davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I will cancel this card after it is finally paid off which is what I was doing and never open it again. I will also advise others to be very wary when thinking about opening an account. We had an account once before and didnt have one problem, even paid the balance off every month with no problem so we didnt give opening an account again a second thought. I was never told or sent emails to pay off part of it by a certain date to avoid an extremely large amount of money. My balance was going down and now it just went back up. Had I known, I would have paid it. 

When I tried to chat about it, I kept getting we apologize for the delay, the form must be filled out again, with no response. Finally got someone on the phone who basically told me oh well, our hands are tied and nothing can be done. Then tried to tell me I was receiving emails about promotions ending when they ARE NOT in my inbox. Its sad because they know there is no way to prove it and are preying off thousands of people in the same way. I was actually told if I contacted them sooner something could have been done. That was must definitely a lie as I tried to contact them several times through their text messages and got no where. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so this is just an amazing add on to our medical payments. 

This company is nothing but crooks and liars. Your customer service representatives are just as horrible and inconsiderate apparently told to lie to the customers and make us feel stupid and ashamed.
Consumer complaint received 2024-06-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Payfare International Inc. (OH)

I requested a refund/dispute on a transaction made today XX/XX/year> at XXXX XXXX  for {$15.00} I did not receive the goods/services and was denied a refund by XXXX. I then went to pay fare for a dispute. They also denied it. I asked if it was because it was pending they say no its because I did authorize the transaction. I dont understand because I did not receive the goods/services promised from XXXX. I need help getting a refund
Consumer complaint received 2022-10-13
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. (NY)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please reference complaint XXXX. In short, XXXX will not correctly report information on this student loan account. The loan was XXXX in XXXX after my Mother XXXX in XXXX. I was the co-signor on the loan. XXXX confirmed in writing in response to the XXXX complaint that the loan was discharged and that they would report the balance is {$0.00} to the CRA 's. They did not furnish this information to the CRA 's in a timely manner. After XXXX information was reported, I initiated disputes with the CRA 's to correct this information. TransUnion seems to be reporting correctly. 
However, XXXX and XXXX are reporting that I am deceased. XXXX indicated to me today that they had corrected this information internally on XX/XX/year>, but that XXXX furnished information indicating that I am deceased on XX/XX/year>. Disputes with XXXX and XXXX are currently in process to correct this, but XXXX is indicating that XXXX is to blame here. Unfortunately, XXXX is not able to respond to e-mail or phone calls in a timely manner. Hence, seeking the CFPB 's assistance with this.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Scammer stole identity from a friend who he hacked his account and pretended to be scaling a car and asked for the money we did a XXXX transfer but it was not our friend it was a scam the bank will not refund the money since the scammer does not agree to return it.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (OH)

XXXX XXXX, Please carefully review I, XXXX XXXX XXXX and complaint encompassing therein substantiated claims of Equifax and the XXXX XXXX XXXX XXXXXXXX and Family Services ongoing deceptive prohibited debt collection activity and illegal business conduct that has resulted in I, XXXX experiencing unwanted emotional distress and inconvenient financial disruption.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear XXXX & Transunion ; THIS PUBLIC RECORD IS INCOMPLETE AND UNVERIFIABLE! 

Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but XXXX and Transunion are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My Mortgage is not listed on my TransUnion Credit Report. I've tried unsuccessfully for the past two years to get this corrected. CFPB advised me to work with the FDIC so i contacted them for help. The FDIC investigated and confirmed teh issue was with Trans Union and advised me to contact CFPB for help with Trans Union who has refused to correct my report.
Consumer complaint received 2023-02-16
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: Experian Information Solutions 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. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account XXXXXXXX Account name : XXXX Account numberXXXX 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 2023-02-26
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, I XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I didn't get my ebill from Bank Of America for my XXXX XXXX credit card ending in XXXX in XXXX. I received a late payment notice along with late fee and interest fee. I called to get this fixed and have spent the last 3 weeks with phone calls and a visit to a local branch trying to pay off my balance. They showed a payment going to an acct. ( XXXX ) which had been closed XXXX XXXX They are now processing dual payments one for {$3500.00} ( incorrectly ) and one for {$4800.00} ( correct ). I was told each time that I called that the problem would be fixed or that a supervisor would call me to fix it. This has not happened and now ( XXXX ) Bank Of America says that the information they gave me on XXXX was incorrect and that they can't stop the the incorrect payment. They can only issue a refund after being processed.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (VA)

