davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-24
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: BARCLAYS BANK DELAWARE (CA)

I have checked my credit report today and realized I have another hard inquiry. I have not applied for any line of credit at the moment as I am working on improving my credit. The dispute is from Barclays Bank Delaware, I have not left my state in 5 years and its nowhere near Delaware.
Consumer complaint received 2024-05-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/2021 we purchased a couch at XXXX XXXX XXXX and signed up for a by now, pay later, XXXX interest if paid off by a due date installment loan. This loan was processed through Synchrony Bank. Synchrony Bank is now attempting to charge additional fees for mailing the monthly statement to my home address and stating that they can do so because they converted the installment loan to a credit card without my permission... also when I called to resolve this issue they claimed they can increase the interest rate regardless of the installment loan agreement. 

If this is a credit card why did they not provide me any plastic?
Consumer complaint received 2018-09-11
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. (OR)

In late XX/XX/XXXX I received a letter from Experian notifying me that a creditor had reported a change to my name, address, or SS #. My wife got a similar letter earlier in 2018, and it was connected with identity theft, so I was concerned. The letter stated that I could order a copy of my credit report from Experian if I wished to view the changes. 

Instead, on XX/XX/2018 I tried requesting a free annual Experian credit report through XXXX. I was told my request could not be processed online and that I should mail my request. I downloaded the appropriate Annual Credit Report Request Form from that website, filled it in completely, and mailed it that day to the address specified. 

On XX/XX/2018 I received a letter from Experian telling me they did not have enough information to process my request. The Experian letter says I need to supply a photo id and a copy of a utility, bank, or insurance bill showing my address, in addition to all the information I already supplied. 

The Experian letter says nothing at all about where to send the required information, although it does display a small post office box address at the top left of the form letter. I have no idea whether I should send the required information to the address indicated on the Experian form letter, or to the address specified at XXXX. 

On XX/XX/2018 I went to the Experian website to find someone who could clarify where to send my request. The " Contact Us ''  section of the Experian website merely refers me back to XXXX, where I started, and provides no human contact information that I can see. 

The Experian website does contain an offer to sign up for " free '' monthly credit reports from Experian. The process apparently involves four steps, which I have not pursued. Experian 's website provides significantly more and better information about how to sign up for this proprietary credit reporting service than it does about how to complete a free annual report request. 

I still have no information about what creditor reported the change and what change they reported, because I have been unable to access my free credit report. I have reached an apparent dead end.
Consumer complaint received 2018-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  On XX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Consumer complaint received 2021-07-15
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: LJ Ross Associates (MI)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-09-09
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: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX, XXXX, HAS REPRESENTED IN A LETTER THAT THIS ACCOUNT ( XXXX XXXX, XXXX XXXX ) HAS BEEN PAID IN FULL ON ALL ACCOUNTS TO INCLUDE : XXXX XXXX XXXX, AND XXXX XXXX. THESE CREDITORS ARE FALSELY REPORTING OPEN ACCOUNTS, WHEN THESE ACCOUNTS HAVE BEEN PAID IN FULL, AS EVIDENCED BY THE LETTER ATTACHED TO THESE DOCUMENTS, THAT SHOW THERE IS NO ACCOUNT OPEN. 

THESE CREDIT REPORTING AGENCIES CONTINUE TO SHOW AN OUTSTANDING AMOUNT ON MY CREDIT FOR A DEBT THAT IS PAID IN FULL. AS EVIDENCED BY THE SATISFACTION LETTER SHOWING OTHERWISE.
Consumer complaint received 2019-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER REMOVING THE LATE PAYMENTS FOR I HAVE BEEN A CLIENT THAT STRIVES TO MAINTAIN AN EXCELLENT STATUS.
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP (NV)

In July/XX/XX/2018 I requested a balance transfer of XXXX to XXXX XXXX. It was never processed. However, they keep charging the {$450.00} plus interest. XXXX XXXX purchased my account after the transaction and has been very uncooperative refusing to verify if the {$450.00} check has been cashed. Still charging me the {$450.00} plus interest
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Performance Management, LLC (FL)

