davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-16
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)

There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX TRANSUNION Method of verification request To whom it may concern This letter is in response to your recent claim that the following account down below verified the accounts they are reporting is accurate.

Please be advised that Im exercising my rights under the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by agency including the business name address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available In compliance with this method of investigation request provide the following XXXX XXXX / XXXX / XXXX The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
please provide the information on this site!
Consumer complaint received 2023-04-10
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. (CA)

Today, XX/XX/2023 I got a notification from my credit monitoring agency that XXXX pulled my credit report. They pulled my report without my verbal or written authorization. Those credit union has violated my rights multiple times. XXXX has also reported incorrect information about past due payments when I was waiting for their approval on a hardship request. I was told they were behind and I emailed and called them multiple times without a response but yet they still reported inaccurate information to the credit agencies. 

NOTE : In accordance with the Fair Credit Reporting Act XXXX  has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit/loan account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2018-06-16
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting on experian XXXX and XXXX.the account is not mine.I never ordered or received a phone or service.The time of opening coincides with the time my purse was stolen and a police report filed for that. 
Delete the account, it is legally impossible to validate as mine.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/2019, I instructed XXXX XXXX XXXX to pay the remaining settlement amount to Capital One Bank for account ending in XXXX. A total of {$1300.00} was paid to Capital One to settle this account as " PAID OFF ''. 

I have tried to get Capital One to update my credit report accordingly to reflect the account has been closed and paid off with a {$0.00} Balance.
Consumer complaint received 2019-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (UT)

I was banking with us bank. I had a deposit go through my checking account on Friday. On Saturday the following day I went to XXXX and got items and groceries totaling {$150.00}. My card was declined and I walked out of the store with nothing in hand. Two weeks later I was balancing my checkbook and my statement showed the bank had taken out {$150.00} for a charge at XXXX for that same time my card was declined and I walked out empty. I immediately called the bank and they couldnt explain. I went to XXXX and they checked their records for the day before and three days after and they did NOT show any record of a charge for {$150.00}. The supervisor even wrote a letter saying there was never a charge of {$150.00}.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I can not get Bank of America to reimburse my final payoff overpayment for my mortgage. On XX/XX/2020 I sent a personal check to their payoff department in XXXX Tx. in the amount of {$1400.00}. This was the payoff good until XX/XX/XXXX. On XX/XX/XXXX I waited over 2 hours to speak to a rep to ask why my check had not been cashed. He could not find any information on the check and suggested that I wire transfer the money to BOA. Subsequently I was informed when I called back that my mortgage was satisfied on XX/XX/XXXX. Not knowing this, on XX/XX/XXXX, I spent {$30.00} sending the new payoff amount of {$1400.00} to their wire transfer department from a different bank. I have the Transaction Reference Number and the MRC account number into which the funds were received. However, on XX/XX/XXXX, my bank registered that the original check had been cashed closing my mortgage account, but my wire transfer money was not returned. On XX/XX/XXXX I spoke with XXXX after waiting on hold for 90 minutes, who promised me that within 24 to 48 hours this wire transfer money would be sent to my checking account ( gave him my routing number. ) Nothing happened. On XX/XX/XXXX I spoke with XXXX after waiting on hold for over 90 minutes, who transferred me to manager XXXX after another 30 minutes. She promised that within 24 to 48 hours she will make sure this is resolved. Once again it did not happen, and never a return follow-up call to me at any time on this issue. It was necessary for me to take out a loan to cover this second payment. Is this bank XXXX? Is this wire XXXX? Is this total incompetence on the part of Bank of America?
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (DC)

I received an escrow cancellation letter on XX/XX/XXXX, advising I have until XX/XX/XXXX to keep the escrow account open. A complaint with CFPB was filed in XXXX ( XXXX ). In the initial complaint, an escrow waiver was requested out of frustration. The escrow account was finally set-up. I spoke with a representative in XXXX regarding the escrow account and advised I would like to keep the escrow account open. My first escrow payment was due and sent for XXXX. Only to receive a letter on XX/XX/XXXX, notifying the escrow account is waived. And I had until the XXXX to keep the account open. It is difficult to get information conveyed by phone to the right department. The letter also mentions the penalty amount of {$130.00} for taxes was disbursed. However, I was told only XXXX was paid and the XXXX was not added to my escrow account. As I advised in my initial complaint, the tax penalty was paid by me and I would like the penalty funds added to my escrow account.
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Paypal Holdings, Inc (MI)

A charge was applied to my account in the amount {$.00} which was to be charged towards the line of credit. Never giving anyone authorization to charge my checking account paypal took it upon themselves to charge the above towards my checking account causing me to incur NSF fees from my bank. During a call on XXXX to PayPal manager XXXX promised to reimburse the fees after a follow up to my bank however they have not honored that promise and it's been over a month. The auto attempts of the {$.00} was done on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX totally {$210.00}. The agent XX/XX/XXXX named XXXX was supposed to follow up with me as well but of course that didn't happen either.
Consumer complaint received 2018-06-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (MI)

