davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 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 an 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 2017-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have on several occasions requested my Annual Free Credit Report from TransUnion. The request was made twice in writing and twice on the telephone. In the last letter I received, dated XXXX/XXXX/XXXX, they stated Our records show that TransUnion has provided you with the file disclosure ( s ) you were eligible to receive free of charge within the past twelve-month period. I have not received a copy of my report in the last XXXX years. What I do received from TransUnion is a weekly email soliciting membership, which includes credit report information for a fee.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (OH)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

PLAZA HOME MORTGAGE, INC Property Value {$370000.00} ( Condo ) RE : Request for review of Escrow Analysis. 

Exhibit 1 ( attached ) - Erroneous Escrow Analysis In this analysis, they are charging us with {$14000.00} as the county tax considering that XXXX XXXX is sending us copies of our annual property tax bill of {$3300.00}. Upon checking on our escrow account, we found out that they are also charging us for XXXX XXXX XXXX ( Exhibit 2 ) with different owner. Our property is in XXXX XXXX XXXX. 

Upon the receipt of the said escrow analysis, we immediately contacted them ( XXXX XXXX ) for a review of the analysis via emails and letters. 

We received an email from them telling us the process will take 10-15 days. 

It's been going on already for more than one month already not mentioning the calls to their customer service every week asking for update but sad to say as of this date there is still no update. 

Because of this, originally we are paying monthly mortgage amount of {$2000.00} and now they are charging us {$3500.00} monthly mortgage starting XX/XX/XXXX because of this erroneous XXXX tax. 

Since we dispute their tax calculation we paid only the usual monthly mortgage amount of {$2000.00} while waiting for their review. 

Not only that, they send us XXXX mortgage statement amounting to {$7100.00} and stating that we are already delinquent. 

This did not happen if only they acted upon this matter immediately. 

This bothers us emotionally and psychologically thinking that this will ruin also our credit score and we are not prepared financially. 

Hope with your help we will get a response to our request.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCC Business Services, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX DATE REPORTED XX/2017 AMOUNT : XXXX ACCOUNT : XXXX The account balance is incorrect, please delete. 

THIS DEBT WAS HANDLED IN COURT
Consumer complaint received 2021-03-25
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: SYNCHRONY FINANCIAL (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

The account that I am disputing is ( XXXXXXXX XXXX  ) I have disputed this account on several occasions, and I have been told that this account has been verified! I sent in a letter from the courts that this account was dismissed, and they are still reporting this account on my consumer report. This account is outside of the statute of limitations for me sued, and therefore I want this deleted from my report.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MO)

On XX/XX/2021 my chime account was closed. I was told it went against the international policy. On XX/XX/2021 I was told from the escalation team that they would process my check in 14 business days after any pending transactions cleared I just had to verify my address. Then on the night of XX/XX/2021 they emailed me a tracking number. On XX/XX/2021 I checked the tracking and seen that the check was getting delivered to another state and address that I did not verify. I contacted Chime support and XXXX. XXXX told me that they specifically got the address they sent the check to from Chime and the settings was set to where the address could not be changed. A chime representative accused me of changing the address. Then they blamed it on XXXX saying it must have been a problem on their end. Chime offered to cancel the check and send out a new one that would again take 7-10 business days to be shipped out. On XX/XX/2021 I got another email from chime saying that my account was closing when it should have already been closed. So I contacted them about the check and they are saying that they have no information about the check however they can offer a new check but to a different address since all attempts to my address has failed. However they are requiring that I show a picture of hmmm my ID and a picture of my full social security card. Considering of all the sketchy stuff from this company I am not comfortable with sending them a picture of my full social security card.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a Capital One Mastercard with 0 % APR for purchases through XX/XX/XXXX. Since Capital One ( unlike other banks ) doesn't indicate on monthly statements when the 0 % expires, I called them almost monthly to make sure that my recollection was correct, and every time they confirmed the date. I called them about two weeks ago and gave them authorization to take the balance from my checking account on the expiration date on 0 % APR. They set it up for XX/XX/XXXX of XXXX. I called again a few days before XX/XX/XXXX and spoke with a supervisor to see if XX/XX/XXXX is cutting it too close and if so, move up the debiting of my bank account. She indicated that the date was correct for payment if I didn't want to pay interest. They did take the balance from my bank account on XX/XX/XXXX. They also charged me XXXX XXXX interest. I called in and spoke with a supervisor who upon checking the original offer confirmed that the interest charge was erroneous and " escalated '' and requested the adjustment of the interest to {$0.00}. No adjustment has been done yet. 
Every time I called Capital One, at the beginning the recording says that this call is being recorded. I encouraged the supervisor to listen to my many calls to confirm the XX/XX/XXXX date. I believe that Capital One purposefully is not putting the 0 % expiration date on statements ( like other banks do ) to be able to pull this kind of thing on customers. Why is it that all along they say a consistent date and at the end they move the date? A note to Capital One : Listen to the call recordings and hear it for yourself. I could have paid this off earlier if I had been given an earlier date. 
Thank you XXXX XXXX Card ending in XXXX
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/year> I made a payment of {$370.00} on my Capital One Quicksilver card. To my surprise, I got a notification of fraud and that my card was restricted. I called and the representative sent a verification to the Capital One app to verify my identity and then said they needed to call my bank to verify it was me making the payment. I asked for a supervisor. I told her I was not going to be doing a XXXX way call with my bank because : that is a breach of my security having them on the line while I verify my information with my bank, it is Sunday and they're closed, and I am not able to call during normal business hours because I work and Im not spending my lunch hour doing that. A manager came on the line and I told him I felt like I was in the Twilight Zone. I asked him what was it about my payment that caused it to be flagged for fraud. He couldn't tell me. This isn't the first time I have made a payment with this checking account. The Fraud Manager couldn't help me. Everything is read from a script and they aren't able to think and troubleshoot a problem. I told him Capital One needed to do whatever they needed to but I would not be calling my bank with them. He told me if that wasn't done then the card would stay restricted. This left me no other choice but to close my accounts. The manager couldn't care less Capital One was losing a customer with two products. He also told me I couldn't speak with an escalations team. I was going to open a CD with this bank too. I'm glad I didn't. Not only is this situation frustrating, but having to close my accounts also hurts my credit score. I should not be forced to make a XXXX way call to my bank to make a payment on my credit card. I shouldn't be forced to do that to keep my account active. This is a very very bad practice and Capital One 's Fraud department needs to be audited.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION (FL)

