davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (NV)

they are incorrectly reporting 29 days late as 30 days late.. this is in direct violation of FCRA act, 15 U.S.C 1681 This company is reporting me a 30 day late even though they had payment on day 30th. you can not make up your own rules reporting 30 days late when you are 29 days late. 29 is not 30 ... it is impossible for them to report 30 days late when they have payment on day 30.

30 days late means at least 30 full days late, not 29 days late ... ..that 's not how credit reporting work... ..you can not report 30 days late on day 29, it has to be full 30 days.

the law is very clear ... .if they do not correct this issue immediately, I will be suing XXXX in small claims court. 

it has to be full 30 days late before they can report a 30 days late, not 29 days as their letter states. see attached.
Consumer complaint received 2022-04-28
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. (NC)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim to identity theft, as I dig d not approve any information to be used in my name. I am requesting that the fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Theft Affidavit in regard to this incident. I have listed the additional fraudulent accounts below : XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$170.00} XXXX XXXX XXXX : Account # : XXXX XX/XX/XXXX, Amount : {$2700.00}
Consumer complaint received 2021-04-16
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: JPMORGAN CHASE & CO. (CA)

I was checking my credit on XXXX website when it said that my Chase account could not be accessed. I clicked and after seeing that the figures on the screen changed dramatically, I realized that I had linked my checking account or shared my data with XXXX which is something I did not wish to do. 

So I tried to unlink it and was unable. 

An email from XXXX  would redirect me to Chase and instructions on how to unlink, the third  option after clicking on profile and settings was visit XXXX page. Problem is theres no such XXXX page and no way to unlink. 

I spent time trying to figure it out and called Chase where I waited on the phone for about half an hour. Then, waited to talk to a supervisor because the first advisor wanted to have me call the Chase fraud department, which would have screwed up all my accounts and send me down a huge rabbit hole. 

But this is not fraud exactly but a trick to access your data under a phony pretext  and then not be able to unlink XXXX from your bank account. 

The Chase supervisor XXXX also knew nothing about this gimmick and/or the lack of an XXXX page to unlink and called it credit journey. 

But nowhere on the page did it say credit journey. I just wished to unlink XXXX to my personal data. 

This was accomplished through another means not the prescribed bankXXXX method. 

Its obvious the bank and XXXX are in XXXX XXXX XXXX you into sharing your private information without any options. 

Although I was finally able to unlink, it took me an hour and I have also filed a complaint case # XXXX To what end I dont know. Its all rigged. Is it any wonder Americans are upset n I realize that the CFPB is not empowered to do anything at all about anything except take the banks money in political contributions, but this is so transparently a SCAM. Its my responsibility to go on record reporting it.
Consumer complaint received 2023-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AR)

US Bank blocked the use of my account because its a new account, and inconsistences with my address, phone number, and the county I live in. All of which was created by US Bank, and their own doings. I spoken to the fraud department, and the manager refused to let me use my card. I was told to wait for a phone call at their convivence, because calling back will not unblock my account. I'm at mercy of their managers, and whoever is doing the account review. Mind you, I have a life and job. 

I applied for this card for the sole purpose of it earning 6 % cash back at XXXX. I went to use my card at XXXX on XX/XX/2023, it was declined. I spoken to XXXX from the fraud department that day, he told me everything will be good to go in 5 minutes. I went to use my card again on XX/XX/2023 at XXXX, again it was declined. I spoken to XXXX ( I forgot her exact name ), and she was not helpful. She can't do anything, and her manager wouldn't let me use my card. 

I logon to my US Bank online account management during the application for a faster application process, and my address it populated, the system refuse to accept. US Bank online application system wouldn't accept my address they have on file, so I have to change the format in order get thru the application process. I did not change the phone number on my account, it was the old work number they have on file. The county I live in is XXXX XXXX, but I guess they want me to lie and say I live in XXXX XXXX, because according to their system that's the the answer they were looking for. 

I will also be losing {$90.00} in cash rewards because I can't use my card, and Q1 6 % bonus ends in about a week.
Consumer complaint received 2023-04-09
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: EQUIFAX, INC. (GA)

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ).

