davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
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. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-03-09
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. (VA)

Within several reports over the last couple of years which have been detrimental to my XXXX XXXX causing XXXX  and XXXX due to no fault of my own other than suffering from metal conditions that make life difficult for me to understand.This complaint has one pdf. with the two largest problems combined together should make my entire complaint understandable.
Consumer complaint received 2017-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

I have been issued Credit card as well I have check in and savings accounts in Chase Bank. On  XXXX   XXXX   2017 , I used my credit card instead of debit card by mistake to withdraw {$1000.00}. I realized my mistake immediately after I checked my bank account online within an hour and I deposited {$1000.00} back to the credit card. I never intended to take  a cash advance and having a good balance in savings and check-in accounts, I did not needed the cash advance and i t was a mistake. The Bank posted the withdrawal transaction on  XXXX   XXXX   2017  and they have charged a transaction fee of {$50.00}. When I called the credit card customer care, they declined to revert the fee, in spite of agreeing that the intention was never to take the cash advance.Also, The customer c are executive sai  d that they will charge interest with APR 25 % + on the {$1000.00} for two da ys till the transaction was posted i.e. from  XXXX   XXXX   2017  to  XXXX   XXXX   2017 . They will charge in spite of my {$1000.00} advance payment posted on  XXXX  itself. I was unable to understand why should I pay for delay in bank 's posting. Also, I had a negative balance to cover the  cash advance f rom  XXXX  itself, then why should I pay interest.The bank should not have charged the transaction fee and interest charge. Its unfortunate that I am being penalized for a small mistake which was corrected immediately.
Consumer complaint received 2023-05-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (GA)

I signed up for a XXXX through the bank. They were pulling money from the account from another institution. They said it could take up to 30 days, and didn't give me a timeline. By what they stated was the law, I had 7 days to close it after funding. Rates drastically changed as I was waiting some time for it to fund, and I received a letter in the mail dated the XXXX saying it was finally funded. The post office didn't deliver the letter ( as I would think they would know ) until after the window. I called to close to reopen another account with the current rate, and they said I was " one day too late ''. I asked to speak to management, and " there was no manager available ''. I asked for a follow up call- no one ever called me. This was after the time before I sat on hold for multiple hours. I filed a XXXX complaint- never heard back after that. Now, I am concerned about my money even being at this bank considering the difficulty with communication.
Consumer complaint received 2017-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Thomas Agency, Inc. (ME)

The Thomas Agency has continued to report to the credit bureaus that I owe money on an account that is unknown to me. I have disputed this entry several times and they continue to report the the credit bureaus and its causing damage and costing me money and hardship.
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & out # XXXX, 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 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 XXXX 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 a reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

accounts : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, violated my rights. 


15 U.S.C 1681 Section 602 AXXXX 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I closed on my loan in XXXX. XXXX Mr. Cooper stated the title company shorted them on the payoff. They said for this reason they returned the wire funds back to the title company. I had a call with the title company and Mr Cooper on XX/XX/XXXX and we stated we could send them the difference for the shortage. They said no and that they had already returned the wire. To date the title company has not received the wire back. Every day they receive a call and say the same they will have to escalate and that there is a XXXXXXXX XXXX turn around. This have been going on for XXXX XXXX They continue to draw interest on the funds and this is also impacting my XXXX XXXX, even though I have the proof of closing on my loan. They have not even provided the ID number for the wire so it can be traced. I am tired of their excuses. Additional call log from XXXX XXXX XXXX wire was sent on XX/XX/XXXX to pay off loan. Taxes and XXXX  were disbursed, leaving the payoff short {$10000.00}. XXXX has funds since XXXX to send to Mr. Cooper but they advised wire was sent back already so shortage could not be sent in. Mr. Cooper states wire was returned on XX/XX/XXXX but no record in our bank shows this wire coming back. 
XXXX to XXXX to look into issue-was advised no info could be provided an ETA of XXXX XXXX to look XXXX where the initial wire of {$290000.00} was as we have not received back yet. 
XXXX back and was advise answer could not be given-no XXXX provided- another client escalation put XXXX for XXXX of XXXX XXXX to provide XXXX XXXXXXXX number to locate wire XXXX called back, spoke to XXXX, could not provide another as it XXXX take XXXX XXXX XXXX they advised. 
XXXX to XXXX at Mr. Cooper XXXX what the XXXX is. No update, they escalated to XXXX who was supposed to call us back, no call back. 
XXXX another client escalation would need to be put in to locate federal reference number from bank to locate wire.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I applied for a XXXX XXXX XXXX  to be serviced by XXXX  XXXX XXXX and had no problems. XXXX XXXX switched their provider to Comenity Bank and from there I had several problems. First I was not notified of the change. I had an electronic documents agreement with XXXX  XXXX XXXX and was used to receiving my documents online. I always had elected to utilize auto pay. The first I became aware of the change of servicer was with a a past due payment and a phone call. I never received a credit card from Comenity and a card was required to sign up for online banking. I never received notices from Comenity in spite of repeatedly updating my address. The mental burden of needing to remember without notice when my payments were due without notices was undue. A phone call was the only way provided to make a payment since I do not have checks. The wait times to call in were prohibitive and speaking with a person at all was at times a challenge. Due to this unreasonable burden I missed several payments. These missed payments are now on my credit report. I tried to file a credit dispute with the company and followed the instructions they gave me over the phone, but the company never replied. I don't know of anything else I can do than to file a complaint.
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc. (FL)