Checked my credit report and Vystar Credit Union has put two tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a Vystar account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

You continue to report account XXXX XXXX after the credit reporting time limit has been reached. Not only is the company reporting inaccurate and inconsistent information, the reporting limit has been reach therefore this account must be deleted IMMEDIATELY!
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

on XX/XX/XXXX, called to cancel our Chase XXXX XXXX credit card, phone # on the card is XXXX XXXX XXXX was on hold and transferred at least 3 times in an effort to cancel the cc. was asked various financial questions that have nothing to do with cancelling the acct. 

reps said they could not cancel the acct because it was under review, not sure what " under review '' means and rep could not tell me. the cc has never been delinquent, always paid on line. I believe this was an attempt to keep the acct active in order to charge an annual fee that is due on XX/XX/XXXX on hold/talking to various reps for approx 50 minutes. Last rep disconnected the call. 

I gave up, called Chase headquarters at XXXX was transferred to credit card services, cancelled card within 2 minutes. 

outrageous attempt to delay cancelling of the cc in order to charge the annual fee.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (PA)

I was made aware on my credit report that a credit card with Milestone/Concord credit was under my name and had been used. I never applied for a card with this company and had no knowledge that this card was being used under my name.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2017-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF THE WEST (CA)

The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?
Consumer complaint received 2021-03-25
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: Open Dealer Exchange, LLC (IL)

I do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX auto XX/XX/XXXX ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX automobile dealer XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX XXXX
Consumer complaint received 2018-06-06
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. (TN)

They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (AZ)

Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

XXXX XXXX XXXX XXXX as of XX/XX/2020 2020
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

IN RESPONSE TO MY PREVIOUS CFPB COMPLAINT TO YOU, YOU REQUESTED THIS INFORMATION FOR YOUR FRAUDULENT COLLECTION ARS Legal Department XX/XX/XXXX To whom it may concern : As per my XXXX credit report, ARS obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with ARS. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the XXXX FTC opinion letter XXXX at XXXX XXXX XXXX  : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via EMAIL TO THE CFPB. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT, XXXX, FL XXXX
Consumer complaint received 2016-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

Payment histories lack transparency. Every year it takes longer for PHEAA to process my recertification. This appears to be a deliberate ploy. The hit taken on my PSLF credit seems to be increasing while they force me into foreberance. The time they take to reconfigure my payments is increasing, from the latest report of XXXX XXXX, it appears to have dinged my PSLF credit for two months, rather than the 1 month that the rep promised me over the phone. I am submitting a payment history with several issues. I would like a line by line response to my complaints. I would also like a line by line monthly accounting of how each payment is applied and if it is not counted toward PSLF, please provide the reason for that. 
Additionally, my yearly electronic IRS submittal is never " enough '' and the processing of my recertfication is further delayed by having to submit my tax forms and paystub, etc. I am curious if there is a law that says I must take forberance while they recertfy. If there is another way around this that will ensure I will not lose my monthly payments and credits, please advise. This lag in processing is totally unacceptable, manipulative and not consumer oriented. I am tired of having this pattern repeated year after year without resolve. 
While I get my paperwork in way ahead of the game, it 's still the same story.