davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (TX)

I have noticed I have many instances of misinformation reported about me, either the misinformation stems from inaccurate reporting, incomplete reporting, reporting of unverifiable information, reporting of invalid information, fraudulent reporting of information or reporting of information I believe is due to identity theft.I have no knowledge of how the misinformation stemming from the above came about to be.I have not authorized misuse of my personal, financial, or any information.I have never to my recollection received any benefits of product, services, or otherwise real or imagined due to the aforementioned causative possibilities of misinformation. Please physically verify the validity of any and all notations, every date, the balances and calculations, each accounting record, whether reported or not to include required metro 2 426-character P6 statement, 5 part personal identifiers and all alpha numeric and/or alphanumeric source codes and delete/block permanently the reporting of any. XXXX is reporting me late on my Student loan ( ACCT # XXXX ) stating they have checked with the Department of Education ( without proof ) and they have confirmed that I was supposed to be late on XX/XX/2018. This is inaccurate information being reported on my credit report because when I could not pay my student loan bill, I have always asked for time to pay and I was always granted that time by DEPT OF EDUCATION/XXXX. As for XXXX, They have not provided me with how they ran their investigation. They just sent me documentation stating it was verified and so was equifax. HOW? So i went on and file a complaint with the FTC for some of the items I was not familiar with for I believe someone might have obtained my personal Information and has been destroying my credit as if I did not already have issues with these credit bureaus being passive with my financial livelihood. My next step, is to file a complaint with the Attorney General 's office if they do not remove these ERRONEOUS information off my credit report. EQUIFAX has 2 inquiries they are stating to have been investigating with this as unsatisfactory result, and I'll quote : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY FOR ACCT # XXXX XXXX, AND XXXX XXXX XXXX XXXX. I have not authorized anyone to go search for a mortgage on my behalf for I am educated and understand that my credit score isn't where it needs to be in order for me to purchase a home. AGAIN, I have never authorized any loan officer or lender to pull my credit at least to my knowledge. I am not shopping for house at this very moment or earlier either.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (SC)

I have two accounts with American Express. Both of these accounts are in a debt consolidation. I have been advised by my bank that American Express has debited my account for the past month of XX/XX/2018 in the amount more than {$500.00} on numerous days. 
I called American express, I did not authorize these charges. American Express is " looking into the matter. '' I called my bank and they put a stop payment on the latest on for {$200.00}. The rest is being investigated for fraud. 
I need American Express to be made to account for their underhanded way of conducting business. 
Thank You
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a payment following my XX/XX/XXXX due date however Capital One applied it towards my XX/XX/XXXX-XX/XX/XXXX billing cycle as opposed to correctly crediting my XX/XX/XXXX-XX/XX/XXXX cycle. 
I made a payment for XX/XX/XXXX-XX/XX/XXXX on XX/XX/XXXX. This payment satisfied the amt due for XX/XX/XXXX. I made my next payment on XX/XX/XXXX, however they applied it to the previous cycle and did not correctly apply it towards XXXX. 

At there request I am paperless. At there request, I use there App for my acct management. The App lists the due date, it makes no mention of billing cycles, no information relating to which cycle a payment will be applied. The only information I have on there App 's acct info screen is the due date. I made my payments based on that date. Based on the info they provide the customers on the App, they did not apply my payment correctly, perhaps this is intentional and warrants a UDAAP review as it likely causes many customers to fall behind and allows Capital One to earn revenue generating late charges. 

I attempted to resolve this on XX/XX/XXXX at approximately XXXX. I called the customer service department and spoke with a CS Agent. That agent put me on hold to investigate, they could not explain the posting process. After being on hold for multiple minutes, I asked for an update and received no response. That agent then disconnected from our call and hung up. I believe she knew that she wasn't confident in CapOne 's reason for how they posted. I called back and spoke with XXXX ( XXXX ). She said they " couldn't change the payment ''. I requested she take an internal complaint and advised I'd be contacting the CFPB to complain as well. 

