davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I paid the {$500.00} deposit to refinance my home to XXXX on XX/XX/XXXX. I was told the process would take approx. 6-8 weeks. I agreed to a 2.5 % rate with total closing points at {$3600.00}. I received notification that the loan was closing on XX/XX/XXXX and that I needed to review the closing disclosure. I did so but heard nothing for weeks about signing with the title co. I called my loan officer several times and was told they were working on a few items but that this would close soon. I called the title company and they said they were all set to close, waiting on the lender Amerisave. I received another closing disclosure on XX/XX/XXXX from Amerisave which increased the closing costs to {$13000.00}. I was told they continued to work on closing but for some unexplained reason they were unable to close. I complained about the change in closing costs and they ( XXXX XXXX and his boss XXXX XXXX XXXX said they were working on a {$4000.00} credit for me. I asked for daily updates which I received occasionally saying they were still working on it and it would close within a day or two. So here I am on XX/XX/XXXX ; they ( XXXX and XXXX XXXX claim they have not received a payout amount from my current mortgage company XXXX. I called XXXX and they assured me the payoff amount was sent to the requested fax # on XX/XX/XXXX. After a conversation with XXXX XXXX who claimed they have not recieved this information I called XXXX back and asked them to send the payoff quote to XXXX XXXX directly. Best scenario would be to close the loan I originally agreed with- disclosure XX/XX/2021.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

At XXXX XXXX on XX/XX/2020, I went to a full service TD ATM machine inside a TD Bank at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I deposited {$200.00} in cash then followed another cash deposit transaction of {$250.00}. However, the ATM machine gave me back {$80.00} and kept my {$170.00}. When I logged into my TD Bank account, I saw that the {$200.00} came through, but the {$170.00} did not and was only showing " XXXX '' instead of " {$170.00} '' I tried calling a TD customer support but could not reach anyone. I preceded to call the XXXX Police Department to inform them of the situation and suspicion of a fraud activity. Officers XXXX and XXXX were at the scene. But informed me I should go to the bank the next day ( XX/XX/2020 ) so that I could talk with someone. I arrived at the bank the next day ( XX/XX/2020 ) and the teller issued me a new debit card but I was unable to retrieve my original ATM card. The teller ( XXXX? I think that'a her name ) filed an ATM dispute and stated that the funds will be issued in " 10 days. '' I have solid proof that I made 2 cash deposit transactions and would like my funds be available at my account, not 10 days. 
So at this moment, I still need my {$170.00} back.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NY)

Upon my review of my consumer reports it has come to my attention that you XXXX XXXX XXXX are reporting accounts to my XXXX XXXX that I did not give you any express permission or permissible purpose to report. 15 USC 1681b2 As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My private information is my business, my student loans are my private information, and you have reported my private information without my consent. Your actions amount to aggravated identity theft. 
18 USC 1028A.

As a consumer you have an obligation to protect my personal nonpublic information.

15 U.S. Code 6801 - Protection of nonpublic personal information- It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
You reported my confidential and private information to a nonaffiliated third party without my permission or without giving the proper disclosures. Pursuant 15 USC 6802 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : a ) The financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; b ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am requesting all my disclosures pursuant 15 USC 6802 B that you should conspicuously disclose to me before reporting of my non-public personal information to nonaffiliated third parties ( Experian, XXXX, XXXX, XXXX ) I am exercising my right to opt out of having my information reported pursuant 15 USC 6802B Due to this inaccurate information on my credit report this has caused me mental, emotional stress and denigration to my character. XXXX XXXX XXXX have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

See below on the XXXX accounts that need to be deleted off my credit report immediately 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
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

My good number of applications for bank account and credit cards are being rejected/obstructed due to some so called " credit freeze '' on my account by Experian. When i tried to contact Experian - there is no way one can reach out to a human being. It's a maze of robotic prompts and never ending IVR where no way one can reach out to the human being. 

Recently XXXX denied my credit card application, when i talked to them - i was told it was due to Experian security freeze on my account. 

Experian - don't be so cheap - hire more human beings and fix this problem. Don't put security freeze on your own and at least tell that person with whom you are doing this.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EOS Holdings, Inc. (NC)

EOS XXXX, is in violation of 15 U.S.C 1692-1692p. On 2020 XX/XX/XXXX, I XXXX XXXX do swear that I received a phone call at work from a Representative of ESO XXXX, in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692 ( d ). The individual calling did not want to provide information to me that would help me to understand the propose of her call. I was unable to talk at the time of the initial call, so i called back and spoke with a several members of the staff. I verified with them my name, and the number in which i was calling from. Each person i spoke too was unable to provide the purpose of their call unless i provided them with additional personal information. Each person i spoke with was both abusive and oppressive with me on the call in violation of 15 U.S.C.1692 ( d ) ( 2 ).
Consumer complaint received 2020-02-20
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank are refusing Arbitration under the Federal Arbitration Act regarding the Fair Credit Billing Act and the Fair Credit Reporting Act regarding an transaction with XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NY)

Phone number kept calling me, and after googling the number found out it was registered to a debt collection group called The CBE group.  Blocked several iterations of their phone number and still keep receiving calls from them. Tried calling them and got directed to an automated voice message system. Receiving the call only results in a few seconds of silence before the call ends. Calls are repeated and happen daily.
Consumer complaint received 2020-02-20
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: Phoenix Financial Services LLC (LA)

To whom it may concern, I have contacted XXXX  regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from XXXX. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : PHOENIX FINANCIAL SERV XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (WV)

