davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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 constantly check my credit report and noticed that errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time time. Im demanding CFPB to enforce the corrections and or deletion of these items
Consumer complaint received 2022-12-03
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: CLGF Holdco 1, LLC (FL)

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-03-21
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. (MD)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I received an email from Synchrony Bank, with the subject Your PayPal Mastercard Statement from Synchrony Bank is Available Online stating that my statement was ready for review. I wanted to check the account balance and make changes to my monthly payments, when I clicked on the link in the email, it directed me to my PayPal account, and nowhere on that site I could find my credit card statement or account information on PayPal Cashback Mastercard issued by Synchrony bank. 
On XX/XX/2021, I called the number on the back of the card : XXXX to find out why I can not access my credit card statement and information. I was greeted with a menu and a request to enter my credit card number. It informed me of my account balance and of the payment made. I requested a live customer service agent, who could not help me and sent me to another agent who also could not help me, and that agent sent me to another who could not help me. I was going around in circles, on a loop with customer service people who could not answer my question or help me. I was then sent back to the initial menu. I called back and the same loop process began. I called and complained about not receiving a proper answer to my request, and the customer service agent hung up on me. 
On XX/XX/2021, I contacted PayPal online on its robot customer service to request access to my credit card statement and information. I talked with a chat robot which did not resolve my issue. 
My last access to my account was via Synchrony bank, in XX/XX/2021 or before that ( but I am not sure of the exact date ), when I was able to set auto-pay for the minimum payment due. 
Both Synchrony and PayPal are in direct violation of clause 14 of their CARDHOLDER AGREEMENT PAYPAL CASH MASTERCARD : " 14. Right to Receipts and Periodic Statements. You should get a receipt at the time you make a transaction with the Card. You have the right to receive an account statement showing your PayPal activity, including a record of transactions made using the Card. You may view your PayPal statement by logging into your PayPal account at https : //www.paypal.com/us/signin. ''
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ( P ) ( XXXX ) XXXX ( F ) XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due to rent and she moved out in XXXX of XXXX, with all bills paid and current. The property allowed her to pay the rent and accommodating the late payments. There was never an eviction to move. The property rescinded the eviction and did not update, that payments were paid and no eviction occurred at the property. XXXX County Court JP 5-1 ( XXXX County Justice of the Peace XXXX XXXX  XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I don't live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/XXXX. There's an amount of {$2600.00} that was already paid to the property in XXXX for past due rent. There was no eviction and there is no amount to be paid. Please contact the property and correct the court records and remove this from XXXX, XXXX Equifax, Case # XXXX XXXX County, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
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: WELLS FARGO & COMPANY (IL)

Reviewed my credit report last month and is showing Wells Fargo as reported balance of {$1400.00} with all National Credit Bureaus. I have made several attempts for validation of this alleged account. Til date I have not received any validation of this account.
Consumer complaint received 2021-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America did a credit inquiry on XX/XX/2021. I did not authorize this. I do not have an account or credit with them. I did not apply for a credit card with them. The inquiry impacted my XXXX credit score and dropped my points because of the inquiry.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I received email notice of a new checking account opened in my name Sunday, XX/XX/XXXX. I called Bank of America immediately and they couldnt help me because the fraudulent account department wasnt open on Sunday. I called again on Monday, to the number supplied ( XXXX ) waited on hold for more than 1 hour, was told they couldnt close the account, transferred to the fraud department, was told they couldnt close the account because I didnt open it, transferred me to another department, and then the call dropped. I havent been able to close the fraudulent account and no one can seem to help.
Consumer complaint received 2022-12-16
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2021 check number XXXX cleared my account in the amount {$4800.00} at USAA bank. Today I go to my account and my entire checking {$2100.00} account balance was taken to {$0.00} with an overdraft amount of an additional {$2700.00}. So I looked at the account and USAA processed a check payment again on check number XXXX in the amount of {$4800.00}. I contacted USAA and was first told that the merchant had processed the check twice and that USAA would return the check but my funds would not be returned for XXXX to XXXX business days. I contacted the merchant, who then contacted XXXX bank and no such reprocessing occurred, USAA lied. I contacted USAA and they transferred me to the XXXX resolution center. That department says a work order to reverse the damages caused was sent but it will take XXXX to XXXX business days.
Consumer complaint received 2022-07-06
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. (IN)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2022-07-06
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. (IN)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # 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
Consumer complaint received 2021-04-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: P.S.C., Inc (MT)

On XX/XX/XXXX I notified CFPB that a company Puget Sound Collections reported a judgement from XX/XX/XXXX on my credit report which is against the law as it was past 7 years, they came back very harassingly and threatening saying they bought it from XXXX XXXX XXXX XXXX XXXX so it was new, and that the judgement could be extended out another 10 years ( there is correspondence from the Washington State Attorney General attached ) Puget Sound Collections sent to XXXX XXXX XXXX XXXX as they said in the attached they can " per their discretion, and said they could report it because they bought/received in XXXX. This is not correct and they are breaking the law. 

This debt is over 8 years old, it can not be reported to credit and can not be collected XXXX see information attached ). This debt as stated was filed on XX/XX/XXXX and there is no legal recourse that the current holder of the debt can do due to the age of the debt. I received the notice dated XX/XX/XXXX from the agency that Puget Sound Collections sent it to XXXX XXXX, XXXX which took two weeks for them to send. XXXX XXXX, XXXX will cease all written communication due to the fact the age of the orginal judgement, and I am on permanent XXXX to which my income is protected. If they do not cease activity I will send copies to the Attorney General for the State of Montana and the Federal Trade Commission. 

