams with the payoff requests. I told them I had a closing scheduled on XX/XX/XXXX they said they could not guarantee the payoff by that time. 

On XX/XX/XXXX I called and was told that they had 10 business days according to Illinois law. I had to delay my closing. 

In XX/XX/XXXX I called and asked the status of the payoff request and was told again that PHH had 10 days to give me the payoff according to Illinois law. 

The date is now XX/XX/XXXX and it has been 10 business days. I still have not received my payoff letter and I was forced to relock my loan rate. I am XXXX XXXX XXXX and I feel this company is taking advantage of elderly people by holding payoff letters to not allow refinancing. 

Regards, XXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-20
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 (NV)

My payment is due on the XXXX of each month, I've not missed a payment. Just paid more than what was required and saw that they had added a late fee today {$39.00}. I called and spoke to a customer service rep, XXXX and he stated although it is the XXXX it is late because of the time zone. What nonsense is that, It's not XXXX which would be the next day, but it's XXXX my time XXXX there's. Capital one should NOT be able to get away with charging a late fee ON the due date. If the date states the due date regardless of the time and it's before midnight, they should be accepting payment without a late fee.
Consumer complaint received 2019-09-09
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)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2021-12-24
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-27
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 AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TX)

XXXXXXXX XXXX XXXX Kia XXXX XXXX was repossessed and sold at an auction XXXX XXXX. I called Kia finance America today XX/XX/2022 for the details related to the sale because on my credit report its reporting as a XXXX balance due. I called XXXX XX/XX/202XXXX XXXX XXXX XXXX to request the bill of sales for the car sale transaction I was told by an employee that they dont have it. Employee stated that the auction doesnt provide a bill of sale to them. I said okay and hanged up, I called back again at XXXX XXXX to inquire how much the car was sold for the I spoke to the same person and this time around she was extremely rude and snappy at me. I asked her well how much was the car sold for? I was told {$22000.00}. I hang up and I called again for the XXXX XXXX to request in writing that my debt was essentially paid off in full. I got transferred to their lawyer department was on hold for XXXX XXXX and when someone picked up the phone they just abruptly hanged up. I just want the documentation that I was supposed to get in the XXXX  place stating if I owe any money or not. Which I know I dont owe anything because If I did XXXX XXXX XXXX sure they will be breathing down my neck for their money.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I called XXXX to cancel my XXXX XXXX rewards credit card before the first anniversary, to avoid an annual fee and was told that they would not cancel the card and worse that they would still be charging me an annual fee ( even if they let me cancel ). I politely asked if the {$59.00} fee would be refunded as I was not using the card past the first year and I was told they would not do so.
Consumer complaint received 2019-11-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My car was damaged in a car accident with XXXX XXXX XXXX where I purchased the car XXXX XXXX for {$21000.00} cash. I financed the car on my own with Bank of America. They gave me the money. On XXXX XXXX my car had a warranty issue and while in for service at XXXX XXXX XXXX they had an accident with my car and it cost {$12000.00} to repair. The dealership sent my car out to their repair shop for 51 days and promised to give me another vehicle. My car should have been declared a total loss. Instead it was given back to me after my signature was forged on the paperwork from the dealership. I now owe {$4000.00} on the vehicle and I want the debt to be forgiven because there was fraud and I should not have to pay for a car that was damaged by the people I bought the vehicle from and fraud was committed to obtain a kickback for referring my vehicle for repair at a body shop of their choosing for repair of my vehicle. This is fraud and I have serious concerns about my continued payments on a fraudulent transaction by XXXX XXXX XXXX and XXXX XXXX. I'm asking for help as a one time courtesy..
Consumer complaint received 2021-12-24
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: EQUIFAX, INC. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is
substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2021-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a Direct Dispute for the Data furnisher of the information on my consumer report. On XX/XX/2021 I audited my XXXX XXXX report and found numerous discrepancies on it. Based on the information on my credit report I was never sent any fascimile advising of any of bills due or of the negative reporting. I challenge the ACCURACY and INTEGRITY of the information furnished on my credit report by the data furnisher XXXX Bank. They have not provided proof of receipt of all bills and notifications sent. 
Pursuant to 12 CFR 1022.41 Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account. 

Because of the carelessness of XXXX Bank I have been denied credit based on their furnished information which is materially misleading in evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. All of which have been defamed because of the corporations lack of attention to this matter. 
This company has not contacted me nor provided any information through any mediums. They have not provided Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
Consumer complaint received 2023-02-23
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. (DE)

In accordance with the Fair Credit Reporting act has : - XXXX XXXX XXXX - Account # XXXX - XXXX - Account # XXXX - XXXX XXXX XXXX XXXX Account # XXXX - XXXX XXXX  - Account # XXXX - XXXXXXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  - Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX 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