The first inconsistency is the account type detail listed by Equifax
. While XXXX and XXXX indicate that the account type is a charge account, Equifax leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by Equifax, which is {$650.00}, while both XXXX and XXXX report a high credit of {$0.00}. T

his inconsistency also violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that credit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.
Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CreditNinja Lending, LLC (TX)

CreditNinja is an appropriate title for this company being that they will sneak their way into your wallet and ninja your money right out from under you. I took a {$300.00} loan at a {$75.00} premium and it was deposited into my account on Tuesday, XX/XX/XXXX. Not only did I think I agreed to a 3 month term, they disguised it ( sneaky as ninjas are and all ) and it is really a payday loan and due in full on XX/XX/XXXX. I attempted to call today, XX/XX/XXXX and pay down {$100.00}. They will not take any payments, only an extension of the loan by paying down the premium on top of which they will charge you another. HOW US THIS NOT REGULATED. How can a lender not accept an attempt by a debtor to pay them back, AND AHEAD OF SCHEDULE. This is fraudulent. Period. Thank you " official '' regulatory body for failing the US people as I sit in XXXX degree weather in XXXX Texas with no power because our " officials '' failed us there too. Good job, greed from every direction from the top down.
Consumer complaint received 2022-01-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Village Capital & Investment LLC (IN)

Village capital attempted at least 4 times to defraud me on a VA montage refinance they were violating the closing costs established by the department of veterans affairs, the origination fee established by the department of veterans affairs and charging me excessive fee for a point I shouldn't have had to pay for at all they attempted to finance my escrow into the loan or make me use it to pay down the loan they delayed closing due to incorrect information on the paperwork which was adding more interest I would be required to pay that is fraud and deliberate Village capital uses deceptive tactics against veterans the lender bragged about using the tactics against the consumers to me the lender was told by me the loan would be refinanced be another lender he then called me after I sent email to cancel refinance and was bullying me saying I would not found a lender better then him saying rates went up denying deceptive lending tactics the whole time on the phone his assistant didn't even pay attention to anything I told her or my financial institution told her regarding pay off amount by asking for 30 day payoff the lender was trying to force me to default on the loan and continue the delay causing more interest to build up they targeted me based on XXXX as I'm a XXXX veteran and that is my income even though I repeatedly told them I would provide all closing costs out of pocket not they the loan they village capital uses bullying and deceptive tactics to trick consumers into playing a higher loan amount and into accepting it thru fraud i informed them they wouldn't make the correct changes sent me incorrect paperwork 3 times and still incorrect over the phone they don't intend to correct they intend to defraud and they targeted protected classes of people who have federal protections
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX and XXXX XXXX XXXX were opened without my consent in XXXX. I have filed a police report and an ftc report abd submitted them both to the creditors in XX/XX/XXXX, and XX/XX/XXXX. I have also been disputing these accounts since XXXX however they continue to be " verified '' I have requested proof of ownership, original agreements and login information, however I have not received any of that information.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Dear CFPB, XXXX reporting that someone have opened a Bank of America Cards on my name, last year ( XX/XX/2022 ) and have spent more than {$16000.00}. I came to know when I started getting few mails and calls, and when I checked on XXXX Credit Bureau. I also found 2 Fradulent Address as below, showing up on my XXXX XXXX XXXX reports, where I have never stayed or know. I have called Bank of America and they said they will close this account. 

The 2 Fradulent account showing up on my reports are : Address # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and Address # XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I kindly request the Bureau to do the needful, so I am not liable for this charges and my Credit History and Score stays clean. 

I can't thanks enough for your help. 
Sincerely.
Consumer complaint received 2022-12-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed many times both online & writing that the delinquent payments during 2020  with XXXX XXXX XXXX were made under the 2020 " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of XXXX. 

