davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

All occurring on XX/XX/18. Experian has made it nearly impossible to access my free credit report, instead it gives me a continual run-around, ultimately requiring me to physically mail documents ( not free ), to receive my report. While XXXX  and XXXX issued my report without complications, Experian gives one disingenuous excuse after another ... first, " my current address isn't an exact match '' which shouldn't be the case if both XXXX and XXXX had no issue with my address. Then, Experian gave me the option of uploading " proof of identity '' documents such as my license and a current bill. I did so, and each time I clicked to upload and submit the documents I was given a new error ( which wasn't even stated an issue in the upload instructions ). The website states that both PDFs and TIFFs are acceptable formats, but, when I attempted to upload a photo of my license which as in color, it was denied because it had to be a gray-scale TIFF, which wasn't stated prior. The second time I uploaded a gray-scale TIFF, the file size was stated to be too large, again, the second file was smaller than the first, yet I was not instructed to submit a smaller image file. Finally, having corrected both of the aforementioned issues, on my third submission attempt I was redirected to a web page that stated I have exceeded my maximum number of attempts to upload the documents and that my free credit report request could only be processed by mail. Experian is truly the lowest common denominator of the credit reporting world, they make requests so complicated and difficult that most people would give up -- not to mention they try to trick you into paying for a report, even though I'm entitled to an annual report. Truly tired of their fabricated complications and diversionary tactics, this isn't the first time I've had issues with Experian specially when accessing my annual report ... meanwhile XXXX  and XXXX always work without issue.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This Portfolio recovery account popped up on my credit report one day. I dont know this company and I have never done business with this company. They constantly change the account and move it around to start the dates over. As a business owner this a a problem to me because I do not know these people and they refuse to stop segregating my credit report.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (CA)

XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax fraud department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX
Consumer complaint received 2021-02-18
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: EQUIFAX, INC. (FL)

There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX is an old account that is paid off, yet they have adverse information affecting my credit.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have contacted 5/3 bank every month for the last 3 months about 2 charges that are being automatically paid out of my account that is not set up to be a recurring automatic payment. One is for {$300.00} the other is {$550.00}. The first month I contacted 53, I was told they dont see the automatic payments set up on there end nor do they see it on my end. We chalked it up as a glitch. The next month I contacted 53, I was told they would send my account to a special department to look into why this is happening. No one ever contacted me. The final time which is as of yesterday, I have a XXXX balance in my account. I contacted 53 today and was on the line for an hour and half speaking to representatives and finally a Supervisor by the name of XXXX. XXXX stated the only thing they can do is Credit the fees they charged back to me but I would have to try to get my money back from who the bank paid without my authorization. I asked, So youre telling me my bank sent my money to places I didnt authorize and now Im have to try to get my money back from where XX/XX/XXXXbank sent my money without my permission? Her response was yes. She said she tried to see if there was something they could do but the bank cant pull the money bank after its been paid. I stated but I didnt tell you to use my money. she stated she knows it was there error but there is nothing she can do. I would have to contact who they sent the money to and TRY to get the money back. I am confused as to how the bank can use my funds without my authority and then tell me I have to TRY to get MY money back, although the BANK made the error?
Consumer complaint received 2019-07-23
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. (ME)

TO : Consumer Financial Protection Bureau FROM : XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ; I filed a dispute with Equifax for an invalid bankruptcy report that has been on showing up on my Equifax credit report since 2012. 

I have never had a bankruptcy, nor been in the District Court where it was discharged. 
I have been a victim of mistaken identity, and It clearly belongs in someone else 's file. 
There are many " XXXX XXXX 's '' out there. 

I have unable to resolve this issue with Equifax, despite repeated attempts to do so, including purchasing their consumer monitoring product. I did file a dispute with Equifax, but have been unable to view their results on line. I have also been unsuccessful in contacting them by phone. Dealing with Equifax ( and other credit reporting bureaus ) has been beyond frustrating, if not impossible. 

The bankruptcy error, ( which doesn't show up on my XXXX  or XXXX  Credit reports ) continues to show up on my Equifax report. Equifax has made it impossible for me to resolve this issue, and has made it difficult for me to obtain bank loans or other financial products due to the erroneous bankruptcy on my record. 

I am deeply frustrated with this issue, which is why I am appealing to you for help. 

I have been a victim of mistaken identity, and I would like for this erroneous bankruptcy to be permanently removed from my credit report. 

FACTS : - The Bankruptcy in dispute is listed under " Public records '' on my Equifax report. 
- It was discharged on XX/XX/2012 on District Court in XXXX, MA - The reference number on the credit report is : XXXX - This bankruptcy continues to show up on my Equifax report. 

Thank you, XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX. XXXX  XXXX XXXX, Maine XXXX Physical Address : XXXX XXXX XXXX XXXX, Maine XXXX
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Creditor did not provide in accordance with the regulations of the Bureau, TILA disclosures in obligor 's rights of rescission and appropriate forms H8 for the Obligor to exercise right to rescind. 
The Creditor was contacted by me stated they are not familiar with T.I.L.A.