The interest rate on my private student loans have been steadily rising every quarter. They have risen more than 1 % in the past year, with the largest now sitting at more than 12 %. At most, they should have only gone up by .25 % to correspond with the Federal Reserve interest rate hike. In reality, the interest on a loan that ca n't be discharged should never increase. I have never missed a payment, and there has been no change to my income or credit score. I have contacted my servicer twice to inquire as to why they are rising, and have received no response other than " we have received your communication and will be in touch. '' Raising the interest rates on massive student loans for no discernible reason should be against banking regulations.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2019, Bank of America imposed an unjustified {$25.00} late fee on my credit card account. Since I had not paid late, I looked back at the prior statement to check when my payment was due. The XX/XX/XXXX - XX/XX/2019 statement listed a card balance of {$460.00}, and a due date of XX/XX/2019. That was a SUNDAY. I paid that balance in full via my bank 's online bill pay feature, which does not deliver payments on Sundays. Bank of America posted my {$460.00} payment the next day, Monday, XX/XX/2019. And slapped me with a {$25.00} late fee. The CARD Act expressly forbids this kind of unfair practice involving Sunday due dates. Accordingly, I wrote to Bank of America on XX/XX/2019 to explain the situation and request reversal of the late fee. Bank of America has neither reversed the late fee nor even responded to me, necessitating this complaint to the CFPB. I will be grateful for your assistance.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account INQUIRY DATE : [ XX/XX/XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX - XXXX - Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2019 I had my debit card information stolen and two fraudulent transactions were made in my name using that information. One charge was for {$99.00} and the other for {$99.00}. I submitted a fraud claim within the allowed time window of 48 hours to Chase banking. I was told today that claim was denied for three reasons.

1. They used my PIN number and, apparently theres no way they would know my PIN number ( I guess they arent up to date with key tracking technology. ) 2. I checked my account twice before calling in the fraudulent activity, apparently double checking my account before I call isnt allowed.

3. There were previous charges at that location that werent submitted as fraud. Yes, I bought gas there ... ..thats when they stole my information ... ..obviously ....

This reasoning is just absolutely inane and obviously put in place by Visa to keep us in debt and penniless while they dont have to pay claims.
Consumer complaint received 2023-04-10
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. (OK)

On XX/XX/2023, I wrote a dispute letter to Transunion, stating that they were reporting a collection as an open account ( {$240.00} ), which under the FCRA, is not compliant and this is inaccurate reporting and needs to be removed immediately.They reply to me.. '' is that it is accurate '', which it is not.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I received an email from the Dept. of Education on XX/XX/XXXX that my student loans were being discharges. In the email I was told that there was nothing I needed to do that the loans would eventually be removed from my credit report. Here it is now XX/XX/XXXX and that has yet to happen. I have called my servicer multiple times and get no where. They transfer me from person person, leave me on hold and it seems that no one cares to look into why the loans are still being reported. I do have a copy of the email and even received a refund check in the mail from dept. of edu.
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

RESURGENT/LVNV FUNDING is trying to collect a debt from me in the amount of {$240.00} dated XXXX that i have zero knowledge of from a time were i had no credit and filled no applications out i did not even begin working on my credit until XXXX of XXXX and have no idea what this is for nor can they tell me i have never made purchases with finger hut and they will not produce an invoice or any other proof and just keep reaffirming the debt i have asked for documentation and am being ignored by them and i want them off my credit history it is a debt i do not owe.
Consumer complaint received 2019-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OK)

My complaint is the way all three credit reporting companies ( Equifax, XXXX and XXXX ) use selective data to determine an individual 's credit worthiness. My credit score was over 800 just 3 months ago and now it is XXXX with XXXX and XXXX with Equifax.The reason it fell so drasticly is because we bought some furniture and decided to take advantage of an offer for a credit card that had 0 % interest for six months. In addition, applying for this card lowered our total purchase price on all the furniture by over {$500.00}. The card company established a " credit limit '' on the card for exactly the amount of furniture we bought which meant that when the credit reporting companies got the information, the " furniture company '' credit card was " maxed out '' at 100 % of available credit. This in turn made our total credit usage on two cards at 50 %. What the credit reporting agenciies don't look at are the consumers bank accounts ( we have about {$750000.00} in three separate savings accounts ) mortgage free property ( we own two homes debt free that are worth {$500000.00} ) and money ( {$300000.00} ) in a money market account with a stock brokerage firm. I have NEVER been delinquent on a payment. I pay my credit card ( other than the furniture card ) balance in full monthly. The credit reporting companies say the " age of my credit '' is one year. I am XXXX years old and have had stellar credit my entire life with many accounts over the years that were paid in full and then closed. 
My credit score is very important to me and I just need to have someone explain to me how I am now only a " fair '' credit risk. It seems to me the credit companies should expand their information base about an individual in my circumstances to take all the above factors into account. 
Please let me know what my options are. 
Thank you, XXXX XXXX
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

i deposited XXXX XXXX in my coinbase account ( XXXX ), they freeze my account so i cant withdraw my balance. 
i tried to contact them many times but no responding. 
they freezed it since XX/XX/2020 till now
Consumer complaint received 2023-04-07
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. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-04-07
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.