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020 on my XXXX XXXX XXXX  Account! 
This is XXXX and XXXX. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have XXXX payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all XXXX credit bureaus without correction to my file. 
I have even contacted the CEO of XXXX XXXX XXXX XXXX XXXX Chief Executive Officer XXXX XXXX  XXXX XXXX XXXX XXXX XXXX & Customer Experience Officer, of XXXX XXXX, and XXXX XXXX XXXX Executive Director, Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX. 
Still, TransUnion refuses to remove these negative/late payment remarks for 2020.
Consumer complaint received 2019-07-11
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: EQUIFAX, INC. (NM)

On XX/XX/2019 I sent a dispute to equifax stating a violation of my HIPPA rights by XXXX XXXX of which I asked for validation of debt of which they return with statements showing the procedures allegedly in dispute but without a HIPPA release form with my signature on it authorizing the release of my medical records, For this I sent Equifax proof of such violation of which I will attach with this claim. Equifax FAIL to investigate claiming that account was verified when VERIFICATION was not on dispute but rather a VIOLATION of my rights, attached I am sending proof of violation, proof of dispute with equifax, results from equifax investigation. ->.. XXXX XXXX Acct # XXXX XXXX {$120.00}
Consumer complaint received 2022-10-14
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)

On XX/XX/2022, I first sent a letter regarding inaccurate and unknown things on my credit report, and on XX/XX/XXXX I sent a follow-up letter regarding the same inaccurate reports, to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report, and seeing as how it has been over 60 days they should be removed. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I called citibank several times to get an update on XXXX wire transfers that were fraudulently sent from my account. A scammer got a hold of my citibank information and had completely wiped my account. I called XXXX wire transfer department 6 times to get a hold of a supervisor to get a update on my account because a case was opened and I had filed a police report with my local sheriff 's department and also with the FBI. On XX/XX/2021 XXXX wires were sent in the amount of {$1500.00} and another for {$1900.00}. I disputed them and told them I did not give my password or ID to the scammer to get my information. They sent XXXX wires to a XXXX XXXX XXXX bank account. I tried several times to call with long wait times of over an hour long, then it would tell me the department was close and to call back and it would hang up on me. The department was open until XXXX XXXX XXXX so it was a XXXX hour difference for me but I always called in the morning and early afternoon to ensure I could get a hold of them. This is my last resort. I am incredibly angry and frustrated with this bank who has been nothing but a pain. I called citibank several times and XXXX person even refused to get me a supervisor when I asked. I have been banking with them for several years and this is how I am treated. The service of citibank has gotten very bad that it is forcing me to leave citibank and seek out another bank. 

On XX/XX/2021 I went to a local branch and I was forced to open another new account with citibank since this one was compromised. but then I had to close it because the citibank branch was demanding a utility bill such as a water and sewage bill or an electric bill to verify an address. I don't use my home address do to mail issues at my home either with wrong mail coming to my home or someone stealing it. So I usually use a XXXX XXXX and they stated I can't use it to verify. So I stated all I have is a cable bill that has both addresses on it. They stated that it was not sufficient and could not use it cause it was not on their " list '' of approved documents. So I was told that my new account would be blocked by the end of the day due to not having a document from their approved list. I was so angry and was forced to go back to the bank and withdraw them money and close my new account.
Consumer complaint received 2019-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (AZ)

On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping. 

In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop. 

On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018. 

During fourteen months, I received {$14000.00} of VA Disability.  Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank. 

At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.
Consumer complaint received 2019-10-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (CA)

I submitted dispute of {$1.00} on XXXX for that I was unfairly charged " Processing Fee '' by the " XXXX XXXX '' company without my knowledge. I did not authorize " Processing Fee '' and it was not disclosed when I made the transaction. I attempt to make several contact with vendor but I couldn't connect with any one on their phone system. I received Email fro
m BHN Support asking for document showing attempts to workout with the vendor. In the same Email BHN also mentioned that they are going to close my case if I don't provide the document within one week. I provided the document within the time frame on XX/XX/XXXX. 

However, there is no response nor update from BHN support. I sent follow up Email on XX/XX/XXXX and still receive no response as today XX/XX/XXXX.
Consumer complaint received 2019-10-13
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. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.