XXXX XXXX service : After using a two year service contract for two years and three months, I turned in my two TV signal receiver control boxes and my two hand controllers to the XXXX, Florida XXXX Store- XXXX XXXX XXXX - XXXX XXXX XXXX, Authorized XXXX   Retailer. My account was paid in full, through my XXXX XXXX XXXX direct pay account. After moving to a new location in Florida, I continue to receive billing from XXXX. Up to the amount of {$710.00}. I do not owe the XXXX  any additional money and they will not stop sending statements. We had to have a XXXX  technician come to our house, when the service was quite new, because the picture and auto was very poor in quality. He changed the two TV receiver signal boxes and stated they are the new style and they would or will improve the sound and picture quality. Through out this additional billing situation, someone from XXXX stated they think, by changing the two boxes increased the contract by another year. I would not have ever agreed to that procedure, if that was the case at that time. That technical service call was to repair and increase TV signal and poor service. The two year contract should have been the only contract in agreement.
Consumer complaint received 2019-09-09
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAB Receivables, Inc. (CA)

I had a student loan back in the 1980 's however I was hit by a vehicle which left me permanently XXXX no longer can work and the loan was discharged, however this credit collections agency keeps taking XXXX per month from my social security check witch leaves me short every month, this needs to stop.
Consumer complaint received 2018-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC (OR)

XXXX XXXX (? ) from XXXX XXXX XXXX. called my wife 's phone asking for me. He wanted to verify my social and DOB without telling me who he was calling on behalf of. Gave ma a call back number and was very rude. I told him I would not verify information, but if he told me what company i supposedly owed, I would contact them directly. 

I called them back from my phone and they knew who I was as soon as they answered and told them to validate the debt and send paperwork to my address since they know so much about me. Said they could not send anything without verifying my identity first. 

Asked for a business address and they gave me an address in XXXX, SC and was calling from a local phone number in XXXX, Or. 

I do not plan on responding until they validate the debt.
Consumer complaint received 2024-05-23
Product: Credit 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: AMERICAN EXPRESS COMPANY (ND)

I purchased a DBO account with XXXX XXXX for {$490.00}. I never received the card or the service that was supposed to be provided. This was in XX/XX/XXXX. The company went out of business in XX/XX/XXXX, never providing services and the phone numbers are not in service. I submitted a dispute with American Express and was told it was greater than 60 days since purchase to contact the company. I told them I can't. They won't do anything further.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights 1.XXXX Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX 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 2.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 3.Account Name : XXXX  XXXX Account Number : ending in XXXX 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 4.Account Name : XXXX XXXX  Account Number : ending in XXXX 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 instruction 5.Account Name : XXXX  Account Number : XXXX 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 2020-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (NJ)

Dear CFPB, I, XXXX XXXX am writing you today as an aggrieved man. I applied for a checking account with WELLS FARGO and I was denied. I was not given any reason why. I do not know if I am being discriminated against or not. I was not even offered a WELLS FARGO opportunity or second chance account, which I would be willing to open. I find this to be very disheartening. Especially after the scandal plaguing WELLS FARGO with them unlawfully opening accounts in peoples names in secret.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

I have been in contact with my lender Loan Depot regarding a payoff/ Reinstatement and have been refused this info. I was told they cant provide me estimated figures and Loan Depot also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Loan Depot as well as the foreclosing attorney/trustee XXXX XXXX. I stated to Loan Depot what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Loan Depot that they do not even want to see the approval. They do not care. I have spoken to countless reps within Loan Depots institution, including supervisors, and no one has done anything to assist me. ( supervisor Mr. XXXX, XXXX, Mrs. XXXX id XXXX, etc ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Loan Depot is discriminating against me based on my race, ethnicity, sex, national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I finally sent my info to the attorneys office to see if there is any way they can assist me with keeping my home since I have the proof that I am being given a new loan to pay off the delinquent one and get a fresh start.
Consumer complaint received 2019-01-15
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. (NY)