I received a communication that around XX/XX/XXXX from Client Services Inc that they were trying to collect a debt that the principal owes. I responded on XX/XX/XXXX via mail certified mail # XXXX. They responded with no purchase agreement and chain of assignments etc. They sent statements from " original creditor ''. I need them to stop these tactics. This appears to be willful non-compliance. I will upload my letter
Consumer complaint received 2022-12-12
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: EQUIFAX, INC. (AZ)

I started a complaint with the CFPB already about XXXX. The reference number for the original complaint is : XXXX I received another stall letter from XXXX today in the mail and it is attached to this message. XXXX is stalling and not investigating my complaints.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANCORP (AZ)

XXXX XXXX listed US Visa Platinum Credit Card as Very Good/Good approval rating for my application. Based on this information, I applied on the XXXX XXXX  site and was encouraged because it stated 60 seconds approval time. 
No sooner had I applied, I received notification from XXXX and other credit reporting agencies, that there was hard inquiry on my credit, which was US Bank. 
I did not receive any further notification from US Bank or follow up from the bank. I contacted XXXX XXXX to inquire why they allow advertising for this card and bank when there is no follow up response. XXXX XXXX stated that the hard inquiry would fall off after several years. That is not the point. 
I ask that the hard inquiry be removed by US Bank as they did not process or advance my application, and I no longer want the card regardless as this bank has very problematic contact history where one is shuffled from one office to another.
Consumer complaint received 2023-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upgrade, Inc. (AL)

Spoke with upgrade on XX/XX/XXXX in regards to payment assistance. Discussed options decided to continue making regular payments but did request removal of account auto draft and was informed upgrade is ok if not paid on day of as long as paid in 30 days. Opened app saw 65 days past due on XX/XX/XXXX never notified on previous call nor in writing or by phone. I have made all payments at min that have cleared my personal account on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. Was informed by rep today that it was a pay now error on their end and never drafted from my account when previously it did and was never notified that there was an issue. This impacted my credit and receiving calls on a timely made debt payment per my contract and due dates and payments shown on the account
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (GA)

XXXX XXXX Innovis are reporting incorrect information on my consumer report. They have several name variations and address that do not belong to me. I did not receive any solicitation from XXXX to dispute this information before they released it and caused me to be denied credit that is my right. Under whose authority is XXXX working because federal law states they are required to report accurate information. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX, GA XXXX any other address is incorrect. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-02-27
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. (MI)

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, XXXX, and Transunion regarding the reporting of late payments. 

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 consumercredit 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. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXX - XXXX Account XXXX XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account XXXX XXXX  ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Self Financial Inc. (FL)

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my reports that are not only inaccurate, but they are different reports on all three reports some stating 30 days late and 60 days late on my credit reports : paid account number : XXXX XXXX from XXXX shows 30 days late on XX/XX/2022 with the previous month showing paid on time and the following month after paid on time as well and XXXX XXXX XXXX which shows on their file that its 60 days late but the previous month and after month paid on time unsure how a payment can be 60 days late if months before and after are paid on time ( Self Financial/Lead bank ) shows XXXX late with the same paid on time months as listed above for other accounts. No payments were made late these consumers reports are all reporting false and inaccurate information without any reporting agency reports being the same. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Also please update my balance on my credit report it is not what is being listed currently on my credit reports some of the balances are different from what is shown on all three reports
Consumer complaint received 2022-12-27
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. (IL)

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. 

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 XXXXXXXX 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 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 2023-02-22
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: EQUIFAX, INC. (IL)

I sent original cfpb complaints # 's : XXXX XXXX XXXX concerning inaccurate and incomplete items on my credit report. That was XX/XX/XXXX, I also sent a follow up letter XX/XX/XXXX asking for physical verification of the following accounts. 
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
XXXX XXXX XXXX {$840.00} XXXX XXXXXXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX Bank XXXX {$1500.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX Bank XXXX Inaccurate Late Payments It's been more than 30 days, attached is the original letter sent to the bureas.
Consumer complaint received 2022-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

In 2021 I received a notice that an account in my name was in collections, however, there was never an account opened by me during that time. I have searched back through 10 years of records and they are stating it's a 9 year old account that they purchased from Synchrony, however, we have no record of opening that account. I have never opened any accounts in JUST my name as I haven't worked for almost 20 years. My husband has never opened an account for me alone and we do not own credit cards. 

We tried to file a dispute last year with a demand letter and they have yet to provide information showing this was our account.