davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit bureau dispute. False late payment reported by creditor to bureau. Error in their statement and billing cycle. Would like a updated past due history on account. Error by creditor not willing to correct in violation of the FCRA. Effecting loan applications for home purchase. Want removal of late fee from credit report not a request to validate. Have constructive payment history, signed up for auto pay, theyve returned my late fees but wont report to credit bureau of error in system.
Consumer complaint received 2022-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

On XXXX XXXX, XXXX, I contacted USAA to report a series of charges made to my account beginning XXXX that I was unaware of. I was informed that a dispute would be put in place which could take up to 30days to resolve, but in the meantime the funds would be returned to my account. Since then, I have been following up with USAA given the fact that the money was not reapplied only to be told to allow " 48-72 hours, '' " someone would be following up with me, '' and as of XXXX. XXXX, " the dispute was not filed properly and that the completion of an unsent form is required. '' I was advised that this form will be sent to me via the site, which I have explained multiple times do not reflect the processing of my dispute nor shows the availability of this form. Today, XXXX, I have called once again to check the status of this dispute to only be returned to queue, placed on silent holds, and transferred without being informed prior. When asked to speak to a supervisor, as I have in the past, I was told one was unavailable. I have been a customer of USAA for over 10years, and during that time they have disappointed me in MANY ways, however, in those cases the disappointment was instant and not drawn out.
Consumer complaint received 2022-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (NY)

Name of the company : COMENITY  Name of the credit card : My XXXX 's XXXX My XXXX bill was XXXX due on XX/XX/XXXX. 
On XX/XX/XXXX I paid XXXX and XXXX totaling XXXX. I made a math error and I was XXXX short of paying the bill in full. Since XXXX I have paid my bill in full with this card. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, paid the bill in full, XXXX 

On XX/XX/XXXX COMENITY  charged me XXXX FINANCE CHARGE. 

My XXXX bill was XXXX  due on XX/XX/XXXX. On XX/XX/XXXX, I paid the {$7000.00} bill {$16.00} more than the amount due. 

On XX/XX/XXXX COMENITY  charged me XXXX  FINANCE CHARGE. 

On XX/XX/XXXX at XXXX PM, I called and spoke with XXXX in COMENITY customer service. She told me the reason I paid so much in interest was because I was charged interest on the entire balance in XXXX ( because I did not pay it in full ) not the balance owed. I explained to her that I can not be charged interest on money I have PAID to COMENITY. I believed it was an illegal practice. I had only seen the one interest charge for XXXX at the time XXXX I asked if she felt it was appropriate to pay three times the amount of the balance in interest. She disagreed and stated that is the policy. I closed my account. 
I found this so incredulous I called COMENITY customer service again and escalated this issue and I was transferred to XXXX XXXX. XXXX confirmed what XXXX said and added the detail that if a balanced is not paid in full, COMENITY will continue to charge interest on that XXXX total balance until the bill is paid in full for TWO full months -- even though bills in the meantime are being paid in full! XXXX explained to me that all of this is in the fine print of the credit card account paperwork I received. I asked XXXX if he had ever read that paperwork. I did not receive a response. At the time I spoke to XXXX and XXXX, I thought I had only paid XXXX} in interest. I also asked XXXX if he felt XXXX  and was appropriate for a XXXX  balance back in XXXX when the following two months were paid in full and one case more than full. Again no response. 

Subsequently I went to the COMENITY site and learned I paid XXXX since XXXX in interest for a XXXX balance on a XXXX bill when the next two months ' bill were paid in full. NEITHER the customer service representative, XXXX or XXXX informed me of this discrepancy. So in effect, I paid XXXX interest for 30 days on XXXX  That is usury. 

I am asking the CFPB is this practice legal -- charging people interested on amounts PAID to a company? Charging interest when balances are PAID IN FULL for two months after one month of a minor math error of XXXX of the balance? 

Please advise.
Consumer complaint received 2022-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax listed a former address that hadnt been my address for four years as my current address. They also listed my current address as a former address. When I filed a report with Equifax to correct this bad information, the only options I was given were that 1. I have never lived at this address ; 2. Someone with a similar name lives at this address ; or 3. I am the victim of identity theft. NONE of these options are applicable for my situation. I was forced to enter inaccurate information in order to fix incorrect information.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2018 XXXX XXXX XXXX Last reported : XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2021-06-07
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. (CA)

I disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revenue Assurance Professionals LLC (TN)

I have tried to dispute this account previously. I DO NOT have a contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.
Consumer complaint received 2022-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MA)