Pursuant to the Fair Credit Reporting Act, the listed accounts below have violated my federal protected consumer rights to privacy and confidentiality as enshrined under 15 U.S.C Section 1681. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX XXXX : Account Number XXXX XXXX XXXX XXXX. 
XXXX : Account Number XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 Section 602 ( a ) ( 4 ) states ... the need to insure that consumer reporting agencies to exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

15 U.S.C 1681 Section 604 ( c ) ( 3 ) states on information regarding inquiries that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with credit transaction that is not initiated by the consumer.

15 U.S.C 1681 Section 623 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a customer to any consumer reporting agency if if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: First Data Corporation (FL)

I own a business and have been writing checks to XXXX XXXX for years. I have NEVER bounced a check with them or any business. Two weeks ago we switched banks and now TeleCheck denies each check I try to write. This is hurting my business as we are not able to get needed material. I have spent numerous calls and hours trying to get a straight answer, can not get someone to give me a straight answer. Was told that I have to wait and try to write check after a week but still denied and the last customer service rep stated that I have had to many checks declined. This is not true, I have never bounced a check and this company is causing me to loose business, and a reputation. They can not give me a straight answer as to why I am being declined and what steps to take to rectify the situation.
Consumer complaint received 2023-02-08
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. (NJ)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/22 XXXX reported that my vehicle was repossessed. I never missed a payment on the account, and it remained in good standing. However, XXXX will not remove the repossession from my credit report. 

I have reached out to XXXX, XXXX, and Experian on dates XX/XX/22, XX/XX/22, XX/XX/22 and neither company have been able to adjust my report appropriately. Since that time, i've been unable to be approved for funding due to the incorrect nature of this situation. I have reached out to XXXX 3 times in regards to the incident on XX/XX/22, XX/XX/22 and XX/XX/22 and the associates I've spoken with have denied to remove the falsely reported items on my report.
Consumer complaint received 2023-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (MA)

I have three 0 % promotional balance, with one that ends in a couple of weeks where interest will start accruing. I wanted to pay off the balance whose promotional period is about to end, however Wells Fargo said they would apply the payment evenly to all three balances. This would cause me to accrue interest.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-01
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-25
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. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  XXXX reference # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (TX)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (CT)

In accordance with Fair Credit Reporting act XXXX Account # 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 Dept Of ED , 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 an account without my written instructions.
Consumer complaint received 2019-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NM)

I am reaching out in hopes that someone who is reading this can try and help me in my unique situation. I am stuck in a hard spot where my ex-husband is required to sign a paper that the lender is requesting but I cant provide it because of the toxic relationship between my ex-husband and I. 

My lender is requesting a quitclaim document after they previously approved me for a modification and trial payments using only the income information I provided on my behalf. I am officially divorced from my ex-husband and have an official decree, but they are still demanding the document. My ex-husband and I have a non-existent relationship ; I am the sole provider and have been paying for the home since our divorce without any help from him. He hates me and has previously tried to cancel my plans for a loan modification. Again, I was previously approved for trial payments and a modification with just my information, but now they are still demanding the documents even though I have explained the situation. For example, I spoke with XXXX XXXX of Wells Fargo home loan department on XX/XX/2019 and he informed me that I could accept the trial modification, which I did, and that I did not need to do anything else at that time except formally accept the trial modification. Then on XX/XX/2019 I received a request for a quit claim document and divorce decree signed by my ex-husband, who has not been involved with this process at all.
Consumer complaint received 2023-02-08
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)

In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.