The response from XXXX XXXX XXXX will be " we have ceased collection and closed this file in our office '' if not, it will be going to every government agency.
Consumer complaint received 2021-08-23
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. (TX)

I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. XXXX XXXX.
Consumer complaint received 2020-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I had purchased an item At XXXX XXXX XXXX  and XXXX and tried to withdraw money from XXXX XXXX and I never received the service or money and Im having problems getting my provisional credit
Consumer complaint received 2022-07-06
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. (MD)

I was alerted by my identify theft alert program, MyIDCare at XXXX, that a XXXX XXXX XXXX XXXX ( " XXXX '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in Oklahoma associated with the account. I have never done any business with XXXX I never authorized anyone to take out a loan in my name, and I have never been to Oklahoma. I contacted XXXX after receiving that notification, told them it was fraudulent, and was given a XXXX ID Fraud Reference Number of XXXX. The XXXX rep said they would mail me an affidavit to submit to XXXX to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called XXXX again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that XXXX reported this account as delinquent and it negatively affected my credit score by 104 points. XXXX has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with XXXX and that it was fraudulent.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is in violation of the Fair Credit Reporting Act. Which is section 603 ( 2 ) Exclusions. A consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ( the person citing XXXX XXXX ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 

That is two violations. I can cite more but I hope XXXX XXXX understands that they violated my rights and is a defamation of character because it is a violation of my right to privacy as well. I will attach the direct verbiage from the fair credit reporting act. I can also seek compensation up to {$1000.00} for each violation under the fair credit reporting act alongside the FDCPA.
Consumer complaint received 2022-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

I purchased my home in XX/XX/XXXX. My mortgage was with NewRez. My monthly payment was about {$2000.00} per month with a rate of 4.25 %. In XXXX, when rates dropped they contacted me to refinance. My estimated rate was 2.875 % and the estimated mo payment was {$1800.00} including the escrow. I knew I could afford this. Unfortunately for me, the loan closed in XXXX XXXX. For some reason, the school taxes due XX/XX/XXXX were not paid even though they had escrowed for this payment. As a result of the taxes not being paid on time, the school taxes were re-levied or incuded onto the town and county tax bill for XX/XX/XXXX ( plus interest and penalties ). So when they did the escrow analysis, they incorrectly figured the school re-levy as a " regular payment '' for XXXX taxes. I explained this all to them and sent them historical tax bills and copies of the current tax bills which clearly states the school taxes were re-levied. Because of the escrow " shortfall '' they more than doubled my escrow {$830.00} to {$1900.00} per month. My total mo payment is now {$2900.00} per month!! 

The escrow balance is currently {$650.00}. If we add {$1900.00} x 5 months ( XXXX ), the escrow balance in XX/XX/XXXX will be {$10000.00}. Assuming a school tax pmt of {$7000.00} ( School taxes in XX/XX/XXXX were {$6600.00} ), this leaves an escrow surplus of {$3200.00}. Divide this by 12 and that's a least a {$270.00} reduction they should be applying to my escrow payment NOW. The current monthly pmt is {$2900.00} is not sustainable long-term. My mortgage escrow needs to be adjusted.
Consumer complaint received 2024-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2024 I returned to my apartment and noticed a packet taped to the door of the outside apartment building. It was a court order to me from a credit card debt collector. It was taped on there so everyone and anyone could see my personal information. It has information that should not be shared with anyone. I have no idea who has read this and now has my private information. I do not believe this is a real court document but rather a scare tactic. Now I have to worry about who has my information and the security of my personal information. I will attach the first couple of sheets of the document. If more is need I will send it upon request but again my personal information is on it.
Consumer complaint received 2021-06-13
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: EQUIFAX, INC. (MD)

It was hard inquiries that was fraudulent & I never applied for. Equifax investigated & found out it was fraudulent activity & they said would remove it. Mailed me a conformation & showing that the items has been deleted but it never was. That's illegal, you can't send me documents explaining it's been deleted and they never deleted it.
Consumer complaint received 2022-02-04
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion constantly deletes my accounts on my credit profile. Attached is a copy of a Transunion report dated XXXX showing all my accounts. Two days ago I applied for a credit card and was denied because Transunion had deleted all my accounts showing no credit accounts and I was denied a credit card. This is a problem with Transunion keep deleting my accounts from my credit profile. This is causing unnecessary pain and anguish. I want his to stop and never happen again.
Consumer complaint received 2021-06-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please remove all unverifiable and unauthorized information off my credit report or I will have File for litigation. I have been working on this for a while and I have not been updated.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (IL)

I received an unsolicited credit card from Synchrony Financial for " XXXX XXXX '. I do n't know of any financial connection to either company. 
I opted out of all prescreened credit card offers as recently as 2013. Therefore I believe XXXX or XXXX companies are violating the law.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I made a purchase on my Best Buy credit card in XX/XX/XXXX. On XX/XX/XXXX, I received an email alert that I had a payment due in 5 days. When I called in I was told I was automatically enrolled in paperless billing and that no statements are even emailed out and I have to log into my account to see my statement. I was also informed that the normal promotional financing of 90 days no payments or interests now only applied to purchases of {$190.00} or more ( my purchase was {$190.00} before taxes ). I was never notified that the promotion had changed. 
It appears as if Citibank is fraudulently conducting themselves in order to get people to be late on their payments and collect late fees and void any promotions