In XXXX my mother passed away. I inherited the family home. My mother had a mortgage from XXXX which was serviced by XXXX XXXX XXXX XXXX under account # XXXX. She was the sole owner of the home and was the sole borrower on the loan. After my mother passed there was a period when the loan was not being serviced as the estate was in probate and neither the property nor the loan were in my name. It took a long time for a loan modification to get approved. XXXX rejected our attempts to modify the loan so that I would become the borrower and the deed would pass to my name. We finally got XXXX to agree to a modification of the loan which became effective XX/XX/XXXX. From that point on I have faithfully paid the mortgage on time, every time as it has only now become my responsibility. 

In XX/XX/XXXX I applied for a refinance on the property. Taking everything into account I did not anticipate a problem. I have always had good credit, always paid my bills on time and have also always paid the loan on my co-op and my car on time. My mortgage was denied due to the reporting from XXXX which stated that my payment history went back to XXXX and had 32 late payments reported, many over 150 days. Clearly this goes back 4 years prior to my ownership of the deed and the loan and clearly is not my payment history. I discussed this with my mortgage rep and was advised to contact the Bank ( XXXX ) and the credit reporting agencies. XXXX has consistently refused to change their reporting and still shows me as maintaining a delinquent mortgage payment history. 2 of the 3 major agencies have agreed with me and are no longer reporting my mother 's delinquent history as mine. Experian has not done so and seems to be unwilling to deviate from the information provided by XXXX. This is the sole block in my path to being able to refinance. What can the CFPB do to get this lender to truthfully report that my mother 's mortgage payment history is not mine and has never been mine? I have a letter from XXXX claiming that they are correctly reporting the history on that account number. However it is equally very clear from the evidence presented, and the exact dates of ownership of the loan, that the payment history since the loan came into my name has been nothing but exemplary! Please help me!
Consumer complaint received 2022-08-17
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. (LA)

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to Experian, XXXX, and XXXX. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

i had a credit card with Cabelas. They change who services their cards to Capitol One. It was at the time of the change of providers my credit information was breached. Cabelas and Capital One are responsible for this breach. this has caused me to be inconvenienced by spending hours talking with Cap One, sending emails to the CFPB, overnighting the payment for the charges i owed, talking to the bank and social security. I have had to spend money on fraud protection and freeze my credit. My credit score has gone down because Cap One has sent me two new credit cards. one of which i never received. Have other people been affected during this change of providers? 

I also received an email from Social Security telling me someone tried to change the password on my social security account!
Consumer complaint received 2018-12-21
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. (MD)

i am XXXX years old - retired XXXX XXXX - i started obtaining credit back when i was XXXX years old when i bought my first car on credit - during my years, i have established tons of credit accounts including 5 mortgages - 7 car loans and numerous credit card and other credit accounts. however, i have complained to transunion that their way of calculating length of one 's credit is not correct and they report me as having 1 year of credit to my name - this is so obviously wrong - i have had credit in my name for 45 years - my wife divorced me two years ago and i had to close my accounts and open them again without her on them - this is what transunion is claiming is the first time that i have ever had credit and reports my credit life has only been one year - it is hurting my credit score and hurting me from obtaining a good mortgage for the purchase of a mobile home in floida - the only place i am now able to afford to retire to. please have transunion to correct my length of credit information as it does not correctly represent the true time i have had credit in my name. in addition - i challenged 7 hard credit inquiries months ago and they never researched/ responded back to me on the results of the investigation they were to perform. my credit score i XXXX - and everything else on my credit report demonstrates that i am an excellent credit risk - no negative accounts - 100 % payments on time - excellent amount of credit used vs available etc .... i have worked very hard on my credit and these two issues are the only negative information on my file.