I believe there are potential UDAAP ( App could be deceptive in due dates ), FDCPA ( Acct not updating balance/amt due correctly ), and Reg Z ( payment not applied correctly ) issues.
Consumer complaint received 2018-07-30
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. (MS)

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Consumer complaint received 2022-11-20
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. (LA)

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

Account name : XXXX XXXX, Account No : # XXXX, Account name : XXXX ; XXXX XXXX XXXX XXXX, Account NO : # 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 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

I'm participating in the Public Debt Forgiveness Program and submitted my first certification form in XX/XX/XXXX. It certified that I've been working that the XXXX XXXX XXXX XXXX, an qualifying XXXX, since XX/XX/XXXX. 

My loan was transferred from XXXX to XXXX XXXX shortly thereafter. However, my first statement from XXXX indicates that I've only made 3 qualifying payments toward the PDF program. 

Before working at this XXXX, I worked for the XXXX XXXX XXXX, and I'm working on obtaining certification of that as well. That is a total of 7-8 years of public service. My account should certainly reflect more than 3 qualifying payments.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NC)

The 6 month 0 % financing transaction of {$210.00} appears on the XX/XX/XXXX Best Buy statement same day XX/XX/XXXX of which the XXXX router was returned to Best Buy, XXXX, Ohio. There is a transaction where the credit pf {$210.00} was applied, and there is also an transaction where a 6 month 0 % financing charge for {$210.00} as created with a promotion date of XX/XX/XXXX. 

The initial charge of {$210.00} resulted in a balance of {$2.00} being left over after the {$210.00} for the XXXX router was returned. 

On XX/XX/XXXX, I made an online payment of {$990.00}. I called back on XX/XX/XXXX to speak with a customer service representative to discuss how I wanted the {$990.00} allocated on my Best Buy credit card account. Per the phone the breakdown of the {$990.00} went as follows : 1. Paid {$60.00} to minimum payment. Balance {$930.00} 2. Paid {$210.00}. XXXX for the 6 month 0 % financing for the returned item. 
3. There was a 6 month 0 % financing for {$770.00} from XX/XX/XXXX.  The {$710.00} have been applied. Leaving a balance due of XXXX. 
4. I made a payment of {$100.00} on XX/XX/XXXX. 
5. On XX/XX/XXXX, a default/adjustment of {$54.00}. 

I initially filed a XXXX complaint against Best Buy, which was later transferred to XXXX as they are the financial holder of the Best Buy credit card. I received a phone all from XXXX XXXX. 

On XX/XX/XXXX, I received an e-mail from the XXXX XXXX XXXX of New York stating XXXX asked for 14 days to reply. I agreed and to date have not received additional information. 

I did receive a letter dated XX/XX/XXXX, as a response to the initial complaint. I'd spoke with XXXX XXXX and to no avail was there an understanding of the credit and the charge of the {$210.00} of which I paid in full for an item I returned. Also, she stated I made a charge of {$190.00} XX/XX/XXXX. That purchase was a regular charge and was not a 6 month 0 % financing. 

Respectfully,
Consumer complaint received 2022-05-02
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: Bread Financial Holdings, Inc. (TX)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-11-20
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)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a closed credit card with Navy Federal Credit Union. I have been paying on my card for over two years now on time every month. The credit balance is not increasing correctly and my debt balance is not going down. I called Navy federal twice and they dismissed my complaint by saying the money is going towards the APR. It looks like they are just taking all of my money and none of the money is going towards paying the balance down. My credit score is very poor now and they keep reporting my card as not paid up or on time in which I've correctly did both. I need help in fixing this and do not know who to speak to..
Consumer complaint received 2022-01-08
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information
Consumer complaint received 2020-01-27
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. (AR)

I was informed by my banker ( for 20 years ) that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I noticed unknown, suspicious accounts. Please remove these fraudulent accounts. XXXX XXXX {$190000.00} XXXX XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} Please remove these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC (IN)