Please assist in having Creditor uphold the T.I.L.A requirements.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NV)

I recently reported XXXX XXXX XXXX to this same organization. Discover 's immediate response was to lock my account, preventing me from making payments. Despite multiple phone calls they are adamantly refusing to remove the lock on my account. I feel that this is a blatant attempt at intimidating me and punishing me for reporting them. Further, I feel that this is a deliberate attempt to force me into making a late payment so that they can increase my interest and charge me penalties. 

XXXX XXXX XXXX is punishing me for reporting them. 

XXXX and XXXX in the XXXX find this situation so uncontrollably funny that XXXX was bursting out laughing at me on the line while she transferred me.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/VICSCRT Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I opened an account ( CD for {$25000.00} ) on XX/XX/2019. I was told that if I opened another checking account and deposited {$1500.00} that I would receive a {$200.00} bonus. About 2 months went buy and my bonus was not put into my account. I went back to the bank and talked to the man who set up the account ( XXXX XXXX XXXX ). He said I had to have the money in there for 90 days before the bonus would hit. We are now over 120 days and my bonus has not hit, XXXX XXXX XXXX no longer works there. They said he was transferred to XXXX Mi. and nobody else at that bank in XXXX XXXX has any knowledge of a bonus coming to me. I have 4 accounts at that bank and I sure did not need another one, I only opened it because of the bonus that he guaranteed I would get. I called the complaint department an XX/XX/2019 and lodged a complaint and have heard nothing from them.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

TransUnion was charging me for a service I dont ever recall signing up for. 
The charges were made from XX/XX/XXXX to XX/XX/XXXX. There is a charge of {$19.00} every single month. 

I do not remember even giving my consent to charge my account. I just realized I have been getting charged every month.
Consumer complaint received 2023-06-29
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: VW Credit, Inc (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-06-29
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: Thaxton Investment Corporation (IL)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for purpose.
Consumer complaint received 2019-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

This case is a second filing against The Money Source. The original issue has not been resolved. Please refer to the previous case if needed. The case number is XXXX. 

I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. 

On XX/XX/2019, TMS responded " To Whom It May Concern : The Money Source ( NMLS # XXXX ) ( TMS ) is in receipt of the complaint filed by Mr. XXXX XXXX ( the Borrower ) with the Consumer Financial Protection Bureau. Mr. XXXX complaint states that after refinancing his loan with XXXX XXXX, he has received conflicting information regarding who is servicing his loan and to whom he should be making the XX/XX/2019 payment. Upon receipt of the complaint, TMS conducted a thorough review of the Borrowers loan file and determined that the Borrower closed on his loan on XX/XX/2019 with XXXX XXXX. On XX/XX/XXXX, the loan was sent to TMS, XXXX XXXX  subservicer. The Borrower made two principal payments on XX/XX/XXXX and XX/XX/XXXX, respectively, prior to making the regular monthly payment for XXXX on XX/XX/2019. XXXX XXXX  sold the loan to XXXX XXXX  on XX/XX/XXXX, and the loan was set to automatically transfer to XXXX after the balance had decreased by the amount of the scheduled XXXX payment. Due to the initial principal reductions, the pre-set balance threshold did not match, and the loan did not automatically transfer to XXXX. As of the date of this letter, the loan has been manually transferred to XXXX, including the XXXX payment made to TMS and the additional principal amounts. The XX/XX/2019 payment, in the amount of {$2200.00}, should be made to XXXX XXXX. All further inquiries should be directed to XXXX, using the following information : XXXX XXXX  XXXX. XXXX XXXX XXXX, MD XXXX XXXX If you have any questions or need further information, please contact me by phone at XXXX or email at XXXX. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX '' However, according to XXXX, the additional principal payments were not remitted to XXXX until XX/XX/2019 ( see CFPB case XXXX ). 

On XX/XX/2019, I received an email from XXXX saying the check for {$1200.00} from TMS had bounced. I called the XXXX Mortgage customer service number and was told TMS placed a stop payment on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to The Money Source in XXXX of 2019.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Several months ago, I completed a large sum balance transfer to a Bank of America credit card to receive a 0 % APR on the amount. I have continued to minimally use the credit card for other purchases. The bills/statements provide no clarity to the amount necessary to pay to avoid interest on the regular purchases, while fully benefitting from a longer timeline to pay off the transfer sum. I understand that minimum payment due is applied to lowest interest rate balances first, so therefore my balance transfer amount, but that payments exceeding that amount should pay off higher interest amounts ( current/new purchases. ) To avoid an interest charge on these new purchases, I called Bank of America and asked for the exact amount to pay that would result in {$0.00} in interest on my next closing statement. After receiving that amount from the representative, I made the payment that same day, with even XXXX {$10.00} more than the amount stated necessary to avoid interest charges. Despite this, I received the current statement and was charged {$11.00} in interest on purchases. I then called Bank of America directly and was told that if you make any purchase while having a promotional offer, you are subject to interest on the interest bearing purchases, regardless of payment amount and this remains in-effect for 2 billing cycles. This was not stated when completing the balance transfer and is very misleading. It ultimately penalizes a consumer for using their card while trying to benefit from a promotional offer.
Consumer complaint received 2019-07-23
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. (IL)

Transunion claims to not have a file on me as a result of disputes I made. ( See letter below ) The first file number I received is # XXXX. 

I believe this is yet another stall or delay tactic. It is of great concern that they could lose my file. How accurate could the records be? Please remove the following items from my report : ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized