davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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: SYNCHRONY FINANCIAL (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX XXXXXXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX  XXXX .... Balance : {$5300.00}
Consumer complaint received 2021-05-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  received {$8000.00} refund from my homeowners insurance did not notify me did not write me text me call me I had to call my insurance company and find out that the check was sent to XXXX XXXX and it was Cash on XX/XX/XXXX until this day I have still not received a letter stating that they had this money I had to call them and they open a escrow to figure out and to adjust my payment I told this company that I wouldn't pay them and it had 10 days to submit the escrow reassessment which would be the XXXX and before the XXXX they have put me in a credit bureau it's 30 days late and has also stole my money because they have not applied it to my mortgage to reduce my mortgage
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AP)

on XXXX XX/XX/year> I was offered a what seem to be a reasonable job opportunity from a spouse on our military  XXXX page and proceeded to ask about details and job description and they had sent me a link to talk to a potential hiring manager for a company called XXXX a man named XXXX XXXX he proceeded to talk to me about the job description requirements and what I would potentially be doing for the company and proceeded to ask for basic information of myself as part of the hiring process sent me a questionnaire of the job that looked like what they wanted the requirements I believe I as they had asked for a copy of my drivers license and social security number to verify my identification using ID XXXX as well as my banking information and told me that I was to send them an amount of {$650.00} to XXXX separate XXXX accounts to a XXXX XXXX ( email XXXX ) and a XXXX XXXX phone number XXXX in order to start the payroll process and get a G.I. tracker in payroll as an employee and once the money was sent, I have not heard anything back and was blocked from the lady herself on what was going on and what happened and the person XXXX has also yet to respond to me about the money he has taken for me and I believe I was scammed along with my identity being potentially stolen for their use.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OK)

XXXX XXXX XXXX I am filing this complaint after receiving a XX/XX/XXXX mailed response from Counsel for Nationstar Mortgage LLC that addressed XXXX XXXX and XXXX XXXX complaint and left these above valid complaints unresponded to by outside counsel as XXXX XXXX claimed would happen by XX/XX/XXXX and did not, as well as stating wholly false information as a response. 
Please see my objection and reply to the XX/XX/XXXX response to the XXXX XXXX and XXXX XXXX complaint as a wholly false response, proven by the attached XXXX Invalid agreement that superseded the invalid XXXX Agreement. Neither are confidential, and Nationstar owes me a remaining refund of {$6000.00} not damages as claimed by this Counsel in relation to the general damages payment of {$5000.00} paid without disclosure of the remaining refund of sales proceeds, without any explanation of an inaccurate payment allocation of {$11000.00} and whether or not it has been accurately allocated and without any explanation as to why the Company reported to three credit bureaus that XXXX XXXX XXXX XXXX underpaid their company in the specific amount of {$170000.00} between XX/XX/XXXX and XX/XX/XXXX and without any explanation as to where this false information in my credit files came from within the mortgage file for loan XXXX. 
I am seeking permission from the Court to receive my refund and damages caused by Nationstars actions between XXXX and XXXX, as attached, with a hearing date set for XX/XX/XXXX at XXXXXXXX XXXX, to which no proof of services has been yet produced for the amount in lines XXXX still held and retained by Nationstar in an open suspense account 8 years after accepting the payoff demand to which was by law, the mortgage and Nationstars servicer guidelines this account was to be closed out and amounts refunded to me within 20 days and it was not, nor were any services performed to cause the initial collection of the funds in the first place.
Consumer complaint received 2019-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (WA)

I need the transaction history records for my Fidelity Visa credit card going back five years from now ( i.e., to XXXX, XXXX ). This credit card is currently controlled by Elan Financial Services who took control of the card from XXXX  XXXX XXXX in XXXX, XXXX. Elan has provided me with my transaction records going back to XXXX. Elan has repeatedly told me by phone and by the attached fax that they can not provide me with records prior to XXXX, XXXX. Elan suggested that I get the records from XXXX XXXX  XXXX ; however, XXXX   XXXX XXXX has repeatedly told me by phone that these records were given to Elan Financial Services when they took over the card. Does changing control of a credit card from one company to another render prior transaction history inaccessible to customers?
Consumer complaint received 2021-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

Citibank suddenly suspended my account. I have no issue with it. 

But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. 

I called the CS many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the internal department to decide. Such poor internal communication and Wasted my time. 

Please be professional and send me the remaining balance by bank cheque ASAP. Thanks.
Consumer complaint received 2022-04-09
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 

XXXX XXXX : # XXXX, US Dept Of EDXXXX : # XXXX, US Dept Of EDXXXX : # 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 : # XXXX, XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-04-09
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: ADIR INTERNATIONAL LLC (CA)

XX/XX/2014 i was in custody for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX XXXXXXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time
Consumer complaint received 2022-04-09
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: TRUIST FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-07-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (CA)

Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX
Consumer complaint received 2022-03-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

on XX/XX/XXXX Called to inquire about XXXX NSF fees. Customer service stated the fees would be reimbursed, unable to process there transferred to a different department where I waited on hold for a total of XXXX hour XXXX minutes. Then the line simply disconnected. 

2nd attempt -placed on hold XXXX hour XXXX minutes 3rd attempt- placed on hold XXXX hours XXXX minutes Then the line simply disconnected. 

LINE/CALL SIMPLY DISCONNECTS!!!!
Consumer complaint received 2021-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently concluded a transaction dispute through Bank of America credit card 's dispute process, involving an online guitar purchase, which I discovered, upon receipt, was not as described. It turned out to be a B-stock guitar, which reduces it's value considerably, and also had a number of defects. I spoke to the merchant, requested a partial refund and he indicated he would only refund my money if I returned the guitar at my own expense, or he would reimburse me {$50.00}. Shipping a guitar is very expensive and {$50.00} is far less than the diminution in value so his proposal was unreasonable. 

After Bank of America denied the claim, I spoke to a supervisor who first indicated that as I had replaced the old, corroded strings with new strings before making the claim, I had " altered the guitar. '' According to the supervisor therefore, Federal guidelines prohibited a charge back. I requested a citation to the guidelines and then the supervisor claimed that it was not, in fact, Federal guidelines, but Visa guidelines which prohibited them from authorizing a chargeback. I have reviewed Visa 's guidelines online ( as best as I could find them ) and see no reference to any such rule. But more importantly, the guitar was not altered in any substantive way. The old strings, which hold none of the value of the guitar, were simply replaced with brand new strings. 

I am attaching all of the documents I sent to BofA, in order to assist them with their determination.
Consumer complaint received 2023-07-06
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. (FL)

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.
Consumer complaint received 2022-04-09
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. (CA)

A incorrect error was placed on my XXXX, XXXX, and Transunion credit report that is saying I owe the XXXX company called XXXX as back in 2015, A title loan from XXXX XXXX XXXX, XXXX XXXX XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of XXXX via XXXX mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my XXXX information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as XXXX, XXXX, a nd TransUnion said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

It is important to emphasize that this complaint is not an oversight, but a genuine concern regarding the presence of false and unreliable information on my credit report. The inaccuracies present have led to undue stress, and I am experiencing adverse effects as a result.
Consumer complaint received 2022-04-09
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. (CA)

A incorrect error was placed on my Experian, XXXX, and XXXX credit report that is saying I owe the XXXX  company called XXXX as back in 2015, A title loan from XXXX  XXXX XXXX, XXXX d/b/a XXXX as saying I owe {$22000.00} which they fraudulently and vindictively lied about the actuall amount. I had filed a validated but was told the amount borrowed by XXXX was actually {$2900.00}. XXXX was sent a few years ago a Validation of Debt via Certified mail which they ignored and never responded to my request. They were sued already by the State of CA California Financial Code XXXX. Loan was had illegally accessed my DMV information without permission that they had no authroization to do. XXXX fails to respond to my dispute letters and to correct information as they credit bureaus such as Experian, XXXX, a nd XXXX said they dont have to investigate or show proof of the false information that is being given by this fraudulent and deceptive company named XXXX XXXX This company knows that their information is inaccurate and I've received a letter a few months ago that it will be removed from my credit reports and it still is showing this false information. The bureaus were told to investigate per FTC and they said they don't have to do anything.
Consumer complaint received 2022-04-09
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: DISCOVER BANK (OR)

I am a victim of identity theft and i reported the theft immediately after learning of the theft. 
Through CFPB i have requested to the Creditor to provide me a copy of the application that was used to open the fraudulent account ( FCRA 609 ( e ).

Thus far the Creditor has denied my Rights under FCRA 609 ( e ).

I do know for sure that some of the information on the application that was used to open the fraudulent account is inaccurate to my identity. ( 1 ) The email that was provided on the application is NOT my email and never has been.

( 2 ) The phone number provided on the application is NOT my phone number and never has been. ( 3 ) The employer information submitted on the application is NOT correct because i have been XXXX since 2007 and on XXXX, no employment.
Consumer complaint received 2021-05-13
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. (TN)

Equifax ; XXXX and XXXX should not be reporting each inquiry listed as a separate line item on my credit report. ( Please see page attached. I have also attached a copy of my Drivers license and SSN for identification purposes. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian just notified me that they are still working onthe issue on this complaint however they closed 2 complaints this morning which are identical to this one. Experian resolves nothing and continues to try and XXXX  money from me to get my correct scores, THIS IS CRIMINAL
Consumer complaint received 2023-07-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Back in XXXX I booked a trip through XXXX airline I had caught XXXX couldn't make the flight XXXX said I was a no show and took the money out of my account I gave my bank which is capital one documents from the XXXX representative stating it was over 30 days therefore nothing that they can do on they end capital one received that document as well as a discharge from the hospital when I was admitted due to XXXX they are refusing to give me my money back and keeps wanting me to reach out to XXXX where it's been 90 plus days since the booking XXXX no longer can assist me capital one has documents stating what I'm saying is true and they have yet to return my money back to account which is over 300 for a flight I never got on.
Consumer complaint received 2022-04-09
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: Law Offices of Robert J. Colclough, III (CA)

XX/XX/2014 i was in XXXX  for a few days at the time this account had been opened, i spoken with the creditor and debt collectors along side with XXXX, XXXX and FTC. I'm dealing with different kinds of stolen identity issues and this is one of them i have not had the chance to verify my identity until i had spoken to the IRS regarding other issues including this one. i have followed the right steps, credit freeze etc. 




this document is my past of XXXX time