I received a letter from Cominety Bank about my Meijer Credit card dating XX/XX/2020 I sent the information to them, I received a 2nd notice on XX/XX/2020 saying my account was closed, This card has no expiration Date or a 3 digit code on the back. I was asked to send my private information to the company? My ID/Drivers license front & back ; Social Security Card front & back ; My Bank Account Front, I did not include the back of my Social Security Card because I thought it was not needed for this. I  became upset my Wife in Michgan had Permission to use the card. They Flagged her card for Fruad. She has been treated unfair in this matter when she was using her card at a Meijer store she was asked for a expiration date I can get a copy of this card for you to look at. i have never been late or never missed a payment. Never the less MY Private Information is now in their Position I do Not see Why They would want the back of the card seeing it has no information on it. Their policy says the will and would never ask for this kind of information to me it is a scam. They now have my private information in that companies Fruad Department! I do Not Want An APOLOGY OR EVEN A CONTACT LETTER OF ANT KIND I WILL CONSIDER THAT HARASSMENT. they never gave me time to send the rest of the information to them and i called them many times over this issue not one time did they ask for this information until 2 weeks ago.
Consumer complaint received 2021-04-16
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: JPMORGAN CHASE & CO. (NC)

XX/XX/XXXX - I disputed these accounts with the all 3 credit bureaus and the creditor XX/XX/XXXX - I disputed contacted all 3 credit bureaus and the creditor XX/XX/XXXX - I contacted the creditor to dispute
Consumer complaint received 2020-02-20
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: Experian Information Solutions Inc. (LA)

To whom it may concern, I have contacted Experian regarding an error on my credit report. I mailed them a letter of XX/XX/2020 regarding the matter asking them to investigate and please remove the erroneous collection and never received a response from Experian. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Please remove the following inaccurate information : Collection Creditor : XXXX XXXX XXXX XXXX - {$1.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses as is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 

Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-04-28
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, these accounts has violated my rights : XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account XXXX XXXX, Account XXXXXXXX XXXX XXXX, Account XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 B : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-28
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. (NV)

Your company provided the following information on my credit report and want it removed.

US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX, I accepted a promotion offer from American Express " Amex '' Cash Magnet cards stating that " after you spend {$1000.00} or more in purchases with your new Card within the first 3 months of Card Membership. You will receive the [ {$150.00} bonus ] cash back in the form of a statement credit ''. I completed the application with a live Amex representative and was approved over the phone. 

So I charge more than {$1000.00} to the card when I called Amex XXXX and asked for my {$150.00} bonus credit, I was told that I am engaging " gaming '' because I have a Gold XXXX XXXX cards which I opened about 4 years ago and there was not enough activity on the XXXX XXXX ( I was told I did not use that account that much ), therefore, I will not receive the {$150.00} bonus. More importantly, I have no idea Amex using the word " gaming '' in which it is hard for any person to understand. 

However, I have been paying the {$95.00} annual fee every year for the last four years and Amex has no problem billing for the fee. 

I was an Amex card member since XXXX and I am surprised Amex will treat me like I was some type of dishonest person. 

Therefore, I feel I was tricked into this sign-up bonuses after I have spent the {$1000.00} on the card.
Consumer complaint received 2019-07-11
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - XXXX XXXX XXXX XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX Capital one Bank- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (MO)

My name is XXXX XXXX XXXX and I am sending this complaint to address the inaccuracies on my credit report provided by TransUnion. As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$420.00} XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$6400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance {$6400.00} XXXX XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I recently tried to dispute my delinquent payments on my credit file due to my hospitalization. During the time of the aforesaid hardship i was XXXX XXXX and hospitalize and was unable to make a payment because my accounts did not have autopay setup. I submitted a signed letter from the physician illustrating that i was hospitalize for the time period in question. I also submitted a letter from the nurse who was assigned to my case that supports everything the physician is stating. I got my dispute results back and they denied my request to remove the late payments. I let them know that i was only late because of my hospitalization and would have not been late if i wasn't hospitalize. I tried to dispute the late payments again because i recently got a eviction notice from my current residence. I pleaded with the credit bureaus to remove the late payments because i applied to 10 different apartments in the area with cheaper rent and got denied from every single one of them due to the late payments. I notified them that i will become homeless if the late payments are not removed and i also asked for the investigation to be done promptly because i need to find somewhere to live ASAP. Its been 2 weeks after i sent the notarized letter to the bureaus that gave them 15 days to reply ( 4 weeks in total ). When i pulled my credit file i noticed that their are some inaccuracies on my credit file. Some credit bureaus are reporting the account as delinquent for one month and the other credit bureau is reporting it as in good standing for that same month. This is affecting my ability to find a new apartment or qualify for credit. I would like for my delinquent payments to be removed because i showed them evidence that i was hospitalized and explained to them that i wouldn't have missed the payments if i wasnt hospitalized. I will become homeless if something isn't done and im trying my hardest for my nightmare to not come to pass. Please help because the credit bureaus are not emphatic to my situation.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (VA)

I have 3 medical bills on my credit report, which should have been paid by XXXX XXXX. I have paid these myself to clear the debt. The collection agency Bull City refuses to remove the debt from my report, so I called the XXXX  ( XXXX XXXX XXXX ) the debt was owed to and they will not pull it back from Bull City. I have receipts that show that these bills have been paid.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

To whom it may concern : This account is missing information, and is currently, and has been, reporting incorrectly on my credit report. This is illegal, and a violation of my rights! I have requested validation several times, and I have suffered damages due to the incorrect reporting on my credit report, that you are responsible to validate. 

Please Delete immediately! 

There is no High Balance reporting, where it should be. This has been reporting incorrectly for an extended amount of time, despite me requests for my rights to be protected and to have this assessed : 1.  XXXX  XXXX. 
Delete immediately, as this is a violation of my rights! 

Sincerely, XXXX XXXX