davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-23
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. (GA)

TransUnion failed to conduct a reasonable investigation into my account. ( Second Dispute letter mailed on XXXX XXXX XXXX XXXX : XXXX. ) In accordance

with the Fair Credit Report Act everything should be 100 percent accurate on my credit report with all three bureaus. The credit bureaus have responded to my disputes stating that my accounts have been properly investigated and verified when they have not been investigated or verified at all. They could not have been properly verified or investigated due to, incorrect opening dates reported, date last reported inaccuracies, dates last
active inaccuracies, as

well as last payment dates that are completely frivolous, and the reporting of the same account multiple times. Also, in violation of section 623 of the FCRA, not all of the accounts that I have disputed, notate " consumer disputes account ''. This is grounds for removal, and my rights have been violated.
Consumer complaint received 2020-03-14
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (SC)

I ordered two pairs of shoes from the Steinmart Store located in XXXX XXXX, S.C., a week before XXXX, XX/XX/2019. I ordered them, paid for them, and they were to be delivered to my home. The charges for those two pairs appeared on statement charged on XX/XX/XXXX. One pair cost {$45.00} and the other pair {$64.00}. Only one pair ( XXXX ) was delivered to my home. I called Steinmart and they could not tell me what happened to the delivery. I have contacted them several times and each time I am told that I need to contact the dispute department. The dispute department at Syncrony Bank has not returned any call after I have left several messages. I never received the shoes, and I have requested proof of delivery form what ever delivery carrier they used. They have not provided me with any proof of delivery, but are still charging my credit card account.
Consumer complaint received 2020-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (TN)

I Had an account with XXXX for over 12 years. Their service began to wain, so I switched carriers. My account at that time was in good standing and had not been under contract for many years. I paid the balance from the store of my new carrier when they swapped my number to the new phone. A few years later I began getting calls saying I owed them money. They have refused to provide proof. After a few collection agencies, it was sent to Southwest Credit Systems. I told them I don't owe them money and I'm not going to pay. they made calls to a few family members threatening " legal action '' and continue to call me after I told them to stop.
Consumer complaint received 2023-12-30
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. (IL)

In Accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B A creditor can not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

15 U.S Code 1681a- Definition ; rules of construction- Exclusions. - Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (FL)

The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2021-03-19
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. (NC)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXXXXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-03-19
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. (NC)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$6400.00} on the XXXX XXXXXXXX XXXX Partial account number XXXX as well as a collection/chargeoff in the amount of {$2800.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts are 7 years old. The original line items were removed from 2 of 3 bureaus due to 7 years of age and are reporting again. This false reporting is seriously harming my credit score and these line items need to be removed. This is a clear violation of the of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WV)

I just recieved a currant credit report dated XX/XX/20 I noticed on page10 of 12 that the last 4 of my social security number is wrong and doesnt belong to me. the last 4 that they have on this report are XXXX my last 4 are XXXX. The next item that is wrong isthe phone number I have never had the phone number XXXX as a residential number. I also noticed under notices it says " This address has pertained to a buisness : XXXX XXXX XXXX XXXX, Wv XXXX '' This probably is a buisness address but it isn't my address. My address is XXXX XXXX XXXX XXXX, Wv XXXX. So my address is XXXX XXXX not XXXX XXXX. 
There are 3 whole pages of people that have checked my credit or whoever the last four numbers XXXX of thier social and I dont remember authorizing all of these individuals the right to check my credit for all the resons stated, if at all possible I would like these removed since I did not authorize all of these buisnesses to check my credit or whoever the XXXX belongs to, maybe it was thier credit getting checked that much.
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OR)

I owe paypal a debt. So now I owe XXXX XXXX XXXXXXXX XXXX XXXX called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..
Consumer complaint received 2020-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TX)

XXXX  XXXX  forclousing on my home without me being aware they were selling the home. Home bought in XX/XX/2016.. XXXX XXXX has lien but sold account to XXXX and I was not aware. Account sold several time and companies asking me to pay from the beginning. For several years I was not aware who had my small loan for $ XXXX, balloon loan. I am current with big loan.. not behind.. But XXXX  has foreclosure date of XX/XX/XXXX and I just learned about it I have been paying SLS. ( Specialized Loan Servicing ) on large loan and just now they also have the small loan.
Consumer complaint received 2024-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

On XX/XX/year>, I wrote a check from my account at XXXX XXXX to a customer of Huntington Bank for {$9000.00}. That customer cashed the check. Without explanation, Huntington Bank declined to release the funds to that customer. Huntington stated that the funds were on hold and would be reviewed for possible fraud. My bank ( XXXX XXXX ) has already debited the funds from my account. 

I went with the customer to a branch of Huntington ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). I presented two forms of identification as well as the checkbook used to write the check, and I stated that this was a legitimate transaction and I wanted to Huntington to release the funds to the customer. I also brought all documentation regarding the account from which the check was written. The representative at Huntington Bank told us the funds would be released. 