Approved for a mattress on XX/XX/18 and wanted the 90 day payoff. Called in on XX/XX/XXXX to change the payment amount for it to end on XX/XX/18. Noticed that XXXX was taking out the incorrect amount on what was supposed the final payment. Called in and spoke with XXXX XXXX senior agent who acknowledged that it was their fault that their system didnt change the payment amount and that we had to go full term which was an extra {$600.00}! XXXX, XXXX, and XXXX blamed US for not catching their error. How are you blaming the customer for an admitted error on YOUR PART. Requested {$90.00} be taken out biweekly but they were only taking out half of that amount.
Consumer complaint received 2018-07-30
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. (OR)

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. I sent this company my dispute and my identity theft report on XXXX and XXXX but to my surprise this company have not removed the fraudulent inquiries from my credit report within the 4 days as required by law. Again this inquiries are fraudulently reporting on my report, please delete asap : XXXX XXXX pulled last XX/XX/XXXX XXXX XXXX/XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX pulled last XX/XX/XXXX XXXX/ XXXX pulled last XX/XX/XXXX This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

I have enclosed a copy of my Identity Theft Report and My Previous dispute to the company.
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (AZ)

I made a payment for my XX/XX/2023 American Express bill by the due date but my payment was returned as " rejected '' even though my payment method ( checking account ) had the funds ready to be taken out. As a result of this returned payment, I was charged three fees : a returned payment fee of {$29.00}, a late fee of {$29.00}, and an interest charge of {$5.00}. I believe that American Express has been making more errors since this past year and in another instance involving this same card, American Express sent me an email stating they would be sending a new card but no card was sent until I contacted American Express multiple times to sort it out at great expense to myself.

I'm requesting American Express to remove these 3 fees and charges as the payment shouldn't have been returned and the funds for the bill were available.
Consumer complaint received 2018-07-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (VA)

On XX/XX/18, it was noted that our account had an escrow surplus. I initially reached out to the company on XX/XX/2018 to inquire what kind of steps we needed to get this check. They stated it should have been in the mail and that we needed to wait. I reached out again on XX/XX/18 because we had not received the payment, so they offered to send out another check, but it would take at least 10 business days for this to occur. According to the account, they sent another check on XX/XX/18. We received the check on XX/XX/18. I deposited it on XX/XX/18. 2 days later on XX/XX/18, it was noted that the check was returned by my banking institution. I reached out to freedom mortgage and spoke with a supervisor and was told that they could not resolve this issue at that time and that it would take time to get to the root cause of why the check was not able to be processed. I called my bank to inquire what the reason for the return was, they stated there was a stop payment placed on the check. I called back to Freedom mortgage to relay this information and asked to speak to the supervisor again, and he was conveniently unavailable, but they made a note of this discovery, along with the check number on my file.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to file a formal complaint regarding inaccurate reporting by XXXX Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XXXX and XXXX of 2023, I noticed two late payments erroneously appearing on my XXXX Credit Card account. This discovery was particularly perplexing as there was no outstanding balance on the card during that period. 

Since noticing these inaccuracies in XXXX of 2023, I have diligently contacted XXXX Credit Card 's customer service every other week to address the issue. Despite my consistent efforts and assurances from over 20 representatives that the late payment remarks would be removed, the problem persists. 

Additionally, I attempted multiple times to use XXXX Credit Card 's online system to set up recurring payments. Each time, the system indicated that the setup was saved, but the payments were never auto-processed. As a result, I had to manually log in to make payments, and there was never any balance owed. 

Despite providing updated information, including my correct email address and mailing address, the company continues to reference an old email address that I no longer have access to. Despite promises of resolution during phone calls and messages through secure channels, the late payment remarks have not been removed. 

This inaccurate reporting not only affects my credit history but also undermines my financial credibility, despite my flawless payment record across all other accounts. The inability of XXXX Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX Credit Card rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter.
Consumer complaint received 2022-05-02
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. (NE)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

On XX/XX/XXXX I started a process to remove PMI form my home loan. I filled out the lender forms and paid a fee of {$100.00}, the XXXX was completed in less than one week with a new value of roughly $ XXXX. That amount is more than enough to remove the MI. After chasing the Bank/Lender for almost 3 weeks I just paid my XX/XX/2002 with PMI included. The lender had more than ample time to remove it and they never respond to any of my emails.