My mortgage has been with Chase for 15 years. Ive been paying my own real estate taxes for approximately 8 years. I do not escrow my real estate taxes. I do escrow for home owners insurance, about {$98.00} per month. 
I have never missed or been late with a mortgage payment or a real estate tax payment. I pay my mortgage through direct withdrawal from my checking account. My credit history is stellar. 
I received an email from Chase on XX/XX/XXXX stating that Chase had performed an escrow review and that my monthly payment would be increasing from {$1600.00} to {$2700.00} per month on XX/XX/XXXX. I logged into my account and found Chase had paid my real estate taxes, without notifying me, for two quarters in advance and was charging me for that paymentplus estimating my taxes for the rest of the year. I called Chase and spoke to a rep who said Chase received a notice from the XXXX of XXXX that said I was delinquent. When I asked for a copy of the notice, she said it was public record. I uploaded three years of proof of tax payments, cancelled checks, to the Chase website. I again asked for a copy of anything Chase used to decide I was delinquent on my taxes. 
I went to the XXXX XXXX Treasurer 's office on Monday, XX/XX/XXXX. The clerk told me that this issue was happening to a lot of residents. She gave me a copy of my payments showing that my account is overpaid. I uploaded that to the Chase site also and again asked for their process of declaring me delinquent on my real estate taxes. Ive been told that my request is being escalated. 
I think that this is a money grab by Chase hoping that I wouldnt notice until the payment came out of my checking account.
Consumer complaint received 2022-06-19
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. (AL)

n accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.
Consumer complaint received 2022-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

After a court ordered legal name change, Equifax refuses to update the account without proper documentation which is understandable. Even though this violates laws about collection of such information by having legal documents and photo copies of both driver 's license and social security card combined, they mandate it be sent through the US Postal Service. This method has now subjected me to identity theft as the documents that were sent are 'lost in the mail ' and Equifax is demanding that I resend copies, which again threatens the security of my private information. Meanwhile, my entire livelihood is on hold as I can not complete any transaction that is dependent upon a credit report from Equifax. My legal name is not in their system and therefore, I can not rent a home, purchase a home, trade in my vehicle, NOTHING. I am required to move to another state for employment and have not been able to for months because Equifax is uncooperative in finding a solution that does not demand my PII to be released to the public. In the digital age, they refuse to allow digital documents to be sent that would limit the exposure to theft. 
How can an agency have total control over an American Citizens entire livelihood like this and demand that personally identifiable information be combined and sent through USPS? Privacy Act of 1974 and other federal laws that govern PII include the " collection '' of this information.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX   Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I have three credit cards with Citibank. They are the Thank You Preferred, Simplicity, and Diamond. Both the Diamond and Simplicity are tied to the same bank account ( e.g., Bank A ) for payment. Note : The Simplicity card is set up for automatic monthly withdrawal, the Diamond is not. The third card which is the Thank You Preferred payments are used from another bank account ( e.g., Bank B ) and is not tied with either the Simplicity or Diamond. Bank B is my mother 's bank account and I did not have access to her routing nor checking account number that would be required for new payment setup. Note : The Thanks You Preferred is also set up for automatic monthly withdrawal using Bank A to pay it off faster. 

On or around XXXX XXXX, I was informed that Citibank withdrew funds from Bank B not Bank A for payment on the Diamond card. This was an unauthorized withdrawal. Back in late XXXX, when I spoke to the customer service representative to make a payment on the Diamond card for a XX/XX/XXXX payment, I only authorized it for Bank A, not Bank B, because I did not have my mother 's routing nor  account number, which is required by Citibank to set up a new payment account. I called Citibank the same day to make a complaint and they informed me that they would investigate the matter, however I have not heard back from them. 

On XX/XX/2018 I was once again informed that Citibank withdrew funds from Bank B for the automatic payment of the Simplicity Card. Again this was an authorized withdrawal, I only authorize automatic payments for Bank A. Once again I reached out to Citibank to inform them of a breach and they said they would investigate the matter. 

I want CFPB assistance with this complaint because my mother 's account has had over {$600.00} of authorized funds withdrawn. In addition her bank ( Bank B ) has said that Citibank has set up automatic payments from her account ( Bank B ) which is not true. I believe this is a data breach or system error that has had dire consequences. My parent is elderly and this is unacceptable. 

Enclosed in my compliant are the following : -Screenshots of online account for Simplicity and Diamond displaying that only Bank A is tied to them.

-Proof that Citibank has withdrawn funds from Bank B
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX XXXX sent me a letter stating that. " The disputed item ( s ) was removed from your credit report. '' Credit went up 29 points. On XX/XX/XXXX XXXX sent letter stating account ( s ) belong to me. In the amount of {$470.00} from XXXX XXXX I first disputed in XX/XX/XXXX. I spoke with the company that I have NEVER been to New Jersey and I have proof around the time the account was open I was here in Georgia. Today XX/XX/XXXX my score dropped 7 points for false remarks from consumer which is not me.
Consumer complaint received 2018-12-18
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. (KY)

XXXX XXXX XXXX was able to put a fraudulent account and address on my report without my consent dated XX/XX/2018 for {$540.00}. This account and address do not belong to me and his affecting my credit. I am young and trying to establish my credit and this is hindering that. I have tried to dispute this with Transunion with no luck. Please remove this as soon as possible. Thanks
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I never did business with the company LVNV Funding LLC, both the company and the credit bureau never provided me with notice of this alleged debt being placed on my credit or provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be removed.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Absolute Recovery Services, LLC (TN)

I have tried to dispute this account previously. I have no contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.