The funds were still not released, so we called Huntington Bank several times. We were told over the phone that I needed to submit a notarized letter stating that I wanted the funds returned to my account. I did this. I typed and notarized a letter stating the exact information of the check and stating that I did write the check and wanted the funds returned to my account. The customer submitted this notarized letter to Huntington Bank, along with all documentation related to the account from which the check was written. 

Huntingon Bank still refused to release the funds. A representative on the phone asked me to ask my bank to recall the funds. I called my bank and they said they can not do this. However, my bank was able to fax a letter to Huntington Bank stating that the original check written was legitimate. 

Huntington Bank still refused to release the funds, even after a notarized letter from me, extensive paperwork proving the account is mine, and multiple forms of identification from me. Huntington refuses to release the funds to the customer and also refuses to return the funds to me. They have been holding these funds for over 2 months. I would like Huntington Bank to release the funds back to me.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (NJ)

To XXXX XXXX, I am using this CFPB portal to dispute the following incorrect information appearing on my credit report. I just want to ensure that you receive my dispute in full detail and timely fix the errors on my report. The items I dispute are also circled in the attached copy of my credit report. 



First Disputed Item : Adverse American Express Account # XXXX Reason for Dispute : I closed the account and settled with American Express. We each signed a release of claims that included a future provision prevented American Express from reporting this debt delinquent after the account was settled. The credit report still shows a late payment of more than 60 days on the column marked XXXX, and more than 30 days late on the columns marked XXXX, XXXX and XXXX. This is the second time I am complaining about AMEX via the CFPB portal about this error on my credit report. I am attaching a letter from American Express as proof. 

on Monday, XX/XX/2021 I spoke with a representative from AMEX at XXXX XXXX and she admitted the account was listing in error that it is a primary holder but I am only an authorized user. Therefore this account is being listed as mine in error.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Hi. I was the costumer of Citi bank. 
Im trying to get a loan from XXXX XXXX, but it was not original company. They posted on my account on XXXX or XXXX of XXXX fake check. And city bank close my account in XX/XX/XXXX XXXX. I was contact to the bank around 50 times about this situation and about my money which I get from my job ( direct deposit ) they told me, wait 60 day, I wait already 6 months and nothing changed. I had XXXX on my checking account and XXXX on my saving account, now, when I contacting to the bank, they cant check any information and sending me to the branch, in branch I also did not get any help, because they told me, they need to call to the fraud department, and still did not give me any solution, just every time when I contact to the bank, they told me, wait 60 days ... its co complicated ... please, help me to get my money back ...
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (OR)

I owe XXXX  a debt. So now I owe first source collections. First source called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..
Consumer complaint received 2019-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I got charged a XXXX dollar annual fee for this card. 2 days later the bank shut down my account. Now they are refusing to refund me the annual fee on my card. There is no reason why I should pay the bank this money if they are not providing me with the benefits of the card.
Consumer complaint received 2021-03-19
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. (TN)

Equifax ; XXXX  and XXXX  should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2020-03-14
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is my company 's bank card, is used to save money and use it, not a credit card. When I applied for this card, I didn't have any notice that I could overdraft. just told me how much I could spend. One day I only had XXXX  in my card. On the same day, I paid {$17.00}, {$19.00}, and {$32.00}. Then these three deductions were all pending. The last overdraft was {$1.00}, and I found out the next day. After deducting the investment fee of XXXX  dollars, three orders are still pending. At this time, a total of XXXX   overdrafts. On the third day, another order was deducted from the processing status, and I was charged another XXXX dollars. I do nt think I should swipe my card without money. Succeeded, I was debited because of an overdraft, why do I need to charge me again for other pending orders, and this was not used when I swiped the card. If I swiped the card 10 times a day, The last overdraft, whether the account is in overdraft state, is it necessary to charge XXXX times for 11 times I think it is very unreasonable, and my English is not good, I can't solve it for a long time to find a translator, too disappointed.
Consumer complaint received 2021-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (VA)

Affirm extended loans to consumers for XXXX XXXX XXXX. XXXX was scamming consumers by shipping them defective products or by refusing to ship the products at all once paid through third-party-financer Affirm. Affirm failed to do its due diligence against XXXX prior to extending third-party financing to consumers. XXXX likely could not have operated this scam without Affirm. Yet, Affirm continues to collect on these debts.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am currently in a XXXX XXXX  and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my Trans Union credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-03-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Google Compare Credit Cards Inc. (CO)

Google Pay sent money to someone else 's bank account, when it should have gone to mine via a payment from a friend. The bank proved it went to the wrong location. Google admitted they made a mistake and let my account get hacked. Plus when trying to fix it, they sent a charge for the same amount to another google service ( Google Fi ) which ended up having me pay double for phone service for that month.

After 45 hours spent with support, including several initial employees admitted Google made a mistake, it would always get escalated to a manager. The manager would only check the google records which looked like everything was fine. But multiple bank records showed they made the mistake and haven't fixed it yet.